What is a decline? The insurance answer is a refusal. To have an underwriter refuse to place your insurance means that you are an unacceptable risk.

Each situation is unique. You may be a high-risk driver who has a combination of tickets, accidents or suspensions which take you from the standard market where the pricing is more competitive and puts you in the Facility market where the price is very high.

It could be that you have a business that the insurer is not capable of covering. This does not necessarily mean your operation is high risk. It could be a question of capacity. The insurance company has too many similar operations or your location is one where the insurer already is heavily involved.

Presenting yourself in the best light possible will help to prevent a decline. Examples include any extra information such as an explanation of why you have a gap in your insurance history or a copy of your safety program.