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Do I need to declare previously cancelled insurance if it doesn't appear on MIB/CUE?


xenoserpentine
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Longer story:

My licence was revoked in 2018, I declared it to my insurance company immediately and my insurance was cancelled. I got my licence back within a few weeks and got new, more expensive insurance.

 

I've done subject access requests to MIB/CUE and the cancellation does not appear on their database but a minor accident I had does.

Are there any other agencies I can check to see if there is a record of my cancelled insurance anywhere other than my previous insurer?

 

My insurance wasn't cancelled for the big three of non-payment, non-disclosure or fraud - I lost my licence due to 6 points for speeding within 2 years of qualification.

 

I'm awaiting a subject access request from the insurer at the time of cancellation to see what information they have and who they shared it with.

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Problem is Insurers ask a general question have you ever had Insurance cancelled.  

 

The cancellation you describe would not be noted on any central database.  But you would be best to speak to Insurers or a brokers to get quotes. Even if they would not take into consideration the cancellation, you have mentioned it.

 

Better to be safe and disclose it

 

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