We're not going to offer to renew your car insurance??

Alter_ego

DullGreyGuy said:

You do need to be careful on answering Qs going forward, it wouldnt need to be declared on the traditional question set about insurance ever being cancelled etc however some do explicitly ask about renewal terms not being offered and that you would have to say yes to

You are normally correct when it comes to insurance matters, it is just that the comments about future policy questions differs from a recent similar thread.  In that thread, the conclusion was a decline to quote was no different to all the panel members on a comparison site that didn't quote and that never needed to be declared.  Is there a subtle difference this time?

I'd say the subtle difference is this is a decline to renew, not decline to quote

Grumpy_chap

Alter_ego said:

DullGreyGuy said:

You do need to be careful on answering Qs going forward, it wouldnt need to be declared on the traditional question set about insurance ever being cancelled etc however some do explicitly ask about renewal terms not being offered and that you would have to say yes to

You are normally correct when it comes to insurance matters, it is just that the comments about future policy questions differs from a recent similar thread.  In that thread, the conclusion was a decline to quote was no different to all the panel members on a comparison site that didn't quote and that never needed to be declared.  Is there a subtle difference this time?

I'd say the subtle difference is this is a decline to renew, not decline to quote

But the other thread was also not offering a renewal quote.????

Car_54

Alter_ego said:

DullGreyGuy said:

You do need to be careful on answering Qs going forward, it wouldnt need to be declared on the traditional question set about insurance ever being cancelled etc however some do explicitly ask about renewal terms not being offered and that you would have to say yes to

You are normally correct when it comes to insurance matters, it is just that the comments about future policy questions differs from a recent similar thread.  In that thread, the conclusion was a decline to quote was no different to all the panel members on a comparison site that didn't quote and that never needed to be declared.  Is there a subtle difference this time?

I'd say the subtle difference is this is a decline to renew, not decline to quote

Although we refer to it as a 'renewal', the next year's is actually a separate contract. So there is no difference, subtle or otherwise.

Alter_ego

Car_54 said:

Although we refer to it as a 'renewal', the next year's is actually a separate contract. So there is no difference, subtle or otherwise.

So why do insurance companies keep sending me "renewal letters"?

MikeWhite

UncleHonj said:

We had the same message for a policy which should renew mid April 2023. But they only declined one of our two cars, a 22 year old BMW, but offered insurance for our 2008 Renault Espace which runs from the same date. We are both oldies but only one claim 5 years ago. I also phoned Churchill but neither the call centre person nor his boss had any idea why. 
So I did a quotation on Compare the Market and the best quote offered was from... ..Yes, Churchill. Bonkers. I think we will go elsewhere.

Uh-oh! Got a 22 year old car coming up for renewal this year. Hope we don't get the same. Not Churchill, so hopefully not.

Car_54

Alter_ego said:

Car_54 said:

Although we refer to it as a 'renewal', the next year's is actually a separate contract. So there is no difference, subtle or otherwise.

So why do insurance companies keep sending me "renewal letters"?

Because they want you to feel loved, and to stay 'loyal'. But if you do 'renew', you're really starting afresh contractually.

And to go back to the OP's original point, the insurer is under no more obligation to 'renew' than he is.

DullGreyGuy

Grumpy_chap said:

DullGreyGuy said:

You do need to be careful on answering Qs going forward, it wouldnt need to be declared on the traditional question set about insurance ever being cancelled etc however some do explicitly ask about renewal terms not being offered and that you would have to say yes to

You are normally correct when it comes to insurance matters, it is just that the comments about future policy questions differs from a recent similar thread.  In that thread, the conclusion was a decline to quote was no different to all the panel members on a comparison site that didn't quote and that never needed to be declared.  Is there a subtle difference this time?

And I agree with that conclusion under the traditional question of "have you ever had insurance refused, declined, voided or had special terms applied?".

The differential is that some insurers have added a new aspect to also ask "has your insurer ever not offer a renewal quote". Under the traditional questions no need to declare, under this new aspect it is required to be declared as they have declined to offer a renewal. 

The devil is always in the detail of the exact question that is being asked. 

DullGreyGuy

Car_54 said:

Alter_ego said:

Car_54 said:

Although we refer to it as a 'renewal', the next year's is actually a separate contract. So there is no difference, subtle or otherwise.

So why do insurance companies keep sending me "renewal letters"?

Because they want you to feel loved, and to stay 'loyal'. But if you do 'renew', you're really starting afresh contractually.

And to go back to the OP's original point, the insurer is under no more obligation to 'renew' than he is.

Not in all cases... take PMI which is an annual contract, when you first buy you have to declare all your existing conditions however at renewal you dont need to declare anything that you've developed in the last year. ASU/PPI is similar, pre-existing will be considered in relation to the continuous period of insurance not the duration of the single policy. 

From an insurer point of view, every insurance system I have used will mark policies as new business or renewal. Pricing can be different, product features can be different, claims processes (and counter fraud processes) can be different. Cost of acquisition is different. Retention rates are a critical KPI of how the book is performing. Yes they are two standalone contracts but there can be some consideration (as above) and outside of the contractual there are potentially many differences. 

twopenny

Don't sweat it too much.

Companies differ and their requirements change from year to year.

I've had this with vehicle, travel and house insurance where they say they won't insure this year.

I also said I would never buy from Churchill again because of the appauling way they handled my claim when someone drove into me and I had a witness - but when my car went pop and I bought a 20yr old 40,000 mile car I had to ring around as it was the age thing and Churchill in an desperate situation insured it at the best rate when some others wouldn't. Again I had a problem (they sent my registration number partly reversed and I didn't check so I wasn't insured!)

If you know there are no radical reasons then move on to another supplier.

I find phoning and talking gives me the best idea. If you have to say your company won't renew they will check and hopefully let you know. But I do an online search on a generic website first. They used to be able to see if you'd done this somehow, don't know if this is the case now.

The travel was hillarious. They wouldn't cover me for a trip on a dive boat even though they had the year before. I looked on the boats website and it said it was a 'Boutique Cruiser' .... I rang again and said this was as advertised and got the cover. Same boat, same trip.

ronholl

Last week from churchill

We're not going to offer to renew your car insurance

This Week...

We've noticed that there is an error on your policy which has led to us incorrectly issuing you with a letter declining your renewal. We have now corrected this error and you will be receiving your renewal invite within the next few days.

In my opinion, this proves the monkeys and typewriters probability theory is correct!

...and yes, I have declined them, I've gone back to aviva.