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#Post#: 120216--------------------------------------------------
Insurer not offering to renew
DIR By: jimzzr
Date: May 31, 2026, 11:45 pm
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Hi
My insurer is not offering to renew my policy. In their letter
(Text pasted below) they state that "This does not need to be
declared". It is not clear to me whether they mean the whole not
offering to renew or something else. Haven't looked around yet
so not too sure what specific questions insurers ask.
Can I rely on their instruction not to declare? Does their
letter amount to have had insurance declined. Not too sure what
questions insurers ask on this subject.
"Hello
Your car insurance for your FORD xxxxxxx is due to expire soon.
Based on the current information we hold for you we're not going
to offer to renew your policy -your car insurance will end at
23:59 on 25 Jun 2026.
We're sorry we can't continue covering you. Thank you for being
with us.
Why have we taken this decision?
Within the last year we have amended our appetite for whom we
insure which means your details now fall outside these criteria.
This could include:
Your make or model of vehicle.
Your occupation and/or use limitation for the vehicle.
The drivers and/or combination of drivers and their driving
experience.
This does not affect your ability to obtain alternative
insurance elsewhere as we are not cancelling your insurance, so
this does not need to be declared."
#Post#: 120219--------------------------------------------------
Re: Insurer not offering to renew
DIR By: 666
Date: June 1, 2026, 1:32 am
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Yes, you can rely on that.
#Post#: 121780--------------------------------------------------
Re: Insurer not offering to renew
DIR By: ILoveCats123
Date: June 14, 2026, 7:25 pm
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Not being offered a renewal is not the same as a cancellation of
an active policy.
#Post#: 121901--------------------------------------------------
Re: Insurer not offering to renew
DIR By: roythebus
Date: June 15, 2026, 6:48 pm
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Shop around, you will probably find cheaper insurance as well.
#Post#: 123161--------------------------------------------------
Re: Insurer not offering to renew
DIR By: fraser.mitchell
Date: June 27, 2026, 7:16 pm
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My father got a similar letter, and he had been with the RAC for
a very long time. I asked him how old he was, and he said 90.
Whilst not saying so, that was the obvious reason, so I rang
Churchill, with whom he had house insurance, and they covered
him straightaway, and the premium was very reasonable too.
Eventually, though, he did give up driving and said to me, "I'm
not "with it" any more".
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