lukesmummy Posted November 16, 2011 Share Posted November 16, 2011 does anyone know of any cheap car insurances , my dad has been driving for 19 years n in 6 months some git set his car on fire n his insurance company cancelled his insurance without him knowing so he now has a claim for the fire and no insurace conviction against his name :-( so was just wondering if anyone els had a bad record n found cheap insurance thanku Link to comment Share on other sites More sharing options...
Chun Li Posted November 16, 2011 Share Posted November 16, 2011 Price compare websites areas good as any other place to start looking. Link to comment Share on other sites More sharing options...
lukesmummy Posted November 16, 2011 Author Share Posted November 16, 2011 thankyou :-) Link to comment Share on other sites More sharing options...
Chun Li Posted November 16, 2011 Share Posted November 16, 2011 You're welcome Link to comment Share on other sites More sharing options...
Stranza Posted November 16, 2011 Share Posted November 16, 2011 does anyone know of any cheap car insurances , my dad has been driving for 19 years n in 6 months some git set his car on fire n his insurance company cancelled his insurance without him knowing so he now has a claim for the fire and no insurace conviction against his name :-( so was just wondering if anyone els had a bad record n found cheap insurance thanku My bold. Are you sure they cancelled his insurance or did they pay out for the fire and then declare no insurable interest? If they cancelled his insurance he will have to declare that along with the fire to his next insurance company which would mean he would probably need a specialist high risk insurer (depends on the reason why they cancelled)if the insurance paid out for the car and declared no further insurable interest (like when the car is written off) then he would only have to declare the fire which would be a normal claim. Alot of the comparison sites make certain 'assumptions' when you ask for quotes and one of those is often that you have never had insurance declined or cancelled. Link to comment Share on other sites More sharing options...
lukesmummy Posted November 16, 2011 Author Share Posted November 16, 2011 he made the claim for the fire in august and was paid out quickly and he was told there was no problems at all but on the 23rd oct they cancelled insurence the policeman who was very nice n understanding rang quickfit insurance who openly admitted theyd not even contacted him too tell him his insurance was going too be cancelled its quickfit who r at fault and he is sueing them through the court and also contesting the ticket of 6 points and 200 pound fine but that doesnt help him now lol Link to comment Share on other sites More sharing options...
qazitory Posted November 16, 2011 Share Posted November 16, 2011 Did they give a reason why they cancelled? As I know they have cancelled policies when a Direct Debit has failed for example? Link to comment Share on other sites More sharing options...
Chun Li Posted November 16, 2011 Share Posted November 16, 2011 Kwik fit?? O heard some horror stories about them and even though they were cheaper by a good £80 i still went with someone else. Shocking service Link to comment Share on other sites More sharing options...
Stranza Posted November 16, 2011 Share Posted November 16, 2011 Ahh then he's stuck. It's risky not declaring he had his insurance cancelled to a new insurer just in case he had to make a claim. They don't check when you take out a policy but if you make a claim, they check a database, and won't pay out because he didn't provide correct information when he started the policy. They won't care that it's someone else who made the initial mistake they will just void the policy. So his only realistic option is to declare the cancelled insurance which will bump his premiums up and rule a few big insurers out for him. I know everyone complains about the price of insurance but this could really price him out of driving so I would suggest that he contact http://www.financial-ombudsman.org.uk/ to sort out the insurance he got cancelled and they will also be able to give accurate advice about what he should declare to his next insurers. It does seem long winded but premiums for people who have a combination of points/ driving offence/ cancelled insurance are often in the thousands. Link to comment Share on other sites More sharing options...
yorkiepudd Posted November 16, 2011 Share Posted November 16, 2011 Ahhh Kwikfit insurance. They refused to insure me (following a cheap quote on the comparison website) as my car had been 'modified'. The modification? Well, I had replaced the (faulty) car radio/cd player with an aftermarket one from Argos that cost about £60. They ring me up every year trying to get my business to which I tell them to, well, you can imagine lol Link to comment Share on other sites More sharing options...
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