Op, first rule of MN, do not post on AIBU if you are trying to actually get help solving a problem. In between the odd helpful poster you’ll have 10 keyboard warriors telling you that it is all your own fault, you’re entitled, you have only yourself to blame and YABU. AIBU is a open door to a pile on.
you need to post on a more sedate legal forum. You’ll get a good discussion and some actually nuanced opinions on how to proceed.
logically, it makes no sense to imply you have an increased risk to other insurance companies because you were NOT driving or on the road as much as you expcted when you signed up to th box, as a learner driver aged 18.
you are not unreasonable to state this is bizarre, unfair, and illogical. YANBU to fight it as a particularly stupid insurance con to penalise you for someone else’s actions. I think folks here forgetting you were a learner, and therefore could not drive on your own. There are a million reason why a learner driver commits to lessons and hours per week and then doesn’t manage that. it’s not a fecking problem - it’s life, shit happens to get in way of having lessons you thought you’d have. You were in your dad’s hands. He let you down. But in truth he almost certain didn’t realise they’d be any implications to you other than a disappointed and disillusioned daughter either.
yanbu to expect that they would have given you fair warning of consequences. BUT point is if even they’d have warned you, as a learner there was FA you could do as it was your dad who was refusing. Most 18 year olds don’t have a pot of money they can simply book additional lessons with cos their dad’s a lazy sod. From that perspective the policy’s black box rules were designed to fail learners. How can anyone, even whose passed there test committ absolutely, on pain of being uninsurable in the future, thst they’ll drive a minimum of x miles per week. Even with professional instructor - you sign up to lessons and then driving instructors go on holiday, get sick, their car breaks down and a hundred other reasons why your lessons get cancelled.
This sounds very much like an unfair contract . Same as any other unfair contract where terms are so slanted in favour of the provider to make them uninforcable. Plenty of examples of thst- think back to covid and holiday lets with droves of holiday companies waving policies refusing refunds and then having to back down due to the ridiculously unfair terms where legal action was being threatened. And tons of other examples in all sorts of contract law.
Despite what the pompous, holier than tho poster here say about you should have known this at 18, that’s bollocks. That’s like the people who blame those who’ve been scammed with “you should have known”. Yeah, right, you’d have known at 18 the full legal consequences of a cancelled policy having just left school or being still at school? Like fuck they would. just as they’d all have known that insuring the car you’d been given in your own name as a learner isn’t always smartest given costs etc. 🤦♀️no they wouldn’t, they’re just enjoying being able to make you feel shitty and panic more and bigging up their own esteem
ignore these folks. There have been good suggestions so follow those and block out the other shit. Don’t give up hounding the insurance company (and hey post their name here- it might make the news and make them focus on who’s the villain here). The latest email sounds encouraging BUT you must get clarity that they did not refuse, and the policy was terminated due to lack of use NOT cancelled. And that they do not consider that they actually cancelled it in the sense of cancelling due a a perceived heightened risk
as final suggestion who to escalate it to, social media does sometimes work. Put it on their review page. Or multiple review pages. Facebook or instagram. They need good review - it’s a very competitive market.