Teen DD had notice of insurance cancellation

[Inastatus]

My DD has had notice from her insurer that her car insurance policy is due to be cancelled in 7 days time. She has a black box and apparently has driven over the speed limit 3 times since 23/8. I don’t know the full details of how fast/where etc yet because she is not home and they won’t tell me.

She is going to ring them when she gets in. I just wondered if anyone else has had this and if so, is it possible to appeal the decision to cancel?

Everything is always worth a try. But did she speed? If so and it’s in the Ts&Cs then I doubt there’s much you can do.

I'm pretty sure if they speed three times they cancel the insurance. You get a reduced insurance premium with a black box so the new premium will be a lot higher.

Also, when you take out new car insurance one of the questions they ask is whether you have ever had insurance cancelled, once again making the premium more expensive.

I would suggest that she cancel the insurance tomorrow, before they do. If they cancel it, her premiums for ever more will be higher.

Thats an expensive lesson for her, as pp said her insuran e will be a lot more expensive now

It's already set to cancel within 7 days.

Yes there is a question about if she has ever had insurance withdrawn for any reason on a new application so this will affect her next insurance too I’m afraid…

Big difference between her cancelling it, and the insurance company doing it. Bit like resigning before being fired 😉

some insider info from my mate in the industry.

speed limits can change, but the insurer’s system takes a few weeks to catch up. Especially if it was a temporary one for roadworks, that then got removed. We know of three drivers who got caught that way locally. It all got sorted and the insurers backed down once it was proven.

find out where it actually was, then check if there have been any changes recently

my point exactly!

This happened to my son recently - it actually was a temporary speed limit that had been lifted. He had to cancel himself in the 7 days before they cancelled it themselves. As long as you cancel before they do she doesn't have to declare it.

That's good news, young driver insurance is so expensive.

Hopefully op has sorted it all out now.

Thanks everyone. She phoned them and she is guilty as charged - did around 45 in a 40 on a few occasions. They are issuing a new quote for her - they wouldn’t give her one over the phone but said she’d receive it in a few days so don’t know what to expect. Wondering if it’s best to cancel before the 7 days as suggested as long as it’s not too late for that?

Just to clarify they are cancelling her black box insurance but are still considering insuring her under a new policy. Maybe I should wait for new quote before cancelling. If she renews with them then hopefully that will negate the cancellation situation?

but she’s not renewing with them; they’re cancelling her insurance and issuing her with new insurance.

you need to cancel it now before they do. And make her pay (at the very least) the difference in cost between the old and the new insurance policy.

I have worked in insurance for 20+ years.

if they cancel a policy you will have to answer ‘yes’ to ever having a policy cancelled which as standard refers and ends up in a decline to quote. You will find cover but it will end up ultimately being much more costly.

Cancel before they do.

I hope that you have managed to sort it all out now.

@JimmiChoux - not yet, I lay awake half the night worrying about it.

@Workinghardeveryday - are you sure she won’t have to declare that she has had a notice of cancellation to any new insurer - it’s only necessary to say something if the policy has actually been cancelled? I’m worried about cancelling the current policy if the insurers then refuse to quote her for a new one because we’ve cancelled, then not being able to get her insured elsewhere! Does she need to give a reason for cancelling (obviously don’t want to say it’s to avoid having to declare cancelled policy). Thank you so much for any advice you can offer.

Cancel the policy yourselves asap. Insure with a new company asap. It really isn’t any more difficult than that, sadly just more expensive but you’ll save ££££ in the long run.

@Foronenightonly01 - thanks. Maybe I’m just over- thinking things and worrying too much about new insurers finding out about the cancellation notice!

Is she lying awake worrying about it? I find young people (I have two) often dont seem to have an issue with something like this if someone else is paying. However if they need to pay its a completely different matter!

Both children did have a black box installed and I told them to be careful as it would be logging their speed. There wouldnt be much point if it didnt do anything! Told DH when he drove the car. They clearly listened because we didnt get anything like this but told me I was fussing over nothing!!

@urgen - I’m sure she wasn’t awake thinking about it but yes, she will be paying for the new policy from her savings!

I overthink and worry a lot too - so much easier to issue instructions across the internet💐. The fact your daughter’s been clocked 3 times already means you need to have a really stern chat with her too though - and they said kids got easier as they got older🙄.

@Foronenightonly01 - thanks 😊 Yes, we’ve had v stern words and I think the seriousness of it all has sunk in. She was v upset and apologetic last night. I hope this has taught her a big lesson!

I had a lot of problems trying to get insurance after declaring I had a previous cancelled policy
Driving 14 years, 10yr NCD but when I ticked the cancellation box most quotes disappeared and only left really costly ones.

Have they already cancelled the policy? Or can you get away with cancelling it before they do so as not needing to declare this when finding the next insurer?

Obviously taking out a policy starting the same day will increase the policy too whereas not starting it for eg. 30 days later would be less so that'll also be an additional to look out for