ok cut a long story short, i had a multicar policy but it was £70 more than individually insuring the 2 cars so i switched using a compare site, big mistake

on my record i have a no fault claim in june 2013 which i declared, took out the policy and forwarded no claims etc. The insurance has now been declined a few days later, via email, ( wasn't due to start to the 15th ) as they have that declared incident which shows as june 1st on their system and another on the 27th same month ( this was the ACTUAL date but the comparison site only allowed month/year ) and they say i failed to inform them of the second accident even though there's only 1.

i contacted them and they wanted proof from my insurer at the time etc which to me was more hassle than it was worth, back and forth, so i said ill just stay with my current insurer as she'd already said my premium will be refunded and id have to start again. looking on the net i started to get concerned around this 'declined' bit so i rang them back. During the second call the call handler said its now cleared up, there's nothing on record about this.

now then, my question is, although Ive now sorted it out and they say there's now nothing on record about being declined as it was a mistake from the comparison site do i still have to tick the box to say Ive been declined insurance?

I got the impression from the second call handler that i didn't but he wouldn't use those words, he said '  we have nothing on record about declined insurance, i can only suggest you answer all questions truthfully when asked '

now was this a nudge nudge wink wink answer from him, is there any way others would know about this as once declined its a lifetime declaration and im rather stressed out about it and all because i used a comparison site

all this from an accident that wasn't my fault

I reckon you'll be fine going forwards but I'm sure an expert in the field will be here soon to confirm

Hi,

When your insurance is due for renewal please feel free to drop me a line. I'd be only too pleased to help.

Regards,

Dan.

This is sooooo familiar, we go on the compare sites and then call our chosen insurer. Get as much proof that we have declared in writing from the insurance company. We nearly got caught out like this when we needed the insurance after someone slammed into the back of us. Fortunately we found an email from the insurance company confirming what we had declared to them. It was a similar issue with dates of an incident.

Insurance companies are fickle to say the least and I do not trust any of them through bitter experience.

Got a letter today, it seems that the info this company uses takes its claim info from the CUE database  www.insurancedatabases.co.uk so i need to make sure what they hold is correct, i need to find out if any errors are corrected/done from my current insurer or if its something we can do

 

looking at their website, it seems wrong that a 3rd party site can have an influence on my premiums and equally disturbing when the info they hold on you is incorrect and yet you as the wronged party have to pay £10 to see what they hold on you to check its validity, guilty until proven innocent springs to mind here

The info they hold about me is wrong yet im penalized and have to prove everything, this just stinks more and more. As this gets used by more and more companies i can see trouble ahead for many people

for info the insurer i tried to use was Lloyds, not a small company by any means and certainly a name youd think you could trust

Edited 10 June, 201511 yr by the mad monk

You could try contacting the Financial Ombudsman Service about this.

http://www.financial-ombudsman.org.uk

What does cannot insure you due to licence type mean held full licence since 2003.

What does cannot insure you due to licence type mean held full licence since 2003.

What are you putting in? Full UK I'm assuming?

Yes never herd of it before