they cancelled my insurance as they disagreed with my proof of no claims bonus. I did not make any kind of claim on my previous insurance policy with another company, however I was hit by a third party in the rear, which I dealt with myself with the third party's insurers, and I was unlucky to have my house broken into last year where they stole my keys and stole my brand new van I brought 6 wks. earlier.
the police found and returned my van, without a scratch on it , 24 hrs later.
so in no way did I ever make a claim for anything during my policy,
however after I had taken out a new policy with the rac, I received my proof of no claims through the post, which listed both items listed above as "claims/accidents/ incidents under this policy". the rac then wanted an extra £150.00 because of this, they agreed with me that it isn't a claim, but told me I had to get my previous insurers to remove it.
after contacting my previous insurers, they refused to remove these two items, so I then rang the rac back and was then told it would now be £350.00 extra, when I refused this charge, they emailed me a cancellation notice to inform me that in 7 days, the insurance would be cancelled. I then got new insurance with Aviva no problem, then I got a bill for cancelling my insurance. I tried to reason with them, even after telling them I had proof that they cancelled the insurance, they still claim it was me who cancelled it. they did however reduce the cost from £130 - £80.
the rac list the reason for cancellation as, non disclosure of material facts.
for the record, I never lied, they asked in their insurance form, have I had any claims in the past 5 years, for which I have not. and never cancelled anything. it was me who picked the rac with their recovery service etc.
also after speaking to Aviva, whom are my new insurers, they said as it wasn't a claim, ie, no money was paid out, it should not be on my proof of no claims bonus form.