{"id":270652,"date":"2019-12-06T10:16:19","date_gmt":"2019-12-06T10:16:19","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=270652"},"modified":"2025-02-12T13:05:28","modified_gmt":"2025-02-12T13:05:28","slug":"voided-and-cancelled-car-insurance","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/car-insurance\/voided-and-cancelled-car-insurance","title":{"rendered":"Voided and cancelled car insurance"},"content":{"rendered":"<p>Car insurance is designed to protect us if the worst happens. But valid car insurance relies on you telling the truth and following the rules outlined in your policy. Failure to do so, even unintentionally, could leave you uninsured and struggling to find cover if your insurer cancels or voids your policy. Our guide will help you minimise the risk of voided or cancelled car insurance and understand what to do if it happens.<\/p><h3>What is voided car insurance?<\/h3><p>Voided car insurance is any policy that has been ruled invalid by the insurer. There are a number of reasons this may happen. The most common are that the customer fails to pay their premium, or has submitted false or incorrect information to the insurer.<\/p><p>If an insurance provider voids a car insurance policy, it is equivalent to that policy never having existed and no protection ever having been in place. This, in turn, means that any claim being made (even before the date on which the policy was voided) will not be successful.<\/p><p>Ultimately, you\u2019ll want to avoid having your car insurance voided at all costs. But to do that, you\u2019ll need to understand how this could happen in the first place.<\/p><h3>What\u2019s the difference between voided and cancelled car insurance?<\/h3><p>While the end result can be similar \u2013 you\u2019re left without car insurance \u2013 there is a subtle but important difference between your insurer voiding and cancelling your cover.<\/p><ul><li><strong>Voided car insurance<\/strong> means that an insurance provider has reason to completely invalidate your car insurance, leaving you unprotected for the entire term. This means that even claims made since you took out the policy, but before the void date, won\u2019t be covered. This might be if, for example, you lied or omitted important details when you applied for the insurance<\/li><li><strong>Cancelled car insurance<\/strong> means that your policy has been terminated for some reason before it was due to end, but was valid before the cancellation date. Claims made before the cancellation date may still be covered. An insurer might cancel your policy part way through the term if you miss a monthly payment or change jobs without letting your insurer know.<\/li><\/ul><p>In both cases, you may not be entitled to any refund of premiums you\u2019ve already paid.<\/p><h3>What are the main reasons for an insurer voiding or cancelling a policy?<\/h3><p>There could be several reasons why an insurance provider might cancel or void a car insurance policy, but these reasons tend to fall into 1 of 4 categories:<\/p><ul><li><strong>Non-payment of insurance premiums:<\/strong> This can include failing to pay them on time or missing payments entirely.<\/li><li><strong>Non-disclosure or omission:<\/strong> Essentially, failing to tell the complete truth when you apply for insurance or failure to update your insurer about important changes to your circumstances.<\/li><li><strong>Fraud:<\/strong> The guidelines for fraud will vary by insurer, but it could include faking an accident, for example.<\/li><li><strong>Breaching terms and conditions:<\/strong> By using your car for purposes that aren\u2019t covered by the policy, for example.<\/li><\/ul><h3>What can I do if I think I\u2019m going to miss a payment?<\/h3><p>If you fail to pay for your insurance premiums on time or you miss payments altogether, your insurance company is likely to contact you to remind you about outstanding premium payments. It might also start discussions about putting in place an alternative arrangement for making the missed payments.<\/p><p>Although your insurance provider can cancel your policy at any time, it should give you sufficient warning before doing so. So, if you accidentally miss a payment (because of problems with your bank account, for example), you should be given the chance to put it right.<\/p><p>If you\u2019re concerned about cash flow and worry that you\u2019ll miss an upcoming monthly payment, get in touch with your insurer before it happens. That way, you can come to an agreement about how to manage the problem. It might give you a few days extra to pay, for example.<\/p><p>Bear in mind that while missing a single payment is unlikely to invalidate your policy, consistently failing to pay can become a serious issue and result in cancellation.<\/p><h3>What does non-disclosure or omission mean?<\/h3><p>If your insurance provider finds out about information that you failed to share when taking out the <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\">car insurance policy<\/a> it could decide to void your policy. This non-disclosure of information can relate to things like:<\/p><ul><li>Previously cancelled insurance policies<\/li><li>Insurance claims or <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/convicted-drivers\">driving convictions<\/a> in the last few years<\/li><li>Medical conditions that could affect your ability to drive safely<\/li><\/ul><p>Failing to inform your insurer when your circumstances change also falls into this category and is likely to result in your policy being cancelled from the date of the change. You\u2019ll need to tell your insurer if, for example, you move house, change jobs, make <a href=\"https:\/\/www.finder.com\/uk\/how-car-modifications-affect-insurance\">modifications<\/a> to your car or change car entirely.