How to get markers off my car insurance database when car insurance companies deny they did it

Worried77

MyRealNameToo said:

It would be in a different place, there is a field which is effectively how did the policy end, thats completed by the insurer when the policy ends so the only way that gets populated as insurer cancellation is if thats what's happened. If you have declared prior policies were cancelled by the insurer then that declaration in theory would be elsewhere and in the policy termination field would be lapsed or insured cancelled or however that policy came to an end. 

I received a reply from the MIB saying the below...please let me know if you have any other ideas with this: 

"We do not hold data on cancelled or void policies here at the MIB, with regards to any type of insurance. We also are unaware if and where the insurance companies, hold or obtain this data from. We would suggest contacting your previous insurer(s) to inquire if they have cancelled any policies you had with them. If you are not sure who your previous insurers are, you can do a Data Subject Access Request (DSAR) for this information. Please note that it will only provide policy information up to 7 years and not cancelled policies.

In order to submit your Data Subject Access Request for your information held on MID, please complete our online DSAR Form using the ‘Requesting the history of vehicle insurance on the MID’ section and follow the instructions to verify your identity. This will done via Experian check.

Please be advised, we only hold MID data for 7 years. We would also like to like to advise you that the search of the MID may bring back a negative result (that is your vehicle registration number cannot be found). Insurers are responsible for uploading data onto the MID. Information provided by us is not proof of insurance, only an indication.

Please note insurers may share details of cancelled policies within the industry however this information is not held on any database managed by MIB.

We apologise that we couldn’t assist on this occasion."

MyRealNameToo

Worried77 said:

MyRealNameToo said:

It would be in a different place, there is a field which is effectively how did the policy end, thats completed by the insurer when the policy ends so the only way that gets populated as insurer cancellation is if thats what's happened. If you have declared prior policies were cancelled by the insurer then that declaration in theory would be elsewhere and in the policy termination field would be lapsed or insured cancelled or however that policy came to an end. 

I received a reply from the MIB saying the below...please let me know if you have any other ideas with this: 

"We do not hold data on cancelled or void policies here at the MIB, with regards to any type of insurance. We also are unaware if and where the insurance companies, hold or obtain this data from. We would suggest contacting your previous insurer(s) to inquire if they have cancelled any policies you had with them. If you are not sure who your previous insurers are, you can do a Data Subject Access Request (DSAR) for this information. Please note that it will only provide policy information up to 7 years and not cancelled policies.

In order to submit your Data Subject Access Request for your information held on MID, please complete our online DSAR Form using the ‘Requesting the history of vehicle insurance on the MID’ section and follow the instructions to verify your identity. This will done via Experian check.

Please be advised, we only hold MID data for 7 years. We would also like to like to advise you that the search of the MID may bring back a negative result (that is your vehicle registration number cannot be found). Insurers are responsible for uploading data onto the MID. Information provided by us is not proof of insurance, only an indication.

Please note insurers may share details of cancelled policies within the industry however this information is not held on any database managed by MIB.

We apologise that we couldn’t assist on this occasion."

Did you use https://mib.service-now.com/cab?id=dsar_html_form ?

Simply ask them for all the information they hold on you in the Claims and Underwriting Exchange (CUE) Database

Worried77

MyRealNameToo said:

Worried77 said:

MyRealNameToo said:

It would be in a different place, there is a field which is effectively how did the policy end, thats completed by the insurer when the policy ends so the only way that gets populated as insurer cancellation is if thats what's happened. If you have declared prior policies were cancelled by the insurer then that declaration in theory would be elsewhere and in the policy termination field would be lapsed or insured cancelled or however that policy came to an end. 

I received a reply from the MIB saying the below...please let me know if you have any other ideas with this: 

"We do not hold data on cancelled or void policies here at the MIB, with regards to any type of insurance. We also are unaware if and where the insurance companies, hold or obtain this data from. We would suggest contacting your previous insurer(s) to inquire if they have cancelled any policies you had with them. If you are not sure who your previous insurers are, you can do a Data Subject Access Request (DSAR) for this information. Please note that it will only provide policy information up to 7 years and not cancelled policies.

In order to submit your Data Subject Access Request for your information held on MID, please complete our online DSAR Form using the ‘Requesting the history of vehicle insurance on the MID’ section and follow the instructions to verify your identity. This will done via Experian check.

Please be advised, we only hold MID data for 7 years. We would also like to like to advise you that the search of the MID may bring back a negative result (that is your vehicle registration number cannot be found). Insurers are responsible for uploading data onto the MID. Information provided by us is not proof of insurance, only an indication.

Please note insurers may share details of cancelled policies within the industry however this information is not held on any database managed by MIB.

We apologise that we couldn’t assist on this occasion."

Did you use https://mib.service-now.com/cab?id=dsar_html_form ?

Simply ask them for all the information they hold on you in the Claims and Underwriting Exchange (CUE) Database

Thank you. I submitted a DSAR to the MIB on 18th December and still waiting. My worry is my car insurance needs to be renewed by 3rd January. 

Some new information has come to light and I wonder if I can still sort all this out - the only policy I am getting quoted based on the cancellation markers, 2 endorsements and 3 claims in 5 years is £2795 Third Party and I cannot afford it!

To explain, I found an online quote with Ageas with me saying "no" to past cancelled insurance which was cheaper. I phoned and explained the circumstances with erroneous cancellation markers, and was reassured it should be ok with my emails from Hastings Direct and Acorn saying I cancelled the past insurance policies. This customer services agent even phoned me back saying their underwriters said it will be ok. On trying to buy the policy, a new customer services agent said that it isn't a done deal until their "validations" team accept it and she sounded much more cautious and not to proceed until I am sure re cancellation costs and maybe more markers.

I asked what she meant. I had, in fact, had Ageas as my insurer between 1st January 2024 - 2025, my insurer before last. She says there is a webchat where I said to them i had my car insurance (the Hastings black box policy prior to them) cancelled when I tried to renew for 2025 and then they would not renew me.  Presumably they thought I had withheld this information throughout my year's policy but i had not actually withheld it at all as I had cancelled it.  The confusion has occurred during my 2025 renewal. I used Google AI and it says renewals refused are classed as serious ie a marker.  However, if I innocently implicated myself for a Hastings policy they had not cancelled but I, in fact, cancelled, with an retrospective email from Hastings proving this (I got this email a few weeks ago), should Ageas have taken my word for it and refused to renew me, resulting in a real serious marker? That is if i said i had Hastings black box cancelled in error ie I was allowed to cancel it? My thinking is they should check the insurers database and not just take my word for it, so they shouldn't have refused a renewal on that basis. 

I am guessing the above until i get my DSAR but MIB did say they dont hold information on who puts cancellation markers on. This is driving me mad! Thanks for your help.