House Insurance cancelled for bounced DD payments, Do I have to declare?

[bextar]

Hi I wonder if you can help?

 

I had house contents insurance out with the Post Office and it was a happy relationship. In a nutshell, I got very ill for about 9 weeks, was bed bound unable to do anything and unbeknown to me my DD's didnt go through as I had taken my eye off the ball. (usually if one account is running low I top it up from another) This I was unable to do due to being so ill.

 

Because my DD's didnt go through the Post Office cancelled my policy. Today the minute I opened my letters regarding this, I called them to ask them to continue my policy and would pay any shortfall. Basically they said they couldnt do that and re took all of my details, now including cancellation and they came up with they couldnt insure me again

 

I have been online and done all the usual compare sites and I am left with 4 quotes of companies that will insure me, out of hundreds and all of them are ridiculous prices.

 

Am i going to have to declare cancellation of policy to every insurer now for ever and a day and if this was home insurance, would it affect my car insurance.

 

Cant believe all of this is happening becasue I have been ill.

 

Hope someone can help

 

Thanks:-D

[honeybee13]

Hello there. I'm not a forum expert, hope they will look in later. I hope you wouldn't have too much of a problem because you didn't lie to the Post Office, just got a little lax with your banking for once.

 

Let's see what the guys can suggest.

 

My best, HB

[unclebulgaria67]

No, you do not need to declare cancellations due to payment issues.

 

Cancellations you need to declare are where you are informed in writing that the Insurers have cancelled due to non disclosure, fraud or too many claims.

[bextar]

Thanks for your support Honeybee, I hope the same too. Fingers crossed. xxx

[bextar]

Hi Unclebulgaria (by the way I loved the wombles and wish they were still around).

 

I thought the same but I am going to paste some information from the comparison sites so you can see why I am worried. "You or any other person living in the home have never had insurance refused, withdrawn or had insurance subject to special terms or extra precautions imposed"

 

Do you know Uncle where I could get a definate clarity in wording about this before rushing ahead to take my cheapest quote? One of the other compare insurer's specifically asked the question of cancelled policy and had a drop down box and I was able to chose unpaid policy, this then out of 150 ish insure left me with 2 that would insure me at 10 times the price I used to pay.?? Any advice is greatly appreciate.

 

xxxxxx Bex

[unclebulgaria67]

If you feel better declaring a cancellation due to missed payments that is your choice. I wouldn't bother personally.

 

Normally when Insurers cancel, it is only those where non disclosure and fraud has occured, where the policyholder is made aware they have to declare it on all future Insurance arrangments. I held responsibility for deciding on such cancellation for a top 10 Insurers, so I have a understanding of the issue.

 

If a comparison site asks about cancellation due to payment issues, I would suggest that you check with the Insurers you decide you want to go with. Give them a phone call to check.