Some time ago on renewing buildings insurance, when asked about state of repair, I mentioned to my insurer (and another company I had asked to quote) a long standing crack in a detached outbuilding (not the house) which I said was stable and showing no movement. They said they wanted more information before quoting for the renewal/cover, and that they would refer to their underwriters. Before either made a decision I actually obtained a better quote elsewhere (with full disclosure, obviously). I wrote to the two companies saying that was the case, and that I did not want to pursue the applications with them. Some time on, I am now obtaining quotes for another completely unconnected house. I am being asked the standard question "have you ever been refused or declined insurance". My view is that neither company declined cover, as I withdrew the application before a decision was made (or at least notified to me). At the same time, they didn't actually offer me cover either! Can I safely answer "no" to the question about having insurance declined? Confused!