Meaning of "refused or declined" insurance

[Gooseberry]

Some time ago on renewing buildings insurance,

when asked about state of repair,

I mentioned to my insurer (and another company I had asked to quote)

a long standing crack in a detached outbuilding (not the house)

which I said was stable and showing no movement.

 

 

They said they wanted more information before quoting for the renewal/cover, and that they would refer to their underwriters.

 

 

Before either made a decision I actually obtained a better quote elsewhere (with full disclosure, obviously).

I wrote to the two companies saying that was the case, and that I did not want to pursue the applications with them.

 

Some time on,

I am now obtaining quotes for another completely unconnected house.

 

 

I am being asked the standard question

"have you ever been refused or declined insurance".

 

 

My view is that neither company declined cover,

as I withdrew the application before a decision was made (or at least notified to me).

 

 

At the same time, they didn't actually offer me cover either!

Can I safely answer "no" to the question about having insurance declined?

 

Confused!

[dx100uk]

yes

 

 

dx