Refused insurance for Eunos - advise please
Discussion
Hello,
I currently have an issue regarding my insurance and I would like some advise.
I was rear ended a few weeks back in my 1.6 1990 eunos. The car was written off and I have received a settlement. The claim was dealt with by the third parties insurer so I did not have to claim.
With the settlement money I purchased another 1.6 1990 eunos. However my insurance company are refusing to insure me until I am 25 (currently 20 years old) because the car is an import. Even though I have been insured with them on my previous eunos - also an import.
I believe my insurance is going to be cancelled, is there anything I can do?
The insurance company is direct line (I am not naming and shaming) I just believe it is useful to know. Previous threads on ph seem to say direct line treat the eunos as an mx5.
Any help would be appreciated.
I currently have an issue regarding my insurance and I would like some advise.
I was rear ended a few weeks back in my 1.6 1990 eunos. The car was written off and I have received a settlement. The claim was dealt with by the third parties insurer so I did not have to claim.
With the settlement money I purchased another 1.6 1990 eunos. However my insurance company are refusing to insure me until I am 25 (currently 20 years old) because the car is an import. Even though I have been insured with them on my previous eunos - also an import.
I believe my insurance is going to be cancelled, is there anything I can do?
The insurance company is direct line (I am not naming and shaming) I just believe it is useful to know. Previous threads on ph seem to say direct line treat the eunos as an mx5.
Any help would be appreciated.
chrisispringles said:
Cancel the policy yourself. If the insurers cancel it then you will have to declare that in the future and they will load your premium heavily as a result IIRC.
Absolutely this - if the policy is cancelled by them (with 7 days written notice?), you will have to declare this fact each and every time that you take out a new policy, for ever...JM said:
Stuuuuu said:
Yeah it's annoying because I want to keep the Ncb, which is valuable at my age. Also, the previous one was recorded as an import.
Why would you not keep the NCB? If you've not made a claim.
daemon said:
JM said:
Stuuuuu said:
Yeah it's annoying because I want to keep the Ncb, which is valuable at my age.
Why would you not keep the NCB?"Have you or any named drivers on the insurance policy ever had an insurance policy declined, cancelled, voided or had special terms imposed?"
for each and every time you buy insurance, for the rest of your life...
Stuuuu,
Try and find someone who actually knows what they are doing at the insurers and speak to them rather than just a "computer says no" monkey. I had a similar thing when I changed address and moved a massive 500 metres. My insurance didn't want to cover me at my new address even though it was a nicer area (they didn't like the fact it was a multi-level underground car park. They issued a cancellation even though I was 9 1/2 months through the term.
I called them up and got to speak to someone helpful who then contacted the underwriter and got them to accept the address change on the condition they would not quote at renewal time.
There is very little risk for them on the remaining 2 months so you just need to speak to the right person who knows how to use discretion or speak to someone who can.
Try and find someone who actually knows what they are doing at the insurers and speak to them rather than just a "computer says no" monkey. I had a similar thing when I changed address and moved a massive 500 metres. My insurance didn't want to cover me at my new address even though it was a nicer area (they didn't like the fact it was a multi-level underground car park. They issued a cancellation even though I was 9 1/2 months through the term.
I called them up and got to speak to someone helpful who then contacted the underwriter and got them to accept the address change on the condition they would not quote at renewal time.
There is very little risk for them on the remaining 2 months so you just need to speak to the right person who knows how to use discretion or speak to someone who can.
Chris993C4 said:
daemon said:
JM said:
Stuuuuu said:
Yeah it's annoying because I want to keep the Ncb, which is valuable at my age.
Why would you not keep the NCB?"Have you or any named drivers on the insurance policy ever had an insurance policy declined, cancelled, voided or had special terms imposed?"
for each and every time you buy insurance, for the rest of your life...
daemon said:
I think you're answering the wrong question here. The O/P was saying they dont want to not get insurance with their current provider, because they will lose a part year no claims. I dont think they were relating it to their insurance being cancelled?
Just trying to make the OP aware of the potential ramifications if he "lets" his current insurers cancel the policy...Gassing Station | General Gassing | Top of Page | What's New | My Stuff