Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@. Skimlinks & other affiliated links are turned on

    • Deanosfc
    • By Deanosfc 8th Jul 17, 3:59 PM
    • 1Posts
    • 0Thanks
    Declaring my insurance was cancelled.
    • #1
    • 8th Jul 17, 3:59 PM
    Declaring my insurance was cancelled. 8th Jul 17 at 3:59 PM
    Basically my insurance got cancelled because, I stupidly forgot to take a picture of my current miles on the vehicle. This was on my truck, so therefor commercial insurance. If I want to insure a car or a motorbike will I still have to declare that my truck insurance got cancelled?
Page 1
    • Quentin
    • By Quentin 8th Jul 17, 4:16 PM
    • 35,624 Posts
    • 19,852 Thanks
    • #2
    • 8th Jul 17, 4:16 PM
    • #2
    • 8th Jul 17, 4:16 PM
    Depends on the question you are asked.

    Normally it's along the lines of have you or anyone to be covered ever had an insurance policy cancelled
    • neilmcl
    • By neilmcl 8th Jul 17, 5:25 PM
    • 10,974 Posts
    • 7,789 Thanks
    • #3
    • 8th Jul 17, 5:25 PM
    • #3
    • 8th Jul 17, 5:25 PM
    Was the insurance in your name or a company's?
    • Tarambor
    • By Tarambor 9th Jul 17, 6:51 PM
    • 2,874 Posts
    • 2,079 Thanks
    • #4
    • 9th Jul 17, 6:51 PM
    • #4
    • 9th Jul 17, 6:51 PM
    Yes you do unless the truck was insured in the name of a Ltd Company which is legally a separate entity to you. And don't think that if you don't they won't find out because it will be recorded on the Motor Insurance Database and not declaring it when applying for insurance is fraud that at best sees yet another policy cancelled and at worst sees you getting 6 points for no insurance or getting a knock on the door from the police to question you about fraud.

    And don't think they won't.
    Last edited by Tarambor; 09-07-2017 at 6:53 PM.
    • patman99
    • By patman99 9th Jul 17, 11:05 PM
    • 8,195 Posts
    • 9,659 Thanks
    • #5
    • 9th Jul 17, 11:05 PM
    • #5
    • 9th Jul 17, 11:05 PM
    I never knew that some insurers were so petty as to require a photo of the vehicle mileage.
    Do they not know how easy it is to take such an image?.

    As has been said, you should declare it. Having said that, have you phoned your car insurer to ask them?. Might be worth it as they might consider not photographing your mileage to be a petty excuse to cancel a policy.
    Never Knowingly Understood.

    Member #1 of 1,000 challenge - 1000/ 1000 (that's 100%)

    3-6 month EF 631.65/3600 (that's 10 days worth)

    Do you/your spouse earn less than 197 p/w ?. Fill-in Form R85 and get your Bank interest Tax free.
    • Tiners
    • By Tiners 10th Jul 17, 8:11 AM
    • 223 Posts
    • 222 Thanks
    • #6
    • 10th Jul 17, 8:11 AM
    • #6
    • 10th Jul 17, 8:11 AM
    Surely there must be genuine (i.e. non-fraudulent) reasons for insurance policies getting cancelled?
    Such as a mix up with Direct Debits?

    There must surely be some discretion on the insurance database with regards to previously cancelled policies, or are all customers with a previously cancelled policy automatically regarded as villainous fraudsters?

    In this case why did your insurer initially activate the policy if they hadn't satisfactorily received all the info they required from you? And didn't they send you any reminders to provide that info?

    Might be worth getting in touch with the insurance ombudsman if it is going to prove to be an issue getting further insurance.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

1,085Posts Today

6,612Users online

Martin's Twitter