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Apologies in advance for the dullness of this post but thought someone here might be able to shed some light on this... Last year I moved house and when I rang my insurer to inform them they said they couldn't insure at the new address (presumably because of higher crime rates), they were apologetic and said they would cancel the policy, refund and not charge any cancellation fee as the cancellation was from their end not mine. I didn't think much of it and just set up a new policy with a different insurer. Now when I come to renew I'm noticing some insurers ask "have you ever had an insurance policy revoked or cancelled?" If I click yes, often either they won't quote or the quote is high. My question is do I need to tick that box for the rest of my life because I moved house once? Or is it referring to a different scenario, like giving false information or something? Have a picture of someone moving house:  |
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If at first you don't succeed........
....Don't try skydiving!
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you could try ringing them and tell them you just moved house and was not
for non payment and stuff
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LowStandards
Club Retro Rides Member
Bigging Up The Sum Sum Man Since '99
Posts: 2,640 
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Don't tick it, job done...
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I had this happen to me years ago when I lived in Wales. I'd been with a company for ten years without trouble, then moved to Wales and they sent me a letter to tell me they could no longer insure me at my new address. When I asked them why it was due to the amount of insurance fraud that (apparently) went on in that Postcode. The very next company I phoned had no trouble insuring me, but when they asked me if I'd had my insurance cancelled before for any reason, I told them what had happened, and their advice was that I should keep that to myself in the future lol... Silence is golden  |
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Ryannn
Posted a lot
Posts: 2,421
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I wouldn't bother. I read somewhere that if you use a comparison site and a company on there doesn't quote you, technically you should tick that box. That would be most of us though?!
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Surely it is the difference between cancelling a policy and having a policy cancelled. You've effectively cancelled a policy because they won't cover the area you have moved to. Rather than them cancelling a policy on you because you couldn't pay it.
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Jan 27, 2016 10:11:04 GMT
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Surely it is the difference between cancelling a policy and having a policy cancelled. You've effectively cancelled a policy because they won't cover the area you have moved to. Rather than them cancelling a policy on you because you couldn't pay it. ^^^ what he said.... I was going to say the same but not so eloquently.... |
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Rover Metro - The TARDIS - brake problems.....Stored
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Project Minion........
Can you see the theme?
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Jan 27, 2016 11:06:00 GMT
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Thanks guys some helpful responses there. Hotwire - that's what my trouble is, they cancelled it, not me! Sounds like it's not too much to worry about though, just didn't want to find my insurance is void or something if I need to claim!
In other insurance frustrations, I'd been checking prices in advance so I could prepare finances, was consistently getting about £600 (seems a high risk area). Then a couple of weeks ago I reported what looked like a stolen car dumped outside my house. Now lowest quote I can get is over £800! Brings home how directly crime costs us all.
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If at first you don't succeed........
....Don't try skydiving!
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Jan 27, 2016 11:25:11 GMT
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Hi, there is the train of thought that you shouldn't tell them anything that they can't find another way. As they have access to the insurance database they will know you have a cancelled policy. If you lie and say no, they will take the premium and in the event of a claim they will refuse to payout because you gave false information.
Colin
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Jan 27, 2016 11:57:06 GMT
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i would agree (with hot wire) the tick box for cancelled policy is eluding to stuff you've done wrong, and therefore more of a risk.
not paying, not declaring modifications, false details given etc.
in short, don't tick it
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Last Edit: Jan 27, 2016 12:02:18 GMT by darrenh
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Jan 27, 2016 12:23:23 GMT
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Hi, there is the train of thought that you shouldn't tell them anything that they can't find another way. As they have access to the insurance database they will know you have a cancelled policy. If you lie and say no, they will take the premium and in the event of a claim they will refuse to payout because you gave false information. Colin That's what I was afraid of, that it might be on the system somehow and then void my insurance later. |
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If at first you don't succeed........
....Don't try skydiving!
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Jan 27, 2016 17:01:37 GMT
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i had a couple of polices cancelled in the past when ive changed vehicles and they wouldnt cover the new vehicles at a reasnable cost so similar circumstances as you and when i had to claim last year there was no mention of previous cancelled policies so i don't think you really have to worry fella, like people have said before its mainly due to fraud ect that they are interested in cancelled policies.
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