Insurance question - 3 own faults in 6 months

[elem]

Hi,

I hope this is the best forum to be posting this in.

A friend of mine has been driving for just over a year. In the past 6 months, he's managed to have three own fault accidents - two have involved him hitting someone from behind and the other one coming round a corner too fast and hitting an approaching learner driver.

None of them were particularly serious, but all three were reported to the insurance companies of the poor buggers who's cars he damaged, so will have to be declared when he renews.

I'm wondering if three accidents are going to push his premium up by a lot more than one or two accidents would? I'd expect him to be paying a pretty hefty premium when he renews but I know things don't always work like this. Can anyone offer any views as to whether he's going to get properly shafted or not?

Cheers,

Luke

[timsta]

Shouldn't cost him anything, 'cos nobody would insure him!

[Munter]

3 accidents in 6 months! I'd say his money was better spent on taxis, and a push bike. Less likely to die! Might want to take an advanced driving course/test....and find an insurer that'll take it into account.

Or get a daewoo matiz (or similar small engined car). But yes, i'd say his insurance will be V high.

[M@H]

that a healthy idle curiosity you've got for your mate's circumstances elem..

premium.. sky high I'm afraid as also no NCB any more of course..

Cheers,
Matt

[gRsf12]

a cheesy tv ad may have said:

"Quote me unhappy"

[mcflurry]

loss of NCD is worth the usual 40-60% or so, then the 5% loading for the first claim on top. Not looking good i'm afraid

[slinksport]

After two total loss's (that were my own fault) it ended up costing me £1300 to insure a 1.4 L reg Escort..

So I dare say that 3 crashes as described will make things hellishly expensive!

Drop me a line with all of the details and I'll try to give you a rough ball park..

W

Edited to add : After those three months I changed massively, in both driving style and character.. Proved I'm not immortal, and crashing isn't good!

>> Edited by slinksport on Thursday 3rd June 15:41

[gh0st]

Cant really sympathise.

Only had 1 own fault in over 250,000 miles of driving over 7 years and that was on a bike and because I was knowingly being a at the time. I learnt from that and have been more careful ever since.

If I had 3 own faults in any less than 2 years I would be taking further driving improvement lessons.

Simple as.

Best to save the money and take some form of driving course. IAM or RoSPA maybe?

Ps. I am only 24 with a bike and car license. Been riding / driving since I was 17.

[elem]

M@H said:

that a healthy idle curiosity you've got for your mate's circumstances elem.. Matt

I knew it would come out looking like that.

I'm actually celebrating that my insurance is, for the first time ever, under £500 for the year.

Dan, the guy who crashes a lot, is on his mum's insurance as he's finishing uni this year. Next year he has to get his own for the first time. Something tells me that he isn't going to be so lucky

[elem]

Munter said:

Might want to take an advanced driving course/test....and find an insurer that'll take it into account.

That's a good idea, I think I will suggest a Pass Plus course to him.

Insurance aside, it might prevent so many accidents in future!

[jacko lah]

slinksport said:

After two total loss's (that were my own fault) it ended up costing me £1300 to insure a 1.4 L reg Escort.. So I dare say that 3 crashes as described will make things hellishly expensive! W Edited to add : After those three months I changed massively, in both driving style and character.. Proved I'm not immortal, and crashing isn't good!

With 18 years of no claims I had 3 accidents (on my protected no claims bonus) in 2 years. The first and last were my fault (apparently) and total losses. The middle one was NOT (After it went to the small claims and X type twat lost). My insurance went from £269 full comp on a 1.4 astra to £374 fully comp on a mk2 cav cdi, but after getting a few more quotes I've got a good deal via AMICUS and Frizzel of £281 fully comp (protected).

I'd say keep trying until someone realises that having had so many accidents you are likely to be a better risk. (I know I am cause I've stopped taking things for granted)

[slinksport]

That was a few years ago now... I'm only (only he says!) paying about £380 now, but that is on a group 3 car

[edc]

why don't you run these fresh details through something like confused.com or insuresupermarket.com to see how the premium turns out ??

[Graham lunn]

Hi I am an insurance broker specialising in motor, as other people have suggested, I doubt that most insurers would want to know, there are specialist insurers who might do it but would you want a driver who has had 3 fault accidents in less than a year?

[elem]

edc said:

why don't you run these fresh details through something like confused.com or insuresupermarket.com to see how the premium turns out ??

A good idea!

I don't have quite all his details, he lives in London and I've put this down as Gravesend, where I live as I don't know his address. Here are the results


QUOTE-A-CAR £1216.07
BUDGET/Sabre £1274.85
QUOTE-A-CAR/Sabre £1462.70
QUOTE-A-CAR/Fortis £1489.61
DIRECT CHOICE/Fortis £1491.41
DIRECT CHOICE/Sabre £1584.45
DIRECT CHOICE/Zenith £1983.84

CHURCHILL unable to quote for 3+ claims
MASTERQUOTE unable to quote 1 driver needs full lic
MORE TH>N unable to quote full lic > 1 yr required
NORWICH UNION DIRECT unable to quote for claims history
SCREENTRADE.CO.UK unable to quote non eec licence holders
KWIK-FIT insurer unable to quote for your details
DIRECT LINE insurer opted out. click name for info
ESURE insurer opted out. click name for info

This was based upon:

- M reg Ford Fiesta 1.1
- Two drivers, both students, one has been driving for a 1.5 years and has 3 claims, one is on a provisional license
- car parked on the street
- no NCB (obviously)