Free Traffic Legal Advice

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."

Not being offered a renewal is not the same as a cancellation of an active policy.

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".