Messed up on my renewal, what can I expect?

This might be a bit rambling so please bear with me.

I got my insurance renewal in December, no problem with it - no big increase or anything. Policy due to renew mid-January. Do nothing if you pay by DD the letter said so I did nothing as I have always paid this way.


Roll on to this week and I get a letter from the insurance company to say they are sorry I chose not to renew with them this year. It only then dawned on me that I never got the disc for my renewal.

Picked up the phone this morning to see what was going on - turns out I paid my policy in full last year and they did not now have my DD instructions. Monumental cock-up on my part. I asked could they reactivate the policy, not possible, I was told I will have to be treated as a new customer.

This is ok in most cases but not for me unfortunately as I am carrying an open claim where I had an accident 3 years ago that still has not been fully settled. (Not my fault but by fault - car stopped suddenly in front and I tipped into it at low speed and 3 occupants with beautiful earrings jumped into 1 ambulance and took off to the hospital:mad:).

Anyway, the long and the short of it now is that I was told today that the proposal will have to go to the underwriters to see what terms they will offer. Does anyone have any idea what I can expect, I did have my bonus protected if that makes any difference.

Have had to park my car up and pick up a rental for the few days it might take to get this sorted.

Thanks