Car insurer WON'T quote for renewal!?

Brn

Hi,

I have had 3 policies with GoSkippy. 2 cars and a scooter. Their customer services were helpful enough when needed them to regard them as fair. I did not make any claims.

I bought an older car (06 plate, small petrol car) for second car and had it insured with them, the offer being the most reasonable.

Comes to renewing, I got an email attachment titled Renewal Declined and this text:

"Your GoSkippy Car insurance is due for renewal on 11/12/2025.  Unfortunately we are unable to provide a quotation this year. This means that from 11/12/2025 there will be no cover in force."

In the 16 years I have been a policy holder, this is the first time I got a declination like that.

I guess they have the right to do so, but at least they could have given a reason.

Secondly thought is why have they not included a NCB statement for my new policy? I'll ask them, but seems weird.

Has this happened to more of you out there? Is it common?

Ayr_Rage

You can only use your NCD on one policy.

They will never tell you why they will no longer offer you insurance.

MyRealNameToo

Brn said:

Hi,

I have had 3 policies with GoSkippy. 2 cars and a scooter. Their customer services were helpful enough when needed them to regard them as fair. I did not make any claims.

I bought an older car (06 plate, small petrol car) for second car and had it insured with them, the offer being the most reasonable.

Comes to renewing, I got an email attachment titled Renewal Declined and this text:

"Your GoSkippy Car insurance is due for renewal on 11/12/2025.  Unfortunately we are unable to provide a quotation this year. This means that from 11/12/2025 there will be no cover in force."

In the 16 years I have been a policy holder, this is the first time I got a declination like that.

I guess they have the right to do so, but at least they could have given a reason.

Secondly thought is why have they not included a NCB statement for my new policy? I'll ask them, but seems weird.

Has this happened to more of you out there? Is it common?

GoSkippy are a broker so who is and isnt coverable is dependent on the insurers on their panel not them. It could be only one insurer liked that vehicle for some reason and that insurer has now left their panel. 

They arent under any obligation to say why they can't quote, its fairly unlikely they will know because its the insurers not the brokers deciding what they want to insure and what they dont. 

Your NCD Statement would normally come after the policy has lapsed. 

Brn

Thanks for the info.

On the phone, the lady didn't give any reason, so I assume it is as you have said above.

I still needed the NCD info to get accurate quotes for my new insurance, which they have confirmed.

Off to comparison sites....

DeathByFluffy

I had the same thing with Aviva - when I dug a little deeper (as I'm always curious to know the reason behind stuff like this) their underwriter didn't insure cars over 25 years old - the car had turned 25 earlier that year. 

I got cover significantly cheaper elsewhere. 

TELLIT01

They may be pulling out of the car insurance market completely or as DeathByFluffy suggests be limiting their insurance to newer vehicles.  My wife's 18 year old Micra is insured with Co-op if that helps.

MyRealNameToo

TELLIT01 said:

They may be pulling out of the car insurance market completely or as DeathByFluffy suggests be limiting their insurance to newer vehicles.  My wife's 18 year old Micra is insured with Co-op if that helps.

Would be odd to buy Direct Line to become the second largest motor insurer and then pull out the market a few months later. 

Aviva will insure cars older than 25 years, for example they have a classic car policy that will insure cars from before 1910 but it's an agreed valuation policy and max 5,000 miles a year cover. If you look at the Aviva Signature quote and buy page and select "I dont have the registration" they allow you to select a year of manufacture from 1976 onwards. 

That isnt to say that all aviva brands via all channels will insure an older vehicle however they are pain to deal with after a theft because there is always a debate on their value as it will be very different if they are a rust bucket or a "modern classic" and with no car to look at its a pain. I can imagine if you are one of their no frills brands you may not want the inevitable arguments and complaints and so just restrict the market to newer cars