Due to personal problems too complicated to explain here, I had some insurance cancelled on my 2nd car (sold now, but it was an Isuzu Piazza).
I have a company car as my main car, so it's not an immediate concern, but were I to go down the self-insuring route again, would it cause me massive problems? The co. in question (Adrian Flux) have been relatively sympathetic and indeed refunded me promptly and all that, but I am still a bit worried. Any thoughts?
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Most insurances co's will accept a letter from your employer as evidence of no claims etc, so you should find few problems.
Get a letter from Adrian Flux with details of previous cover and no claims as that lasts for up to two years I think.
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Espada III - well if you have a family and need a Lamborghini, what else do you drive?
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Shouldn't be too bad, amusingly (well not for me), on top of all this I then had someone drive into my co. car last week, but it's not my fault so my insurance (should) hopefully reflect that. Adrian F did say that they'd be willing to offer me cover again, but I was just worried about the cost! I guess honesty is the best policy, backed up with details from anyone who could help.
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As opposed to the matter of driving on co car insurance I think stevied is asking whether the fact that he has had insurance cancelled will effect his future prospects re his own insurance, my assumption being that his insurer cancelled his policy due to some minor discrepancy.
I would guess this very much depends on why the insurance was cancelled though he is not telling us.
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As opposed to the matter of driving on co car insurance I think stevied is asking ............. etc >>
Just to say this was in reply to Espada's post.
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I can tell you, it's just dull! They requested some details from me (driving licence, mother's inside leg measurement etc) and my g/friend was taken very ill (still is) and was taken into hospital. I received notice of cancellation, but pleaded an extra week to find and send off details. Sent them off in good time, AF tell me they didn't receive them for 8 days. Yes, I should have DHLed them or whatever, naively thought our post system worked. As I said, AF have been OK, just wondering longer term if it'll affect me greatly.
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"had some insurance cancelled".
That could be a problem. What actually happened ?
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Just trying to kickstart any answers to my query! I know it's not the most interesting question ever, but... : )
STEVE
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If you answer NOwotsisface's question fully you will get the answer. There is probably nothing he does not know about car insurance.
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The answer to his questions is above his comment!
Cheers for any advice people..
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What details did they ask for ? Why did they want proof of those details ? Why did they even want those details in the first place ? Is there something else "special" about the risk that caused those documents to be asked for ?
Had the risk even been accepted and the cover issued ? Since then a 7 day statutory notice to the last known address, probably by registered mail would be required. On what grouds was the cover cancelled rather than, as would be normal, an additional premium charged ?
OR, if you prefer...
"What actually happened ?"
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I had a temp cover note, so I guess "risk was accepted" and they asked me for the forms they'd sent out which I hadn't returned. Limited mileage declaration form as I remember. I am NOT claiming not to be a numpty, just enquiring as to whether it's the crime of the century should I want to get cover again.
I have no doubt it is, just want to torture myself!
On other insurance I am "clean" since '02.
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If I had insurance cancelled, I would know why. I would certainly remember if it was as simple as a missing mileage declaration form. Although why that wouldn't have been done at the same time as everything else I don't know - it has got to be the world's simplest form. Having insurance cancelled over a missing mileage declaration form is possible, but it would have to be missing for a loooong time. Or there I would be looking for other complications.
Having insurance cancelled is bad. If you want to know how bad, I would have to know why it was cancelled and what you say makes no sense. I would suspect that you did not have insurance cancelled, I should imagine it was just allowed to end. That raises some curious questions about premiums and balance of premiums, but with you being somewhat elusive and vague about the details, it is difficult to be sure.
Having insurance cancelled is bad. Having insurance cancelled for a bad reason is very bad. Having insurance cancelled for a less bad reason is less bad.
You will be asked in the future. Either you will say that you have not had insurance cancelled and hope that it stands up, or you will have to give them details. They will want you to do your very best to a) remember and b) be precise.
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I will look up the letter they sent me. It was a case of missing formS in the plural, not just the mileage one, as I said I will check exact details. As I said, I posted them but they arrived past the cut-off date, hence probably the swift refund I got from them.
Without wishing to be over-emotional, when one's girlfriend is in hospital with a life-threatening illness, the last thing on your mind is insurance for a second car you rarely use. I am being neither vague nor elusive, just asking for a guide to how I should maybe approach it in the future... now I know you need exact details, I will provide them.
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Did you actually fill in a paper proposal form or an electronic one?
Adrian Fluke sounds like an intermediary and not the actual insurer. Normally intermediaries are given cover note books and allowed to write cover notes under delegated authority "SUBJECT" to the receipt of a satisfactory signed proposal form/full details within a certain time. Hence they can put you on cover for a limited period. If the form is not returned in time without good reason then the insurer may attempt to come off cover. What you need to be clear about is whether there was a a formal "cancellation of cover" (relatively rarely used - I used to work for a big ins co) or just letting the cover lapse after the end of the cover note and an agreement of prorata premium. After all what has been promised to you when you went to the broker is a time limited cover note not 12 months of cover (You did not receive an ins certificate).
Insurers very rarely indeed formally cancel cover - it is usually done where there is gross misrepresentation or fraud. Eg Person lies on the proposal form about past convictions/serious accidents or misrepresents in a major way about their profession, car, use, address etc.
What is more common is just coming off risk, not proceeding with issuing a policy, agreeing a temporary premium and telling the broker to place the risk elsewhere (and rapping the knuckles of the intermediary if it was their fault - in some circumstances taking the cover note book off them if they are persistently shoddy)
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just to be clear in answering the question - if your case is one where you misrepresented the risk or the situation to the insurer to attempt to get cover which they subsequently cancelled then that is a very serious issue and is what other insurers will be extremely wary of.
If it was an admin error or slowness and all that happened is the insurer came off cover then you should not be rejudiced. However you need to make sure you have evidence eg from your intermediary that there was no fraud or misrepresentation.
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