Your car insurance is coming up for renewal. However you get a message from your current insurer telling you that they will not be offering you a renewal quote.
There is a whole panel of insurers available, who specialise in finding affordable insurance for those who have been refused elsewhere. Just fill in a simple form and up to three of them will search the market for you, to get you quotes to compare!
Like most people you might go straight to a price comparison site where you will be asked a question like: "Have you or any drivers ever had insurance declined, cancelled or special terms imposed?". You have to be truthful (they will almost certainly find out anyway) in which case you will probably get far fewer quotes than you expect, and much more expensive ones too.
It may be time to talk to a sympathetic, friendly and experienced broker who specialises in finding cheaper quotes for those who have been turned down elsewhere; click on the 'Click here to get quotes' button for more details.
This puts you in a difficult position. You have no idea why your current insurer declined to offer you a renewal but you know that if you answer 'yes' to the question the majority of insurers on the price comparison site will either decline to give you a quote, or offer a very expensive one. You are pretty certain that you have done nothing wrong but you realise that if you do say 'no' and your new insurer finds out that you gave a wrong answer you could face a refused claim, a cancelled policy and mega problems finding insurance in the future.
You go on forums and ask what you should do but you get conflicting advice. You remember that most of the people on these sites may be experienced motorists but they are not lawyers! Even price comparison sites won't commit themselves on whether or not you need to disclose this.
It is debatable whether or not the fact that you have not been offered a quote means that you have had insurance declined, and have to declare it. The fact that you have not been offered a renewal could be because the insurer; or the insurers on the broker's panel; no longer want to attract business from people in the same job as you, in your postcode, with your particular car, in your age range, or for any other general reason not connected with you personally. Or they may simply be winding down before leaving the car insurance market. None of these are your fault but they are all factors that a future insurer may want to know about, so can you be certain that you don't have to tell them?
You could talk to a specialist broker and explain your situation. This person (who would be someone fully Authorised and Regulated by the UK Financial Conduct Authority could contact insurers on your behalf and get quotes for you to compare.
Often it's cheaper. Most will not charge you anything - they get a commission from the insurance company you buy a policy from. Just the same as price comparison sites do!
It is absolutely essential that either you, or a broker, explain the situation to the insurer before buying a policy since failing to do so might cause you considerable problems. Insurers do carry out regular checks on their customers and if there is a valid reason why your renewal was turned down they will probably find out very soon.
If you do go ahead and buy the policy ask for written confirmation that you have been upfront about the renewal refusal and then you will be in the clear.