If you’ve had a car insurance policy cancelled, refused, declined or voided by an insurer, getting new insurance can be difficult.
We understand that not all policies are cancelled due to deliberate fraud – mistakes happen and this can have unwanted repercussions later on. If other insurers have refused you car insurance, or a previous policy was ended due to non-payment, non-disclosure or any another reason, ask us for a quote. We’ll use our experience of “higher risk” drivers to help you get affordable cover.
Click for an online quote or speak to our expert team on 0344 557 1329.
Here are some potential reasons for an insurer to cancel your car insurance:
- Not disclosing penalty points on your licence.
- Neglecting to tell your insurer about modifications to your vehicle
- Failing to disclose unspent convictions, including non-motoring convictions
- Fronting – when you add someone as a named driver when they are really the main driver. This is a form of insurance fraud.
How long does cancelled insurance stay on record?
For cancelled policies there isn’t a set time limit like there is for convictions; some insurers may only ask about your insurance history over the previous five years, others may require you to disclose details over a longer period.
Click for an online quote or speak to our expert team on 0344 557 1329.
FAQs
Your insurer can void your policy if they believe you purposely did not disclose important information. They may suspect that you tried to make a fraudulent claim. A policy that has been made void will be invalid from the start date, as though it never existed, so any claims in progress will be rejected.
What is cancelled vs voided insurance? ›
Cancelled car insurance policies are those that have been terminated before they were due to expire. Voided car insurance policies are those that have been declared null and void from the policy start date. Under these circ*mstances, cancellation provisions may not apply.
Have you ever had insurance declined? ›
Declined car insurance means an insurer has refused to cover you. You might not have met the criteria for the policy, or they might know about misdemeanours in your past and see you as too much of a risk to insure. You could be declined car insurance for a new policy or a renewal for an existing one.
What does it mean when insurance is void? ›
If your policy gets voided, it means it was never valid in the first place. This could happen if you lied about certain things on your on your insurance application to get a cheaper policy, such as your: Job title. Claims record.
Is it hard to get insurance after being cancelled? ›
Besides facing higher rates, it's also possible that it will be more challenging to find insurance if you've let your policy lapse. Letting your policy lapse is one sign to insurers that you're a high-risk driver.
What is the difference between voided and canceled? ›
While both checks are unable to be used, a canceled check is one that has been paid by a financial institution. A voided check is one that you, the account holder, has written the word “void” on to make sure the check is not used to transfer funds.
What does void and cancel mean? ›
Void - A void can be performed the same day that an order came in. The payment gateway will delete the transaction, the buyer will not be charged and there will be no transaction fee's to pay. 2. Cancel - A cancellation is performed when a buyer or seller asks for an order not to be shipped.
Which condition voids an insurance policy? ›
If the insurer finds that a material misrepresentation was made in the application that would have affected the insurer's decision to issue the policy, the carrier may void the policy.
When can an insurance policy be voided? ›
There are only three reasons an automobile policy can be canceled/non-renewed once it is issued: Fraud/material misrepresentation; Non-payment of premium; or.
What is considered a voided claim? ›
Voided Claim: A claim that was originally paid, and then later was canceled and the payment taken back.
It depends. Some insurance companies will allow you to reinstate your policy if it gets canceled, while others will not. If your existing provider will not reinstate your auto policy, you will have to apply for coverage through another insurer or have your current insurer issue a new policy, if possible.
Can other insurance companies see if you had insurance Cancelled? ›
Delaney Simchuk, Car Insurance Writer
Insurance companies don't check if you had your former insurance policy cancelled, but they do ask you if you've ever had a policy cancelled or voided. Some insurance companies require you to disclose insurance details from the last 5 years or more.
Why is my car insurance charging me after I cancelled? ›
Because you'll continue to get invoiced for that premium and if not paid, it will eventually go to a collection agency. And that's NO fun. Just make a clean break of it, and save yourself a lot of trouble.
What does it mean when your insurance policy is Cancelled? ›
On the other hand, an insurance cancellation means that your policy is canceled at any time other than the renewal date. Cancellations can only happen for very specific reasons. Once you purchase a policy, the insurance company usually has 60 days to decide not to offer you long-term coverage by issuing a cancellation.
What does it mean when a claim is voided? ›
Voided Claim: A claim that was originally paid, and then later was canceled and the payment taken back.
What is the difference between cancellation and termination of insurance policy? ›
Answer: Cancellation occurs during the active life of the policy (i.e., cancellation for non-payment of the premium). Termination occurs when a policy runs its course and is not renewed.
What does void mean on insurance card? ›
Void means without legal effect; unenforceable. A number of actions on the part of the insured can render coverage under an insurance policy void.