<\/p><p>Insurers will also need to know about any accidents, big or small, even if you don\u2019t claim on your policy. This can include even minor scrapes. If you don\u2019t tell your insurer about small accidents and it later finds out if you make a claim for more serious damage, it could render the later claim invalid.<\/p><p>An insurance provider will usually view each non-disclosure case separately and base its decision on how serious the issue is. For example, if the non-disclosure was an innocent mistake of information being missed off the car insurance application form or you having forgotten about a claim a few years back, the provider may be more forgiving and simply adjust your premium (if appropriate) to account for it.<\/p><p>If, on the other hand, information was deliberately kept from an insurance provider, the company could treat it as fraud and decide to cancel or void your protection altogether.<\/p><h4>Can an insurer check the details I put on my application form?<\/h4><p>In some cases, yes. While it can\u2019t check the details of medical conditions, for example, it has access to a central database (<a href=\"https:\/\/www.mib.org.uk\/managing-insurance-data\/mib-managed-services\/cue-miaftr\/\" target=\"_blank\" rel=\"noopener\">CUE<\/a>), which has details of claims and reported incidents. So it\u2019ll be able to quickly sniff out if you\u2019ve made a claim that you haven\u2019t disclosed.<\/p><h3>What might count as fraud with an insurance provider?<\/h3><p>Each insurance company will have its own set of guidelines around what it classes as fraud, but most will generally include the following:<\/p><ul class=\"list-10\"><li>Driving without a full and valid driver\u2019s licence<\/li><li>The policyholder of the car insurance not being the main driver in order to lower premiums, known as \u201c<a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/car-insurance-fronting\">fronting<\/a>\u201c<\/li><li>False information about what the car is used for: for example, most policies won\u2019t <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/car-insurance-for-business-use\">cover your car for business use<\/a> as standard<\/li><li>False information about where the car is kept overnight<\/li><li>False no-claims discount certificates passed on to insurers for discounts<\/li><li>Faking a car being stolen or in an accident in order to claim on the insurance<\/li><li>Deliberately underestimating the number of miles you travel each year<\/li><\/ul><ul><\/ul><h4>How can I safeguard against potential fraud?<\/h4><p>As with non-disclosure, insurers are likely to consider the policyholder\u2019s intent (was the false information provided deliberately?) when deciding if they\u2019ve committed insurance fraud. But there may be occasions when you find yourself accused of fraud even if it was unintentional.<\/p><p>Don\u2019t risk it. It is likely to void your insurance and could open you up to a prosecution for fraud.<\/p><ul><li>Always report accidents and incidents that result in damage or loss, even if you don\u2019t intend to make a claim.<\/li><li>Tell the truth when you fill in your car insurance application. Double-check any details you\u2019re not certain about, such as how long ago you made a claim or got points on your licence.<\/li><li>Contact the insurer if your circumstances change, for example if you change jobs.<\/li><li>Let the insurer know if you realise you made a genuine mistake \u2013 for example you underestimated your <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/mileage-affects-car-insurance\">annual mileage<\/a>.<\/li><li>Tell your insurer if you want to add anyone to your policy as a named driver.<\/li><li>Don\u2019t risk accidental \u201c<a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/car-insurance-fronting\">fronting<\/a>\u201c, where you put a less experienced driver down as a <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/named-driver-car-insurance\">named driver<\/a> to lower premiums, even though they\u2019re the main user of the car.<\/li><\/ul><h3>How can I reduce the risk of breaching terms and conditions?<\/h3><p>You can sometimes invalidate your policy by doing something you didn\u2019t even realise was wrong.<\/p><p>Things like the number of people you are allowed to have in your car and what you\u2019re allowed to use your car for can vary between different policies and providers. Make sure you know exactly what your policy includes and what it forbids you to do to avoid any issues.<\/p><p>Some potential breaches are pretty obvious \u2013 such as driving without a licence or driving under the influence. <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/car-insurance-exclusions\">Car insurance exclusions<\/a> it can be easier to accidentally fall foul of include.<\/p><ul class=\"list-10\"><li><b>An obstructed windscreen.<\/b> If you drive with morning frost, mud or dirt on your windscreen and have an accident, your insurer might refuse to pay out. Your claim can also be rejected if your insurer believes that an accident was caused by an item suspended from the mirror or hanging in your windscreen affecting your line of vision or causing a distraction, so ditch that dangling air freshener (or get one that clips to your air vent).<\/li><li><b>Failing to maintain your car.<\/b> While even well-maintained cars can be involved in accidents, it\u2019s important to make sure you take great care of your car to reduce the risk of an accident caused by a mechanical fault.<\/li><li><b>Using your car for races, competitions or rallies.<\/b> Driving on roads known to be particularly dangerous can also invalidate your policy.<\/li><li><b>Overloading your car.