car insurance cancelled or is it?

if you apply for car insurance and don't disclose 1 non fault accident and they cancel the insurance after 5 day's dose this count as a cancelled insurance?

we recently had a accident and when asked buy the company providing the courtesy car, i wanted to be honest so told my wife to tell them she had a insurance cancelled as they said she did not disclosed a non fault accident, as a result they refused her a courtesy car.


now im wondering did i do wrong thing saying to the courtesy car insurance that she had her insurance cancelled in the past as it may not even be the case it was only running a few days before they said that its cancelled because of non disclosure of a accident.


maybe i have got it all wrong any advice will be greatly appreciated.


Regards dimitious

i will try keep this short.


i am fully comp but was driving my wife's car when i was involved in a accident which meant i would only have 3rd party cover.

the accident is pending still but looks like a non fault accident so my insurance passed it to a company to arrange a courtesy car, they asked me for all my details but then i explained my d/licence was on my wife's address as i was in the proces of moving there as we just got married they said i cant get the courtesy car but will try under my wifes name as it was her car.

when they asked her did she ever have insurance cancelled i told her be honest so she told them and they said they cant help us.


a few months back her car insurance renewal was due she got a quote and wentfor it unfortunately she forgot 1 non fault accident and 5 days sent her a letter saying it had been cancelled and they would not be able to insure her.

That right it is under my insurance and only covered 3rd party as i was driving another car.
The reson they refused me the courtesy car was when they said is your driving licence under your home address i said no its under my wifes address as i was in the proces of moving there as we just got maried and the day of the accident was the day i came back from my honeymoon.