Dear Palace Hive Mind,
Wondering if anyone can give me some advice/info.
A few years ago I moved from Bristol to London but forgot to tell my moped insurer. A few months later I was knocked off my bike and when I notified my insurer, this oversight was discovered.
In most circumstances, I was told, this would be no trouble: the policy would simply be adjusted with my new address, possibly changing the premium slightly. However, it just so happened that my area of London was blacklisted by my insurance company as an area they wouldn't cover.
Therefore, though I had never attempted to make a claim - it was the other guy's fault! - they cancelled my policy.
From that point on, I have always had to click the box on insurance comparison sites that asks whether you have ever had an insurance policy refused, cancelled or voided. It has cost me hundreds of pounds across various policies in increased premiums and has severely limited the range of cover options open to me.
Seemingly, this is something that will stick with me forever and will cost me untold thousands over the years to come.
My question is: have I been doing the right thing by ticking this box? Does my situation count as a 'non-disclosure', seeing as I never attempted to make a claim under these conditions and my policy was cancelled as soon as the issue was realised?
I would dearly love to be able to get normal insurance like everybody else!
Many thanks.
Wondering if anyone can give me some advice/info.
A few years ago I moved from Bristol to London but forgot to tell my moped insurer. A few months later I was knocked off my bike and when I notified my insurer, this oversight was discovered.
In most circumstances, I was told, this would be no trouble: the policy would simply be adjusted with my new address, possibly changing the premium slightly. However, it just so happened that my area of London was blacklisted by my insurance company as an area they wouldn't cover.
Therefore, though I had never attempted to make a claim - it was the other guy's fault! - they cancelled my policy.
From that point on, I have always had to click the box on insurance comparison sites that asks whether you have ever had an insurance policy refused, cancelled or voided. It has cost me hundreds of pounds across various policies in increased premiums and has severely limited the range of cover options open to me.
Seemingly, this is something that will stick with me forever and will cost me untold thousands over the years to come.
My question is: have I been doing the right thing by ticking this box? Does my situation count as a 'non-disclosure', seeing as I never attempted to make a claim under these conditions and my policy was cancelled as soon as the issue was realised?
I would dearly love to be able to get normal insurance like everybody else!
Many thanks.
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