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Car insurance cancellation and new policy,

BRB881
Posts: 18 Forumite

My wife had her car insurance policy cancelled recently ( long story)we are now about to try to reinsure her car.
will insurers automatically know that she had a policy cancelled, or do we just tell them when asked?
to be clear, we will be totally honest when asked any questions. I just wondered if the would already know when we do an online comparison search etc
will insurers automatically know that she had a policy cancelled, or do we just tell them when asked?
to be clear, we will be totally honest when asked any questions. I just wondered if the would already know when we do an online comparison search etc
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Comments
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BRB881 said:My wife had her car insurance policy cancelled recently ( long story)we are now about to try to reinsure her car.
will insurers automatically know that she had a policy cancelled, or do we just tell them when asked?
to be clear, we will be totally honest when asked any questions. I just wondered if the would already know when we do an online comparison search etcProud to have dealt with our debtsStarting debt 2005 £65.7K.
Current debt ZERO.DEBT FREE0 -
If insurance co cancelled it, then Yes you need to tell them, as it is always a question asked. DO NOT LIE, as they will find out & you will have another policy cancelled. When background checks are run later.Life in the slow lane0
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The online comparison sites have a tick box asking you whether you have ever had insurance cancelled when you set up the criteria for the search.
Debt free May 2016... DFW#2 in progress
Campervan paid off summer '21... MFW progress tbc0 -
Echoing what the above have said - there is a question around whether you have ever had an insurance policy cancelled or declined (i believe is the wording), in your case the answer must be truthfully given as yes - you've already made clear that you would do this. I suspect that although the question is still asked, in fact in the industry the answer is already known, making it even more important people are upfront about this sort of thing!🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0 -
There will not be any insurer that neither asks it or doesn't include it in the assumptions/statements that you have to agree are true/accurate.
Most insurers wont be doing realtime checks on CUE etc so if you "forget" to declare it they most likely wont puck it up instantly however most will do checks after you have purchased and if they then find the cancellation they will void your policy for non-disclosure/fraud which under CIDRA means they can retain the premiums paid. You then have to declare two cancellations going forward with at least one being for a serious issue (you dont say why the other policy was cancelled).
PS. "reinsure" really means something else as insurers will reinsurer the policies they write to other insurers (aka reinsurers)0 -
Just to add to the already great info you have recieved, I had this happen to me and 10 years later ist still a problem (and I believe always will be). Comparision sites are useless when you have a complex history you will need to shop around old fashioned style. I use comparison sites to gauge the best deal ( without declairing the cancelled policy) and then I shart phoning around. A lot of online deals will automatically exclude on the basis of a cancelled policy, but once you can talk to a human you can normally get it dealt with and you don't run the risk of another cancelled policey for non disclosure0
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