Unfortunately, we will not be able to cover you for the coming year.

phil-k

phil-k

phil-k

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just had my renewal reminder from Swiftcover and it says "Unfortunately, we will not be able to cover you for the coming year."
Have had clean licence and no claims for over 20 years, so I dont think its anything to do with that.
My wife thinks its something to do with the new equality rules and they are going to put up their charges and wouldnt be able to compete, but I would have thought all the insurance companies would be in the same boat
My worry is that I think you have to put on any application for new insurance if you have ever been refused insurance. I will have to contact them after the holidays to see whats going on
 
I wonder if the legislation covers being able to refuse insurance based on gender? If it isn't covered then if all default renewals for men are refused meaning they have to disclose that refusal then the end result is that men are charged more "because they have been refused insurance in the past"?

Thinking like that leads me to wonder where my tin foil hat is though...
 
They are not saying they are refusing to insure you so no need to declare that. If you go on go compare or similar there are always companies that don't quote, doesn't mean you declare that.
 
It's very unlikely to be anything to do with the new gender rules. As you've got a normal (unmodified?) car I'd suspect it's your occupation that their underwriters have decided they no longer want to cover, or the details of someone named on the policy.
 
MilanoChris said:
They are not saying they are refusing to insure you so no need to declare that. If you go on go compare or similar there are always companies that don't quote, doesn't mean you declare that.
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Thats the bit I am worried about, surely "Unfortunately, we will not be able to cover you for the coming year." is the same as having been refused insurance.

Companies that dont quote on Go Compare are not actually telling you so in writing, so I wouldnt have thought they would be relevent as you say
 
phil-k said:
My worry is that I think you have to put on any application for new insurance if you have ever been refused insurance. I will have to contact them after the holidays to see whats going on
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They may have simply altered some of their underwriting criteria and you no longer meet it, you do not have to declare this as it's just a case of "computer says no". It's more to do with them refusing cover due to finding out you have been done for drink driving etc that is the issue.

Otherwise we'd all be screwed the minute we put a quote through a comparison site as there always some that refuse to quote.
 
Interesting point though, I wonder if it's set out in stone what the difference is. I've often had companies simply not quote for me due to the car or something, always wondered what this had to do with "being refused insurance".
 
An "insurance refusal" is not the same as where an insurer is unwilling or unable to offer you a quote. A "refusal" is usually where your policy is cancelled, the insurer refuses to renew it and/or claims that you submitted are rejected. There are a number of reasons why this might happen, but simply being turned down by an insurer when you are making an initial application for insurance does not constitute "refusal". This is not a material fact that you need to disclose.
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You haven't actually applied for a renewal yourself (I assume) so personally I wouldn't bother disclosing it.
 
If you put your details through their online quote, what happens? If it fails then, you can change individual bits to work out what it is
 
TheVoice said:
You haven't actually applied for a renewal yourself (I assume) so personally I wouldn't bother disclosing it.
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The OP meets that criteria.

They have refused to renew his policy. So yes it has been cancelled. It's not an initial application as he's been with them for 4 years.

I'd definitely be asking for why they refused it
 
They have refused nothing other than to quote for next year, It is categorically not the same as having insurance refused ir cancelled.The op needs declare nothing, providing no quote for continuing cover is in no way the same as "we will no longer insure you" during the insurance year.
 
Just had a reply from them, they are trying to say I have changed my occupation, which I havn't and they do not cover my occupation now although all I have done is renew the last few years not changing any details
I sell Ephemera on Ebay and the nearest option in occupations is Antique Dealer and they say they do not cover that option now.
They also say" Not offering you a Renewal invitation is not classed as us refusing you insurance as unfortunately your details have changed which means that you no longer meet our Underwriting criteria."
Their loss somebody else will be getting my money for doing nothing.
I did put a note on last years quote that they were a little dearer than the next quote but I couldnt be bothered to change at that time, and they would have to be cheaper next renewal if they wanted my business, perhaps I upset someone, lol
 
Ah well at least you don't have to declare you've been refused insurance.

How much do you pay ? Sounds like your paying a low amount and that was an excuse to get you off the books as they aren't making enough money from you
 
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Only vaguely related, but I got something similar when I phoned my insurers earlier: my current underwriter doesn't want to know because I'm moving from very safe Camridgeshire to Manchester. In a heavily-modified scoob. I manage to get insured though, but had to go to different underwriter. And god bless Keith Michaels because it was still only £850. But bear in mind that I'm over 50, with a clean licence and no claims.
 
I'm sure its something to do with the gender situation with insurers which has just come into force, a way of clearing their books and starting again with new fees, we are amongst the first ones re-insuring after it started, so I wouild imagine we will hear more of this happening
 
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