Cancelled policy co. says they need Declarations page of NEW policy to cancel expired old policy with them.

Free Insurance Quote Comparison

secured lock Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jun 30, 2012

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Copper Canyon, TX

Asked on 06/30/2012

Cancelled policy co. says they need Declarations page of NEW policy to cancel expired old policy with them. Is there any harm in sending info (specifically the Declarations page) from the company that outbid them to the company that held the higher priced original policy? And why do they need it in the first place? They claim they need it to cancel the expired policy with them, but I suspect otherwise. Original policy was with Farmers. $1.8K per year. New policy, same coverage but new state, is $0.7K per year from a newly acquired subsidiary of Farmers named 21st Century. You can see I had to switch.

Answer given on July 01, 2012

If you are asking your present insurance company to backdate a cancellation since you found less expensive insurance they do have the right to see the replacement policy. If there is no insurance and you have a claim, they would be held responsible for the claim, so they want to be sure there is no gap in your coverage. This is a fairly standard request by insurance companies.When you provide a copy of the new policy, you can black out the premiums of the new policy. All your company is looking for are the dates of the new policy. They should have no problem with the premium being blacked out.You indicate the new policy is in a new state. This could have a great effect on the cost of your insurance. Each state has a different set of rating procedures which can have a big effect on how the rates come out. Make sure the state you are using for your insurance is the state in which you live or use the car.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

secured lock Secured with SHA-256 Encryption