Insurance renewal declaring cancellation?

Weazle

Weazle

Weazle

Associate
Joined
15 Jan 2007
Posts
1,071
Hey,

So I racked up 3 speeding convictions in the past year and my current insurer is not going to renew my policy.

When I go through to other companies and they ask "if insurance policy declined, cancelled, voided", does my insurer refusing to renew count towards this as a yes?

Cheers.
 
No. Cancelled means that the insurer ended your cover before its expiration date.

If the insurer simply didn't offer you a renewal, but allowed cover to continue until the expiration date, then the policy was not cancelled.
 
Spunkey said:
No. Cancelled means that the insurer ended your cover before its expiration date.

If the insurer simply didn't offer you a renewal, but allowed cover to continue until the expiration date, then the policy was not cancelled.
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But surely it could go under "declined".
 
Caught once at the beginning of 2016 on a downhill after a corner and the usual camera van moved to a new place closer to the corner. The 2nd time was further down the same road later in the year.

The 3rd time was a week apart from the 2nd, very unlucky as I was taking a short cut for traffic through a school area around 5pm... again camera vans.

All offenses were traveling to/from work, not my year :(
 
I've always wondered about this..

If I, when I was 18, rang up my insurance and asked if they could quote me on a Ferrari Enzo or something daft like that, would them refusing count as that.

I would think, for the purposes of this question, declined would be more in line with an insurance claim declined, as opposed to a refused quote.
 
Kuros said:
I've always wondered about this..

If I, when I was 18, rang up my insurance and asked if they could quote me on a Ferrari Enzo or something daft like that, would them refusing count as that.

I would think, for the purposes of this question, declined would be more in line with an insurance claim declined, as opposed to a refused quote.
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The question specifies "policy" though not "claim". In the strictest sense of that sentence with nothing else to go on I'd say they expect him to declare his situation.
 
Mixed responses ...

I am using a comparison site and they ask if specifically if my policy has been "insurance declined, cancelled, voided or accepted on special terms".
 
I think it's normally if they find something dodgy and cancel it from their end mid-contract, or refuse a claim.

But the unwritten rule with insurance is never volunteer information you don't have to. E.g. your supposed to tell them if you go on a "speed awareness course", but no one does because they can't find out on their own and they will only pump up the premium :P
 
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Armageus said:
No not really - e.g. if you insure via a broker, and they no longer have an underwriter who will cover e.g. your modified car, then they simply are unable to, not unwilling to.
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His current insurer are declining to renew his policy, how else are you supposed to take that in terms of the wording of the question?
 
Surely it would come under declined?
And three speeding convictions in a year, with one past a school? That's not just bad luck.
 
They declined to renew your policy because of multiple motoring convictions, so the answer would be a resounding YES. My father had a similar issue a few years ago, albeit with a few more motoring convictions than you.
 
tom_e said:
His current insurer are declining to renew his policy, how else are you supposed to take that in terms of the wording of the question?
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But its just a renewal, not a current policy. The "if insurance policy declined, cancelled, voided" means during a policy to an active policy. Not a renewal.

(as far as i know.)
 
But how do they decline a current policy? Surely then that is cancelling or voiding the current policy.
 
tom_e said:
But how do they decline a current policy? Surely then that is cancelling or voiding the current policy.
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That's how I interpret it as well. The OPs risk profile has changed drastically which has resulted in his insurer declining to continue insuring him. It's exactly the sort of thing other insurers want to know (though presumably he is actually declaring his convictions to new insurers).
 
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