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Car Insurance for Cancelled Policyholders

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Cheap car insurance for cancelled policies

If you’ve had your licence endorsed with penalty points you’ll probably be aware of the fact that those points will usually be removed from your licence within three or four years. Similarly, if you’ve been convicted of a serious motoring offence you’ll likely know that that offence will be expunged from your driving record after a period of three to eleven years, depending on the offence (a DR10, for instance, which is a conviction for driving while over the legal alcohol limit, is likely to remain on your licence for 11 years, whereas a DD40, which is a conviction for dangerous driving, will only remain on your record for 4 years).

Many drivers assume a cancelled car insurance policy will be expunged from their driving record in much the same way, after which they expect to be able to get cheaper car insurance.

Cancelled car insurance policies aren’t treated in the same way at all, though, because if you’ve had a policy cancelled by a previous insurer in the past that fact will remain on your driving record for the rest of your life.

In practice, that means you’re always likely to pay more for your car insurance from now on, and some insurance providers may also be unwilling to insure motorists who have had policies cancelled.

That means it’s even more important to compare quotes from a wide range of insurance providers if you’ve had a policy cancelled in the past, because doing so will increase your odds of finding a provider who is willing to insure you – and do so at a price that won’t break the bank.

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Why does a cancelled car insurance policy never leave my driving record?

When it comes to motoring offences that are governed by UK legislation, or criminal convictions for non-motoring offences, the law stipulates that those offences must be treated as ‘spent’ after a certain amount of time has passed, after which they usually can’t be used as part of an insurer’s risk assessment.

The reason for that is to ensure that offenders can be rehabilitated and won’t be unduly discriminated against after they have completed that process of rehabilitation.

Since cancelled car insurance policies are an administrative or risk-based issue, though, rather than a matter that is governed by UK legislation, the same right to having the issue expunged from your driving record does not apply to cancelled car insurance.

Of course, if you were convicted of insurance fraud that criminal conviction would eventually be ‘spent’ – but the cancelled car insurance policy that accompanied it would remain on your record for the rest of your life.

OK, so I’ve had my car insurance cancelled – who will insure me?

There isn’t a simple list of insurance providers you can turn to in the certain knowledge that they will be willing to insure you after you’ve had a policy cancelled, because insurers sometimes change their underwriting terms and they also use a wide range of different variables when deciding whether or not to insure you and how much to charge for that cover.

The best plan is to use Quotezone.co.uk‘s car insurance comparison service to compare quotes for cancelled policyholders, ensuring you’re accurate and honest about the cancelled policy as well as any motoring convictions or criminals that might still apply.

What would happen if I didn’t disclose a cancelled policy to my new car insurance company?

If you failed to disclose a cancelled car insurance policy to your new insurance provider there’s a risk you would face the very same fate again – they might cancel your policy on the basis of non-disclosure. You would then be obliged to inform future insurers that you’d had two policies cancelled rather than one.

Cheap car insurance for cancelled policies

Car insurance costs have risen over the past year to record highs with the average car insurance premium now costing £956 per annum. These prices are likely to be considerably higher for those with cancelled car insurance policies in the past due to driving convictions. Whilst this will naturally be frustrating it is not impossible to find cheap car insurance quotes as a driver with a previously cancelled policy.

Should I opt for a third party only policy in order to reduce the cost of my car insurance for cancelled policyholders?

In the past drivers with higher premiums often opted for third party only insurance, because the fact that it was less comprehensive than third party, fire and theft or fully comprehensive insurance meant it was sometimes a little cheaper.

However, third party only insurance isn’t always the cheapest option anymore even though it is the least comprehensive, because insurance providers have begun hiking their premiums for this level of cover in recent years in order to reflect the fact that these policies are often favoured by riskier drivers.

So if you’re looking for car insurance for cancelled policyholders the best plan is to compare quotes for all three levels of coverage and then go with the provider that offers the best policy at the best price.

*51% of consumers could save £529.95 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from February 2024 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

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