Cancelled Insurance Specialist

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Why Compare Car Insurance Quotes for Cancelled Policies?

Car insurance policies can be cancelled for a variety of reasons. Some insurers, such as People’s Choice car insurance, have received complaints regarding the cancellation of policies — even those that were set to auto-renew!

If you’ve experienced a policy cancellation, it’s important to understand the potential long-term impact. Unlike motoring convictions, which become ‘spent’ after a set period, a cancelled policy can remain on your insurance record and may still influence future premium calculations. This could lead to higher costs or limited options when seeking new coverage.

While finding suitable cover after a cancellation within your budget isn’t impossible, comparing insurers becomes especially important. Some providers may still offer competitive rates, while others could charge significantly more. Taking the time to shop around and being transparent about any previous cancellations can increase your chances of finding the right policy at a fair price.

The QuoteZone comparison tool that we provide access to will enable you to compare multiple leading UK car insurance providers. The results can be easily filtered using intuitive filters to let you hone in on the quotes that meet your individual requirements.

How to get multiple car insurance quotes?

Complete online form: This should take under 3 minutes

Choose policy extras: add extra cover, for example, legal cover.

Compare deals: use the smart filters to drill down on deals that meet your requirements

You decide: If you like the price, great; if you don’t, that’s fine too. No pressure

Recent figures have shown that nearly 2.3 million drivers in the United Kingdom (UK) have penalty points on their driving licence. Penalty points are awarded to drivers who violate certain traffic regulations. Some of these may include speeding or running a red light. As a driver in the UK, these penalty points influence the insurance premiums.

If a driver has too many of them, the insurance provider may choose to revoke their coverage. In addition, factors like missed payments, licence suspension, or a change in personal circumstances may also lead to an insurance cancellation. Finding new coverage after that point can be a bit challenging, but that doesn’t mean that it can’t be obtained.

Getting Car Insurance With Cancelled Insurance

What would my car insurance get cancelled for?

Car insurance in the UK is affected by a number of different factors. When an insurance provider finds out that you intentionally or unintentionally violated the terms of the contract, they may choose to cancel the policy. In addition, some other reasons that may lead to a cancellation of insurance policies include:

Missed premium payment
Inadequate documentation
Suspended driver’s licence
Non-disclosure of traffic violations
Failure to meet or comply with terms and conditions

Can I still drive if my insurance has been cancelled?

If you, or someone you know, has cancelled your car insurance, driving should be avoided. Driving with cancelled car insurance may lead to monetary penalties and/or penalty points being added to your licence. Either case will make things worse. In addition, driving with no car insurance may also lead to:

Revocation of your driver’s licence.

Confiscation of your licence plates.

Imprisonment

Vehicle impoundment

Can car insurers see if I’ve had cancelled insurance before?

Yes, vehicle insurers are able to view your driving record and insurance history. So, if you’ve had insurance cancelled previously, your new potential provider will be able to find out. When seeking car insurance with previously cancelled insurance coverage, it’s important to let the provider know.

However, it’s important to note that once a provider knows you’ve had a previous policy cancelled, they may charge you increased premium rates. Furthermore, if the providers find out that your previous policy was cancelled after providing you with coverage, immediate termination may occur.

Can a cancelled car insurance policy be removed from the record?

No, cancelled car insurance can not be removed from the record. In the UK, the Motor Insurers’ Bureau (MIB) holds the record for all incurred vehicles in the UK. It’s important to note that these records hold information on cancelled policies. An insurance provider uses this information to assess your risk and determines whether or not to offer you coverage.

What’s the difference between policy cancellation and non-renewal?

Insurance coverage and terminology can be a bit confusing for everyone. A policy cancellation is when the insurance provider chooses to discontinue the coverage mid-term. As mentioned, a cancellation may occur due to a number of different reasons, such as severe traffic violations or adherence to terms and conditions.

A non-renewal, on the other hand, is a bit different. Firstly, in a non-renewal, the insurance provider continues the coverage until the completion of the term. In addition, where a cancellation is a direct result of the driver’s actions, a policy number renewal may occur due to various reasons:

Problems the insurance company is facing

Provider choosing to discontinue their services

What is usage-based insurance (UBI) coverage?

Usage-Based Insurance (UBI) is a type of coverage offered by certain insurance providers. Unlike traditional policies, UBI premiums are calculated using vehicle telematics data. This data reflects your driving habits and behaviours, enabling insurers to better assess the level of risk when providing coverage. Examples of telematics used include:

Speed

Acceleration

Hard braking

Hard cornering

Miles driven

Idling time

Phone usage while driving

Do I need to get a tracking system for UBI coverage?

If you’re someone who is considering getting UBI coverage, you need to know that data for each of the factors mentioned above are transmitted via cellular, GPS, or other similar signals. Whether you need a separate device will depend on the vehicle you drive and the insurance provider.

Most modern vehicles come equipped with telematic tracking, so a separate device, in this case, might not be needed. However, your provider may still require the use of a separate device if the vehicle’s system doesn’t adhere to its tracking requirements.

Did you know?

According to analysis by LexisNexis Risk Solutions, approximately 1.3 million motor insurance policies are cancelled annually in the UK. That represents close to one-third (about 32%) of all new policies issued. Eamonn Turley, Founder of MultiQuoteTime.co.uk

How to compare cancelled car insurance at MultiQuoteTime.co.uk

Complete the Form: details about your business and cover required

Choose the level of cover: Third Party, Third Party with Fire and Theft, or Fully Comprehensive.

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Frequently Asked Questions

How should I find the best offer for me after policy cancellation?

There are a number of things you can do to find suitable coverage after policy cancellation. Firstly, when seeking insurance coverage, it’s better to go online and compare insurance quotes. This will help you find the most affordable option. In addition, you should also speak to multiple providers, explain why the previous policy was cancelled, and seek to avail discounts if possible.

Will my car insurance be affordable after policy cancellation?

Generally, the insurance policies you’re offered will be more expensive than the ones you’ve had cancelled. This is because a cancelled car insurance policy means that a carrier, at one point, determined that providing insurance to you is too big of a risk as you’re not a credible driver. However, opting for a usage-based policy may help you find affordable coverage.

Can I still get insurance after having my policy cancelled?

Yes, getting car insurance is still possible after having your policy cancelled and is a requirement. However, it’s important to note that some insurance providers may be a bit reluctant when offering coverage to those with prior policy cancellations. In addition, those offering that coverage may charge increased premium rates.

Can I take steps to reduce the cost?

Taking some basic steps can help you secure cheaper insurance. Examples include providing secure parking, installing approved security devices on your vehicle, or opting to pay your premium annually.