Insurance help

[camdenn]

Mainly posting for traffic.

I took out home insurance last month, but cancelled the policy immediately as I noticed it did not include insurance against theft. I just assumed it did.

now I’m trying to take out a new policy to meet my needs. Do I need to disclose this cancellation? I’ve done so just now but apparently no one will insure me, seems a bit heavy handed if I cancelled the old policy immediately?

Are they not asking if the company cancelled your insurance rather than you doing it?

It's "have you ever had insurance cancelled " not have you ever cancelled insurance

I think you are maybe declaring this wrong. I think it is when an insurance company has cancelled your insurance you need to declare. If in doubt give them a call.

Thank you!!

Usually the question is 'have you had an insurance policy cancelled mid term' etc and they're trying to confirm if you've ever broken the t&cs of a policy to the point a company has terminated your cover.

Most insurances come with a cooling off period where you can cancel at any time and you can't be penalised for that.
I would double check the question OP - good luck!

It’s this:

Maybe I’ve misread it, just don’t want them to not accept any future claim in case of this haha

You haven't had insurance cancelled, you have cancelled insurance.

Got it - thank you. What a relief

Yes you've misread it. It's asking about the company refusing or cancelling your insurance not about you cancelling it.

Just a quick question- should I just get the cheapest provider or is there any reason to go for a more expensive provider that offers the same coverage?