Hyundai i10 - Unsure if I have cancelled insurance | Motoring discussion | Back Room Forum

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Sat 17 Mar 2018 20:29

Hyundai i10 - Unsure if I have cancelled insurance - Novice car user

Last year when I finally passed my driving test I bought a car and used compare the market for my insurance quote.

One of the questions asked was do you have any no claims as a named driver. As I was driving on my husband's policy for over a year and his policy had 1 years no claims I input this.

One month on the insurance company called me to say that they don't take no claims discount for named drivers and so I would have to take a new policy.

What I don't know is do I have to disclose that the first policy was cancelled?

When they sent my renewal docs they have answered the question has any driver had a policy refused or cancelled as no.

This has me quite confused any advise?

The renewal price is £1764 up from £1626 The previous year. Yet if I go to the website direct and declare no cancellations the price for me is £450 for the year. Is this why?

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Sat 17 Mar 2018 20:36

Hyundai i10 - Unsure if I have cancelled insurance - Graham567

The £1626 going up to £1764 is surely due to the difference between 1 years no claims(falsely stated) and no no claims as is now the truth.I dont know where £450 come in though.

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Sat 17 Mar 2018 21:11

Hyundai i10 - Unsure if I have cancelled insurance - Novice car user

No I now have one year no claims.

What I paid last year is the price I paid on the second policy as the first was cancelled

Yet they haven't stated on the renewal I've had a policy cancelled.

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Sat 17 Mar 2018 21:11

Hyundai i10 - Unsure if I have cancelled insurance - Bromptonaut

New policy or just an increased premium?

Assuming an honest mistake I'd expect the latter. If they're trying to cancel policy (1) and say you've got to take out new policy (2) then I'd be asking questions and considering complaints process with option of reference to Ombuds.

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Sat 17 Mar 2018 21:23

Hyundai i10 - Unsure if I have cancelled insurance - Novice car user

My renewal is an increased cost. Despite now having one year no claims.

I don't think I worded it quite right.

March 17 - I took out a policy costing £1257 for the year with 1 year no claims as named driver - new driver seemed ok

April 17 - they called to check the no claims and so a new policy was taken out with the 1 year no claims removed costing £1650

March 18 - renewal documents with increase price received and the question stating have you had insurance cancelled marked as no and 1 year no claims added.

Looked online at prices and discovered if I went to them as a new customer using the same data in their renewal docs the cost for me would be £450 for the year

Hope this makes more sense

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Sun 18 Mar 2018 09:28

Hyundai i10 - Unsure if I have cancelled insurance - argybargy

Disclosure of material facts when taking out insurance is vital. If an omission comes to light when you make a claim, they won't pay out.

My advice would be to take some time to put all the facts in writing and email the insurance company. That way you have absolute certainty that the price and cover you get is cast iron and that there's nothing which can come back and bite you. Along with the email I would send them a recorded delivery signed-for letter with the same information.

If, as a new driver, you have made an honest mistake they should treat it as such, and in any case, having insurance cancelled doesn't necessarily disqualify you from getting cover. How the company responds to the situation is likely to depend on the reason for cancellation, ie, have you deliberately failed to disclose a material fact.

You could try going through a broker, where you can actually sit down and talk to someone who will arrange the insurance. OK, you will pay more, but they will liaise with the insurance company for you.

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