'Trade aware' insurance broker

[Dog Biscuit]

I run a small car related business and have a trade policy.

Said policy has a 'home fleet' section where it caters for insurance of a couple of privately owned cars. My wife and I are covered.

We are both also covered under a motability policy as we have a 'WAV' as one of our childen is wheelchair bound.


My wife has just bought a new car and we'd like to get a private policy for it and start building up NCD on that policy

She will be the policy holder and I will be a named driver.

Question - Are there any specialist brokers that can help with this in securing a policy that will perhaps have consideration for claim free drving whilst on a trade policy and the Motability policy?

Car is nothing fancy - Brand new Suzuki Swift.

Many thanks in advance

[Trevor555]

Maybe things have changed, but when I stopped trading and went to a private policy, the insurance companies wouldn't take my 20 years NCB from my trade policy into account.

Hopefully it'll be different for your Motab policy.

[CraigyMc]

Trevor555 said:

Maybe things have changed, but when I stopped trading and went to a private policy, the insurance companies wouldn't take my 20 years NCB from my trade policy into account.

Hopefully it'll be different for your Motab policy.

Varies by insurer. Zurich will, aviva might (they do for company cars but not company vans), axa won't.
Unfortunately this means you will be running about trying to make a list of who does and who doesn't, it changes all the time.

[alscar]

It might be worth trying the likes of Howdens ( the old A Plan ) , I think their Thatcham office always used to be the car specialists.

[twing]

alscar said:

It might be worth trying the likes of Howdens ( the old A Plan ) , I think their Thatcham office always used to be the car specialists.

Second this

[SO27]

Don't assume that an insurer willing to match your NCD will give you the cheapest quote.
Run quotes through the comparison sites with 0 NCD, you might be surprised (especially if you're as old as me!).
It was certainly the cheapest way to insure when I last bought an additional car.

[bobtail4x4]

SO27 said:

Don't assume that an insurer willing to match your NCD will give you the cheapest quote.
Run quotes through the comparison sites with 0 NCD, you might be surprised (especially if you're as old as me!).
It was certainly the cheapest way to insure when I last bought an additional car.

its worth paying a bit more, as the following year the NCB ollows you,

[SO27]

bobtail4x4 said:

its worth paying a bit more, as the following year the NCB ollows you,

Possibly. I'd still suggest it's worth getting the numbers together before you can make the decision one way or the other.

[Trevor555]

[quote=SO27]Don't assume that an insurer willing to match your NCD will give you the cheapest quote.
/quote]

I found this a couple of times.

Yaris GR quote, it was an additional car, so I tried to get my existing NCD mirrored.

A policy with zero NCD on the comparison sites was the cheapest by far.

[Dog Biscuit]

Thanks for all the input and opinions. Appreciate it.

We've had a pretty decent quote from the confused site so Ill try some of the speacialist brokers listed

Thanks!