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Declaring cancelled insurance policy - should I ?


Declaring cancelled insurance policy - should I ?

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Christopher Stacey
Christopher Stacey
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As always with these kinds of situations, it sounds like you know what you want to do, and are just looking for somebody to reassure you. But, at the end of the day, you'll be technically lying in answer to that question (regardless of whether the CUE will show this) so all you need to do is decide whether you're willing to take that risk. Sounds like you've been pretty fortunate in the past - if I were you, I wouldn't want to be in that situation again.

And, just to add to what SC says, given you say you're looking for "a professional opinion", it's worth point out that this is a peer-to-peer forum so while you might get some useful peer advice, I'd suggest you look elsewhere (perhaps another insurer?) for professional advice.



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SouthernChap
SouthernChap
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If there's nothing on the CUE then I guess you're okay. You have documented evidence to suggest that you've no cancelled policies against you. You got yourself insured this year with no problem so I'd be tempted to keep my mouth firmly closed.

I have previously worked in the insurance industry as a programmer (working in london, in insurance, for a major insurer...no bloody wonder I'm out in the sticks writing software for a completely different sector! lol ) but I'm not an insurance specialist so any risks you run taking my dubious advice are yours to keep! ;-)
SouthernChap
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Good stuff. Do let us know, it'd be interesting to find out. ;-)
Previous_kr
Previous_kr
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Hi all... Seeking advice from those very knowledgeable about car insurance.

Not your usual question, cant find a relevant answer elsewhere.


In Sept 2011 year someone in a stolen car wrote off a car of mine.

My then insurer (Elephant / Admiral) refused to pay out and cancelled policy, and cancelled all my no claims bonus (5 years) as well saying the policy was void from inception (back to 2006), as I had an undeclared IN10 (no insurance issued back in 2007).

After a bit of me arguing that this resulted in an 'unjust outcome' they allowed 5 years no claims, refunded all my premiums from 2006 onward and simply didn't pay out. I ended up getting the money from the insurer of the stolen car (which is what I had instructed Elephant to do originally, would've actually worked out cheaper for them....)

Last year upon renewal I told my new insurer Adrian flux, about all of this. . They seemed to suggest that there is nothing on the Claims underwriting exchange about a cancelled policy. They insured me through Aviva all ok. I notice my Aviva policy specifically says no on the question "have you ever had insurance cancelled... etc"


So... recently I sent off for a report of all my personal information to the Claims Underwriting Exchange (CUE - the database insurers use to swap information about you)

It records a non fault claim. It doesn't say anything about a cancelled policy.

My question - Insurance is due again - Do I need to tell my new insurers about a cancelled policy? Assuming I use insurers who don't use admiral as underwriters then I have no issues? or do insurers use other databases for this?

Id like a professional opinion, obviously I cant ask my new intended insurer as they will simply put the price up anyway, regardless.

How long are you supposed to declare cancelled policy's for - forever? I have a spent conviction arguably more serious than my IN10 and as a reformed person it seems unfair that although the law allows a second chance for criminal convictions insurers wont for persons who have had policies cancelled!

So, what do you think? Grateful for advice on what I ought to do, both morally and technically what is possible.

Regards.
Previous_kr
Previous_kr
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renewed my existing provider as they are fully aware of all the details surrounding this.

Will use the next 12 months to investigate, as far as possible through subject access requests etc and through asking admiral which fraud and other databases they consulted during the incident (I believe they are legally advised to tell me...) and see what is held and where so next year I can make an informed decision.

Thanks for your advice, when I know what is held where I'll update this thread, hopefully my experiences can help others in a similar position.
GO


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