Hi Got a quote for home insurance a little while ago. Really want to go with this provider for price/coverage. Yesterday my partners bike was pinched from where it was locked up at the side of the house. Its really old, worth peanuts (50 quid maybe) and i have no intention of claiming for it on my current policy Against my advice however she reported this theft to the police and got a crime ref number, just as a reaction in anger i suppose. She has no intention of claiming for it either. Problem is I've now gone to accept the quote I've had for my new Contents insurance and notice a question about whether there have been any "household losses" in the last six years, claimed for on insurance or otherwise. If i tick yes even on a value of 50 quid the premium goes up over 100 pounds a year. Any thoughts on whether this will apply to the reported theft of this 50 quid rustbucket or can i safely leave it unchecked thanks

thanks for replies so far. I must admit if this is the case i find it outrageous that a company can cancel such an important thing as car insurance without ensuring that i knew, especially when they had no need to do so (i had sent my no claims proof to them). Imagine if i had had a crash?! I have three points for a relatively minor speeding offence (36 in a thirty limit) 3 years ago. This is the only endorsement on my license in 20 years of motoring...... If i get any points for this at all i thinks its a disgrace. I've spent £200 + already retrieving my car and paying extra insurance premiums top get the car out. Now my premiums for future years will almost certainly go up dramatically and i've already discovered that many insurance companies are unwilling to insure people who have had their insurance cancelled. Surely i have some recourse to the insurance company for doing this? In answer to your question RK08, I think it was a regular panda car, but can't be sure. He had a computer on the dashboard that flashed up my details and a large "no insurance" indicator. He approached me at a petrol station in the middle of a city, much to my suprise.

Hi I took out car insurance mid 2007 and paid my premium up front, received all policy documents etc and have been driving my car ever since thinking i was covered. The other day i was stopped by the police who accused me of having no insurance! To cut a long story short, the insurance company had cancelled my policy two months into the year for alleged non-receipt of no claims discount proof (i did send it, but can't prove this) They claim to have sent a recorded delivery letter informing me of their intention to cancel, but i never received it. They have admitted this verbally, telling me it was returned to them a month later as i never collected it from the sorting office. Unfortunately i'm not psychic and never had anything through the door telling me a letter had had attempted delivery. The insurance company tell me it's not their problem and i should take it up with the post office! They have two phone numbers for me and an email address too but never let me know. My car was impounded because of this (now retrieved at great expense and worry after getting new insurance cover out) and i was cautioned by the police for lack of insurance and am likely to get a court summons where i could potentially get banned from driving! The company did pay some money back onto my credit card when they cancelled, but it wasn't the whole premium (or even a proportionate amount) and i didn't notice this at the time sadly. Does anyone have any advice on how i proceed with the legalities of this and attempting to get compensation from the insurer for doing this? thanks in advance