The problem is that once you have an insurer decline to renew your policy, you will presumably need to declare this fact in any future insurance application (for any car, or potentially for any insurance at all) probably making it hard to get insurance through comparison sites forever more, and having to go through a broker (although going through a broker is no bad thing).
Really hoping that Churchill don't start doing this en masse.
Some info I found about the declined insurance issue
"If you go back 25 years, then car insurance was dominated by brokers. There were no direct underwriters, let alone internet and you bought via a little High St shop. The brokers rarely had delegated underwriting authority, so they placed your business with an underwriter and gave you a 30 day cover note. This was so that the underwriter could carry out all the necessary checks they needed, that the broker couldn't do and once completed they either accepted you and sent you a full year insurance schedule and policy, or special rating terms imposed or declined you and you started again with another underwriter.
You were only ever likely to be declined if you lied on your proposal.
Modern life & technology have moved things on and the question is effectively in need of an overhaul, in a few years it should read "Have you ever had an insurance policy cancelled by the insurer?" It's still worded the way it is as there are plenty of us still driving who bought policies 25 years plus ago and might have had cover declined or special terms imposed."
from
Have you ever had insurance declined or cancelled ... - Page 1 - Speed, Plod & the Law - PistonHeads UK
Another related story:
"it occurred over 30 years ago, and only came about due to the incompetence of a broker selling a policy the insurer for a risk would not cover (my employer) and instead of being sensible and finding me another policy (there was time) argued so long with the insurer and eventually lost - after the policy had started, so it was both refused and cancelled."
A more specifically related question was asked here
"At the end of your policy your current insurer states that you no longer meet their criteria so they decline to provide a quotation for the following year. Does this mean you have been declined insurance?
No. They have changed their criteria for a future policy, so not a declinature.
You ring up to get an insurance quote from a new insurer and get told that they will not provide cover so will not quote. Does this mean that you have been declined insurance?
No. See above.
Halfway through your policy you decide to change your car for something more powerful. Your current insurer does not wish to cover you on this new vehicle so you take your business elsewhere. Does this mean you have now been declined insurance?
No. You are looking to chnage the terms of the policy, the insurer is happy to carry on under previous terms, so not a declinature.
"
From this I believe that you would not be required to say that you had insurance declined if someone didn't provide you a quote/renewal, only in the case of you accepting insurance and then getting declined during their cover period. This of course may not be correct so if anyone has other information on this subject would be useful to know.
