Both applies. I had the vehicle previously insured for one year, without claims, & informed Quinn of the fact on day one. I also informed them that I have another vehicle insured in my name with a different insurance company. They requested if I had named driver experience on yet another policy? I informed them that I did & provided the documented proof. The issue here is that Quinn made me an offer, which I accepted & now they have reneged, without a change in circumstances or the information provided to them.