"Insurance refused, cancelled, or voided"?
Discussion
So, I made a silly mistake on my 18th birthday and hit the max speed of 110mph in my first ever car on the M1... whilst i had a black box fitted! (I was very naive and thought i'd just get a warning or something because 'it was only once' lol. What an idiot.) Anyway, I'm now 23 and it's been more than 5 years since this incident - but this is something that you have to tell your insurer forever - if they ask.
So, my question is simply this: which insurers only ask about the last 5 years? I remember filling out an insurance form a long time ago where they only specified within a 5 year time period - but I honestly can't remember who it was.
I'm just kind of sick of paying extortionate insurance prices now though. I have never paid less than £2500 to be on the road since this incident - and it's absolutely killing me financially lol.
I think it's criminal that they can even do this to be honest. I could have gotten a driving ban, been involved in some crazy motoring-related crime (like hitting someone with my car whilst drunk), made a claim that cost an insurer £50,000, or been caught driving without insurance - but as long as it was more than 5 years ago everything would be fine and none of it would go against me. But because I maxed out a f
king Ford KA downhill on an empty motorway when I had just turned 18 I've been given a lifetime sentence that will affect me pretty much forever.
It's honestly crazy. Unfortunately, the insurers all talk, and despite this information not being held in an official database, insurers have found out in the past (before I've started the policy) that I 'forgot to tell them' when applying for insurance...😶
So, my question is simply this: which insurers only ask about the last 5 years? I remember filling out an insurance form a long time ago where they only specified within a 5 year time period - but I honestly can't remember who it was.
I'm just kind of sick of paying extortionate insurance prices now though. I have never paid less than £2500 to be on the road since this incident - and it's absolutely killing me financially lol.
I think it's criminal that they can even do this to be honest. I could have gotten a driving ban, been involved in some crazy motoring-related crime (like hitting someone with my car whilst drunk), made a claim that cost an insurer £50,000, or been caught driving without insurance - but as long as it was more than 5 years ago everything would be fine and none of it would go against me. But because I maxed out a f
king Ford KA downhill on an empty motorway when I had just turned 18 I've been given a lifetime sentence that will affect me pretty much forever. It's honestly crazy. Unfortunately, the insurers all talk, and despite this information not being held in an official database, insurers have found out in the past (before I've started the policy) that I 'forgot to tell them' when applying for insurance...😶
Also, whilst we're at it, what do they even mean 'insurance REFUSED'?
What? I'm supposed to tick a box that increases the cost of my insurance by like 3-4x if I try to get a quote from an insurer and they hit me with the "Sorry, we're unable to retrieve a quote for you at this time based on the information that you have given us." ? Lmfao.
What? I'm supposed to tick a box that increases the cost of my insurance by like 3-4x if I try to get a quote from an insurer and they hit me with the "Sorry, we're unable to retrieve a quote for you at this time based on the information that you have given us." ? Lmfao.
I think they all ask that and the wording is always 'have you ever', are you saying you had your insurance cancelled because you were caught doing 110mph as they wouldn't cancel it for that.
Did you actually then purchase insurance after that incident and fail to declare it, resulting in that insurer then cancelling your policy on the grounds that you didn't declare it?
Did you actually then purchase insurance after that incident and fail to declare it, resulting in that insurer then cancelling your policy on the grounds that you didn't declare it?
Mineral1 said:
I think they all ask that and the wording is always have you ever', are you saying you had your insurance cancelled because you were caught doing 110mph as they wouldn't cancel it for that. Did you actually then purchase insurance after that incident and fail to declare it, resulting in that insurer then cancelling your policy on the grounds that you didn't declare it?
I distinctly remember a particular insurer only asking specifically "in the past 5 years" for this specific question like 2/3 years ago when I was looking - but I've just completely forgot who it was. Honestly, i'm not sure if it was Admiral (who have since changed it).Also, did you not read what I wrote? haha. It was a blackbox insurance policy. So, basically, they were able to track my speed - and when it showed that I had hit 110mph i had breached their clause (which I obviously didn't read as a stupid 17 year old) of "if caught going over 100mph, we have the right to terminate your policy immediately". The insurer was Ingenie.
Mineral1 said:
I think they all ask that and the wording is always 'have you ever', are you saying you had your insurance cancelled because you were caught doing 110mph as they wouldn't cancel it for that.
Did you actually then purchase insurance after that incident and fail to declare it, resulting in that insurer then cancelling your policy on the grounds that you didn't declare it?
If it’s a Telematics policy then it isn’t unheard of. Did you actually then purchase insurance after that incident and fail to declare it, resulting in that insurer then cancelling your policy on the grounds that you didn't declare it?
Fair enough. I'm not sure which insurer you're referring to that has only asked about the last 5 years, perhaps you might be better off finding some kind of old school insurance broker you can speak to and explain that to rather than the usual comparison sites, though I'm not sure any even exist anymore. You could just elect not to tell them, as the worst that could happen is it gets cancelled again and you're actually no worse off in a sense?
FakeCarGuy said:
Also, whilst we're at it, what do they even mean 'insurance REFUSED'?
