Turn on thread page Beta
    • #1
    • Thread Starter
    #1

    Hi, sorry if this is in the wrong section or whatever, I'm usually pretty bad with this sort of thing.

    I'm 22 years of age and recently passed my driving test. About a month later bought my first car and got myself insured on it with More Than. I went with their smart wheels package which involves fitting a box to the car as it works out way cheaper than most other insurers per month. When the time came to call engineers out to get the telematics box fitted to the car, the engineers said they couldnt install it because the car has non-standard alloys.

    I was not aware of this as I have no clue about cars and at first didn't think it was a big deal. Now I am freaking out after speaking with more than. I've been told they will give me 7-days notice of cancellation of my policy. I can't just replace the current alloys with standard vauxhall ones because they have it on record that the cars been modified in the past.

    So now not only do I have to declare that my car has a modification to it (thus bumping up the insurance cost significantly), but this means on any insurance I will also have to declare that I've had a policy voided/cancelled. This doubles the insurance, if I can even get a quote at all.

    Does anyone have any ideas how I can get myself out of this mess because at the moment from where I'm standing, one tiny stupid mistake means that I can never drive a car again.
    Offline

    14
    ReputationRep:
    Made two mistakes here, someone else made them before too.

    The first mistake is not properly looking at what you're buying. If you don't have a clue, always find someone else who does. Mistake number two is your policy type - on a normal policy if you made this mistake you would still be able to probably be able to ask them to still insure you, but at an inflated rate (which is better than a cancelled policy). On a black box you can't have any mods at all so where this difference is significant; that is why they cannot insure you. Start making some calls, including to MoreThan; ask if they can do anything for you like a fully comprehensive non blackbox insurance, or if in those 7 days if you get the wheels changed back could they continue to insure you. The answer is probably no, but you don't really have a lot more to lose right now.

    I mean I have to be honest, you're pretty screwed, all you can do is swallow it and start being prepared to pay double premiums for a while, possibly some all sections XS policies. Your age works a bit with you here, you'll still be able to get insurance, but the cost is going to suck.
    Offline

    0
    ReputationRep:
    (Original post by nevershear)
    Made two mistakes here, someone else made them before too.

    The first mistake is not properly looking at what you're buying. If you don't have a clue, always find someone else who does. Mistake number two is your policy type - on a normal policy if you made this mistake you would still be able to probably be able to ask them to still insure you, but at an inflated rate (which is better than a cancelled policy). On a black box you can't have any mods at all so where this difference is significant; that is why they cannot insure you. Start making some calls, including to MoreThan; ask if they can do anything for you like a fully comprehensive non blackbox insurance, or if in those 7 days if you get the wheels changed back could they continue to insure you. The answer is probably no, but you don't really have a lot more to lose right now.

    I mean I have to be honest, you're pretty screwed, all you can do is swallow it and start being prepared to pay double premiums for a while, possibly some all sections XS policies. Your age works a bit with you here, you'll still be able to get insurance, but the cost is going to suck.
    Thanks for the response. Unfortunately I’ve already tried all that you’ve suggested. Looks like I’m not gonna be able to drive until I’m 27 because it’s working out at about £5000 a year. This is not something I can afford 😪
    Offline

    14
    ReputationRep:
    (Original post by Con5189)
    Thanks for the response. Unfortunately I’ve already tried all that you’ve suggested. Looks like I’m not gonna be able to drive until I’m 27 because it’s working out at about £5000 a year. This is not something I can afford 😪
    Call some policy specialists like Adrian Flux and PolicyAssist. Don't go to comparison sites for a now. In 5 years you can go to Direct Line who don't care about older cancelled policies.
    • Community Assistant
    Offline

    20
    ReputationRep:
    Community Assistant
    (Original post by Anonymous)
    Hi, sorry if this is in the wrong section or whatever, I'm usually pretty bad with this sort of thing.

    I'm 22 years of age and recently passed my driving test. About a month later bought my first car and got myself insured on it with More Than. I went with their smart wheels package which involves fitting a box to the car as it works out way cheaper than most other insurers per month. When the time came to call engineers out to get the telematics box fitted to the car, the engineers said they couldnt install it because the car has non-standard alloys.

    I was not aware of this as I have no clue about cars and at first didn't think it was a big deal. Now I am freaking out after speaking with more than. I've been told they will give me 7-days notice of cancellation of my policy. I can't just replace the current alloys with standard vauxhall ones because they have it on record that the cars been modified in the past.

    So now not only do I have to declare that my car has a modification to it (thus bumping up the insurance cost significantly), but this means on any insurance I will also have to declare that I've had a policy voided/cancelled. This doubles the insurance, if I can even get a quote at all.

    Does anyone have any ideas how I can get myself out of this mess because at the moment from where I'm standing, one tiny stupid mistake means that I can never drive a car again.
    Cancel it before they do, get the correct wheels for your car, and reinsure?
    Offline

    17
    ReputationRep:
    (Original post by Anonymous)
    Hi, sorry if this is in the wrong section or whatever, I'm usually pretty bad with this sort of thing.

    I'm 22 years of age and recently passed my driving test. About a month later bought my first car and got myself insured on it with More Than. I went with their smart wheels package which involves fitting a box to the car as it works out way cheaper than most other insurers per month. When the time came to call engineers out to get the telematics box fitted to the car, the engineers said they couldnt install it because the car has non-standard alloys.

    I was not aware of this as I have no clue about cars and at first didn't think it was a big deal. Now I am freaking out after speaking with more than. I've been told they will give me 7-days notice of cancellation of my policy. I can't just replace the current alloys with standard vauxhall ones because they have it on record that the cars been modified in the past.

    So now not only do I have to declare that my car has a modification to it (thus bumping up the insurance cost significantly), but this means on any insurance I will also have to declare that I've had a policy voided/cancelled. This doubles the insurance, if I can even get a quote at all.

    Does anyone have any ideas how I can get myself out of this mess because at the moment from where I'm standing, one tiny stupid mistake means that I can never drive a car again.
    Call them and Cancel the policy before they do
    Posted on the TSR App. Download from Apple or Google Play
    • Community Assistant
    Offline

    19
    ReputationRep:
    Community Assistant
    (Original post by IWMTom)
    Cancel it before they do, get the correct wheels for your car, and reinsure?
    Exactly.
    Then you wont have a cancelled policy on your hands.
    And you can get a normal quote like everyone else.
 
 
 

1,217

students online now

800,000+

Exam discussions

Find your exam discussion here

Poll
Should predicted grades be removed from the uni application process

The Student Room, Get Revising and Marked by Teachers are trading names of The Student Room Group Ltd.

Register Number: 04666380 (England and Wales), VAT No. 806 8067 22 Registered Office: International House, Queens Road, Brighton, BN1 3XE

Write a reply...
Reply
Hide
Reputation gems: You get these gems as you gain rep from other members for making good contributions and giving helpful advice.