Car insurance cancellation and new policy,

BRB881BRB881 Forumite
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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 

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  • peteukpeteuk Forumite
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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 etc 

    On line comparison may not ask if previously declined insurance, but if the reason is significant to change the cost (or even cancel the policy) then I would run the comparison and then contact the chosen provider just to ensure there’s no complications further down the line.
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  • born_againborn_again Forumite
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    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.
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  • RosaBerniciaRosaBernicia Forumite
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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. 
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  • EssexHebrideanEssexHebridean Forumite
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    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! 
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  • DullGreyGuyDullGreyGuy Forumite
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    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)
  • SoundgirlrocksSoundgirlrocks Forumite
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    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 disclosure 
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