The last thing you want is for an insurer to turn down your claim and they have a history of doing so when there is a non disclosure as you are entering into a contract. My advice is always declare it. A cancellation is not good either as you would have to declare it to your next insurer. If you didn't there is a double history of non disclosure and with the new databases in place, your insurance history can be traced and checked and that may cause you a problem again in the event of a claim.
Col996s - ring another broker like Premium choice on 0121 384 9201 and ask Ronnie, Pinder, Liam or Rob what the Equity Red Star do wiith Termis.
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