Insurance

[Bazile]

One of the questions insurances companies ask is -

' have you ever been refused insurance or had insurance cancelled or had special terms applied '

On these insurance comparison sites , ( go compare for eg ) they give you a list of companies that has provided a quote , but also list companies who have not provied a quote , for whatever reason .

I have been asked the question - should the answer to the insurer question
' have you ever been refused insurance ' , be yes ?

[ummmm]

No because they haven't actually refused. They just haven't given a quote.

[Peter Pedant]

erm depends how much you wanna pay in premiums I suppose.


I have neva eva made a false declaration in an insurance doc
seen a few people who have - - nasty mess.

[Bazile]

So in this specific example , would it be classed as having insurance refused ?

[ummmm]

How can it be?

[Bazile]

To clarify - what you are saying is that these companies not offering a quote for whatever reason , is not classed as / the same , as them refusing you insurance ?

[ummmm]

Yes.

To be refused insurance you'd have to apply for it first. Getting a quote isn't the same as applying.

[Bazile]

Isn't the fact that you have completed the forms on the the comparison company's website , ( which is linked to the insurance companies website ) mean that you are applying for insurance ?

[jackthehat]

You are applying to be 'considered' for insurance......if they decline to consider you, they haven't declined to insure you.

[ummmm]

It's just getting a quote. You're not agreeing to any terms & conditions and you're not obligated to go with any of the quotes.

[Bazile]

Ok- so to be classed as being refused insurance , you would have to have been offered a quote - you then decide to go with the quote , with the insurer and thereafter, for what ever reason the insurance company then decide that they cannot actually provide you with cover .

Yes ?

[jackthehat]

Correct.

[ummmm]

Yes. The actual insurance company would have to refuse to give you cover.

[Ellipsis]

I agree with jackthehat and ummmm

[dizmouk2009]

Not many people ever actually get refused. Either way even if for some reason you were refused you would just lie anyway :P

Illegal, hmmm sort of but morally wrong? NAHHH, money pinching bas***ds :)

[jackthehat]

Right up to the point where they find out that you have been refused elsewhere.....and refuse to pay out, no matter how genuine your claim, because you lied to them.....which then compromises your ability to get any further insurance.

NOT a good idea, dizmo..

[dizmouk2009]

Yeah, I suppose I shouldn't of commented, my bad. I just dislike insurance companies. Sorry :/

[Bazile]

Thanks