Are home/car insurance affected by health policy cancellation?

The_Globetrotter

Hi,

newbie here in need of advice.

I've recently had a health-related (income protection) policy cancelled on me due to medical reasons. Basically, when I applied my GP sent my medical history in instalments, so first the insurer accepted me and the policy started, then when the new information came in (a few days later), they decided that they didn't want to insure me anymore so they cancelled and refunded the premium. This is a cancellation of course, and they didn't give me a chance to cancel myself, they just did it, but it's not for fraud or anything, it's just my GP practice being slow (in fact, the insurer refunded all the money). And by the way, what they didn't like was related to some old health stuff, older than the five years they said they would consider.

Now, two health insurance brokers I spoke to told me that this has no relevance on home or car insurance as it's a totally different type of risk. Also, I went through my insurer's T&Cs and I couldn't find anything related to cancellations. Still, I'm terrified at the idea that a claim could be rejected due to this. I don't know whether or not to contact the insurer because I'm afraid to open a can of worms.

Any ideas or suggestions?

Thank you very much in advance.

DullGreyGuy

The brokers are correct, typically general insurers won't be interested in a protection policy being cancelled. If you want to be absolutely sure, then speak to your proposed next home/motor insurers just BEFORE buying and confirm with them.