I did ask and the reply was "sorry sir but you have been declined", "what! how is that" I replied, he apologised again and put the phone down.
I have never ever been declined insurance cover over the past 53 years at all. So I do not know what effect it will have on any of my existing covers, for car and motorbike. If any of you can educate me on this, please do.
Flook
It would appear that because of your recent motoring history they have decided that you are a risk that they don't want to accept. If that is the case it will affect you badly, and not necessarily just in regard to motor insurance. As others have said you will be asked by other companies if you have ever had cover declined and that will be followed by "why?". At this point you can't answer because you have not been told. You must find out, and the company has a duty to tell you. Don't assume, getting it wrong could have long lasting and far reaching effects. On the other hand it could be something minor which will have little effect.
With regard to current cover on your car and motorbike you must inform the insurers of your recent misfortune and they will decide your fate.