Cancelled car insurance years ago

[madge12]

Unfortunately i have been unwell and my car insurance was cancelled.

i haven't used the car and did not know how this would pan out.

I did contact the insurance company but failed.

 

Im trying to set up a non profit food parcel company social enterprise for next year

but insurance companies wont cover me or at high cost for public liability insurance

 

Is there anything i can do as years have tripled since the initial action of the cancellation.

[Ethel Street]

Sorry madge12 but you need to explain this all a bit more clearly. I can't work out what the issues are. What do you mean by "years have tripled since the initial action of the cancellation."?

 

You are having a problem getting public liability insurance. But what's that got to do with you cancelling a motor insurance policy "years ago"?  How many years ago?

Edited December 22, 2020 by Ethel Street

[madge12]

Hi

its because its linked with insurance in general. around 2013

My car insurance used to be £45 a month but due to 2 direcr debits not going through it was cancelled, this was years ago.

 

I had stopped using my car for a while, but as i started using my car again and looking for insurance its costing me double because I have had insurance cancelled on me in the past.

 

Is there anyway forward in this mess as im trying to get car and piblic liability insurance for a non profit organisation i want to set up next month but i cant even get any quotes as i have had insurance cancelled on me in the past.

Edited December 22, 2020 by madge12

[dx100uk]

2013!! surely this info should now be purged?? under atleast GDPR rules and p'haps statute barring?

[unclebulgaria67]

This is down to the silly phrasing of the question.  " have you ever had an Insurance cancelled ?"

 

Because they use the work "ever" and the question appears to cover every type of cancellation, some people declare all cancellations and end up paying very expensive premiums.

 

What the Insurers really mean, is  have you ever had an Insurance cancelled due to an incidence of fraud, attempted fraud or other serious issue, which has caused you to become a higher risk customer.

 

Having an Insurance cancelled due to you missing paying a couple of Direct Debits does not make you a higher risk.  It may mean some Insurers will refuse to accept a monthly instalments payment option or want to charge you a higher interest if you wanted monthly payment option.

 

Your cancellation due to missing DD payments is not registered on a central Insurers database and even the Insurers who cancelled the Insurance would not care about the cancellation.

 

Suggest that you phone Insurers to arrange Insurance rather that doing it online and discuss this issue, as I doubt they would record the cancellation as something where they would want to charge a higher premium.  It is because online systems are very crude in there approach, that the computer cannot make any human considered decision and therefore treats all cancellations in the same way.

 

 

 

 

[madge12]

4 hours ago, dx100uk said:

2013!! surely this info should now be purged?? under atleast GDPR rules and p'haps statute barring?

Yes you would think but its a permanent fixture.

[madge12]

2 hours ago, unclebulgaria67 said:

This is down to the silly phrasing of the question.  " have you ever had an Insurance cancelled ?"

 

Because they use the work "ever" and the question appears to cover every type of cancellation, some people declare all cancellations and end up paying very expensive premiums.

 

What the Insurers really mean, is  have you ever had an Insurance cancelled due to an incidence of fraud, attempted fraud or other serious issue, which has caused you to become a higher risk customer.

 

Having an Insurance cancelled due to you missing paying a couple of Direct Debits does not make you a higher risk.  It may mean some Insurers will refuse to accept a monthly instalments payment option or want to charge you a higher interest if you wanted monthly payment option.

 

Your cancellation due to missing DD payments is not registered on a central Insurers database and even the Insurers who cancelled the Insurance would not care about the cancellation.

 

Suggest that you phone Insurers to arrange Insurance rather that doing it online and discuss this issue, as I doubt they would record the cancellation as something where they would want to charge a higher premium.  It is because online systems are very crude in there approach, that the computer cannot make any human considered decision and therefore treats all cancellations in the same way.

 

 

 

 

Yes your probably right, companies are so adapt at misleading words.

I will call up the insurers and see what they have to say.

Many thanks for this.