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Proposal declined query

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  • 20-05-2021 6:55pm
    #1
    Pokaa
    Closed Accounts Posts: 1 ✭


    Quick query in relation to son as named driver
    I see this on the policy terms "named driver has never had a proposal declined"
    My son was in the habit of randomly checking for insurance quotes for himself before i decided to put him on my policy
    I've asked him did he have any proposals declined when he was checking , he says no but is the above something you could actually do inadvertently and render my policy void ?


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    #2
    coylemj
    Registered Users Posts: 25,387 ✭✭✭✭coylemj


    I don't think simply being declined for a quote would be what they're talking about. Because lots of the time, people ask for a quote for a car they might be thinking of buying and they could be refused a quote, based on the age or c.c. of the car. But it's nothing to do with the driver being considered an unacceptable risk.

    The question here is: is there a difference between a proposal and a quote?


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    #3
    Eggs For Dinner
    Registered Users Posts: 2,959 ✭✭✭Eggs For Dinner


    Obtaining, or being refused, a quote is not the same as a proposal. A proposal is when you wish to accept a quote (indication) and move towards contract fulfilment by providing the full details required by an insurer to effect cover.


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