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Car insurance cancellation

Hi guys, I was a named driver (third) on my Dad's insurance policy. However the insurance company cancelled the car insurance due to a change in circumstances (my Dad changed jobs)

Now I am trying to get car insurance for myself on my own name and have my Mum as a second driver, do I need to notify the insurance company that I have previously had insurance cancelled although I was not the first driver and I barely drove that car?


So confused!
No... unless you're trying to claim no claim bonus.
Reply 2
Avatar for IWMTom
IWMTom
20
Original post by Capsule
Hi guys, I was a named driver (third) on my Dad's insurance policy. However the insurance company cancelled the car insurance due to a change in circumstances (my Dad changed jobs)

Now I am trying to get car insurance for myself on my own name and have my Mum as a second driver, do I need to notify the insurance company that I have previously had insurance cancelled although I was not the first driver and I barely drove that car?


So confused!


If it wasn't your policy, you don't need to disclose it; you haven't had a policy cancelled.
Original post by IWMTom
If it wasn't your policy, you don't need to disclose it; you haven't had a policy cancelled.


I agree.
Your dad had the policy cancelled not you.
Reply 4
Avatar for Capsule
Capsule
OP
Original post by IWMTom
If it wasn't your policy, you don't need to disclose it; you haven't had a policy cancelled.


Original post by Emma:-)
I agree.
Your dad had the policy cancelled not you.




Original post by AccountingBabe
No... unless you're trying to claim no claim bonus.



Thanks guys! If any of you have tips for getting decent car insurance please tell me. All the quotes I'm getting are ridiculous (£1.8K!) and I'm 22 -__-
Have you tried putting your mum named driver and you unnamed? She's more likely to get lower insurance.
Reply 6
Avatar for IWMTom
IWMTom
20
Original post by AccountingBabe
Have you tried putting your mum named driver and you unnamed? She's more likely to get lower insurance.


It literally says "Now I am trying to get car insurance for myself on my own name and have my Mum as a second driver" in the OP???
Are you even sure that your dad's policy was "cancelled"?

Normally if circumstances change, the company will terminate the policy or use a different term
When a friend went abroad she cancelled her policy as it was no longer of use.

That isn't what they mean by cancelled. They mean where the insurance company throws you out

But as said, YOU haven't been the holder of a policy that was cancellled
As has been said previously, you have never had car insurance as it was your dad's policy. Consequently, there is nothing to tell a future insurer. Having your mum on your own policy might help to lower the cost a bit, but if you're the main driver the policy will be calculated on this basis.

As I'm sure you know, reversing the roles and having your mum as the main driver and you as a named driver in a n effort to reduce the premium is known as 'fronting' and a serious issue.
Original post by Reality Check
As has been said previously, you have never had car insurance as it was your dad's policy. Consequently, there is nothing to tell a future insurer. Having your mum on your own policy might help to lower the cost a bit, but if you're the main driver the policy will be calculated on this basis.

As I'm sure you know, reversing the roles and having your mum as the main driver and you as a named driver in a n effort to reduce the premium is known as 'fronting' and a serious issue.


He quite clearly states that he will be the main driver? So no need for the lecture on fronting :wink:

And also, having a parent as an additional driver quite commonly reduces the premium quite substantially.
Original post by Twinpeaks
He quite clearly states that he will be the main driver? So no need for the lecture on fronting :wink:

And also, having a parent as an additional driver quite commonly reduces the premium quite substantially.


Lecture? Sorry, I missed that one...I clearly said 'as I'm sure you know', so I don't really think that counts as a lecture. Anyway, drink your Stolly!:smile:

If you're being quoted £1,800 then I'd be interested to see just how much it takes off the premium.
(edited 7 years ago)
Original post by Reality Check
Lecture? Sorry, I missed that one...I clearly said 'as I'm sure you know', so I don't really think that counts as a lecture. Anyway, drink your Stolly!:smile:

If you're being quoted £1,800 then I'd be interested to see just how much it takes off the premium.


Took about £300 off mine, might seem like a small difference to you but speak for yourself :colonhash:
Original post by Twinpeaks
Took about £300 off mine, might seem like a small difference to you but speak for yourself :colonhash:


No need to be snarky - I'm being friendly to you.

£300 is a reasonable discount, yes. What makes you think I would think £300 'a small difference'?!
Original post by Reality Check
No need to be snarky - I'm being friendly to you.

£300 is a reasonable discount, yes. What makes you think I would think £300 'a small difference'?!


Didn't meant to come across as snarky sorry :smile:

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