If you discover a modification after buying the car, document what you found and contact the insurer. Whether it affects cover depends on the circumstances and policy terms.
Start with the exact facts
Before applying elsewhere, gather the documents and dates that describe what happened. If an insurer has written to you, use its actual wording. Do not turn “not invited to renew” into “cancelled” or vice versa unless that is what the provider has said.
When a new insurer or comparison form asks a question, answer the question being asked. If you are unsure what a question means, it is safer to seek clarification than to choose the answer that seems most convenient.
Why accurate disclosure matters
Insurers use the information supplied at quotation and during the policy to decide whether they will offer cover and on what terms. Incorrect or incomplete answers can cause difficulties later, particularly when a claim is made.
What to do before getting another quote
Check your driving licence details, address, occupation, vehicle description, permitted use, claims, convictions and any modifications that may be relevant. Try not to make repeated applications using slightly different answers simply to see which produces a price.
If you disagree with an insurer
If you believe an insurer has acted on incorrect information or has treated you unfairly, use its complaints process first. The Financial Ombudsman Service can consider eligible complaints after the insurer has had the opportunity to respond.
Looking for cover again
Different providers have different underwriting rules, so one refusal does not necessarily mean that no provider will quote. The important point is to make the next application using accurate information.
The comparison service is provided by Quotezone, a trading style of Seopa Ltd, FCA FRN 313860. Cover Problems does not recommend a particular policy. We may receive commission when you use this link.