'Car unsuitable' according to insurance company
Discussion
After yesterdays problems with being added to my mums policy as a learner I shopped around a bit. However a good 4 or 5 insurance companies won't even give a quote with me as a named driver because the car is showing up to be unsuitable on their system and 1 wouldn't consider insuring me until I was 21.
What I'm confused about is that the car is a 1.1l 2004 Peugeot 206, just your standard bottom of the range eurobox. Its nothing even remotely fast of exotic. Can anyone shed some light on why I will be insured if I change the car to a Corsa VXR (albeit for a bucketload), but not on the 206? Also any tips on insuring me would be much appreciated
What I'm confused about is that the car is a 1.1l 2004 Peugeot 206, just your standard bottom of the range eurobox. Its nothing even remotely fast of exotic. Can anyone shed some light on why I will be insured if I change the car to a Corsa VXR (albeit for a bucketload), but not on the 206? Also any tips on insuring me would be much appreciated
That's absolutely ridiculous. I'd probably switch straight into full-bore rant mode and ask them what the f
king hell they expect me to drive if that thing's "unsuitable", but.. That's just me 
I was deeply unimpressed when, similarly, Adrian Flux refused to insure me on anything over a 1.4. That's almost exactly half as much engine as I actually have, cheers for that..
Anyway. An insurance company saying that can bugger off, it is their way of saying they're not interested in your part of the market, so forget them and don't worry about it there really are plenty of fish in the sea when picking an insurer. The biggest and juiciest of which being Admiral, give them a try.
king hell they expect me to drive if that thing's "unsuitable", but.. That's just me I was deeply unimpressed when, similarly, Adrian Flux refused to insure me on anything over a 1.4. That's almost exactly half as much engine as I actually have, cheers for that..
Anyway. An insurance company saying that can bugger off, it is their way of saying they're not interested in your part of the market, so forget them and don't worry about it
there really are plenty of fish in the sea when picking an insurer. The biggest and juiciest of which being Admiral, give them a try.McSam said:
That's absolutely ridiculous. I'd probably switch straight into full-bore rant mode and ask them what the fking hell they expect me to drive if that thing's "unsuitable", but.. That's just me
Do you do the same if you get turned down for a job, where you don't have the qualifications? Or at a nightclub when you turn up in attire that doesn't meet their dress code? Or if the bank turns down your mortgage application for a loan that's 10 x your annual salary?king hell they expect me to drive if that thing's "unsuitable", but.. That's just me It's the same with insurance, they don't want to insure the OP, that's their choice and they retain the right to do so.
Rant away, most will hang up on you if you get abusive.
R1 Loon said:
Do you do the same if you get turned down for a job, where you don't have the qualifications? Or at a nightclub when you turn up in attire that doesn't meet their dress code? Or if the bank turns down your mortgage application for a loan that's 10 x your annual salary?
It's the same with insurance, they don't want to insure the OP, that's their choice and they retain the right to do so.
Rant away, most will hang up on you if you get abusive.
For the record, I'm actually quite unlikely to start abusing a call centre employee who has nothing to do with the system that's causing me grief - and rather more likely to swear at my monitor a few times when the online quote system tells me something stupid like that! It's the same with insurance, they don't want to insure the OP, that's their choice and they retain the right to do so.
Rant away, most will hang up on you if you get abusive.
I'm not sure your examples are relevant, though. The car in question has exemplary qualifications in the correct fields to be a first car, which is why it seems utterly mental to forbid it and suggest that he should go and buy something bigger, faster and more expensive purely on the grounds that more 1.1 206s have been crashed than anything else. It's like that employer saying "Actually, no - you're exactly what I'm looking for, but I've had too much trouble with perfect candidates so I'd like you to be less suitable and worse instead"
The insurer's response is like saying that knife crime is at a high, so people must not be allowed to carry knives. Instead they must carry guns, because fewer people have been killed by them so far, so they are statistically lower risk..
