Need help |
Need help |
Fri, 9 Apr 2021 - 20:58
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#1
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New Member Group: Members Posts: 7 Joined: 9 Apr 2021 Member No.: 112,214 |
Hi hoping you lovley people can help me, im in such a panic right now, so today my partner thought it would be ok to take my carvwithoit my permission, and him not been on my insurance, he was pulled over by police and my car was impounded. Ive got my car back. Ive had an email from my insurance saying they will not be renewing my policy in may when it ends, what does this mean for me? Will anyone ever insure me in the future? Am i going to be in trouble with the police? Ive been driving 8 yrs and have no points etc on my license i have really bad anxiety and all this is just sending ne off the scale, hope someone can help and thanks in advance
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Fri, 9 Apr 2021 - 20:58
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Sun, 11 Apr 2021 - 10:54
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#21
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Member Group: Life Member Posts: 24,214 Joined: 9 Sep 2004 From: Reading Member No.: 1,624 |
AIUI, a charge of permitting is more likely to be applied in cases where the uninsured driver cannot be prosecuted (or located, or possibly even doesn't exist).
-------------------- Andy
Some people think that I make them feel stupid. To be fair, they deserve most of the credit. |
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Sun, 11 Apr 2021 - 14:18
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#22
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Member Group: Members Posts: 3,300 Joined: 17 Jun 2011 Member No.: 47,602 |
Most insurance applications ask if you have ever been "refused" insurance which is what has happened here - your insurer has refused to provide you with a renewal quote. Check the wording when applying for insurance. If they ask for "cancel", "voided" or whatever it's a different story. FWIW something similar happened to me. After a series of no-fault claims, my then insurer advised that they would not be renewing. For about ten years now, I have been answering "No" to the cancellation or refusal question - I believe correctly. Nothing bad has ever happened as a result. |
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Sun, 11 Apr 2021 - 14:25
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#23
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Member Group: Members Posts: 1,209 Joined: 27 Jun 2006 Member No.: 6,356 |
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Sun, 11 Apr 2021 - 15:42
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#24
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Member Group: Members Posts: 3,300 Joined: 17 Jun 2011 Member No.: 47,602 |
For about ten years now, I have been answering "No" to the cancellation or refusal question - I believe correctly. Nothing bad has ever happened as a result. Have you made any claims in that time? Quite a few. Mostly when I was instructing, and other drivers seemed to use my car for target practice. |
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Sun, 11 Apr 2021 - 16:09
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#25
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Member Group: Members Posts: 3,074 Joined: 17 Nov 2015 Member No.: 80,686 |
For about ten years now, I have been answering "No" to the cancellation or refusal question - I believe correctly. Nothing bad has ever happened as a result. Have you made any claims in that time? Quite a few. Mostly when I was instructing, and other drivers seemed to use my car for target practice. I'm sure many on here have exceeded the applicable speed limit from time to time and haven't had a NIP, but it's not something we would guide members to do though? |
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Sun, 11 Apr 2021 - 16:51
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#26
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Member Group: Members Posts: 3,300 Joined: 17 Jun 2011 Member No.: 47,602 |
For about ten years now, I have been answering "No" to the cancellation or refusal question - I believe correctly. Nothing bad has ever happened as a result. Have you made any claims in that time? Quite a few. Mostly when I was instructing, and other drivers seemed to use my car for target practice. I'm sure many on here have exceeded the applicable speed limit from time to time and haven't had a NIP, but it's not something we would guide members to do though? I'm not suggesting that anyone should lie. I have always answered the questions truthfully, in line with the advice given by my broker at the time. It seems to me that there is a difference between refusing to insure and declining to renew. There was no question of fraud or abuse of any kind - insurer A has simply looked at the claims history and made an underwriting decision not to accept the risk. Meanwhile insurers B, C, D, etc., given the identical facts, have been happy to quote. Consider the situation when you look for insurance through the Meerkats. Maybe a dozen insurers provide quotes. Many others may have refused to quote, but you will never know and cannot be expected to declare that. |
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Sun, 11 Apr 2021 - 23:07
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#27
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Member Group: Members Posts: 13,572 Joined: 28 Mar 2010 Member No.: 36,528 |
It seems to me that there is a difference between refusing to insure and declining to renew. There was no question of fraud or abuse of any kind - insurer A has simply looked at the claims history and made an underwriting decision not to accept the risk. Meanwhile insurers B, C, D, etc., given the identical facts, have been happy to quote. Consider the situation when you look for insurance through the Meerkats. Maybe a dozen insurers provide quotes. Many others may have refused to quote, but you will never know and cannot be expected to declare that. Yes, I did wonder whether an insurer could be said to have declined cover when they had not in fact been asked to provide it, and what they have done is actually to indicate they will not provide cover if asked. In the end though, I think it is probably better not to rely on such sophistry in favour of providing full details. It might be uncomfortable to be arguing about the exact meaning of the question when there is a huge personal injury claim involved. On the other hand, I have never felt it necessary to declare anything about the refusal of companies to insure me when I was 17, purely on the grounds of my age. -------------------- |
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Mon, 12 Apr 2021 - 06:34
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#28
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Member Group: Members Posts: 56,198 Joined: 9 Sep 2003 From: Warwickshire Member No.: 317 |
I was once declined cover as they wouldn't insure me (at 28) on a Group 16 car (when the scale was 1-20). I told every insurer for about 10 years, none gave a toss but most said I was right to check.