What? I'm supposed to tick a box that increases the cost of my insurance by like 3-4x if I try to get a quote from an insurer and they hit me with the "Sorry, we're unable to retrieve a quote for you at this time based on the information that you have given us." ? Lmfao.
They don’t mean “we can’t give you a quote” they mean you make a claim and then they refuse the claim. This happens when you have misrepresented the car for instance saying it wasn’t modified when it was etc.What? I'm supposed to tick a box that increases the cost of my insurance by like 3-4x if I try to get a quote from an insurer and they hit me with the "Sorry, we're unable to retrieve a quote for you at this time based on the information that you have given us." ? Lmfao.
The bottom line is that the refused, voided or cancelled question is all about non compliance with the terms and conditions of the insurance agreement. It is a fraud flag. If you have been shown to have lied, acted fraudulently, acted outside of your terms and conditions (stupid speed on a black box) you will always be seen as a bad risk and it will impact you forever
craigjm said:
They don’t mean “we can’t give you a quote” they mean you make a claim and then they refuse the claim. This happens when you have misrepresented the car for instance saying it wasn’t modified when it was etc.
The bottom line is that the refused, voided or cancelled question is all about non compliance with the terms and conditions of the insurance agreement. It is a fraud flag. If you have been shown to have lied, acted fraudulently, acted outside of your terms and conditions (stupid speed on a black box) you will always be seen as a bad risk and it will impact you forever
OHHH, haha, i thought my interpretation didn't make sense. Nice one, thanks for clearing that up! The bottom line is that the refused, voided or cancelled question is all about non compliance with the terms and conditions of the insurance agreement. It is a fraud flag. If you have been shown to have lied, acted fraudulently, acted outside of your terms and conditions (stupid speed on a black box) you will always be seen as a bad risk and it will impact you forever
Lo-Fi said:
This is a wind up, right? All the 'lol's', 'LMFAO's' and 'ha ha's' surely mean it's a wind up?
If not, the insurer who only enquired about the last 5 years, I'm assuming you did actually take that policy? In which case you'd surely still have the paperwork/emails buried somewhere?
Nah, i'm just a bit of a donut. And i think you're misunderstanding - when I found that insurer who only enquired about the last 5 years, I was still only like 20/21 - so i would have still had to tell them regardless. It's only now that it has actually been 5 years since the incident that such a policy would actually be able to help me. It's just that i've forgotten who it was. If not, the insurer who only enquired about the last 5 years, I'm assuming you did actually take that policy? In which case you'd surely still have the paperwork/emails buried somewhere?
You can even see on this page here: https://insure2drive.co.uk/news-advice/car-insuran... that they say:
"So if an insurer does ask you if you’ve ever had a policy cancelled, you must tell them about it – no matter how long ago it occurred.
But not all insurers will ask to see your full insurance history. Some insurers will ask for details for the past five years, for example. If this is the case, and your policy was cancelled more than five years ago, then you don’t have to declare it."
It's just that the broker doesn't specify who only enquiries about the past 5 years since they want you to use their service so that they can get their cut lol.
FakeCarGuy said:
ridds said:
Short answer.
If it's over 5 years ago then don't tell them.
Can't do that because they keep the information in their own private databases. It's been a problem in the past and I don't want to get done for non-disclosure and make things even worse for myself. If it's over 5 years ago then don't tell them.
According to MID they only retain data for 7 years so you have 2 more years to go I'm afraid.
https://www.mib.org.uk/managing-insurance-data/the...
Just yet another reason to never take Blackbox insurance.
I’ve just had a quick look on google and all the answers are the same: a cancelled policy stays on your record forever. However, the answers also state that some insurers only ask about the last five years.
I would simply start looking for quotes online directly with the companies, not through companies like the meerkat lot. That way you’ll find out who want just five years and those who ask for full history.
It does seem really unfair as most criminal records are wiped after a certain time and you’re being held accountable for being a bellend forever as a teenager - don’t worry, we’ve all been there!
Good luck!
I would simply start looking for quotes online directly with the companies, not through companies like the meerkat lot. That way you’ll find out who want just five years and those who ask for full history.
It does seem really unfair as most criminal records are wiped after a certain time and you’re being held accountable for being a bellend forever as a teenager - don’t worry, we’ve all been there!
Good luck!
ridds said:
Quick google...
According to MID they only retain data for 7 years so you have 2 more years to go I'm afraid.
https://www.mib.org.uk/managing-insurance-data/the...
Just yet another reason to never take Blackbox insurance.
Agreed, but blackbox insurance was my only option as a 17 year old lad that lived in a rough part of Birmingham lol.According to MID they only retain data for 7 years so you have 2 more years to go I'm afraid.
https://www.mib.org.uk/managing-insurance-data/the...
Just yet another reason to never take Blackbox insurance.
Also, I'm not even sure if its the MID that insurers are using. Cancellations are not legally regulated information (like claims and stuff), so there's nothing stopping insurers from having their own private database that will forever have me on some sort of 'blacklist'.
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