I really need help with insurance

[mchenryg]

Hi all, I am a contract worker so I have not been with a compnay for longer than 8 months at a time over the past few years but I have always had a company car. What on earth can I do about insurance?
I have been quoted over £1100, I'm 33 and just about to get my 4.5lt. Is there a company out there that will accept non-consecutive years of driving??
HELP!!!!

[V8 Animal]

mchenryg said:

Hi all, I am a contract worker so I have not been with a compnay for longer than 8 months at a time over the past few years but I have always had a company car. What on earth can I do about insurance?
I have been quoted over £1100, I'm 33 and just about to get my 4.5lt. Is there a company out there that will accept non-consecutive years of driving??
HELP!!!!

Who've you rang?
Try hagerty,a-plan,mannings etc what you should be looking for is classic car insurance not your main stream insurers well that's what i found when i started shopping round.
Good Luck.
V8 Animal

[mchenryg]

i have tried these guys thanks. They all want consecutive NCB. arrggh.
But all is well I have paidthe deposit today and sorted insurance through Bewise for £900.
Its a great day!!!

[jimmyV8]

Well i am 23 and use hagerty, i have a second run around car which i use my no claims discount with. I paid £414 for my 98 Chimaera 400 last year and didnt use any no claims bonus just took driving experience into account.

[WOO5IE]

Speak to your insurance company and if you havent had any claims on your company car policy then they will give you NCB on the time you had a company car

I just had to get a letter from company stating that I didnt have any accidents for so many years

Got to be worth a try

Trev

[winters]

Fairly 'mainstream' but maybe try Bell Direct:

blurb from website... "Bell is a car insurance provider that specialises in providing cheaper car insurance for drivers with low No Claims Bonus. Bell recognises that many good drivers may have low No Claims Bonus through no fault of their own. So because Bell won't penalise you for having a low bonus you could pay less for your car insurance. You can get an online car insurance quote at bell.co.uk today or give us a Bell on 0800 118 1622."

They were still expensive for me but by far cheaper than all the other mainstream - by a factor of 2!

[mchenryg]

Thanks all. If i had another car, I could go with Hagerty's. If I had a garage, I could go with A Manning. If, if, if!!
£1k from Norwich U. I'm swallowing that for the time being. Time to enjoy my new purchase!!

[Pauls Trevor]

I found using confused.com and gocompare.com worked for me. They came out with at least one quote that was much better than the rest!

[nia198]

If you haven't driven a performance car before, the prices you quote are not out of line with what I found. I initally insured with Admiral (found through elephant.com) for 5k miles. However, when I came to push the mileage up it was significantly cheaper. If I did it all again, I would start with just 2k miles and then push it up when I reached this. I think much of the premium is that they think you will have an accident very early on, so paying for 2k and then pushing it up may be the way to go.

Good luck.. Nick

[mchenryg]

Thanks for all your help.

[stu 9thgate]

MSM insurance used my proof of driving a company car to give me 6 years no-claims bonus. Result !. it went from £1200 for ten months with bell insurance to £450 for 12 months including europe brake down cover with MSM. That was also st parked!. since then i am now im with haggerty (garaged) like most people on here.
MSM though where exellent and nice people to get started with with.

[VerySideways]

Just got lots of quotes, Hagerty were the cheapest at about £320 for 5k miles p.a.
UNTIL i spoke to A Manning, who did £293 through the TVRCC Classic scheme, which includes trackday cover and all sorts!!! Big thumbs up for A Manning, spoke to a chap called Lee who was very helpful.

[saxmund]

Have you tried Adrian Flux? They are a specialist broker and therefore have access to a wide range of insurers who might not have problems with garage/mileage/no second car etc - and who you wouldn't have direct access to, such as lloyd's syndicates. They fixed me up at a decent price despite being unemployed (apparently many insurers won't touch people without jobs, not sure why this should amount to an unensurable risk). Plus, you can get money off if you complete a Ride Drive course.