Insurance cancelled after 1 week

Insurance cancelled after 1 week

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Discussion

TwigtheWonderkid

43,246 posts

149 months

Monday 23rd July 2018
quotequote all
7795 said:
OP's daughter can truthfully answer "no" to the cancelled questions but there will be a record of it on file. There will be a marker against her name. It will be factored into the cost of her next policy.
Perhaps if she ever used that same insurance company. But other than the claims database, and a credit check, I'm not aware insurers check any other databases of info. Would insurance co B know insurance co A had decided to cancel your policy? I doubt it. And as you've admitted, and I've been saying, the truthful answer to the question is NO.

TwigtheWonderkid

43,246 posts

149 months

Monday 23rd July 2018
quotequote all
anonymous said:
[redacted]
Before we know if it's a definitive answer, we need to know if there's a database of customers who have been told their policy is soon the be cancelled, along the lines of the CUE database, that all insurers access when incepting a new policy.

I admit I am not Head of Legal at one of the top underwriters in the UK, but I'm not aware of any such facility.




7795

1,070 posts

180 months

Monday 23rd July 2018
quotequote all
TwigtheWonderkid said:
7795 said:
OP's daughter can truthfully answer "no" to the cancelled questions but there will be a record of it on file. There will be a marker against her name. It will be factored into the cost of her next policy.
Would insurance co B know insurance co A had decided to cancel your policy?
Yes, all insurance companies have access to databases for fraud purposes.

anonymous-user

53 months

Monday 23rd July 2018
quotequote all
7795 said:
Yes, all insurance companies have access to databases for fraud purposes.
They do but I am not aware of a database for cancelled policies

xjay1337

15,966 posts

117 months

Monday 23rd July 2018
quotequote all
Black boxes are a good idea , poorly executed.


Durzel

12,232 posts

167 months

Monday 23rd July 2018
quotequote all
anonymous said:
[redacted]
Same as with not declaring SACs if asked.

Personally, my risk profile is that I don't like to gamble on whether I would get my car insurance voided from inception due to lying in response to a direct question (a lie of omission is different). I have neither the time nor the inclination to get into a bunfight, potentially legally, if/when I needed to claim.

Some people, though, are quite happy to pay for a piece of paper that could essentially be worthless, simply to appear to be insured rather than actually being insured.

TwigtheWonderkid

43,246 posts

149 months

Monday 23rd July 2018
quotequote all
anonymous said:
[redacted]
But it's not a lie. 7795's sister, who is head of legal at a top insurer, has confirmed this.

TwigtheWonderkid

43,246 posts

149 months

Monday 23rd July 2018
quotequote all
7795 said:
TwigtheWonderkid said:
7795 said:
OP's daughter can truthfully answer "no" to the cancelled questions but there will be a record of it on file. There will be a marker against her name. It will be factored into the cost of her next policy.
Would insurance co B know insurance co A had decided to cancel your policy?
Yes, all insurance companies have access to databases for fraud purposes.
Where's the fraud. You confirmed "No" is the honest answer.

TwigtheWonderkid

43,246 posts

149 months

Monday 23rd July 2018
quotequote all
Durzel said:
anonymous said:
[redacted]
Same as with not declaring SACs if asked.
Err..well I suppose it's the same as not declaring an SAC if asked, if you've never been on an SAC.

TwigtheWonderkid

43,246 posts

149 months

Monday 23rd July 2018
quotequote all
desolate said:
They do but I am not aware of a database for cancelled policies


Indeed. Or in this case, a database for policies that were due to be cancelled by the insurer but the policyholder cancelled first!

Gavia

7,627 posts

90 months

Monday 23rd July 2018
quotequote all
7795 said:
I asked my Sister who is Head of Legal at one of the top underwriters in the UK.

It will be recorded as Notice to Terminate was sent. It's splitting hairs to an extent, but there will be a record of it on file and premiums will be affected accordingly.

OP's daughter can truthfully answer "no" to the cancelled questions but there will be a record of it on file. There will be a marker against her name. It will be factored into the cost of her next policy.

The full T&C's will need to be read and that will show if "declined" comes into play. Can it be classed as declined once into a policy?

Edited by 7795 on Monday 23 July 11:23
That’s great, but as Legal have nothing to do with underwriting where is she getting this knowledge from?

FiF

43,960 posts

250 months

Monday 23rd July 2018
quotequote all
Surely the devil is in the detail. My wife had a letter of cancellation from an insurance company, it wasn't a notice of cancellation, they'd cancelled from a specific date and she'd been driving without insurance for a couple of days.

