Cause for cancellation
If you’ve not been paying your premiums, then your provider has a right to cancel your policy, but they should provide you with sufficient warning that this is what they’ll do. If you don’t think you can meet an upcoming payment, contact your insurance provider – you might come to a mutually agreeable arrangement.
Non-disclosure could be down to miscommunication and it could be as simple as you forgetting to declare a claim you made a couple of years ago. Insurance providers can validate policyholders’ claims history and check records of reported incidents using the central insurance database known as CUE. So if you’ve genuinely forgotten to mention something which later gets found out, then your policy can be cancelled for failing to declare relevant information.
Insurance is all about risk and prices are based on your individual circumstances. So if you’re a high risk candidate who has made claims in the past, your premiums are going to reflect that. It’s imperative so tell your insurance provider about any previous claims and incidents. You’ll usually be asked about driving convictions and claims so answer honestly – the truth always catches up, so you may as well be upfront.