I just wanted to say a massive thank you for your help with this. I've been in touch with my present insurer and they agreed what happened didn't count as a cancellation as they meant it. So as i had to get a new policy anyway i did a quick price comparison search, called the best offer, explained the situation, and got a fantastic price! Although I've been paying a lot extra for the last few years, I'm happy to take that on the chin as it was a stupid thing to do anyway. Regarding how i had to ring up, I think I'll do the same for the next few years just to make sure the insurance companies are happy with it. Then in maybe 4-5 years or so I'll just do it online again, providing all goes well. In case you're interested, my original insurer was Sheila's Wheels, and the new policy with with Tesco's. Thank you again.

Thanks for your reply Right ok. It does sound unfair yes. It's a shame they don't do it in categories with the most serious kinds (involving fraud and deliberate non-disclosure) getting the lifetime thing. Although i know I've only got myself to blame. Just to make sure I've got it right then, the best way is to sort insurance out over the phone, explaining that a previous insurer cancelled a policy a few years ago because I didn't return documents in time. Is that right? I'm concerned that if they allow it but then don't make a note they could bring it up in the event of a claim. I wouldnt want to risk them saying i hadn't told them. I don't suppose there's any likelyhood of the original insurer revoking the decision after of a big grovely apology with official records to back up the problems I was having? I guess not but I thought it's worth asking.

Hi Can anyone give me some advice please? About 4 years ago I stupidly ignored requests from my car insurance company to send them some paperwork (even though i had it and could easily have done so). The end result of this was they cancelled my policy. Although I'd like to just clarify i never lied ot them or became late with any payment. I won't bore you with details but I was going though a very difficult time then and frankly couldn't care less about the consequences. I accept i just completely buried my head in the sand becuase i couldn't face sorting out a minor issue, and take full responsibilty for it. However, my life's now back on track and since then I've been declaring each year that i have had insurance cancelled, which has been costing me a fortune. My question is, do i have to do this forever, or is there a time limit? It seems a bit unfair if i still have to do this in 20 years and get lumped in with people who deliberately lied to their provider. Any help please? Many thanks