Help - can't get insurance
Discussion
Apologies if this is the wrong forum but I'm desperate.
I'm 45, driving since 18, no points or accidents, 12+ no claims. Employed, home owner. All websites etc showing "we can't quote you".
I've managed to speak to directline (one of few that are open) and they couldn't give any details other than the underwrite won't allow us.
The car in question is a 23 plate Toyota Corolla owned by me from new. I'm in Norfolk. 10k miles SDP only. Fully comp.
In November 23 someone reversed into my parked car, they were insured, their insurance called me and said not to worry about it, they'd sort it all out. Hire car for a week, car came back no issue. This is the only thing that's remotely out of the ordinary, everything else is just totally standard.
A) What are the types of reasons that you can't just get a quote (even if it was 5k a year)
B) What do I do to get help here? This has to be an error but how do I sort out?
Car is now not insured.
Thanks
Andrew
I'm 45, driving since 18, no points or accidents, 12+ no claims. Employed, home owner. All websites etc showing "we can't quote you".
I've managed to speak to directline (one of few that are open) and they couldn't give any details other than the underwrite won't allow us.
The car in question is a 23 plate Toyota Corolla owned by me from new. I'm in Norfolk. 10k miles SDP only. Fully comp.
In November 23 someone reversed into my parked car, they were insured, their insurance called me and said not to worry about it, they'd sort it all out. Hire car for a week, car came back no issue. This is the only thing that's remotely out of the ordinary, everything else is just totally standard.
A) What are the types of reasons that you can't just get a quote (even if it was 5k a year)
B) What do I do to get help here? This has to be an error but how do I sort out?
Car is now not insured.
Thanks
Andrew
I would hazard a guess that you have a CIFAS marker against you.
You can see these via a credit check, try Credit Karma if you’re unfamiliar.
If systems are auto declining this is quite likely as most will perform a live check.
Either that or you have a namesake that is sanctioned. Have you tried applying for credit recently?
You can see these via a credit check, try Credit Karma if you’re unfamiliar.
If systems are auto declining this is quite likely as most will perform a live check.
Either that or you have a namesake that is sanctioned. Have you tried applying for credit recently?
My policy wasn't set to renew and I got a quote of £1500 ish (way more than I usually pay at 600) so I started shopping for new quotes which is when I found nobody would quote me. Unfortunately too late to then take the other quote.
I'll try my old insurance company tomorrow and try a broker but obviously it's a shock and a worry and everywhere is closed.
Andrew
I'll try my old insurance company tomorrow and try a broker but obviously it's a shock and a worry and everywhere is closed.
Andrew
ukandrewtaylor said:
Just signed up for experian identity for a second opinion, nothing there.
I've asked MIB for what data it holds on me, CIFAS and MIB all seem like data access requests, will likely take a week.
I'm a mix of angry and stressed
Andrew
Ah just checked my credit karma - suggests only victim notices will appear on your file. Companies can withhold information about their investigations etc so a data request may come up blank but they won’t tell you they’ve held something back. I've asked MIB for what data it holds on me, CIFAS and MIB all seem like data access requests, will likely take a week.
I'm a mix of angry and stressed
Andrew
Hope you get it sorted what a pain.
Assume no claims for anything else recently ?
Just don't drive while you're not insured.
You should SORN the car if this drags on.
You really don't want 'driving with no insurance' on your record to complicate things.
Frankly, not smart to leave this untill the weekend after the quote's run out.
OVer 40, with a decade of NCB in the boondocks, I'd be expecting to pay about £250 for a low risk car?
Get on the phone to any brokers who are open, I'd start with those who deal with classics, 'awkward cases' etc.
You should SORN the car if this drags on.
You really don't want 'driving with no insurance' on your record to complicate things.
Frankly, not smart to leave this untill the weekend after the quote's run out.
OVer 40, with a decade of NCB in the boondocks, I'd be expecting to pay about £250 for a low risk car?
