--- title: My insurance company non-renewed my policy – what does this mean? description: Understanding the difference between policy cancellation and non-renewal of your policy. Learn more about the implications and reasons behind non-renewal. image: https://blog.concklin.com/hubfs/Imported_Blog_Media/confused-mixed-race-man-reading-papers-2021-09-24-03-11-16-utc.jpg --- [Skip to content](https://blog.concklin.com/blog/difference-between-nonrenewal-and-cancellation.html#main-content) [facebook-f icon](https://www.facebook.com/ConcklinInsurance) [linkedin-in icon](https://www.linkedin.com/company/concklin-insurance-agency) [Twitter icon](https://twitter.com/ConcklinA) [youtube icon](https://www.youtube.com/channel/UC_HnJQ4S_USSxBJkauXwu6A) [**Contact Our Team**](https://insurance.concklin.com/compare-quotes#CLQuoteRequest) **[630-268-1600](tel:+16302681600)** **[Contact Our Team](https://insurance.concklin.com/compare-quotes#CLQuoteRequest)** **[630-268-1600](tel:+16302681600)** [![Concklin Logo-1](https://blog.concklin.com/hs-fs/hubfs/Concklin%20Logo-1.png?width=314&height=100&name=Concklin%20Logo-1.png)](https://insurance.concklin.com/) - About Us Show submenu for About Us - [Our Story](https://insurance.concklin.com/about-us-who-we-are) - [Our Team](https://insurance.concklin.com/meet-our-team) - [Contact Us](https://insurance.concklin.com/contact-us) - [Markets & Industries](https://insurance.concklin.com/industry-specific-insurance-programs) - [Business Insurance](https://insurance.concklin.com/business-insurance-coverage) - [Personal Insurance](https://insurance.concklin.com/personal-lines-insurance-coverage) - Life & Health Insurance Show submenu for Life & Health Insurance - [Life Insurance](https://insurance.concklin.com/life-insurance) - [Health Insurance](https://insurance.concklin.com/health-insurance) - Resources Show submenu for Resources - [Claims Resources](https://insurance.concklin.com/claims-resources) - [Cyber Resources](https://insurance.concklin.com/cyber-insurance-resources) - [Blog](https://blog.concklin.com/) - [Video Library](https://blog.concklin.com/video-library) - [Client Portal](https://insurance.concklin.com/client-portal) - [Make A Payment](https://concklin.appliedpay.com/) Open main navigation Close main navigation - About Us Show submenu for About Us - [Our Story](https://insurance.concklin.com/about-us-who-we-are) - [Our Team](https://insurance.concklin.com/meet-our-team) - [Contact Us](https://insurance.concklin.com/contact-us) - [Markets & Industries](https://insurance.concklin.com/industry-specific-insurance-programs) - [Business Insurance](https://insurance.concklin.com/business-insurance-coverage) - [Personal Insurance](https://insurance.concklin.com/personal-lines-insurance-coverage) - Life & Health Insurance Show submenu for Life & Health Insurance - [Life Insurance](https://insurance.concklin.com/life-insurance) - [Health Insurance](https://insurance.concklin.com/health-insurance) - Resources Show submenu for Resources - [Claims Resources](https://insurance.concklin.com/claims-resources) - [Cyber Resources](https://insurance.concklin.com/cyber-insurance-resources) - [Blog](https://blog.concklin.com/) - [Video Library](https://blog.concklin.com/video-library) - [Client Portal](https://insurance.concklin.com/client-portal) - [Make A Payment](https://concklin.appliedpay.com/) --- Sep 6, 2022, 12:00:00 AM # My insurance company non-renewed my policy – what does this mean? ![Picture of Amanda Yaniz](https://blog.concklin.com/hs-fs/hubfs/Amanda%20Yaniz.jpeg?width=50&name=Amanda%20Yaniz.jpeg) [Amanda Yaniz](https://blog.concklin.com/author/amanda-yaniz) Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://blog.concklin.com/blog/difference-between-nonrenewal-and-cancellation.html) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://blog.concklin.com/blog/difference-between-nonrenewal-and-cancellation.html) [Twitter icon](https://twitter.com/intent/tweet?url=https://blog.concklin.com/blog/difference-between-nonrenewal-and-cancellation.html) [envelope icon](mailto:?body=https://blog.concklin.com/blog/difference-between-nonrenewal-and-cancellation.html) My insurance company non-renewed my policy – what does this mean? 2:26 Either you or your insurance company can decide not to renew your policy when it expires.  This can come as a shock when it is the company that decides to non-renew – especially if you have paid your premium on time and have had no claims. It is important to understand that a non-renew is different than a cancellation. ## Notice of Cancellation A Notice of Cancellation means you or your insurance company plans to cancel the policy during the coverage term. If the company is canceling the coverage the notice will come with ample warning and will list the reason the policy is being cancelled.  Common reasons policies are cancelled are: - Nonpayment of premium - Discovery of fraud or material misrepresentation – often a result of incorrect information on the insurance application - If it is an auto policy, it may be canceled if your drivers license is suspended or revoked, or you have received certain driving penalties, such as an SR-22 If your policy is being cancelled due to non-payment, many insurance companies will accept payment of past due amounts or allow you to pay the policy in full by a specified date to keep the policy active. After a cancellation, it can be difficult to find a replacement policy as insurance companies may view you are high risk. ## Notice of Nonrenewal A Notice of Nonrenewal means you or your insurance company does not plan to renew your policy after the current term is completed. Similar to a cancelation notice, you will be given ample warning by the insurance company and the notice will include the reason why they are nonrenewing your policy. Common reasons for nonrenewals include: - The insurance company is no longer offering that line of coverage, or are no longer offering it in your location - The insurance company has decided to offer fewer policies for that line of coverage - The insurance company has determined that your risk has increased significantly. This is often the result of the insured having multiple claims during a policy period. - The insurance company did not receive requested information or verification, such as proof of repairs. If you have received a notice of cancellation or nonrenewal and have questions about what this means for you and your insurance going forward, give us a call.  We are more than happy to explain these concepts in more detail and offer you any assistance we can. [Personal Lines Insurance](https://blog.concklin.com/tag/personal-lines-insurance), [Business Insurance](https://blog.concklin.com/tag/business-insurance) ## Related posts [![Man looking at phone while driving](https://blog.concklin.com/hs-fs/hubfs/Imported_Blog_Media/man_driving_distracted.jpg?height=200&name=man_driving_distracted.jpg)](https://blog.concklin.com/blog/distracted-driving-policy.html) [Business Insurance](https://blog.concklin.com/tag/business-insurance) ## [Does your company have a Distracted Driving Policy? Empowering employees to focus while driving.](https://blog.concklin.com/blog/distracted-driving-policy.html) Does your business have a distracted driving policy? 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