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Enjoy the ride with the right auto insurance
Get more out of the open road with customized auto coverage options that cater to your needs.
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Car insurance is one of those things you hope you’ll never need – but when you do, you’re grateful it’s there. That’s why getting a car insurance non-renewal notice can feel so unsettling. If your insurance carrier decides not to renew your policy when the term ends, you could be left wondering what went wrong and what to do next.
The good news? A car insurance non-renewal doesn’t mean you can’t get covered again. This guide will explain exactly what non-renewal means, how it’s different from car insurance cancellation and the steps to take after car insurance non-renewal to make sure you stay insured.
A car insurance non-renewal happens when your insurer decides not to continue your policy once the current term ends. This is different from a car insurance cancellation, where your policy ends during the term.
With non-renewal, you’ll have coverage until your policy expiration date, but after that, you’ll need to find new coverage. Non-renewal is a form of car insurance policy termination, but it doesn’t always mean you’ve done something wrong. There are a lot of reasons for a non-renewal, including business decisions unrelated to you or your driving habits.
Getting a car insurance non-renewal notice might feel like a dead end, but it’s really just a detour. You still have options, but you need to act quickly so you don’t end up with a lapse in coverage. Here’s how to handle car insurance non-renewal and get back on track.
Step 1: Read your non-renewal notice carefully
Your car insurance non-renewal notice will explain why your coverage isn’t being renewed. If it’s unclear, call your insurance company for clarification.
Step 2: Improve your insurability
Step 3: Shop for a new car insurance policy
The easiest way to avoid car insurance non-renewal is to stay ahead of the risks. Start by keeping your driving record clean – fewer tickets and accidents make you a safer, more insurable driver. Be smart about claims, too. Filing too many, especially for minor issues, can make insurers see you as high-risk. If a repair costs less than your deductible, paying out of pocket can help protect your claims history. Finally, always stay on top of your payments. Late or missed payments can lead to non-renewal or cancellation so setting up autopay can be a simple way to keep your coverage secure. And if you’re ever unsure where you stand, a platform like VIU by HUB can help you review your options and find the right policy for your needs.
Does non-renewal affect my driving record?
No, non-renewal itself doesn’t go on your record, but the reasons behind it (like violations) could.
Can I get insurance after a non-renewal?
Yes! Many insurance companies are willing to cover drivers after a non-renewal.
What are my legal rights after car insurance non-renewal?
You have the right to understand the reason and seek coverage from other insurance companies.
Does non-renewal affect my credit score?
No, but a lapse in coverage could, so act fast.
A car insurance non-renewal doesn’t mean the road ahead is closed; you just need to find a new path. Whether you need help comparing policies, understanding the difference between car insurance non-renewal and cancellation or finding options after car insurance policy termination, VIU by HUB can help.
The VIU Point is here to help you make sense of it all, so you can confidently compare auto insurance quotes and make the best policy decisions.
