No NCB insurance question

[Henrico]

Firstly, apologies if this is in the wrong place .

The idea is, I'm wanting to run a car on a shoestring bangernomics style! Main issue is that I haven't driven in 3 years so have no NCB. I just called Adrian Flux who were no real help on ways around this which there may not be but I had a hunch that if you insured, for instance, a classic car, then you could get the quote down a touch. Or any other things such as this.

As it is I'm looking at ~£900 for something as lowly as a Volkswagon Up! which has turned the shoestring into a bootlace (ps I'm not looking to insure such a car...)

Many thanks!!

[TooMany2cvs]

Classic insurance doesn't use NCB at all - but you might find that there's a mileage limit, or you need a daily on a non-classic policy.

[RSTurboPaul]

Cooperative Insurance Services were always cheapest when I were a lad (and offered Third Party Driving Other Cars cover, which many didn't) - might be worth a call.

[Henrico]

Yeah that's what AF said.

Do you mean these chaps? https://motor.co-operativeinsurance.co.uk

[Henrico]

I'm screwed! £1400 for a 1999 V70!

[MrAverage]

I lost all of my NCB a while back. I have now built up 1 year (i never kept a car long enough until now).

to put in bluntly, adding a claim and getting insurance without any NCB added almost fk all onto my quotes. that was on some sensible and some rather unsensible cars.

if you want to insure a subaru or something its gonna be costly regardless, if however your after a fiesta (or similar) you shouldnt have any issues.

i'm 25 now and in a so-so postcode (essex). i really didnt find it was too bad. vary your search, i would literally go on ebay/gumtree and just take 10-20 random plates and see what cars were sensible insurance and what ones were not.