<\/b> Make sure you never overload the car with either people or things. Squeezing 5 of your mates into a car designed for 4 passengers, for example, could leave you on the wrong side of the law and your insurance company.<\/li><li><b>Unleashed pets in the vehicle.<\/b> If you take any pet along for a ride in your car, you must make sure they are correctly restrained. Under no circumstances should they be sitting in the front seat or on your lap. This protects you from invalidating your insurance policy and helps to keep them safe in case of an accident.<\/li><li><b>Allowing your car to be driven by someone unnamed on your policy.<\/b> Some people may be <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/can-i-drive-another-car-on-my-car-insurance\">covered to drive any car<\/a> through their own insurer, usually on a <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/third-party-car-insurance\">third-party<\/a> basis, but this isn\u2019t guaranteed.<\/li><\/ul><p>These exclusions won\u2019t necessarily result in your policy being cancelled. They could simply mean that incidents that take place while an exclusion is at play won\u2019t be covered. But, either way, it\u2019s not worth taking the risk.<\/p><h3>What should I do if my insurer voids or cancels my car insurance?<\/h3><p>If your insurance provider informs you that your car insurance policy has been voided or cancelled, it\u2019s important that you don\u2019t bury your head in the sand. Instead, it will be better if you contact your insurer immediately to find out the reasons. That way, you may be able to rectify the issue quickly.<\/p><p>If your provider is unwilling to reinstate cover, you will need to look for alternative car insurance immediately as your car will have no valid cover in place. <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/driving-without-insurance-guide\">Driving without insurance<\/a>, even for a couple of days, is an offence and could land you with a minimum \u00a3300 fine and 6 points on your licence.<\/p><p>If you are not happy with your insurer\u2019s decision for cancelling or voiding your policy, you may be able to appeal. The quicker you act, the more likely you are to find a solution. Complain in writing to your insurer first. If you\u2019re not happy with its response, you can escalate your complaint to the <a href=\"https:\/\/www.financial-ombudsman.org.uk\/\" target=\"_blank\" rel=\"noopener\">Financial Ombudsman Service<\/a> (FOS).<\/p><h3>Does a voided or cancelled policy affect me finding insurance in the future?<\/h3><p>Yes. Having a car insurance policy cancelled or voided, even if the reason wasn\u2019t your fault, can mean you struggle to find a policy to cover you. Providers will consider you a higher risk of being a problem customer, so may be unwilling to insure you at all.<\/p><p>Quotes from insurers that are willing to cover you are likely to be higher.<\/p><h3>How much will my car insurance increase when I try to renew after it being voided or cancelled?<\/h3><p>How long is a piece of string? Every insurer will apply its own criteria, but you\u2019re likely to see a substantial increase.<\/p><p>The size of the increase may depend on the reason for the policy being cancelled or voided. If the reason your previous cover was cancelled relates to a conviction or fraud, an insurer is likely to assume you are more of a risk to insure, meaning your premiums could skyrocket.<\/p><p>Don\u2019t be tempted to keep costs down by neglecting to mention the cancellation, though. This will only exacerbate the issue by voiding your next policy too, resulting in double trouble.<\/p><h3>How long does voided or cancelled insurance stay on my record?<\/h3><p>There is no set time that a cancelled insurance policy will stay on your record for. Some insurers may only request your insurance information for the last 5 years. Others may require you to share your history going further back than that. Always be upfront and disclose all information to the best of your knowledge. Failing to do this could cause you even more problems later on.<\/p><h3>What is a rescinded car insurance cancellation?<\/h3><p>Insurance companies sometimes make mistakes (hard to believe, we know). If they cancel or void your policy in error and then realise they\u2019ve made a mistake, they will \u201crescind\u201d the cancellation.<\/p><p>If this happens, you don\u2019t need to declare it to any subsequent insurer. It\u2019s a good idea to get confirmation in writing that the cancellation was, effectively, cancelled, because of the insurer\u2019s mistake (not your own).<\/p><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block\"><div class=\"u-grid\"><div class=\"u-grid__col u-1\/1 no-padding-bottom\"><h3 class=\"has-padding-bottom-x-small\">Can I cancel a car insurance policy myself?<\/h3><\/div><div class=\"u-grid__col u-1\/6@s\"><p><img decoding=\"async\" class=\"luna-avatar luna-avatar--large\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg\" alt=\"Danny Butler\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/p><div class=\"has-padding-top-small text-x-small\"><em>Finder insurance expert <a href=\"https:\/\/www.finder.com\/uk\/author\/dannybutler\">Danny Butler<\/a> answers <\/em><\/div><\/div><div class=\"u-grid__col u-10\/12@s no-padding-bottom\"><p>Yes. This is entirely different to when an insurer cancels your insurance because, in its opinion, you\u2019ve done something \u201cwrong\u201d. You can <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/cancelling-car-insurance-guide\">cancel your car insurance<\/a> at any time during the term, whether you pay annually or monthly. For example you might want to cancel if you sell your car or go abroad for a few months and <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/how-to-sorn-a-car\">declare your car off the road<\/a> (SORN). You don\u2019t need to declare this to future insurers and it won\u2019t affect your ability to get insurance in the future. However, you will miss out on building up another full year of <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/no-claims-bonus\">no-claims bonus<\/a>.