My insurance policy was cancelled, what can I do now?

The smartest way to counteract this is to insure as a learner as soon as you can. Buy a £200 crapbox that doesnt even run if you need to and insure it on learners insurance. So long as you have a policy in your name. Then be a learner for a year. One years no claims straight out the gate, massively reduced premiums - around a 50% discount I believe. My first car after passing was a 1.6 and it cost about £1000 on the insurance w/out a black box by using this method.

To the OP - you sped with a black box installed? Seriously? Black boxes are awful. I have had a few situations where other peoples bad driving has caused me to accelerate or brake quickly which the box would have hated but it wasn't my fault - they're basically total liability mitigation for insurance companies.

You may be able to find specialist insurance to cover just your commute but honestly I'd say invest in a bus pass or a railcard because you won't be on the road for a reasonable price for years.

In my experience, as someone who lives in central london, most my friends and people I know were quoted thousands of pounds cheaper with blackbox, to the the point that insurance was not even possible otherwise.

However I also know people in the suburbs who were quoted £400 less if they opted for blackbox, in which case I think it's completely silly to not just pay the extra premium


my point from the beginning is that for a lot of people, blackbox is the only viable option (hence why a lot of people have had to accept it). saying that you'd rather pay an extra £2000 to avoid the box is completely daft.

In principle this is clever, but I'd imagine many insurers would not accept a no claims bonus from when you were supervised every time you drove.

Comparison websites don't tend to allow the no claims years be higher than the licence held years, so this may be an issue. You'd have to ring around every insurer separately.

Certainly it's not a catch all, but it's a good starting point.

I insured via compare the market and other sites w/ more years no claims than years my license was held with no issue. Again, every person would individually have to check if it applies to them, but it does mean my insurance for a 2.5L turbo wasn't astronomical despite having only held my license for a year (although being 21 or over contributes as well) due to in part the stacked no claims offering a 65% discount (ish).

No insurance company I spoke to or got quoted by had any issue with it, apart from they couldn't transfer incomplete months (I was a learner for a year and three months or something like and lost said 3 months) - however as mentioned this is a personal remedy and would need investigation by the individual attempting to use it.

PRSOM.

They think we're trying to rip them off, but we're trying to save them money in the long run

For most people I know who live in urban areas, black box makes thousands of pounds worth the difference. For 90% of youngsters its difference between affording insurance and not being able to drive. I agree that if the difference was £200 itll be daft to get the blackbox, but its silly to assume OP made the choice of installing a blackbox to make a small saving. Most likely, the blackbox was installed to save thousands of pounds.

My first ever insurance was a black box one, the quote was £2200, otherwise without it I would have had to pay £6000. Nobody in my family was daft enough to pay that much for a £4000 car. Fortunately I managed to get cheaper insurance later and immediately switched.

To OP, look for insurance specialists and brokers and see if they can help you.

Paying 2k for insurance is dumb, should be smarter in selection of a car instead. My first year insurance was 1,100 for a 1.6 with no black box

What insurance company were you with??

The exact same has happened to me did you get sorted?? Insurance companies are actually just telling me no im not even getting expensive quotes? Do you recommend any insurance conpanies

Usually when your policy is being cancelled by the insurers they will give you a week or so. In that time you can cancel your policy yourself. If you do that technically you cancelled your policy rather than your insurers so you wouldnt need to declare it.

they don’t check the past insurance

I think the majority of people here are a bit uneducated when it comes to black boxes. I've almost been driving for 2 years - I've not had any bad experience with the black boxes.

And in all that time, I've had a black box within my car. Black boxes are not all that bad, providing that you're not a complete idiot and if you know how they work.

OP said her policy was cancelled due to speeding. This would have meant, this wouldn't be the first, second, or third occurrence of where OP was caught speeding by her black box, meaning that he/she would have had to do it regularly for it to get to this point.

Also, the thing with black box policy's is that the insurance company would give you around 3 chances, as they give out warnings - giving you time to improve your driving.which in OP's case would be His/Her's speeding habit. Usually, after the third, it is when they cancel your policy ( they tell you this beforehand).

When you have a black box, they monitor your driving. And send you messages whenever your driving needs improving. They do this before giving out warnings. It is only when you choose to ignore them, when they start issuing the warnings and eventually cancel the policy. They never cancel it instantly.

Otherwise, mine would have been cancelled many months ago. As i do speed ever so slightly every now and again - obviously not to the point where OP has.

Hi, go with LV they don’t check the past insurance. You can probably get a quote at a reasonable rate. It will be much better than what your getting now. Also cancel your insurance before your company cancels you! Then you will not have to declare it hope this helps guys I was in the same position

What do you mean by this?

Afaik LV doesn't ask the have you ever been cancelled question; but then again them insuring people without NCB and experience is a foreign concept anyway tbh. Could be wrong and I just haven't looked at their forms hard enough.

Sorry for the tardy response but I've been doing a bit of research - you're right that there's no question regarding previously cancelled policies on their proposal form, and there's nothing in the terms regarding previously cancelled policies.

However, an LV representative has confirmed to me that they use a shared database to look for cancelled policies, and either refuse to quote or increase premiums if it's a cancellation for a reason they don't like - some types of cancellations make no difference. They were unable to confirm which cancellations would affect a quote, and which wouldn't.

Usual drill probably. Fraud - no thanks. Missed a payment? Eh we'll forgive you.