Insurance cancelled after 1 week
Discussion
Hi folks. Long time lurker and infrequent poster. Not been around for a while so apologies if this has been covered recently. I need to vent a bit, too.
My 17 year old daughter passed her test last week and took out a telematics insurance policy on the car she’d bought to learn in. All good so far.
Today she sent a message to say she’d received an e-mail that her insurance was being cancelled due to her driving style. She’s been a bit cagey but it looks like she’s been going too fast and too often. No excuses, I’m glad she’s had the wake-up call. (She doesn’t live with me, so I haven’t been out with her much but when I did she was slow & cautious).
I assume it’s unlikely the underwriters will rescind the cancellation no matter how remorseful she is.
She’s tried to get a new policy online and is being quoted £9k. I’m a mere mortal and would need to sell a kidney for that sort of money so my assistance is purely advisory.
Any constructive suggestions on how we can overcome this? I would like her to keep on the road (safely) and keep learning and improving her skills. Please - no righteous comments. She’s facing a tough lesson but to gain and lose driving freedom in a week is a harsh one.
Thanks.
My 17 year old daughter passed her test last week and took out a telematics insurance policy on the car she’d bought to learn in. All good so far.
Today she sent a message to say she’d received an e-mail that her insurance was being cancelled due to her driving style. She’s been a bit cagey but it looks like she’s been going too fast and too often. No excuses, I’m glad she’s had the wake-up call. (She doesn’t live with me, so I haven’t been out with her much but when I did she was slow & cautious).
I assume it’s unlikely the underwriters will rescind the cancellation no matter how remorseful she is.
She’s tried to get a new policy online and is being quoted £9k. I’m a mere mortal and would need to sell a kidney for that sort of money so my assistance is purely advisory.
Any constructive suggestions on how we can overcome this? I would like her to keep on the road (safely) and keep learning and improving her skills. Please - no righteous comments. She’s facing a tough lesson but to gain and lose driving freedom in a week is a harsh one.
Thanks.
Faz50 said:
You could insure her as a named driver on a car that you own?
You would have to be the registered keeper and she couldn’t be the main driver to avoid fronting but it would keep her on the road.
Given that she lives elsewhere, I can't see how it could be anything but fronting, really.You would have to be the registered keeper and she couldn’t be the main driver to avoid fronting but it would keep her on the road.
TooMany2cvs said:
Given that she lives elsewhere, I can't see how it could be anything but fronting, really.
Was thinking along the lines of op wanting to keep her learning etc. She would be insured, covered for him to accompany once in a while and for her to use the car sparingly. As long as there was no regular use then not fronting. Pica-Pica said:
Have I got this correct? She has had insurance for the week since she passed her test, and in that week the insurance have had enough details about her driving that they are cancelling. What has she been doing, is a NIP or two (and 6 points) likely in the post?
I don’t think she’s been past any speed cameras. If she lost her licence from speeding then she’d get little sympathy from me but at least she could retake her test and obtain insurance (albeit at a higher premium). A cancellation will count against her for a very long time.
You won't be able to insure with her as a secondary driver either. If they see Parent primary and child seondary, the premium is raised accordingly to put people off - It's moore expensive than inuring the child as primary driver, especially considering the lack of any NCB Gain.
IMO, You're (She is) shafted unless you can cancel before they do; A friend I know was focrced to give up on cars after having insurance cancelled at 17 for and undeclared debadging mod discovered when fitting the box that had been done before purchase (Not that this makes any difference to the insurer)
Now has bikes instead, which are more affordable to insure...
IMO, You're (She is) shafted unless you can cancel before they do; A friend I know was focrced to give up on cars after having insurance cancelled at 17 for and undeclared debadging mod discovered when fitting the box that had been done before purchase (Not that this makes any difference to the insurer)
Now has bikes instead, which are more affordable to insure...
Faz50 said:
TooMany2cvs said:
Given that she lives elsewhere, I can't see how it could be anything but fronting, really.
Was thinking along the lines of op wanting to keep her learning etc. She would be insured, covered for him to accompany once in a while and for her to use the car sparingly. As long as there was no regular use then not fronting. Hey OP,
Do you have further details like the insurer etc?
I’m not saying it’s impossible but it’s mad to think they can cancel after a week, especially considering they presumably need time to review the telematics data, compile a letter etc!
Not being an arse... but if this is the case and they are definitely cancelling intentionally, she must have done something totally mental, not just a bit of speeding!
Something doesn’t sound quite right to me sir.
Do you have further details like the insurer etc?
I’m not saying it’s impossible but it’s mad to think they can cancel after a week, especially considering they presumably need time to review the telematics data, compile a letter etc!
Not being an arse... but if this is the case and they are definitely cancelling intentionally, she must have done something totally mental, not just a bit of speeding!
Something doesn’t sound quite right to me sir.
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