Get on the phone to any brokers who are open, I'd start with those who deal with classics, 'awkward cases' etc.
Eventually got to the bottom of this so posting here to close the loop and potentially help other people. This has been a very stressful weekend.
Managed to get a policy yesterday; received an email this morning saying it was invalid (words to those effect) due to failure to declare a claim in 2021.
The claim in question was on a previous car.
I bought a brand new Audi in 2021, within a couple of days my named driver hit a pheasant in the road. We got a load of warning lights immediately. I dropped the car at the dealer (was coincidentally on the way there for a new roof box) and they said I should inform my insurance company.
I informed the insurance company with the caveat that I wasn't making a claim, just informing them of the incident. I paid out of pocket ~1500 for a new adaptive cruise control module and calibration. I informed direct line that I was doing so.
This was recorded as an incident on CUE regardless that I didn't make a claim.
The online systems you use for getting a quote obviously do a logic check, compare declared incidents with CUE records; because I hadn't declared in my quote this phone call I had with my insurance company 3 years ago this was identified as a discrepancy and the default response is reject the quote.
I think I've been able to ultimately get a quote because some systems do this check in real time (and reject) others do it post processing.
This may seem very obvious to some, it may seems absolutely insane to others. I'm just posting here the outcome in case it helps someone.
I should now be able to get a policy based on entering the correct details, but, this incident + the issue where someone reversed into my parked car (also recorded as a claim, even though I wasn't in the vehicle and other party paid out in full) means that it's more difficult for me.
Andrew
Managed to get a policy yesterday; received an email this morning saying it was invalid (words to those effect) due to failure to declare a claim in 2021.
The claim in question was on a previous car.
I bought a brand new Audi in 2021, within a couple of days my named driver hit a pheasant in the road. We got a load of warning lights immediately. I dropped the car at the dealer (was coincidentally on the way there for a new roof box) and they said I should inform my insurance company.
I informed the insurance company with the caveat that I wasn't making a claim, just informing them of the incident. I paid out of pocket ~1500 for a new adaptive cruise control module and calibration. I informed direct line that I was doing so.
This was recorded as an incident on CUE regardless that I didn't make a claim.
The online systems you use for getting a quote obviously do a logic check, compare declared incidents with CUE records; because I hadn't declared in my quote this phone call I had with my insurance company 3 years ago this was identified as a discrepancy and the default response is reject the quote.
I think I've been able to ultimately get a quote because some systems do this check in real time (and reject) others do it post processing.
This may seem very obvious to some, it may seems absolutely insane to others. I'm just posting here the outcome in case it helps someone.
I should now be able to get a policy based on entering the correct details, but, this incident + the issue where someone reversed into my parked car (also recorded as a claim, even though I wasn't in the vehicle and other party paid out in full) means that it's more difficult for me.
Andrew
ukandrewtaylor said:
…. because I hadn't declared in my quote this phone call I had with my insurance company 3 years ago this was identified as a discrepancy and the default response is reject the quote.
To be slightly pedantic, the issue isn’t the phone all, it’s the incident. OK, in this case if you hadn’t called then they wouldn’t know, but people do this when there’s a third party insurer involved and they think they don’t need to declare it because they didn’t claim on their own insurance.
My point is that it isn’t obvious (albeit may be in retrospect) to everyone that an initial phone call which did not result in a claim where no third party was involved would be considered for 5 years and require declaring at every renewal.
However the takeaway should be the automated systems check this information and are looking for a binary match against declarations and CUE; failure to make that match will likely prevent the quote being generated. There’s no intelligence in the specifics, just the presence.
To everyone else’s point, a broker is likely best for anyone that doesn’t have very very straightforward profile.
Andrew
However the takeaway should be the automated systems check this information and are looking for a binary match against declarations and CUE; failure to make that match will likely prevent the quote being generated. There’s no intelligence in the specifics, just the presence.
To everyone else’s point, a broker is likely best for anyone that doesn’t have very very straightforward profile.
Andrew
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