(For clarity, all of this is against the refusal to insure that car. If they won't insure him personally on anything at all ever, that's a different matter, but here they seem to have a problem with the particular car, hence the above)
1.1 econoboxes driven by 'yoofs' get wrapped around trees, houses, other cars, and pedestrians more often than more powerful cars. When I was looking at different cars, a 1.1 Hyundai Getz would have cost me £2,500 to insure. A 1.2 C2 or 1.25 Fiesta were both £5,000. My Punto, with 1.9 diesel and turbo, was £1,500. I could not find a lower quote than that.
Direct Line, all credit to them, told me straight off they couldn't insure me until I was 25. The honest approach is much nicer. Companies *ahem*Swiftcover*ahem* that quote you just under 10 grand are far more irritating.
Direct Line, all credit to them, told me straight off they couldn't insure me until I was 25. The honest approach is much nicer. Companies *ahem*Swiftcover*ahem* that quote you just under 10 grand are far more irritating.
McSam said:
or the record, I'm actually quite unlikely to start abusing a call centre employee who has nothing to do with the system that's causing me grief - and rather more likely to swear at my monitor a few times when the online quote system tells me something stupid like that!
I'm not sure your examples are relevant, though. The car in question has exemplary qualifications in the correct fields to be a first car, which is why it seems utterly mental to forbid it and suggest that he should go and buy something bigger, faster and more expensive purely on the grounds that more 1.1 206s have been crashed than anything else. It's like that employer saying "Actually, no - you're exactly what I'm looking for, but I've had too much trouble with perfect candidates so I'd like you to be less suitable and worse instead"
The insurer's response is like saying that knife crime is at a high, so people must not be allowed to carry knives. Instead they must carry guns, because fewer people have been killed by them so far, so they are statistically lower risk..
(For clarity, all of this is against the refusal to insure that car. If they won't insure him personally on anything at all ever, that's a different matter, but here they seem to have a problem with the particular car, hence the above)
The problem is that those exemplary qualifications as a first car, also make it an exemplary car for crashing into bus queues full of nuns on their way to rehome a dozen stray kittens too. the system is far from perfect, but so is virtually every method of predicting the future. If they could master that are I'm sure it would be better used on the Lottery every week I'm not sure your examples are relevant, though. The car in question has exemplary qualifications in the correct fields to be a first car, which is why it seems utterly mental to forbid it and suggest that he should go and buy something bigger, faster and more expensive purely on the grounds that more 1.1 206s have been crashed than anything else. It's like that employer saying "Actually, no - you're exactly what I'm looking for, but I've had too much trouble with perfect candidates so I'd like you to be less suitable and worse instead"
The insurer's response is like saying that knife crime is at a high, so people must not be allowed to carry knives. Instead they must carry guns, because fewer people have been killed by them so far, so they are statistically lower risk..
(For clarity, all of this is against the refusal to insure that car. If they won't insure him personally on anything at all ever, that's a different matter, but here they seem to have a problem with the particular car, hence the above)
Your examples are true(ish) although the insurers are capable of saying knives are really, really bad, so they're a bad idea, but so are all offensive weapons so lets steer clear of them too,although we don't have the granularity of data on them, so lets not be as punitive on them ................................. yet
Each insurance company has a target demographic, some just don't do inexperienced drivers, some specialise in it, the extra potential cost of high risk drivers means they have to spread that risk across premiums, disallowing certain demographics enables them to be more competitive in their chosen market.
People like E-sure for example only do those with 5 years no claims, aloowing them to manage their risk and price accordingly.
Don't take it personally, it's just market forces at work.
People like E-sure for example only do those with 5 years no claims, aloowing them to manage their risk and price accordingly.
Don't take it personally, it's just market forces at work.