-------------------- There is no such thing as a law abiding motorist, just those who have been scammed and those yet to be scammed!
S172's Rookies 1-0 Kent Council PCN's Rookies 1-0 Warwick Rookies 1-0 Birmingham PPC PCN's Rookies 10-0 PPC's |
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Mon, 12 Apr 2021 - 09:41
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#29
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Member Group: Members Posts: 38,006 Joined: 3 Dec 2010 Member No.: 42,618 |
For about ten years now, I have been answering "No" to the cancellation or refusal question - I believe correctly. Nothing bad has ever happened as a result. Have you made any claims in that time? Quite a few. Mostly when I was instructing, and other drivers seemed to use my car for target practice. I'm sure many on here have exceeded the applicable speed limit from time to time and haven't had a NIP, but it's not something we would guide members to do though? Every time I run a price comparison check, there's a bunch of insurers at the bottom of the list that are unable to quote. Would you count that as "refused cover" too? -------------------- If you would like assistance with a penalty charge notice, please post a thread on https://www.ftla.uk/index.php
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Mon, 12 Apr 2021 - 09:58
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#30
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Member Group: Members Posts: 497 Joined: 14 Nov 2011 Member No.: 51,087 |
Every time I run a price comparison check, there's a bunch of insurers at the bottom of the list that are unable to quote. Would you count that as "refused cover" too? That was my thought also. The assumption is that the OP's insco have informed them that they do not wish to renew because of something that happened barely 24 hours earlier. I'm not convinced that a) they could react that quickly and b) unless the Police phoned them because the OP's partner said they were insured how they would know anyway? It is possible that when viewing policies due for renewal they have decided that the OP no longer fits their risk profile. Although they usually let you know that by doubling the price of the premium. In that situation I wouldn't say I haven't been declined. What if the OP told them they weren't going to renew anyway? Can you decline someone who didn't ask you for anything? |
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Mon, 12 Apr 2021 - 10:04
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#31
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Member Group: Members Posts: 4,746 Joined: 29 Oct 2008 Member No.: 23,623 |
Best thing she can do is to cancel the insurance herself a while before it becomes due for renewal. That way the insurer will have no opportunity to decline to renew.
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Mon, 12 Apr 2021 - 11:03
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#32
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Member Group: Members Posts: 3,074 Joined: 17 Nov 2015 Member No.: 80,686 |
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Mon, 12 Apr 2021 - 11:30
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#33
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Member Group: Members Posts: 3,300 Joined: 17 Jun 2011 Member No.: 47,602 |
Every time I run a price comparison check, there's a bunch of insurers at the bottom of the list that are unable to quote. Would you count that as "refused cover" too? 'Refused'? No, the clue is in the word 'declined' - common sense tells us the difference Does it? Common sense around here tells me they're effectively the same. And dictionaries seem to agree. |
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Mon, 12 Apr 2021 - 11:45
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#34
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Member Group: Members Posts: 3,074 Joined: 17 Nov 2015 Member No.: 80,686 |
Every time I run a price comparison check, there's a bunch of insurers at the bottom of the list that are unable to quote. Would you count that as "refused cover" too? 'Refused'? No, the clue is in the word 'declined' - common sense tells us the difference Does it? Common sense around here tells me they're effectively the same. And dictionaries seem to agree. I don't think this helps the OP at all, but to help with your English: I am unable to fit through the eye of a needle, but decline to walk through the open door. |
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