Bernette Massam

Question: Had my car insurance cancelled. What can I do?

My car insurance company recently cancelled my policy due to unpaid direct debit. Here is what happened. My direct debit didn't get paid on the 8th Jan 2013 due to my bank refusing as I didn't have enough funds. 3 days later I recieved a letter through the post stating they will try again in 7 days. 10 days later they tried again and it said that it successfuly went through. It's now February, I just checked on the MID website and my car is uninsured! I checked my bank account and no payment went out this month, and last month, when the payment did go out succesfully, I notice on the same day the payment went back into my account! I can't phone my insurance company yet as its 6am but I assue they've cancelled it and are wanting me to pay the rest in full. Now, when I take out a new policy, will this effect me? I have been getting quotes already and I can see an option asking ''have you been refused insurance beofre?''. My answer would be no, I haven't. I have had it cancelled due to non payment but not refused. Or does 'refused' mean cancelled due to non payment?

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