Car Insurance Declined? (UK) — Compare Options in Minutes

If you've had car insurance declined, it can be frustrating — and it doesn't always mean you can't get insured. Declines can happen for many reasons, from missing information to claims history or policy details that a provider won't cover.

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What you'll need to start a quote

•Vehicle details (registration or make/model)
•UK postcode
•Licence type + how long held
•Any points/convictions/claims (yes/no)

Who this page is for

This page is for UK drivers who:

have been declined, refused, or couldn't complete a quote with a provider
want to understand common reasons this can happen
want to compare options with accurate details
want a straightforward next step without guesswork

Why car insurance can be declined

A decline can happen at different points in a quote journey. Common reasons include:

details don't match records (address, licence information, vehicle details)
claims or convictions that a provider won't cover
gaps or inconsistencies in driving history
vehicle use or modifications not accepted by that insurer
previous policy cancellation or non-payment (if applicable)
the provider's risk rules for certain postcodes, car types, or usage

Not all providers apply the same rules — which is why comparing can help. Drivers with TT99 totting-up disqualifications or those needing commercial cover like hackney carriage insurance may find fewer mainstream options available. If you have driving convictions or penalty points, insurers may view you as high risk, but specialist providers may be more likely to offer cover.

What to check before trying again

These quick checks can reduce avoidable declines:

Confirm your personal details match official records
Use accurate vehicle information (reg, make/model, modifications)
Be honest about claims, convictions, and usage
Double-check mileage and where the car is kept overnight
Review cover start date and policy details for accuracy

If you're unsure about something, it's better to pause and check than guess.

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If you have points, convictions, or a previous issue

Some drivers are declined because of driving history or specific policy situations. It's important to disclose details accurately and then compare options that may be available for your circumstances.

If you have points on your licence or need cover as one of the convicted drivers, comparing quotes can help you see what options are available when you enter your details honestly.

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FAQs: Car insurance declined (UK)

Does a decline mean I can't get insured?

Not necessarily. Different providers have different underwriting rules. Comparing can help you see options based on accurate details.

What's the difference between declined and referred?

A "referral" usually means the insurer wants to review details before offering terms. A "decline" means they won't offer a policy based on the information given.

Can incorrect details cause a decline?

Yes. Mismatched details (for example, address history or vehicle information) can sometimes trigger a decline or a referral.

Will points or convictions affect whether I'm declined?

They can. Some insurers won't cover certain convictions or may require different terms. It's important to declare them accurately.

Should I change details to get accepted?

No. You should always enter information truthfully. Incorrect details can invalidate cover or cause problems if you need to claim.

What information do I need to compare again?

Typically your vehicle details, postcode, mileage, licence history, and any claims/convictions.

Can a different car help?

Sometimes. Vehicle type and insurance group can affect whether a provider offers cover.

What's the fastest next step?

Start a quote journey with accurate details and review the options and cover breakdown.

Ready to compare options?

Start your quote online now and view options available from UK providers.

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How we created this page (transparency)

This page was created to help UK drivers understand common reasons car insurance can be declined and what to check when comparing options. It is reviewed for clarity and updated as needed to stay accurate and useful.

Important information

MySupermarketCompare is an insurance comparison website. We introduce customers to our quote partner to help them compare insurance options. Information on this page is general and is not financial advice.