Insurance cancelled after 1 week
Discussion
HarveyM said:
Adrian Flux insurance was Trinity Lane.
Auto Saints is Markerstudy.
Notification of cancellation this time was verbal, and apparently the agent said that “on suspension” was the same as “cancelled” and wouldn’t hear otherwise.
Kids. Who’d have ‘em?
All seems a bit Jimmy Hill to me.Auto Saints is Markerstudy.
Notification of cancellation this time was verbal, and apparently the agent said that “on suspension” was the same as “cancelled” and wouldn’t hear otherwise.
Kids. Who’d have ‘em?
I don't envy you.
Get her to try young marmalade.
Live and learn...
The notice of future cancellation counts as a forced cancellation irrespective of the fact that my daughter cancelled first. The argument is that she wouldn’t have cancelled if not told of imminent cancellation by the underwriter.
The question “Have you ever had insurance cancelled?” is therefore a phoney. The question should be amended to add “...or been advised of a future cancellation”.
My daughter’s latest policy is now being cancelled on the basis of a “non-disclosure” when she answered the question they asked truthfully.
The notice of future cancellation counts as a forced cancellation irrespective of the fact that my daughter cancelled first. The argument is that she wouldn’t have cancelled if not told of imminent cancellation by the underwriter.
The question “Have you ever had insurance cancelled?” is therefore a phoney. The question should be amended to add “...or been advised of a future cancellation”.
My daughter’s latest policy is now being cancelled on the basis of a “non-disclosure” when she answered the question they asked truthfully.
Whether they can legally do it or not, they’ve done it and are intractable. I’ve just spent 10 minutes on the phone to Auto Saint.
I’m one step removed from this (being a third party to the discussion) but trust my daughter to have answered accurately to the questions asked.
Back to square one - a best quote of c. £8k. for her first year of driving. Bus, bike or Shanks’ pony.
I’m one step removed from this (being a third party to the discussion) but trust my daughter to have answered accurately to the questions asked.
Back to square one - a best quote of c. £8k. for her first year of driving. Bus, bike or Shanks’ pony.
HarveyM said:
Where do we go from here?!
Well hopefully all these posters who said she would be fine because she got in there with the cancellation first, can help you out further now...A lot of people called this spectacularly wrong...
maclarkk said:
Providing she manages to cancel the policy before the insurer does (I admit it’s chances are slim), then she won’t have any problems in the future.
The question insurers ask is “have you ever had a policy cancelled/voided? Etc.”
Not “have you ever had a cancellation notice before?”
The question insurers ask is “have you ever had a policy cancelled/voided? Etc.”
Not “have you ever had a cancellation notice before?”
InitialDave said:
The policy must have been active for her to cancel it. So she cancelled it before they did.
PorkInsider said:
This ^^
Twig, who posted a couple of times in this thread, is an insurance guy and it was his advice too so I’d assume she’ll be ok regarding not having to declare the cancelled policy.
Twig, who posted a couple of times in this thread, is an insurance guy and it was his advice too so I’d assume she’ll be ok regarding not having to declare the cancelled policy.
InitialDave said:
While this company/group will have the record that they sent a cancellation notice (and why), and she may well have burned her bridges with them, for anyone else, she shouldn't have an issue. She cancelled her insurance.
desolate said:
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 TwigtheWonderkid said:
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.
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.
desolate said:
You are quoting me but I am not aware of a database for cancelled policies.
I update and subscribe to the databases.
I agree with you, there’s no database that I’m aware of that holds this information. I also agree with your scepticism around the story the OP is getting. I update and subscribe to the databases.
come on peoples...... you have to be pretty naive if you think the insurers are not going to SHARE information, and if you think there not going to be stupid enough to put 2 and 2 together when she phones up to cancel a policy that they are going in the process of cancelling themselves..
Everyone is told that the insurance companies share information to prevent FRAUD..... which is of course what this is. Trying to get a cheaper quote by hiding your driving past!
Oh and their pretty strict on speeding and cancelling policies. My Son had money of his policy every month he drove until a little issue of 93 on the motorway had all the discounts removed and a threat to cancel the policy if he did it again.... Pretty severe for a one of issue!
Everyone is told that the insurance companies share information to prevent FRAUD..... which is of course what this is. Trying to get a cheaper quote by hiding your driving past!
Oh and their pretty strict on speeding and cancelling policies. My Son had money of his policy every month he drove until a little issue of 93 on the motorway had all the discounts removed and a threat to cancel the policy if he did it again.... Pretty severe for a one of issue!
Edited by super7 on Monday 13th August 14:34
Dromedary66 said:
HarveyM said:
Where do we go from here?!
Well hopefully all these posters who said she would be fine because she got in there with the cancellation first, can help you out further now...A lot of people called this spectacularly wrong...
