Insurance quotes don’t add up

[Capt Sisko]

On 17/05/2025 at 20:30, ViperZRX said:

but now they have canceled the policy with the only explanation being she doesn't meet the insurers criteria,

 

All insurance proposal forms have the same question. Something along the lines of 'Have you ever had an insurance policy cancelled, voided or refused?'.  Your daughter needs to go back to the insurance company and ask exactly why the policy has been cancelled and put in a complaint/appeal if she thinks it's bad practice or their proposal questions were misleading. If it's not her fault they ought to reistate the policy, but either way get it all in writting and she needs to keep it. If it is her fault now comes the hard bit, insurance companies don't like people misleading them, they share thier data and that cancellation will follow her. If in the future your daughter has now to say yes to the 'have you ever?' question, and note the question is general, not just about motor insurance, then your daughter is going to find obtaining insurance both more difficult and more expensive to buy.

 

The above sound a bit OTT and you may think it's only an insurance policy, but if that canellation goes on her record it could haunt her for a very long time. With accident claims the question is usually 'in the last five years'. That question on cancellation, voiding or refusal is 'ever'.

 

Your daughter needs to take action fast and take it seriously.

Edited Monday at 11:49 by Capt Sisko

[onesea]

13 hours ago, ViperZRX said:

 Before my daughters experience, i would have been inclined to agree with you, My daughter is 28, passed her CBT and we found a GN125 she fell in love with, £500 to insure, 5 months later it got stolen, we found her a newer bike, XSR125, she was getting quotes from £5500 to £19500... Bikesure quoted £1200, we went for that, but now they have canceled the policy with the only explanation being she doesn't meet the insurers criteria, after a month. If anyone can explain that to me, i would be eternally grateful. 

Stick it to the ombudsman appeal and fight it all her insurance will of rocketed "ever had an insurance policy cancelled" there is no time limit on that one