May have to say GOOD BYE

Kamsin · 11-01-2011, 18:48

I have just been told by my insurance company that my policy for the tuck could be void tomorrow, due to me getting knocked off my motorbike in a hit and run and not telling them. I may be able to keep it if they decide to just increse the premium but i wont find out till tomorrow.

So the fact i have over 10 years no claims with them on my BMW and they mirrored the policy, the one i had on the bike will over rule them.

No wonder people dont bother to insure stuff!

Will keep you posted.

11-01-2011, 18:58

mate of mines just had a simlair thing happen,theyve voided his no claims as he isnt the risk they insured for all those yrs its jumped from £300 to £1200

11redrex · 11-01-2011, 19:04

If you didn't tell them, how do they know ?

extreme-4x4 · 11-01-2011, 19:04

so why would that effect you being here ?
who is your policy with,
national farmers union do a very nice introductory offer

extreme-4x4 · 11-01-2011, 19:06

60% i beleive my ex just got .... kin bitch

Deleted account DD · 11-01-2011, 19:07

Quote:

Originally Posted by 11redrex

If you didn't tell them, how do they know ?

All the insurance companies exchange details, they tell you that at all stages.

Even if one company withdraws cover there should be another willing to take you on.

11-01-2011, 19:18

im using lionheart trade ins with qbe being the underwriters seem very cheap but slow to update the mid which caused a few headaches

tezzer · 11-01-2011, 19:43

Quote:

Originally Posted by daved

All the insurance companies exchange details, they tell you that at all stages.

Even if one company withdraws cover there should be another willing to take you on.

so if they withdraw his policy does that mean they have refused to insure him??, i hope not, i've heard that it can be very difficult to get insurance, how does he stand dave.??

extreme-4x4 · 11-01-2011, 19:45

you dont tell them

Adz · 11-01-2011, 19:55

Quote:

Originally Posted by extreme-4x4

you dont tell them

It will show

Deleted account DD · 11-01-2011, 20:01

Quote:

Originally Posted by tezzer

so if they withdraw his policy does that mean they have refused to insure him??, i hope not, i've heard that it can be very difficult to get insurance, how does he stand dave.??

Somone from the Insurance industry will give a better fuller answer but as it stands for use on the road f you like he is uninsured from the time and date they state.

When you go for new cover one of the questions you will be asked is "have you ever had cover withdrawn or refused"

Some companies (Im told) have a carte blanche "sorry we're not interested in you if the answers yes" stance.

Others will give you a chance to state your case and then decide on the risk to them in insuring you.

If you dont tell them the full story and they later find out you could be prosecuted for deception. One form of that is pecuniary advantage, ie you gained the policy under better terms than you otherwise would have

extreme-4x4 · 11-01-2011, 20:02

i musta had 10 policies cancelled cos i didnt pay em or missed a dd
obviously when times were much harder

its not that they have refused to insure. its cover is withdrawn so no need to tell them .

refused to insure is the question asked.... and thats for disabilities (could even be short term)/ bad behaviour drink driving, drugs and so on .

the fact he no longer wants it because he wont pay the increased premium ( and thats all this will be ) is between him and his soon to be ex insurer

Deleted account DD · 11-01-2011, 20:03

Quote:

Originally Posted by Adz

It will show

It almost certainly will.

The amount of cross checking and fraud detection that goes on now is massive. The days of insurance being based on an honest gentlemans agreement have long gone.

Adz · 11-01-2011, 20:11

Quote:

Originally Posted by daved

It almost certainly will.

The amount of cross checking and fraud detection that goes on now is massive. The days of insurance being based on an honest gentlemans agreement have long gone.

You would know more than me obviously but with modern technology the DVLA / Insurance & Police are all like Big Brother & know at the press of a button

Deleted account DD · 11-01-2011, 20:27

Quote:

Originally Posted by extreme-4x4

i musta had 10 policies cancelled cos i didnt pay em or missed a dd
obviously when times were much harder

its not that they have refused to insure. its cover is withdrawn so no need to tell them .

refused to insure is the question asked.... and thats for disabilities (could even be short term)/ bad behaviour drink driving, drugs and so on .

the fact he no longer wants it because he wont pay the increased premium ( and thats all this will be ) is between him and his soon to be ex insurer

I know where yore coming from

but they will ask if cover has been withdrawn they dont mean lapsed by you which is what not paying up could be construed as. it could have been withdrawn by the company due to fraud or bad debt and that could also affect the decision of your new insurers

I must be honest I cant believe how tight theyve become. At one time if you modded your car within reason (I used to replace shockers and springs on my saloon cars with a handling kit when the old ones needed replacing) they used to just say no prob thanks for telling us, now they bill you the minimum of an "admin charge"

11-01-2011, 18:48	#1
Kamsin Senior Member Join Date: Dec 2010 Location: East Midlands Vehicle: Maverick 4x4 2.7 TDI 97 Posts: 1,211	May have to say GOOD BYE I have just been told by my insurance company that my policy for the tuck could be void tomorrow, due to me getting knocked off my motorbike in a hit and run and not telling them. I may be able to keep it if they decide to just increse the premium but i wont find out till tomorrow. So the fact i have over 10 years no claims with them on my BMW and they mirrored the policy, the one i had on the bike will over rule them. No wonder people dont bother to insure stuff! Will keep you posted.

11-01-2011, 18:58	#2
jace Guest Posts: n/a	mate of mines just had a simlair thing happen,theyve voided his no claims as he isnt the risk they insured for all those yrs its jumped from £300 to £1200

11-01-2011, 19:04	#3
11redrex Senior Member Join Date: Aug 2010 Location: East Anglia. Buh. Vehicle: 1997 LWB Maverick 2.7TDi Posts: 1,377	If you didn't tell them, how do they know ?

11-01-2011, 19:04	#4
extreme-4x4 Senior Member Join Date: Sep 2008 Location: WALES Posts: 6,295	so why would that effect you being here ? who is your policy with, national farmers union do a very nice introductory offer

11-01-2011, 19:06	#5
extreme-4x4 Senior Member Join Date: Sep 2008 Location: WALES Posts: 6,295	60% i beleive my ex just got .... kin bitch

11-01-2011, 19:18	#7
jace Guest Posts: n/a	im using lionheart trade ins with qbe being the underwriters seem very cheap but slow to update the mid which caused a few headaches

11-01-2011, 19:45	#9
extreme-4x4 Senior Member Join Date: Sep 2008 Location: WALES Posts: 6,295	you dont tell them

11-01-2011, 20:02	#12
extreme-4x4 Senior Member Join Date: Sep 2008 Location: WALES Posts: 6,295	i musta had 10 policies cancelled cos i didnt pay em or missed a dd obviously when times were much harder its not that they have refused to insure. its cover is withdrawn so no need to tell them . refused to insure is the question asked.... and thats for disabilities (could even be short term)/ bad behaviour drink driving, drugs and so on . the fact he no longer wants it because he wont pay the increased premium ( and thats all this will be ) is between him and his soon to be ex insurer