My car insurance got cancelled, where do I stand, how does this effect me?

Hey there,

All insurers/brokers dealing with insurance these days ask

Have you ever been declined,cancelled or have terms imposed on your insurance before?

You need get on the phone with the new insurer and tell them you just received a letter from your old insurer and make them aware of the situation or else this new policy is also void?? as the information you provided is false get on the phone before the new insurer search your details on the mib/cue database and cancel your policy

also don't forget to mention the accident you had regardless the claim was successful or not

expect a increase in premium for next 5 years and yes you must declare your insurance was cancelled if your insurer cancelled it

hope this helps

So I had an accident, not my fault, made a claim. but my insurance company didn't like how I was a named driver on the policy but the owner of the car, however this was made aware to them when I took the policy. so they dropped my claim and refunded my money. I then immediately got new cover elsewhere. I have now received a letter that suggests that what had happened was my insurance had been cancelled. Now i did not know this at the time of getting my new cover. However my new cover is fully in my name now. The company didn't ask me weather I had been cancelled before either. where do I stand, do I need to ring them up and tell them? I don't what to have another policy cancelled cause I didn't know my previous one was? also how does this effect me, and for how long? My new policy is with Diamond, I understand some companies do not insure people who have had polices cancelled, would they?

Super stressed and confused about all this. The accident I had was not my fault, and the person who done it, gave me fake contact details so i'm all kinds of screwed :/

Thank you for any help.

If it is not asked, it is usually an assumption that you have not had insurance cancelled(other than at end of the terms, e.g. refusal to renew) or had special terms imposed in the last 3/5 years. You should read the T&Cs to be sure, but I would recommend telling them. IF the policy was ended on the grounds that they paid the value of your car after the car was written off, this doesn't mean the policy was cancelled.

With the fake contact details, did you not take their registration plate?

[h="3"]Nehal[/h]
First of all, I do sympathize you.

I am not professional but I would go to the (a) ombudsman or (b) the lower! I believe you can sort out the case through them only. Act as fast as you can.

srsly mate you made an account just to post on 5 month old post...

I agree.
All insurance companies ask if you have had insurance cancelled/declined etc in the past. Id phone them and tell them. And if they ask why you didnt tell them when you took the policy out then explain the situation. If you dont tell them and they find out, then theres a chance they could cancel your policy.
When you tell your new insurance about it, the price might go up, so expect that you might have to pay a bit more. Your insurance is also likely to be more expensive in future because of having your insurance cancelled, because you are more of a risk.
When you had the accident, if the other person provided false details, then id get the police involved. You have to give your details after an accident, and i may be wrong but i think providing false details could also be illegal.
Im not sure what happened with your old insurance, but if you told them you where the owner, but just a named driver in the first place, then they should of known, and id get on to them about it. If you where the main driver then its fronting, but theres no evidence to suggest you where.

I cancelled the car insurance in my name
But my ex girlfriend is still driving it around
Unaware because she cheated on me who gets in trouble with the law here???

Providing incorrect details after an RTC/RTA is very illegal, you're knowingly providing false information as to protect your own ass from prosecution. Essentially, it's no different from lying to the police when you are asked for insurance details, or anything of that motoring nature.

A similar thing happened to my dad once many years ago, guy who caused the RTC made up his address and his name, all bogus, my dad savvily enough took down the registration of the vehicle the other guy was driving (You'd be surprised how many people forget this in the initial shock of being in an accident), went to the police with it, and they traced the guy through the DVLA.

I believe he received a caution from the police for knowingly providing false information, in an attempt to "pull a fast one", his insurers also jacked his premium right up.