R1 Loon said:
The problem is that those exemplary qualifications as a first car, also make it an exemplary car for crashing into bus queues full of nuns on their way to rehome a dozen stray kittens too. the system is far from perfect, but so is virtually every method of predicting the future. If they could master that are I'm sure it would be better used on the Lottery every week
Your examples are true(ish) although the insurers are capable of saying knives are really, really bad, so they're a bad idea, but so are all offensive weapons so lets steer clear of them too,although we don't have the granularity of data on them, so lets not be as punitive on them ................................. yet
Your examples are true(ish) although the insurers are capable of saying knives are really, really bad, so they're a bad idea, but so are all offensive weapons so lets steer clear of them too,although we don't have the granularity of data on them, so lets not be as punitive on them ................................. yet
You're quite right in saying that they're less likely to punish the unknown quite so violently. I think we'd better stop here before it gets any more complex
wackojacko said:
Admiral multi car policy .......... i've been credited 1 years NCB already and they seem fine about my coupe at 17 (big brakes, minor weight shedding etc) and they seem fine with the idear of my possible stripped,caged , LSD, big brakes etc E36 328i at 18 in a couple of months 
Off topic, but how do you find the prices of a multicar policy compared to a normal admiral policy for someone aged 17? Does it work out significantly cheaper? and they seem fine about my coupe at 17 (big brakes, minor weight shedding etc) and they seem fine with the idear of my possible stripped,caged , LSD, big brakes etc E36 328i at 18 in a couple of months Thanks for the help
We have only one car to insure ourselves, the others a company car, but through friends experiences if a young driver owns one of the cars it's cheaper to get 2 separate policies from Admiral than to use the multiple car
chrisispringles said:
Off topic, but how do you find the prices of a multicar policy compared to a normal admiral policy for someone aged 17? Does it work out significantly cheaper?
We have only one car to insure ourselves, the others a company car, but through friends experiences if a young driver owns one of the cars it's cheaper to get 2 separate policies from Admiral than to use the multiple car
Mark_Karting said:
After yesterdays problems with being added to my mums policy as a learner I shopped around a bit. However a good 4 or 5 insurance companies won't even give a quote with me as a named driver because the car is showing up to be unsuitable on their system and 1 wouldn't consider insuring me until I was 21.
What I'm confused about is that the car is a 1.1l 2004 Peugeot 206, just your standard bottom of the range eurobox. Its nothing even remotely fast of exotic. Can anyone shed some light on why I will be insured if I change the car to a Corsa VXR (albeit for a bucketload), but not on the 206? Also any tips on insuring me would be much appreciated
I imagine it's simply a case of insurers being very wary now of offspring being added to their parents' policies as 'named drivers' when 99% of the time, they are in fact the main drivers. Otherwise known as 'fronting' or fraud in simpler terms What I'm confused about is that the car is a 1.1l 2004 Peugeot 206, just your standard bottom of the range eurobox. Its nothing even remotely fast of exotic. Can anyone shed some light on why I will be insured if I change the car to a Corsa VXR (albeit for a bucketload), but not on the 206? Also any tips on insuring me would be much appreciated
As alluded to above, a ridiculous quotation is a kind way of being told to Foxtrot Oscar and - as you've already proved - insurers are more willing to cover you as a main driver for your own car.
R1 Loon said:
Do you do the same if you get turned down for a job, where you don't have the qualifications? Or at a nightclub when you turn up in attire that doesn't meet their dress code? Or if the bank turns down your mortgage application for a loan that's 10 x your annual salary?
It's the same with insurance, they don't want to insure the OP, that's their choice and they retain the right to do so.
Rant away, most will hang up on you if you get abusive.
The difference is, it's not a legal requirement to have a job, go to a nightclub or get a mortgage.It's the same with insurance, they don't want to insure the OP, that's their choice and they retain the right to do so.
Rant away, most will hang up on you if you get abusive.
But it is a legal requirement to have car insurance.
What happens when nobody will insure young drivers?
(for the record, I'm 39 with many years NCB. This is just a philosophical discussion)
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