Refused Car Insurance?

  • Problems with getting a quote?
  • Turned down by an insurer?
  • Not sure how to proceed?

angry drivers

Has your current insurer told you that your policy will not be renewed?

Your car insurance is coming up for renewal. However you get a message from your current insurer telling you that they will not be offering you a renewal quote.

So how do you get insured?


Even if you have been refused a quote elsewhere, you may still be able to get affordable car insurance!

Click here now for quotes!


Have you had convictions, or claims, that could have caused this?

Like most people you might go straight to a price comparison site where you will be asked a question like: "Have you or any drivers ever had insurance declined, cancelled or special terms imposed?". You have to be truthful (they will almost certainly find out anyway) in which case you will probably get far fewer quotes than you expect, and much more expensive ones too.

What if you have no idea why you have been declined?

This puts you in a difficult position. You have no idea why your current insurer declined to offer you a renewal but you know that if you answer 'yes' to the question the majority of insurers on the price comparison site will either decline to give you a quote, or offer a very expensive one. You are pretty certain that you have done nothing wrong but you realise that if you do say 'no' and your new insurer finds out that you gave a wrong answer you could face a refused claim, a cancelled policy and mega problems finding insurance in the future.

You go on forums and ask what you should do but you get conflicting advice. You remember that most of the people on these sites may be experienced motorists but they are not lawyers! Even price comparison sites won't commit themselves on whether or not you need to disclose this.

Do you need to inform future insurers or not?

It is debatable whether or not the fact that you have not been offered a quote means that you have had insurance declined, and have to declare it. The fact that you have not been offered a renewal could be because the insurer; or the insurers on the broker's panel; no longer want to attract business from people in the same job as you, in your postcode, with your particular car, in your age range, or for any other general reason not connected with you personally. Or they may simply be winding down before leaving the car insurance market. None of these are your fault but they are all factors that a future insurer may want to know about, so can you be certain that you don't have to tell them?

So what do you do?

You could ask for quotes from specialists in finding affordable preiums for those who have been turned down elsewhere. Naturally, for your protection, they would all be fully Authorised and Regulated by the UK Financial Conduct Authority.

Please remember: it is absolutely essential that you are completely upfront to the insurer about any claims or convictions that you have had before buying a policy, since failing to do so might cause you considerable problems. Insurers do carry out regular checks on their customers and if there is a valid reason why your renewal was turned down they will probably find out very soon.

To sum up: if you have already been turned down that isn't necessarily the end of your driving days 😀 so click on the link now and get some quotes. You may be pleasantly surprised.


Click here for quotes now!