How long do you have to declare that you have had insurance Cancelled?
So if an insurer does ask you if you've ever had a policy cancelled, you must tell them about it – no matter how long ago it occurred. But not all insurers will ask to see your full insurance history. Some insurers will ask for details for the past five years, for example.
Can you cancel insurance at any time and get refund?
If you want to cancel your policy after the cooling-off period you should check your insurance policy. Most insurers will give you a refund if you have not made any claims during the policy year but you will usually have to pay administration fees.
Is there a database for cancelled insurance?
You might be wondering, "How do insurance providers know about my cancelled policy?" Well, they can find out through the Claims and Underwriting Exchange – or CUE – database. This is where information about previous claims and cancellations on car insurance, and other forms of insurance, is stored.