When getting insurance in answer to the question about cancelled insurance we had a discussion with other providers going into detail and the circumstances, they were all clear that the cancellation in question didn't count.

Hence it all depends, surely.

Sorry if missed it, don't follow the thread in detail as some if the discussion is just too annoying, my bad, but have we had an answer as to a bit more detail why it was cancelled?

TwigtheWonderkid

43,246 posts

149 months

Monday 23rd July 2018
quotequote all
FiF said:
Surely the devil is in the detail. My wife had a letter of cancellation from an insurance company, it wasn't a notice of cancellation, they'd cancelled from a specific date and she'd been driving without insurance for a couple of days.

When getting insurance in answer to the question about cancelled insurance we had a discussion with other providers going into detail and the circumstances, they were all clear that the cancellation in question didn't count.

Hence it all depends, surely.

Sorry if missed it, don't follow the thread in detail as some if the discussion is just too annoying, my bad, but have we had an answer as to a bit more detail why it was cancelled?
It wasn't cancelled by insurers. Insurers were going to cancel, due to poor black box feedback, but policyholder got in first and cancelled the policy.

Now we all assume she only cancelled it because they were going to cancel it, but she could have cancelled it on the day she did because she sold the car/ found a cheaper quote/ decided to become a missionary in Borneo. No one knows what was in her mind. Bottom line is, she's never had a policy cancelled.

FiF

43,960 posts

250 months

Monday 23rd July 2018
quotequote all
TwigtheWonderkid said:
FiF said:
Surely the devil is in the detail. My wife had a letter of cancellation from an insurance company, it wasn't a notice of cancellation, they'd cancelled from a specific date and she'd been driving without insurance for a couple of days.

When getting insurance in answer to the question about cancelled insurance we had a discussion with other providers going into detail and the circumstances, they were all clear that the cancellation in question didn't count.

Hence it all depends, surely.

Sorry if missed it, don't follow the thread in detail as some if the discussion is just too annoying, my bad, but have we had an answer as to a bit more detail why it was cancelled?
It wasn't cancelled by insurers. Insurers were going to cancel, due to poor black box feedback, but policyholder got in first and cancelled the policy.

Now we all assume she only cancelled it because they were going to cancel it, but she could have cancelled it on the day she did because she sold the car/ found a cheaper quote/ decided to become a missionary in Borneo. No one knows what was in her mind. Bottom line is, she's never had a policy cancelled.
I got that part, was wondering whether we ever found the detail on the poor black box feedback.

TwigtheWonderkid

43,246 posts

149 months

Monday 23rd July 2018
quotequote all
FiF said:
I got that part, was wondering whether we ever found the detail on the poor black box feedback.
Like the success of Kay Burley, some things are destined to forever remain a mystery.

FiF

43,960 posts

250 months

Monday 23rd July 2018
quotequote all
TwigtheWonderkid said:
FiF said:
I got that part, was wondering whether we ever found the detail on the poor black box feedback.
Like the success of Kay Burley, some things are destined to forever remain a mystery.
hehe

cadmunkey

447 posts

88 months

Monday 23rd July 2018
quotequote all
My neighbours son recently had his insurance cancelled due to blackbox warnings. All his own fault due to reckless driving.
Thing is, the reports the black box give are all automated, he was receiving daily emails warning about his driving style (his dad told me he received over 60 in one day). These are all auto-generated, not sent by anyone sat at a desk at the insurance company. After repeated days of failing to learn from the warnings, the insurance company pulled the plug. I suspect OP's daughter will have received several warning emails that she has failed to mention.
Neighbours son did exactly what OP's daughter has done, cancelled the policy before they did. (7 days notice they had given him).
So his new policy is only slightly higher than his old one as he didnt tell them he had ever got insurance cancelled.


TwigtheWonderkid

43,246 posts

149 months

Monday 23rd July 2018
quotequote all
cadmunkey said:
So his new policy is only slightly higher than his old one as he didnt tell them he had ever got insurance cancelled.
Because he never did.

bad company

18,483 posts

265 months

Monday 23rd July 2018
quotequote all
TwigtheWonderkid said:
cadmunkey said:
So his new policy is only slightly higher than his old one as he didnt tell them he had ever got insurance cancelled.
Because he never did.
Shame really. It sounds like we’d all be safer without him on the road.

TwigtheWonderkid

43,246 posts

149 months

Monday 23rd July 2018
quotequote all
bad company said:
TwigtheWonderkid said:
cadmunkey said:
So his new policy is only slightly higher than his old one as he didnt tell them he had ever got insurance cancelled.
Because he never did.
Shame really. It sounds like we’d all be safer without him on the road.
rofl

Can't argue with that.