<\/p><p>In most cases, you should receive a refund for any remaining premiums you\u2019ve already paid. You\u2019ll likely need to pay a cancellation fee, though, which will wipe out some of the refund.<\/p><\/div><\/div><\/div><\/article><h3>Bottom line<\/h3><p>The shock of having your car insurance voided or cancelled by your insurer is definitely one you don\u2019t want to experience. Not only could it leave you uninsured, it could make it tricky and expensive to find alternative insurance in future. Even if you have no intention of deceiving your insurer, sometimes innocent mistakes could put you at risk of invalidating your policy. Following the advice in this guide can help you keep that risk to a minimum.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Will I get a refund if my car insurer cancels or voids my policy?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"> Possibly, possibly not. It will depend on the terms and conditions of your insurer and, potentially, the severity of the reasons for your insurance being cancelled or voided. You may be less likely to receive any refund if you have behaved recklessly or deliberately misrepresented information at any time during the policy. <\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Is non-renewal the same as cancellation?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\">No. You typically purchase car insurance policies for a year at a time. At the end of each year, you may or may not renew your insurance with the same provider. If you choose not to renew with the same provider, you simply take out a new policy with a different provider. No cancellation will be recorded and you won\u2019t incur cancellation fees. In some cases, your existing insurer may not allow you to renew with it. This is pretty rare and still won\u2019t count as your policy being voided or cancelled.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Why would an insurance company not renew my policy?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"> In some cases, an insurer may not offer you a renewal quote because because your circumstances have changed. Some insurers may not cater to drivers over a certain age or in certain locations, for example. Alternatively, its own criteria for offering cover may have changed, even if your situation has stayed broadly the same. <\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Do you have to declare if a previous insurance policy has been cancelled or voided?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Yes. There might be some exceptions, but as a rule insurance companies ask during the quote process whether you\u2019ve ever had a car insurance voided or cancelled. You must tell the truth, as failing to do so will definitely make your new policy void.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">Who will insure me if my car insurance has been cancelled?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\">This really depends on the reason your car insurance policy was cancelled in the first place. Most insurers may see you as a greater insurance risk. But by explaining your situation and being honest from the start, you may be able to find a specialist insurer that is willing to cover you and at an affordable price. While specialist insurers may be your main options, it\u2019s still worth <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\">shopping around<\/a> and comparing any deals that are offered to you.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">Can I cancel my car insurance if it automatically renews?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Yes. If, as most people do, you buy or renew your car insurance online or over the phone, by law you have a <a href=\"https:\/\/www.citizensadvice.org.uk\/consumer\/insurance\/insurance\/cancelling-an-insurance-policy\/\" target=\"_blank\" rel=\"noopener\">14-day cooling-off period<\/a> from the day the policy starts or you receive your policy docs (whichever is later). The provider may make a pro-rata deduction to cover the days you\u2019ve already been covered for. There may also be a small admin fee. If a fee applies, it is likely to be lower than any fees you would have to pay for cancelling outside of the cooling-off period. <\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000006\" data-toggle=\"collapse\" data-target=\"#accordion0000000006\">\n        <span class=\"luna-accordion__title\">Can I cancel my car insurance if I sell my car?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000006\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Yes. Whether you pay monthly or annually, you can voluntarily cancel your car insurance at any stage. Most, though not all, insurers will offer a pro-rata refund of any premiums already paid. You may need to pay a hefty cancellation fee, though. <\/div>\n  <\/div>\n<\/li><\/ul><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block\">*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (January \u201926). 51% of Confused.com car insurance customers could save \u00a3529.15.<\/div><\/article><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms \"best\", \"top\", \"cheap\" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">subject to our terms of use<\/a>. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Read our guide to understand why honesty is always the best policy to avoid your car insurance being voided or 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