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[cambscdxv6]

Hello all from a new member !!

i recently purchased a very tidy 1999 v6 CDX estate auto but have been met by a brick wall on insurance i am horrified by the cost roughly twice as much as the car is worth with an excess just shy of the car value.  Im in my thirties with a clean licence but no ncd due to being a company car driver for 12 years,  any suggestions or reccomendation of insurers that can offer a good deal ??

[RobG]

Hello all from a new member !!

i recently purchased a very tidy 1999 v6 CDX estate auto but have been met by a brick wall on insurance i am horrified by the cost roughly twice as much as the car is worth with an excess just shy of the car value.  Im in my thirties with a clean licence but no ncd due to being a company car driver for 12 years,  any suggestions or reccomendation of insurers that can offer a good deal ??

Due to that, you`ll struggle to get a decent quote for a group 15 motor

[Andy B]

Hello all from a new member !!

i recently purchased a very tidy 1999 v6 CDX estate auto but have been met by a brick wall on insurance i am horrified by the cost roughly twice as much as the car is worth with an excess just shy of the car value.  Im in my thirties with a clean licence but no ncd due to being a company car driver for 12 years,  any suggestions or reccomendation of insurers that can offer a good deal ??

Due to that, you`ll struggle to get a decent quote for a group 15 motor

But most insurance companies will allow for ex-company car drivers not having their own ncd & give a decent introductory price. We had this year ago when SWMBO got her own car till I said that she's been driving for years but on my insurance.

[VXL V6]

When I changed jobs and no longer had a company car I managed to get the original company to write a letter confirming that I had never had an accident or insurance claim on their policy for the seven years that I was the driver of company cars (nb. can't be pool cars). Direct Line and Norwich Union (Think they are Aviva now) would accept that as proof of no claims and granted me the equivilent on their policy quotes.

This is going back a while now though, but worth a try. 

[cambscdxv6]

its such a shame the car is a beauty great to drive and hardly used as a rally car but its the old story of check before you buy i guess

[cambscdxv6]

well yeah i drove comp car for 12 years but opted out due to tax cost so cab get a letter still worth a try i guess might get the price down a bit !!! thanks for the suggestion

[Andy B]

its such a shame the car is a beauty great to drive and hardly used as a rally car but its the old story of check before you buy i guess

How are you getting quotes? I think you'd be better off phoning brokers & explaining your circumstances rather than confused.com/etc 

[jimac]

I'll second the point about getting a letter from your employer or fleet manager.  Many people have dropped out of company car schemes over the last few years so the insurers are used to this situation.  I got a letter from my employers when I did this about 5 years ago and it was accepted as proof of no claims.

Jim.

[omega2.2auto]

had the same problem,had my own buisness and accrued a no claims bonus,after the garage going tits up at xmas i had to insure my own car £345 46 yrs old 5 yrs ncd thought minted.provided proof from last ins co.AVIVA replied saying computer says no,we cant accept that because its a traders policy.grrrrrrrr therefore they quoted me from a jump from £34 a month to £82 per month nearly £600 dearer rip off so choose carefully and thats afer paying nearly £15000 for insurance for the garage.go without it only costs you £150 and 6 points lol

[aaronjb]

I'm also in my 30s with a clean licence, and with 1yrs NCB (my NCB is on my other cars policy sadly, so this is after 'mirroring' the NCB over last year) it still costs me £615 to insure the Elite - that's TPF&T too!

I'm sure it's all part of a ploy to get us to trade in/crush old cars and buy something new instead, which would undoubtedly be cheaper to insure.

[Osprey]

Have you tried putting your Mum on as an additional driver?  (Or any other person of mature years, preferably female.)  Even if she will never actually drive the car it seems to reduce the premium. 

Also worth trying fully comp as this can sometimes be cheaper than TPF&T - sounds daft but true in my experience. 

[aaronjb]

Also worth trying fully comp as this can sometimes be cheaper than TPF&T - sounds daft but true in my experience. 

I've had that before, too - but not this year.. perhaps they've wised up to that, but the best I could do was £900 FC - and it doesn't seem worth paying that to insure an Omega, somehow.

[TheBoy]

I'm also in my 30s with a clean licence, and with 1yrs NCB (my NCB is on my other cars policy sadly, so this is after 'mirroring' the NCB over last year) it still costs me £615 to insure the Elite - that's TPF&T too!

I'm sure it's all part of a ploy to get us to trade in/crush old cars and buy something new instead, which would undoubtedly be cheaper to insure.

I insisted my insurance company give me full NCD on my 2nd car when I first got it. After about 30mins negotiation, they agreed - though that was around 4yrs ago. So I now have full NCD on both 'my' cars and Mrs TB has full NCD on hers as well.

[Bent valve]

I'll second the point about getting a letter from your employer or fleet manager.  Many people have dropped out of company car schemes over the last few years so the insurers are used to this situation.  I got a letter from my employers when I did this about 5 years ago and it was accepted as proof of no claims.
Jim.

Yup, same here. Get a letter, or write one yourself

[SteveAvfc.]

I am 50 yrs old have ten yrs+ protected no claims and More than quoted me £959 Fully comp got it down to £368 with swift cover using web site but with them you only get basic extras, but in fairness you have to weigh this against the cost and cost wins for me every time.