On most online sites for motor insurance, one of the preconditions you must agree to is that you have 'No convictions for any motor offence in the past five years'. When you accept this and go to the page were you fill out your details, they have a section for how many penalty points you have - is this not conflicting with the precondition and would it have any impact on your policy should you have a claim?
Another precondition you must normally accept is that you were never refused insurance by another company - does getting refused a quote because you were too young for a particular company at the time or having an online quote declined constitue being refused insurance? Surely this has happened to most people at some stage so why is it asked and is it a get out clause for the insurer?
Another precondition you must normally accept is that you were never refused insurance by another company - does getting refused a quote because you were too young for a particular company at the time or having an online quote declined constitue being refused insurance? Surely this has happened to most people at some stage so why is it asked and is it a get out clause for the insurer?