Refused Car Insurance? Live in the UK?

Has your application for car insurance been turned down? Has your current insurer refused to renew your policy? Then we can help.

Thousands of motorists find their applications declined automatically. This is because most insurance companies rely on computers rather than experienced insurance people when deciding whether or not to accept someone as a client. The problem is that once you have been denied insurance it is very unlikely that another mainstream company will accept you onto it's books. They all ask: 'have you ever had insurance declined or cancelled?' and if your answer is 'yes' then a turndown is almost inevitable because the 'computer says no'. This is why you need to contact a specialist in finding cheap car insurance for people who have been refused elsewhere, or quoted very high premiums.

They are allowed a lot of discretion in deciding whether or not to issue a policy to any particular person. An exception to this is that they cannot turn down someone because of a disability; provided that the disabled person has informed the DVLA, and a licence has still been granted. A refusal for that cause alone would be unlawful. However, if their statistics indicated that the applicant's condition produced a significantly greater risk of a claim then they could demand a higher premium.

Apart from that, they can pretty well pick and choose who they want as a customer, and are free to decide for themselves how much they will charge each driver.

If you get a monthly paid policy the company is, in effect, granting you a loan. They will probably carry out credit checks not only on yourself but on other people in the postcode that you live in. If they find a record of non-payment, or other credit issues,then they will be reluctant to allow the application to proceed.

Yes. You need to be completely upfront when you fill in an application form. If you fail to give the companies all the information that they are asking for, or you make a statement that is not correct, they will have grounds for cancelling your policy or, at best, demanding an additional premium. If they do in fact cancel the policy your chances of getting cover elsewhere will be severely reduced.

They will find out about it eventually anyway. Insurers share databases which hold information about practically every driver in Britain so they know far more about you than you think they do!