Home / Insurance / Car Insurance for Cancelled Policyholders

Compare Car Insurance for Drivers with Cancelled Policies

Car Insurance for Cancelled Policyholders

Car Insurance for Cancelled Policyholders

expat car insurance

Enter vehicle registration number

Don't know the registration number?

Looking for cheaper insurance?

  • Search over 110 different car insurance providers
    Quotezone increases your chance of finding a great deal by searching the market for you.
  • Over three million users
    Join our ever-growing list of satisfied customers today.
  • Buy online or by phone
    Purchase your car policy quickly and easily, monthly and annual payment options available.
  • Norton secured
    Our quote form uses 128-bit SSL encryption for your peace of mind.
  • You could save time and money
    Get your quotes by filling in one simple form, compare prices, and start saving.
  • Independent and unbiased service
    We aren't owned by or have any investment from any insurance company.

Compare Car Insurance for Drivers with Cancelled Policies

Cheap car insurance with cancelled policies

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.

car insurance for cancelled policyholders

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.

Compare car insurance for cancelled policyholders now
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 insurer’s 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.

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.

Customer Reviews

4.9/ 5

Based on 38 reviews on Reviews.co.uk

Read all reviews

  • ★★★★★

    kalbinder heer, 18-04-2019

    The quote l got was the cheapest on all the comparison websites

  • ★★★★★

    Dariush Hejazian, 14-11-2018

    I used other sites to get a car insurance. Quotezone was by far the best. I took a car insurance with an insurance company that they suggested. Since then I had an accident and the insurance company was great and I am very happy with them. To summaries I got a great dealfrom the financial aspects and also from the customer services aspects. I have already recommended Quotezone to a number of friends and as far as I know two of them have insured their cars via them.

  • ★★★★★

    Mark Wilson, 10-06-2018

    Always use quotezone for my insurance quotes.Seems to be more thorough than other sites.

Car Insurance Comparison