Thanks I wll give the brokers a call in the morning. Te insurers or underwriters were never availableto talk when I called and never returned calls I probably didn't pursue it as vigorously as I should as I did feel guilty about not disclosing the 3 points but now feel the punishment far exceeds the "crime"

but in their eyes I had deceited them in obtaining my 2010-11 policy Howeve my broker did indcate they would have not allowed me to renew as I had my wie (provisional driver) on the policy and this was something they no longer wished to do. Therefore a good " excuse " to terminate my policy. Surely they would have known the knock on effects of the cancellation.

I had an accident in April and though nothing of processing my claim as the third party admitted liability. However after much debate my insurance company announced that my policy was invalid as I had failed to declare a non fault clam from 3 years ago. I checked my insurance policy and noted it was not on there however it was the previou year. Same broker same insurance company. When I renewed I just let my policy run. I understand it was my responsibility to check but I feel very let down. Admittedly I did have a 3 points penalty after my renewal which I hadn't informed them of. I did't really think about it. They subsequenty refused to process my claim and worse still they cancelled my polcy. I don't have a problem with the claim as I am dealing directly with her insurance company but I am haing a nightmare trying to get insurance for my new car. Most companies will not touch me as soon as I tick the box saying cancelled policy and the only company I can get is quoting over £1000 up from £200. I have 5 years no claims bonus and buying a modest car. This seems really harsh considering it is a honest mistake andwas not done in any way to defraud anyone. Does anyone know ho best I can go about getting decent priced car insurance