I cannot get insurance:
Not everyone can get insurance. Insurers largely get to “pick and choose” who they are willing to provide insurance to, and on what terms –as long as they are not acting unlawfully - by discriminating against you based on age, gender, disability etc. Even then, insurers have an exemption from some types of discrimination where there is actuarial or statistical data to justify such discrimination.
You should seek advice if you believe you have been unlawfully discriminated against as it is a complex area – but usually it is the insurer who has the burden to establish why their discrimination is justified.
Common reasons why insurers may legitimately refuse to insure you include:
- You’ve had too many claims in a short period
- You have been bankrupt (usually only a factor for business insurance);
- You have a criminal conviction for fraud or dishonesty offences, or
- You have too many speeding or traffic offences (for car insurance).
In these cases, you could shop around. An insurance broker may be able to assist, but you should be careful about fees and commissions, and any conflicts of interest. You should always read the policy documents carefully and check that any required disclosures have been provided and are set out on your certificate of insurance.
If you cannot get insurance now, you may still be able to later on. For instance, some insurers will only ask about claims in the last five years.
It is important you are truthful and accurate with your answers to any questions the insurer asks you. When a claim is made, the insurer may investigate and if they discover they never would have given you insurance in the first place, they will cancel your policy and refuse your claim. There is no point paying premiums for a policy that will not cover you.
If you still have questions, our enquiry form is below for non-urgent enquiries.
