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tango123

Insurance cancellation - advice required.

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I had motor insurance cancelled by car insurer several days before it was due to start because they said I did not meet the underwriting criteria. They refunded the policy.

 

I was worried about needing to declare the cancellation to other insurers in the future which would greatly increase premiums. The insurer however told me the cancellation did not need to be declared to other insurers. The advised that the information would not be shared with any databases for other insurers, so other insurers would be unaware.

 

However some time later I checked the MIB MID and lo and behold the policy details were in fact registered there with the policy start date showing as the date it was originally supposed to start and ending on the same day.

 

I complained to the said insurance company who are now refusing to have the policy details removed from MIB despite their prior assurances that the policy details would not be shared.

 

Do I need to declare the cancellation to other insurers despite what the insurer is saying and also how do I get this entry in the MIB removed?

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No you don't need to declare cancellation.

 

The MIB entry was simply to register the car being Insured from the start date and that it had ended.

 

So you can simply just arrange alternative Insurance.

 

Many people misunderstsnd the question in regard to cancellation. The question is whether you have ever had insurance cancelled. What Insurers really mean by that is that you have had an insurance cancelled because Insurers believed you had deliberately given wrong information, there was an attempt to commit fraud or you failed to disclose information so could not be trusted.

 

As long as Insurers have confirmed in writing that you do not need to declare cancellation, then you are safe not to mention it to other Insurers.


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