Named driver has cancelled policy

Sleepz
Sleepz Posts: 6 Forumite
in Insurance & life assurance
Hi all,

I am a new driver and need to insure my car.
I want to get my partner insured on it also for occasional use. He will be added as a named driver... but, he has had a cancelled policy before, about 4 years ago. (Non-payment due to personal circumstances) :)

Will this effect how much my insurance will be?

I wonder if they will just ask me to pay it upfront... which I don't mind doing....

Any one had this before?

Comments

  • MovingForwards
    MovingForwards Posts: 16,907 Forumite
    First Anniversary First Post Name Dropper Photogenic
    You will need to find out exactly when your partner's policy was cancelled.

    The cost to have him on your policy may be eye watering due to it.

    My brother was having to pay over 4k for a few years, it's only recently dropped down to over 1k, his was about 6 years ago now; he was in his 40's at the time.
    Mortgage started 2020, aiming to clear it in 2026.
  • Sleepz
    Sleepz Posts: 6 Forumite
    Thanks for your reply.

    4K!? Oh my. Annoyingly it says if its over 5 years, you dont need to tick yes. His was 4 years ago :(

    I really pray that realise it was non payment and therefore make me cough up it in full meaning no risk of that again!!
  • Sleepz
    Sleepz Posts: 6 Forumite
    Also....was your brother the one who had his policy cancelled? As i feel that perhaps with an additional driver, it may differ.
  • a.turner
    a.turner Posts: 655 Forumite
    First Post
    Sleepz wrote: »
    Thanks for your reply.

    4K!? Oh my. Annoyingly it says if its over 5 years, you dont need to tick yes. His was 4 years ago :(

    I really pray that realise it was non payment and therefore make me cough up it in full meaning no risk of that again!!

    Are you sure about that?
  • Sleepz
    Sleepz Posts: 6 Forumite
    Yes, on some. Such as Direct Line.

    Of course not all :)
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Sleepz wrote: »
    Yes, on some. Such as Direct Line.

    Of course not all :)

    Well, the insurance sector as a whole, via a central database, is only allowed to keep cancellation data for five years, so make of that what you will.
  • Sleepz
    Sleepz Posts: 6 Forumite
    Yeah. I wish his policy was cancelled 5+ years ago rather than 4!!
  • MovingForwards
    MovingForwards Posts: 16,907 Forumite
    First Anniversary First Post Name Dropper Photogenic
    Sleepz wrote: »
    Also....was your brother the one who had his policy cancelled? As i feel that perhaps with an additional driver, it may differ.

    It was my brother.

    The risk is the same whether policyholder or named driver. Yes, you may need to pay it in full, but you will still be facing a higher premium.
    Mortgage started 2020, aiming to clear it in 2026.
  • Retrogamer
    Retrogamer Posts: 4,215 Forumite
    First Anniversary Name Dropper Photogenic Combo Breaker
    johnsmith1890 wrote: »
    Well, the insurance sector as a whole, via a central database, is only allowed to keep cancellation data for five years, so make of that what you will.

    They would need to have not had insurance or / and not be named on an insurance policy for over 5 years for that data to disappear from there.
    All your base are belong to us.
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