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Car insurance cancelled - will I get charged?

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I have recently moved so didn't get my renewal documents. I have been a bit sloppy with my emails as well unfortunately. I received a text today from my car insurance co asking me to call them urgently which I did right away. It was from the collections department.



They told me my card had bounced so they was unable to collect my premium. They had subsequently spent ten days trying to contact me to no avail so my policy had been cancelled. They told me I had to start a new policy which I have done and paid in full. I did this all at the office whilst at work and was panicking that I wouldn't be able to drive home.



I have subsequently came home and started to research my situation. It seems I should have tried harder to reinstate my policy and I also didn't declare that I had had insurance cancelled when filling in the form. I'll call them tomorrow to correct this mistake.



I want to know whether it is likely I can get the policy reinstated? I have been with that insurance company for several years, not that will count for anything I'm sure. Also, will the authorities catch up with me for the time I have spent uninsured? I'm worried I will be punished for not having any insurance.



Any advice/opinions appreciated




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Panic over ! . You did not have a policy cancelled. The auto renewal failed due to a card problem and you instead too out a new policy. The temporary period without Insurance won't be picked up by DVLA or anyone else.


Cancelled insurances that need to be declared are where policies are cancelled by Insurers due to significant issues e.g undeclared claims, fraud, other non disclosure. You don't have to declare policies lapsed at renewal or cancelled at renewal due to payment issue. If people had to do that, then most people who have ever had Insurance would be disclosing cancelled policies.

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