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Original poster

Cancelled insurance help

29 replies

Muddledupzekey · 16/07/2025 22:12

I recently done a quote on a comparison site and added a named driver.
I got a quote and paid for the full year around 2 week before my insurance was due to start.
7 days before my insurance was to start I got an email saying they had concern about my named driver having previous cancellation which I did not know of, and that they have decided to cancel my policy in 7 days. I spoke with the insurers telling them I am unaware and that the named driver is saying they are unaware of any previous cancelation.
I cancelled the policy that day after receiving the email 7 days before it was due to start as it was the only thing i thought i could do, i panicked as it was so close to my existing insurance running out. I am worried about this genuine mistake affecting my future insurance. I even put on the quote the accident my named driver had In 2023 as I was aware of this so fully disclosed it.
Does anyone know where I stand. I worried sick about future insurance coverage and high premiums over something I did not know. I wish I never added my named driver to the policy and feel like I am paying for it for the rest of my life

OP posts:
Original poster
Muddledupzekey · 16/07/2025 22:53

I am planning to not put my named driver on my insurance now but still I dont know if I would have to declare that I have now had a cancelled policy which when I have looked for insurance declaring this cancellation I am not finding ma y insurers accepting me and it's gone up about £300. I just dont want a genuine mistake affecting me for life as when I look it up it says I have to declare it for the rest of my life

OP posts:
LIZS · 16/07/2025 22:49

Can you not take out a policy without your named driver while they try to resolve the issue? There may be a question about if you have ever been refused a policy so continuing with your existing insurer may get around that

Original poster
Muddledupzekey · 16/07/2025 22:35

This is the email I recieved:

We have checked your insurance policy and are writing to you because we have some concerns with your policy.

What concerns do we have?

We have been told that your named driver has had an insurance policy either cancelled or voided by an insurance company. Had we known this information, we would not have given you this policy.

What is going to happen?

Because of the above, we have decided to cancel your insurance policy. We are doing this in-line with your policy’s terms and conditions by giving you at least 7-days written notice. Your policy will be cancelled on 22/07/2025.

When we cancel this policy:

  • If you are eligible for a refund, this will be given to you, and paid back to the same payment details that you gave us when you took out this policy. To check whether you will be eligible for a refund, please check your policy documents.

  • You will not be able to take out any new insurance that are underwritten by U K Insurance Limited for the next 6-years. For more information on what other insurance companies are underwritten by them, please visit their website: https://u-k-insurance.co.uk/brands-policy.html

  • Any other existing insurance policies that you hold or are insured on with U K Insurance Limited may also be reviewed and potentially cancelled.

  • The policy will be cancelled based on the information currently available to us. If we receive a notification of a claim, or if any more information comes to light, we reserve the right to re-review your policy. This next review might lead us to void your policy, which means it will be cancelled back to its start date and we would treat the policy as if it never existed.

  • We reserve the right to notify the relevant authorities, and we may share details of this matter with fraud prevention agencies which may negatively affect your ability to get financial products and services in the future.

If you would prefer, you can cancel this policy before we do. If you cancel this policy, please be aware that the above points will still be applied, but in addition you may be charged a cancellation fee. Details of any fees can be found in your policy documents

My policy was due to start on the 22. 07. 2025 the date which they say they were cancelling it. So it hadn't started yet.

my named driver has contacted churchill which they are saying was the broker for the previous cancelled insurance and they have passed it on to the fraud department to look in to.

I havent renewed with my current insurer as they put my insurance up due to my number plate given falsely and had a claim redirected off my account a couple of weeks ago after them reviewing footage proving it was not my car involved. I have had a headache this past year with insurance 😕

OP posts:
Yabberwok · 16/07/2025 22:20

So they said they were cancelling the policy on the day it was due to start or did they word it another way? That could be important. Have you renewed with the existing insurer?

Based on not knowing this (and not having worked in insurance for many years but being professionally qualified and having run a motor fraud department) I would suggest that the named driver contacts the insurance company who declined/cancelled whatever and ask for details of the cancellation information and investigate from there.

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