Insuring your car - If you are turned down

It may be that, having filled in the form, the company declines to insure you. It may do so, because it regards you as a very bad risk - you may have had many accidents and been refused insurance by other companies - or the purposes for which you require the car may be regarded as dangerous - private rally driving, for instance.

This does not mean that all is lost and you can't drive. Different companies assess risk in different ways and you may find that you are acceptable, to, another company.

If not, you will have to downgrade your demands and seek third party only, or third party, fire and theft.

It could be that you are such a bad driver that no one will give you even that limited insurance, but it is very rare, if you still have a valid driving licence and have not been banned from driving altogether.

Nevertheless, there are a few cases where this happen; a 20-year-old who has seen off six Ferraris in two years for -example. Even he would be able to get insurance through a Lloyds syndicate, but the premium would be very high indeed and could run into hundreds of pounds for a very limited cover.

Such a person might be well advised to give up driving and take taxis instead! When a licence is restored following a disqualification in the courts, the company may set a higher premium, particularly if excessive drinking was the cause of the conviction and suspension.


If you are turned down

Payroll Giving
It’s all very easy to organise.
Just ask the Personnel or the Payroll Department at your company and, if they already have a scheme, they will give you the relevant forms.  HM Revenue & Customs’ website has a list of Payroll Giving agencies and explains payroll giving in more detail.

Salon Gold Insurance

Cheaper Insurance for Salons, Freelance Hair and Beauty, and Mobile Businesses - click here

read on: Insuring your car - Making a claim

It may be that, having filled in the form, the company declines to insure you. It may do so, because it regards you as a very bad risk - you may have had many accidents and been refused insurance by other companies - or the purposes for which you require the car may be regarded as dangerous - private rally driving, for instance.

This does not mean that all is lost and you can't drive. Different companies assess risk in different ways and you may find that you are acceptable, to, another company.

If not, you will have to downgrade your demands and seek third party only, or... see: Insuring your car - Making a claim