I know it seems like kicking a person when they are down but if you had been driving for 20 years continuously without incident or accident, why did you decide this year to cancel your policy? Now most insurance companies may need you to start right back at the beginning again and build up a new responsible driver record so you can once again enjoy the safe driver discount most insurance companies offer to trouble free policy holders.
This "no claim" bonus can be a substantial saving on your car insurance. When you are phoning around comparing insurance prices again this year you will have to tell them the whole story because if you don't and you get into another car accident they probably will say your car insurance policy is "null and void" because you didn't disclose relevant facts to them when you took the policy out.
You will lose more than the cost of the car repairs should this happen but the insurance company will keep your policy money too and probably put you onto some list somewhere so that next time you go for any insurance, your name could well pop up as a problem and distrusted client. It will cost you more in reputation and credibility than being honest and 'up front' at all times.
So if you have been an accident free driver for any amount of time and enjoy some sort of "no claim" bonus discount, don't forget to tell each insurance company you apply for a free quote from exactly what it is. By doing this you are telling the Insurance Company you are a safe driver and can be trusted and you expect their best priced quote.
Free car insurance quotes can vary considerably and so do the policy terms and conditions so be sure you know exactly what you are getting before signing on the dotted line.
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