Insurance in the UK?
Discussion
Hi guys, I'm coming over to the UK in the next few months and am researching cars and prices like crazy to prepare. My question is in regards to insurance. I am 34, No Accidents or fines and have a maximum 60-70% (depending on the company) Rating 1 which is the best you can get here.
I have seen that in the UK you have insurance groups ie an Mitsubishi Evo is Group 20 but also the No Claims Bonus Ranks from 1-10. Which would I be? Also what do I need to bring with me to ensure I get the maximum rating and discount? Is a copy of my current policy here showing Rating 1 enough?
Also is there a site which lists the Insurace groups for the cars? Is there much difference in going up 1 group in premiums for the same priced cars?
Cheers.
I have seen that in the UK you have insurance groups ie an Mitsubishi Evo is Group 20 but also the No Claims Bonus Ranks from 1-10. Which would I be? Also what do I need to bring with me to ensure I get the maximum rating and discount? Is a copy of my current policy here showing Rating 1 enough?
Also is there a site which lists the Insurace groups for the cars? Is there much difference in going up 1 group in premiums for the same priced cars?
Cheers.
Edited by Big Tav on Sunday 29th August 03:06
Big Tav said:
Hi guys, I'm coming over to the UK in the next few months and am researching cars and prices like crazy to prepare. My question is in regards to insurance. I am 34, No Accidents or fines and have a maximum 60-70% (depending on the company) Rating 1 which is the best you can get here.
I have seen that in the UK you have insurance groups ie an Mitsubishi Evo is Group 20 but also the No Claims Bonus Ranks from 1-10. Which would I be? Also what do I need to bring with me to ensure I get the maximum rating and discount? Is a copy of my current policy here showing Rating 1 enough?
Also is there a site which lists the Insurace groups for the cars? Is there much difference in going up 1 group in premiums for the same priced cars?
Cheers.
If you've never had insurance in the UK then you'll have 0 no claims bonus. Insurance groups are really just a guide, the price can vary for all sorts of reasons including whether you have a vagina and how much car crime is reported in your postcode. They are literally able to make up a price on the spot so it's best to shop around.I have seen that in the UK you have insurance groups ie an Mitsubishi Evo is Group 20 but also the No Claims Bonus Ranks from 1-10. Which would I be? Also what do I need to bring with me to ensure I get the maximum rating and discount? Is a copy of my current policy here showing Rating 1 enough?
Also is there a site which lists the Insurace groups for the cars? Is there much difference in going up 1 group in premiums for the same priced cars?
Cheers.
Some companies will give an introductory NCD based on your driving history.
Some companies will not be too keen on your lack of UK driving experience, but the fact that you're used to keeping left should help.
My guess is that you may be better off with talking to a person instead of a computer, and preferably not a call centre, since most of the operatives there will only go by what the computer says.
Some companies will not be too keen on your lack of UK driving experience, but the fact that you're used to keeping left should help.
My guess is that you may be better off with talking to a person instead of a computer, and preferably not a call centre, since most of the operatives there will only go by what the computer says.
Companies will honour NCB earned overseas, at least they did honour my 3 years in Germany although they might be funny about insurance from outside the EU. Ask your insurance company if they'll provide a letter showing you have driven for X years with no claims and accident, at least you'll have it if you find UK companies will honour them.
Cheers.
[/quote]
If you've never had insurance in the UK then you'll have 0 no claims bonus. Insurance groups are really just a guide, the price can vary for all sorts of reasons including whether you have a vagina and how much car crime is reported in your postcode. They are literally able to make up a price on the spot so it's best to shop around.
[/quote]
yes they do, ignore the above and bring written proof
To be honest op it will vary per insurer if they accept ncb from another country its best to ring and ask before you set up the policy rather than presume.
Most will accept if its an insurer within the EU and generally would request the ncb proof be written in English.
Again as i said it will vary per insurer.
Most will accept if its an insurer within the EU and generally would request the ncb proof be written in English.
Again as i said it will vary per insurer.
I had a similar problem last year.
Had to insure an e39 M5, the only company that would look at non-UK NCD with a non-UK driving licence was Heritage Insurance who used Aviva.
Looking at renewal quotes for this year, Norton are still the cheapest (using Aviva).
I’d get some quotes before looking at cars. I’m 33, last years premium was £2300 this year is £1900. Not cheap.
ETA: Was Heritage not Norton. Oops.
Had to insure an e39 M5, the only company that would look at non-UK NCD with a non-UK driving licence was Heritage Insurance who used Aviva.
Looking at renewal quotes for this year, Norton are still the cheapest (using Aviva).
I’d get some quotes before looking at cars. I’m 33, last years premium was £2300 this year is £1900. Not cheap.
ETA: Was Heritage not Norton. Oops.
Edited by NotSoSure on Sunday 29th August 20:36
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