Now if they tell you they are going to cancel your policy, you cancel it first, and they you go back to one of their sister companies, of course they can say they still don't want to insure you!
super7 said:
come on peoples...... you have to be pretty naive if you think the insurers are not going to SHARE information, and if you think there not going to be stupid enough to put 2 and 2 together when she phones up to cancel a policy that they are going in the process of cancelling themselves..
I'm sure they want to.Are they allowed to, and how?
HarveyM said:
Update and not good news.
My daughter has reinsured. The current insurance company has written to her to advise they are cancelling her insurance as the previous company has a cancellation marker against her.
Where do we go from here?!
Oh dear.My daughter has reinsured. The current insurance company has written to her to advise they are cancelling her insurance as the previous company has a cancellation marker against her.
Where do we go from here?!
"Where do we go from here?"
Perhaps suggest to your daughter that she sorts it out herself, because she is an adult and it really isn't your problem.
desolate said:
InitialDave said:
I'm sure they want to.
Are they allowed to, and how?
They want to, are allowed to but they don't have the mechanism at the moment.Are they allowed to, and how?
If they do it's really very very new.
Given the insurers involved I doubt they are at the bleeding edge of technology.
And you don't need to be bleeding edge to be able to receive it and use it....
Do you think these insurers are all running in the past. They have been at this for years!
I would never commit fraud. I was trying to help out because my 17 year old drove really badly for one day and I don’t want her penalised for the rest of her life. I want her to have learned a lesson, take responsibility for her driving and learn to be a very good driver.
I also want the “lesson learned” to be proportionate - several weeks off the road and an extra few hundred quid on her next policy would feel so to me. Other views may vary.
I’m not exonerating her from the disgraceful driving demonstrated to date.
And yes, she likes to act like she’s all grown up when it comes to life’s opportunities but she is not yet an adult.
I also want the “lesson learned” to be proportionate - several weeks off the road and an extra few hundred quid on her next policy would feel so to me. Other views may vary.
I’m not exonerating her from the disgraceful driving demonstrated to date.
And yes, she likes to act like she’s all grown up when it comes to life’s opportunities but she is not yet an adult.
Edited by HarveyM on Monday 13th August 14:50
going back to the insurers that are part of the saga
Trinity Lane appear to be a maltese capitive who only deal with a limited number of brokers who all seem to be magically the same insurance group
http://www.trinitylane.co.uk/
so safe to assume they share information in the group, and probably own the insurer too
Markerstudy are an MGA usually underwritten by Zenith out of Gibraltar
Trinity Lane appear to be a maltese capitive who only deal with a limited number of brokers who all seem to be magically the same insurance group
http://www.trinitylane.co.uk/
so safe to assume they share information in the group, and probably own the insurer too
Markerstudy are an MGA usually underwritten by Zenith out of Gibraltar
HarveyM said:
I would never commit fraud. I was trying to help out because my 17 year old drove really badly for one day and I don’t want her penalised for the rest of her life. I want her to have learned a lesson, take responsibility for her driving and learn to be a very good driver.
I also want the “lesson learned” to be proportionate - several weeks off the road and an extra few hundred quid on her next policy would feel so to me. Other views may vary.
I’m not exonerating her from the disgraceful driving demonstrated to date.
And yes, she likes to act like she’s all grown up when it comes to life’s opportunities but she is not yet an adult.
You’re getting some unjustified sI also want the “lesson learned” to be proportionate - several weeks off the road and an extra few hundred quid on her next policy would feel so to me. Other views may vary.
I’m not exonerating her from the disgraceful driving demonstrated to date.
And yes, she likes to act like she’s all grown up when it comes to life’s opportunities but she is not yet an adult.
Edited by HarveyM on Monday 13th August 14:50
t on here, I’m afraid PH has attracted more than it’s fair share of keyboard warriors. I would do exactly the same in your shoes.I wish I could offer some more practical help. Is it worth trying again outside of the insurance group she was with or does she have 2 cancelled policies now?
HarveyM said:
I would never commit fraud. I was trying to help out because my 17 year old drove really badly for one day and I don’t want her penalised for the rest of her life. I want her to have learned a lesson, take responsibility for her driving and learn to be a very good driver.
I also want the “lesson learned” to be proportionate - several weeks off the road and an extra few hundred quid on her next policy would feel so to me. Other views may vary.
I’m not exonerating her from the disgraceful driving demonstrated to date.
And yes, she likes to act like she’s all grown up when it comes to life’s opportunities but she is not yet an adult.
If you want a 'bad day' to be forgotten, don't get a black box policy. Pay the extra...... God knows how many cancellations we would get if most of us had a black box. I also want the “lesson learned” to be proportionate - several weeks off the road and an extra few hundred quid on her next policy would feel so to me. Other views may vary.
I’m not exonerating her from the disgraceful driving demonstrated to date.
And yes, she likes to act like she’s all grown up when it comes to life’s opportunities but she is not yet an adult.
Edited by HarveyM on Monday 13th August 14:50
They catch you breaking the law. If the insurers 'overlooked' this fact, how could they conduct an honest business?
Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff