Insurance cancelled
Discussion
So I had a policy for a GSXR125 with “insurance”
I wanted to buy and insure a zx6r, so I ran quotes and my current insurance provider was offering competitive quotes.
So I call my insurer to swap over the bikes,
Insurer “we can’t provide cover”
Me - “ but here is the quote reference number saying you will”
Insurer “ you will have to take out the new policy for the Zx6r and cancel the policy for the GSXR125
So annoying I lose a few months NCB but accept it as I just want the new bike so I take out a new policy and cancel the existing policy
Problem- I have just received an email stating they have had to cancel my policy due to them being unable to provide cover- this is for the 125 policy which I have cancelled.
I just called them to clarify if that meant I would have to declare the “have you ever had insurance refused or cancelled on future policy’s, and there answer was yes I would have to.
Three things here
1- I cancelled the policy myself, not them
2- they would provide cover for my gsxr125 as I already had the policy
3- they would provide cover for the zx6r, as they not only quoted, but I have taken the policy out with them!
Surely this cannot be right, can it?
He said an option I have, since I still have possession of my gsxr, is to reinstate the policy, and that considering it would be reinstated the same day as it was cancelled this would be ok and I wouldn’t have to declare anything as it didn’t happen, but technically it was cancelled and an email was issued?
They won’t provide written confirmation that if I do reinstate the policy I won’t have to declare anything
I wanted to buy and insure a zx6r, so I ran quotes and my current insurance provider was offering competitive quotes.
So I call my insurer to swap over the bikes,
Insurer “we can’t provide cover”
Me - “ but here is the quote reference number saying you will”
Insurer “ you will have to take out the new policy for the Zx6r and cancel the policy for the GSXR125
So annoying I lose a few months NCB but accept it as I just want the new bike so I take out a new policy and cancel the existing policy
Problem- I have just received an email stating they have had to cancel my policy due to them being unable to provide cover- this is for the 125 policy which I have cancelled.
I just called them to clarify if that meant I would have to declare the “have you ever had insurance refused or cancelled on future policy’s, and there answer was yes I would have to.
Three things here
1- I cancelled the policy myself, not them
2- they would provide cover for my gsxr125 as I already had the policy
3- they would provide cover for the zx6r, as they not only quoted, but I have taken the policy out with them!
Surely this cannot be right, can it?
He said an option I have, since I still have possession of my gsxr, is to reinstate the policy, and that considering it would be reinstated the same day as it was cancelled this would be ok and I wouldn’t have to declare anything as it didn’t happen, but technically it was cancelled and an email was issued?
They won’t provide written confirmation that if I do reinstate the policy I won’t have to declare anything
Edited by usn90 on Monday 28th October 13:40
usn90 said:
So I had a policy for a GSXR125 with “insurance”
I wanted to buy and insure a zx6r, so I ran quotes and my current insurance provider was offering competitive quotes.
So I call my insurer to swap over the bikes,
Insurer “we can’t provide cover”
Me - “ but here is the quote reference number saying you will”
Insurer “ you will have to take out the new policy for the Zx6r and cancel the policy for the GSXR125
So annoying I lose a few months NCB but accept it as I just want the new bike so I take out a new policy and cancel the existing policy
Problem- I have just received an email stating they have had to cancel my policy due to them being unable to provide cover.
I just called them to clarify if that meant I would have to declare the “have you ever had insurance refused or cancelled on future policy’s, and there answer was yes I would have to.
Three things here
1- I cancelled the policy myself, not them
2- they would provide cover for my gsxr125 as I already had the policy
3- they would provide cover for the zx6r, as they not only quoted, but I have taken the policy out with them!
Surely this cannot be right, can it?
He said an option I have, since I still have possession of my gsxr, is to reinstate the policy, and that considering it would be reinstated the same day as it was cancelled this would be ok and I wouldn’t have to declare anything as it didn’t happen, but technically it was cancelled and an email was issued?
They won’t provide written confirmation that if I do reinstate the policy I won’t have to declare anything
A bit confusing I'm afraid. You say they I wanted to buy and insure a zx6r, so I ran quotes and my current insurance provider was offering competitive quotes.
So I call my insurer to swap over the bikes,
Insurer “we can’t provide cover”
Me - “ but here is the quote reference number saying you will”
Insurer “ you will have to take out the new policy for the Zx6r and cancel the policy for the GSXR125
So annoying I lose a few months NCB but accept it as I just want the new bike so I take out a new policy and cancel the existing policy
Problem- I have just received an email stating they have had to cancel my policy due to them being unable to provide cover.
I just called them to clarify if that meant I would have to declare the “have you ever had insurance refused or cancelled on future policy’s, and there answer was yes I would have to.
Three things here
1- I cancelled the policy myself, not them
2- they would provide cover for my gsxr125 as I already had the policy
3- they would provide cover for the zx6r, as they not only quoted, but I have taken the policy out with them!
Surely this cannot be right, can it?
He said an option I have, since I still have possession of my gsxr, is to reinstate the policy, and that considering it would be reinstated the same day as it was cancelled this would be ok and I wouldn’t have to declare anything as it didn’t happen, but technically it was cancelled and an email was issued?
They won’t provide written confirmation that if I do reinstate the policy I won’t have to declare anything
"had to cancel my policy due to them being unable to provide cover."
Is this the new policy?
Freddie Fitch said:
A bit confusing I'm afraid. You say they
"had to cancel my policy due to them being unable to provide cover."
Is this the new policy?
I had a policy with the company insuring Bike 1, I wanted a new bike, bike 2."had to cancel my policy due to them being unable to provide cover."
Is this the new policy?
So I ran some quotes and my current insurer was the most competitive.
So I call them to swap the policy from bike 1 , over to bike 2
On the call they said they couldn’t cover me on bike 2, so they couldn’t swap the bikes over, BUT because they advised me that they would cover me on bike 2 on a new policy then I should
Take out a new policy on bike 2
Cancel the policy on bike 1
So yesterday during the call I took out the new policy for bike 2, and this morning I called to cancel the policy for bike 1
I then received this email
I called to ask if that means I would have to declare on future quotes “have you had cover refused or cancelled”
To which there reply was yes
I can’t see how this is fair, because it was me who cancelled, not them, and they would cover me for bike 1 and 2 because I have a policy with them for the new bike
and this was there own recommendation, at no point did they say I’d have to declare the cancellation or refusal
Edited by usn90 on Monday 28th October 11:47
If you've taken out a new policy for bike 2, using your NCD, that can't be concurrent with using that same NCD on bike 1's policy.
Or there is some other reason for them not wanting you to have two concurrent policies.
The quore provided for each bike may have been based on the 'key fact' of it being your only bike.
The NCD seems the most likely explanation.
I think the OP is owed an explanation from the insurer.
It could just be confusion, they maybe assumed it was a change of bike not an additional bike?
Or there is some other reason for them not wanting you to have two concurrent policies.
The quore provided for each bike may have been based on the 'key fact' of it being your only bike.
The NCD seems the most likely explanation.
I think the OP is owed an explanation from the insurer.
It could just be confusion, they maybe assumed it was a change of bike not an additional bike?
It won’t be anything to do with NCD as I have none (new rider this year)
And the email was received an hour after I called to cancel
When I called them back to question they said it was because I cancelled the policy due to them being unable to provide cover, I’ve explained why that is ludicrous above.
It went as far as the guy saying I was being unfair for disputing the situation
And the email was received an hour after I called to cancel
When I called them back to question they said it was because I cancelled the policy due to them being unable to provide cover, I’ve explained why that is ludicrous above.
It went as far as the guy saying I was being unfair for disputing the situation
- Yes I had cover one bike 1 since June 2024
-Gained my full licence last week, wanted a new bike so ran some quotes, my current insurer was the most competitive
- called my insurer yesterday to swap bike 1 for bike 2, insurer said they wouldn’t be able to provide cover for bike 2, I gave them the quote reference (which was a little cheaper in premium than my bike 1 premium) , went through the detail's and confirmed everything was above board.
- the insurer advised that I should take out the new policy for bike 2, and cancel the bike 1 policy, he couldn’t give me an explanation for having to take out a new policy, anyway I taken out the new policy for bike 2 yesterday, I ran out of time to be transferred to the other department to cancel the policy for bike 1 as they were closing.
-This morning I called to cancel the policy for bike 1
- an hour later I then receive the email above, bike 1’s policy, the wording of which had me questioning if I would have to declare this in future quotes, so I called them back to ask the question, there response was yes I would have to, he confirmed bike 2 is covered.
-So It was me who cancelled bike 1 policy not them,
- and the only new details for which they state they can’t cover, is bike 2, which by all accounts they can and are covering on a new policy.
I’m reluctant to ignore, because I’m aware you have to declare this for life, and not a set amount of years, I don’t want to me in a situation in “X” number of years, where this comes up and I have no defence.
-Gained my full licence last week, wanted a new bike so ran some quotes, my current insurer was the most competitive
- called my insurer yesterday to swap bike 1 for bike 2, insurer said they wouldn’t be able to provide cover for bike 2, I gave them the quote reference (which was a little cheaper in premium than my bike 1 premium) , went through the detail's and confirmed everything was above board.
- the insurer advised that I should take out the new policy for bike 2, and cancel the bike 1 policy, he couldn’t give me an explanation for having to take out a new policy, anyway I taken out the new policy for bike 2 yesterday, I ran out of time to be transferred to the other department to cancel the policy for bike 1 as they were closing.
-This morning I called to cancel the policy for bike 1
- an hour later I then receive the email above, bike 1’s policy, the wording of which had me questioning if I would have to declare this in future quotes, so I called them back to ask the question, there response was yes I would have to, he confirmed bike 2 is covered.
-So It was me who cancelled bike 1 policy not them,
- and the only new details for which they state they can’t cover, is bike 2, which by all accounts they can and are covering on a new policy.
I’m reluctant to ignore, because I’m aware you have to declare this for life, and not a set amount of years, I don’t want to me in a situation in “X” number of years, where this comes up and I have no defence.
Edited by usn90 on Monday 28th October 13:21
What they have advised me to do, is because I have bike 1 still in my possession, then I should have them reinstate bike 1’s policy, and then cancel it when I sell it ( it’s currently advertised)
However what he won’t do, is provide me written proof that this mess is a mistake and can be ignored and won’t need to be declared.
However what he won’t do, is provide me written proof that this mess is a mistake and can be ignored and won’t need to be declared.
paintman said:
Looking at the timeline you give it seems to me that you've cancelled the policy & they've sent you an email confirming that it has been cancelled & why.
Yes, but why should I have to declare I’ve had insurance refused and cancelled for the rest of my life? We all know the consequences of this.1- I haven’t had anything cancelled on me, as it was me who cancelled it, on their recommendation to!
2- I don’t quite comprehend why I have to declare the cover refusal, considering they quite happily are supplying the cover on a new policy
I know it may seem like something is fishy and I’m keeping something back, but there isn’t anything, how I’ve detailed the situation is how it is, the company themselves aren’t even arguing otherwise, except they had stated this will need to be declared, and looking at points 1 and 2 in this post, I’m struggling to fathom why
Confusing but I believe this is a simply version.
Bike 1 insured
Bike 2 new insurance policy taken why bike 1 policy still running
Bike 1 insurance cancelled by customer
Bike 2 insurance cancelled by insurance company
The insurance company presumably found some reason why they could not insure you on Bike 2, which they told you when you tried to change Bike 1 policy to Bike 2 and were refused. The reasons behind that no-one other than the insurance company know. If you do not like their decision, follow their complaints procedure, if that doesn't get a fair result, follow the Ombudsman procedure.
Bike 1 insured
Bike 2 new insurance policy taken why bike 1 policy still running
Bike 1 insurance cancelled by customer
Bike 2 insurance cancelled by insurance company
The insurance company presumably found some reason why they could not insure you on Bike 2, which they told you when you tried to change Bike 1 policy to Bike 2 and were refused. The reasons behind that no-one other than the insurance company know. If you do not like their decision, follow their complaints procedure, if that doesn't get a fair result, follow the Ombudsman procedure.
zedx19 said:
Confusing but I believe this is a simply version.
Bike 1 insured
Bike 2 new insurance policy taken why bike 1 policy still running
Bike 1 insurance cancelled by customer
Bike 2 insurance cancelled by insurance company
The insurance company presumably found some reason why they could not insure you on Bike 2, which they told you when you tried to change Bike 1 policy to Bike 2 and were refused. The reasons behind that no-one other than the insurance company know. If you do not like their decision, follow their complaints procedure, if that doesn't get a fair result, follow the Ombudsman procedure.
Please don’t take this as I’m coming across arrogant as I’m genuinely not, I’ve tried to explain it the best I can over a number of posts.Bike 1 insured
Bike 2 new insurance policy taken why bike 1 policy still running
Bike 1 insurance cancelled by customer
Bike 2 insurance cancelled by insurance company
The insurance company presumably found some reason why they could not insure you on Bike 2, which they told you when you tried to change Bike 1 policy to Bike 2 and were refused. The reasons behind that no-one other than the insurance company know. If you do not like their decision, follow their complaints procedure, if that doesn't get a fair result, follow the Ombudsman procedure.
usn90 said:
- Yes I had cover one bike 1 since June 2024
-Gained my full licence last week, wanted a new bike so ran some quotes, my current insurer was the most competitive
- called my insurer yesterday to swap bike 1 for bike 2, insurer said they wouldn’t be able to provide cover for bike 2, I gave them the quote reference (which was a little cheaper in premium than my bike 1 premium) , went through the detail's and confirmed everything was above board.
- the insurer advised that I should take out the new policy for bike 2, and cancel the bike 1 policy, he couldn’t give me an explanation for having to take out a new policy, anyway I taken out the new policy for bike 2 yesterday, I ran out of time to be transferred to the other department to cancel the policy for bike 1 as they were closing.
-This morning I called to cancel the policy for bike 1
- an hour later I then receive the email above, bike 1’s policy, the wording of which had me questioning if I would have to declare this in future quotes, so I called them back to ask the question, there response was yes I would have to, he confirmed bike 2 is covered.
-So It was me who cancelled bike 1 policy not them,
- and the only new details for which they state they can’t cover, is bike 2, which by all accounts they can and are covering on a new policy.
I’m reluctant to ignore, because I’m aware you have to declare this for life, and not a set amount of years, I don’t want to me in a situation in “X” number of years, where this comes up and I have no defence.
27/10 Bike 1 insured -Gained my full licence last week, wanted a new bike so ran some quotes, my current insurer was the most competitive
- called my insurer yesterday to swap bike 1 for bike 2, insurer said they wouldn’t be able to provide cover for bike 2, I gave them the quote reference (which was a little cheaper in premium than my bike 1 premium) , went through the detail's and confirmed everything was above board.
- the insurer advised that I should take out the new policy for bike 2, and cancel the bike 1 policy, he couldn’t give me an explanation for having to take out a new policy, anyway I taken out the new policy for bike 2 yesterday, I ran out of time to be transferred to the other department to cancel the policy for bike 1 as they were closing.
-This morning I called to cancel the policy for bike 1
- an hour later I then receive the email above, bike 1’s policy, the wording of which had me questioning if I would have to declare this in future quotes, so I called them back to ask the question, there response was yes I would have to, he confirmed bike 2 is covered.
-So It was me who cancelled bike 1 policy not them,
- and the only new details for which they state they can’t cover, is bike 2, which by all accounts they can and are covering on a new policy.
I’m reluctant to ignore, because I’m aware you have to declare this for life, and not a set amount of years, I don’t want to me in a situation in “X” number of years, where this comes up and I have no defence.
Edited by usn90 on Monday 28th October 13:21
27/10 Bike 2 insured on new policy (insurers recommendation)
28/10 Customer cancels bike 1 policy (insurers recommendation)
28/10 bike 2 is still insured, no issues with this policy
zedx19 said:
Confusing but I believe this is a simply version.
Bike 1 insured
Bike 2 new insurance policy taken why bike 1 policy still running
Bike 1 insurance cancelled by customer
Bike 2 insurance cancelled by insurance company
The insurance company presumably found some reason why they could not insure you on Bike 2, which they told you when you tried to change Bike 1 policy to Bike 2 and were refused. The reasons behind that no-one other than the insurance company know. If you do not like their decision, follow their complaints procedure, if that doesn't get a fair result, follow the Ombudsman procedure.
I don't think they ever took out a policy on bike 2, they got a quote for a fresh policy for bike 2 and wanted to swap the policy for bike 1 to bike 2 based on getting a good quote for bike 2 (they would not have taken up the quote).Bike 1 insured
Bike 2 new insurance policy taken why bike 1 policy still running
Bike 1 insurance cancelled by customer
Bike 2 insurance cancelled by insurance company
The insurance company presumably found some reason why they could not insure you on Bike 2, which they told you when you tried to change Bike 1 policy to Bike 2 and were refused. The reasons behind that no-one other than the insurance company know. If you do not like their decision, follow their complaints procedure, if that doesn't get a fair result, follow the Ombudsman procedure.
What I think happened is that on applying for bike 2 the details given were different in some way and it triggered an alert that the existing policy might not be valid.
OP mentions they now have a full licence, did they inform the insurer at the time of passing? Possibly getting the the new quote for bike 2 and saying they have a full licence might have done that, although you'd think they could insure somebody with a full licence on a 125...
The other possibility (and the more likely) is that somebody doesn't know how to use their internal system and pressed the wrong button(s).
Gareth79 said:
I don't think they ever took out a policy on bike 2, they got a quote for a fresh policy for bike 2 and wanted to swap the policy for bike 1 to bike 2 based on getting a good quote for bike 2 (they would not have taken up the quote).
What I think happened is that on applying for bike 2 the details given were different in some way and it triggered an alert that the existing policy might not be valid.
OP mentions they now have a full licence, did they inform the insurer at the time of passing? Possibly getting the the new quote for bike 2 and saying they have a full licence might have done that, although you'd think they could insure somebody with a full licence on a 125...
The other possibility (and the more likely) is that somebody doesn't know how to use their internal system and pressed the wrong button(s).
June 2024- taken out bike 1 policy on provisional licence What I think happened is that on applying for bike 2 the details given were different in some way and it triggered an alert that the existing policy might not be valid.
OP mentions they now have a full licence, did they inform the insurer at the time of passing? Possibly getting the the new quote for bike 2 and saying they have a full licence might have done that, although you'd think they could insure somebody with a full licence on a 125...
The other possibility (and the more likely) is that somebody doesn't know how to use their internal system and pressed the wrong button(s).
24/10/24 - informed insurance company that I had passed my tests that day and now obtained a full A licence, result was a very small premium reduction
24th -27th decided I wanted a new bike, looked and acquired insurance quotes
27/10 Bike 1 insured still
27/10 Bike 2 insured on new policy (insurers recommendation)
28/10 Customer cancels bike 1 policy (insurers recommendation)
28/10 bike 2 is still insured, no issues with this policy
And yes, I gathered quotes to see if I could even get insurance on the new bike, it transpired I could and for cheaper than my 125 with my current provider, however they wouldn’t swap the bikes over on the original policy so advised me to take a new one out.
Everything has been above board with the details provided for both policy’s.
Edited by usn90 on Monday 28th October 13:35
Edited by usn90 on Monday 28th October 13:38
Edited by usn90 on Monday 28th October 14:06
Bike 1 now has no Insurance so can’t be ridden or if stolen no cover for.
Bike 2 full Insurance and no issues.
As you say you voluntarily cancelled Bike 1 insurance so for a start you do not have to declare yes when the question is asked because it wasn’t the company that cancelled it.
However what I don’t understand is even if the company wouldn’t transfer the insurance on bike 1 to bike 2 ( and to also allow short term static cover on bike 1 until sold ) why they would recommend cancelling it in the first place ?
I’m also not sure why then then happily agreed to Bike 2 cover ?!
At the very least I would be speaking to them again to politely go back to square 1 and if they won’t do that then ask to speak to their complaints dept.
Bike 2 full Insurance and no issues.
As you say you voluntarily cancelled Bike 1 insurance so for a start you do not have to declare yes when the question is asked because it wasn’t the company that cancelled it.
However what I don’t understand is even if the company wouldn’t transfer the insurance on bike 1 to bike 2 ( and to also allow short term static cover on bike 1 until sold ) why they would recommend cancelling it in the first place ?
I’m also not sure why then then happily agreed to Bike 2 cover ?!
At the very least I would be speaking to them again to politely go back to square 1 and if they won’t do that then ask to speak to their complaints dept.
usn90 said:
June 2024- taken out bike 1 policy on provisional licence
24/10/24 - informed insurance company that I had passed my tests that day and now obtained a full A licence, result was a very small premium reduction
24th -27th decided I wanted a new bike, looked and acquired insurance quotes
27/10 Bike 1 insured still
27/10 Bike 2 insured on new policy (insurers recommendation)
28/10 Customer cancels bike 1 policy (insurers recommendation)
28/10 bike 2 is still insured, no issues with this policy
And yes, I gathered quotes to see if I could even get insurance on the new bike, it transpired I could and for cheaper than my 125 with my current provider, however they wouldn’t swap the bikes over on the original policy so advised me to take a new one out.
Everything has been above board with the details provided for both policy’s.
Provided it is you that terminated the policy on bike 1, no you do not declare it as having insurance cancelled.24/10/24 - informed insurance company that I had passed my tests that day and now obtained a full A licence, result was a very small premium reduction
24th -27th decided I wanted a new bike, looked and acquired insurance quotes
27/10 Bike 1 insured still
27/10 Bike 2 insured on new policy (insurers recommendation)
28/10 Customer cancels bike 1 policy (insurers recommendation)
28/10 bike 2 is still insured, no issues with this policy
And yes, I gathered quotes to see if I could even get insurance on the new bike, it transpired I could and for cheaper than my 125 with my current provider, however they wouldn’t swap the bikes over on the original policy so advised me to take a new one out.
Everything has been above board with the details provided for both policy’s.
Edited by usn90 on Monday 28th October 13:35
Edited by usn90 on Monday 28th October 13:38
Edited by usn90 on Monday 28th October 14:06
It is the usual poor terminology from the insurance companies using the same word for three different things:
They cancel your policy - big trouble for you, has to be declared
You cancel your policy (no longer needed), no trouble and no declaration
You get a reminder for an auto-renewal and do not renew, they call it a cancellation, it is not, it is a non-renewal, no declaration.
Recommendations:
Ask them to confirm, by email or letter, that the policy on bike 2 is actually in place.
Do not cancel a policy until the vehicle is sold, but then do it immediately. What if it gets stolen before sale?
Suspect this is some poor advice from insurance idiot and much ado about nothing.
I imagine the bike 1 policy, a 125 policy, is not set up for bigger bikes and thefore unable to be transfered.
You have cancelled this policy.
You have taken a new policy out for Bike 2.
The email is just confirmation you have cancelled Bike 1.
Phoning them for advice was your mistake.
Insurers love to pretend they have things swayed in their favour and becuase of the complexities of challenging it, many end up in a negative position.
Just go by the contract and you will know where you stand.
I imagine the bike 1 policy, a 125 policy, is not set up for bigger bikes and thefore unable to be transfered.
You have cancelled this policy.
You have taken a new policy out for Bike 2.
The email is just confirmation you have cancelled Bike 1.
Phoning them for advice was your mistake.
Insurers love to pretend they have things swayed in their favour and becuase of the complexities of challenging it, many end up in a negative position.
Just go by the contract and you will know where you stand.
Edited by Rick101 on Monday 28th October 16:59
Edited by Rick101 on Monday 28th October 16:59
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