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  • Look for affordable coverage after a cancelled policy.
  • Explore various insurance companies so you can start driving again.
  • Get expert advice on insurance choices for cancelled policies.

Can You Get Car Insurance After a Cancelled Policy?

If your car insurance provider has cancelled your policy, it can be hard to get a new one at a fair price. Many insurers see policyholders with cancelled policies as risky. This often means you might face higher premiums or have fewer choices for a new policy.

You can still get insurance even if your last policy was cancelled. Some special insurance companies have plans for drivers like you. It is important to be honest about why your previous policy was cancelled. Make sure to compare quotes to find the cheapest price for what you need.

Why Was Your Car Insurance Policy Cancelled?

Your previous insurer should have told you the reason for cancelling your policy. Some common reasons for cancellation are:

  • Missed payments – Not making your car insurance payment every month.
  • Non-disclosure – Forgetting to share important details with your insurance provider, like past claims or penalty points.
  • Fraudulent claims – Giving false information when you get a new car insurance policy.
  • Excessive claims – Filing several claims in a short amount of time.
  • Driving convictions – Being found guilty of a serious driving offense.

If your last insurer cancelled your policy, you need to be honest when applying for a new insurance provider. If you do not inform them about any past cancellations, they might reject your application. This could make your coverage not valid.

How Does a Cancelled Policy Affect Your Car Insurance?

A cancelled policy makes insurance companies careful. This can lead to:

  • Insurance costs are higher.
  • Not many companies want to provide coverage.
  • There are limited payment options. For example, some companies may require a one-time payment instead of allowing you to pay monthly.

Here is an overview of the average costs for car insurance. This is based on how you have used your policies before:

Policy History Average Annual Premium (UK, 2024)
No previous cancellations £561
Cancelled due to non-payment £950 - £1,400
Cancelled due to non-disclosure £1,100 - £1,700
Cancelled due to fraud £1,800+

These numbers come from market research. They can change based on your individual circumstances.

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How Long Does a Cancelled Policy Affect Your Insurance?

A policy cancellation can remain on your insurance record for five years. Many insurance companies may ask about cancellations when you want a quote. If you don’t mention it, they could refuse your policy.

Reason for Cancellation Impact on Premiums
Missed payments 3-5 years
Non-disclosure 5 years
Fraudulent claims 5+ years

How to Get Car Insurance After a Policy Cancellation

If your policy was cancelled, you can follow these steps to get back on the road:

1. Be Honest About Your Cancellation

Always tell your new insurance provider if your previous insurer cancelled your policy. Being honest about this can help you avoid issues later.

2. Compare Car Insurance Quotes

Using a car insurance comparison service like Free Price Compare allows you to view several insurance providers. This helps you to find the cheapest price available.

3. Choose the Right Level of Cover

Some car insurance policies might cost less based on the level of cover you choose. A third-party only cover can be cheaper than a comprehensive cover if you want to save money.

4. Consider Adding a Named Driver

Adding a named driver who has a clean driving record can lower the cost of car insurance.

5. Pay Annually If Possible

Some insurance companies might charge you more in interest if you choose to pay each month. However, if you pay all at once, you may save money.

Can a New Insurance Provider See That Your Policy Was Cancelled?

Yes, insurance companies share information through the Claims and Underwriting Exchange (CUE). This means that most insurance providers will know if you cancelled your policy. It is a good idea to inform them right away. This way, you can reduce the risk of your new policy being cancelled later.

Ways to Reduce Car Insurance Costs After a Cancelled Policy

  • Limit your mileage – Driving fewer miles means less risk for you.
  • Increase voluntary excess – A higher excess can lower your insurance premium. Just make sure it’s an amount you can pay.
  • Use black box insurance – Some companies give better rates if you can show you are a safe driver.
  • Choose a lower insurance group car – Some cars are cheaper to insure than others.
Ways to Reduce Car Insurance Costs After a Cancelled Policy

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FAQs About Car Insurance for Cancelled Policyholders

Yes, but you might need to find a specific insurance provider that helps people with canceled policies.

In many cases, yes. Insurers view policyholders who cancel their policies as riskier. Because of this, they charge higher insurance premiums.

Some car insurance companies let you pay every month. However, they may require a bigger upfront payment at the beginning.

Most insurance companies look at the CUE database. This is why you should be honest about any cancellations you have had in the past.

You can save money by looking at different quotes, adding a named driver, and increasing your voluntary excess.

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Page last updated on: 09/05/2025

Page reviewed by: Shay Ramani

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