Help on insurance.

[Deano_G60 0]

i dunno how to go about my insurance maybe someone here can help?

 

ive been driving for 2 years the end of jan next year but on company insurance,

but ive have 3 minor accidents 1 non fault 2 fault claims which where claimed on company insureance, now as i do not deal with the company insurance i don't know any details like damage cost or claim dates so i don't know if i have to declair them when i take out my own policy or not, and if i do how i go about doing it cuz i don't know any of the details meh its all so damn confusing! lol

 

any help advice would be good

 

thanx in advance.

 

Deano.

[Crispy 0]

Deano_G60, You have a choice of whether to be naughty.

By law, you should inform your insurance company of all claims, convictions, accidents or losses etc in the last 5 years. However, they mostly only keep info for 3 years, so after 3 they probably wont find out. Also, the finding out bit involves them sharing their info, which isn't as common as they'd have you believe. That means that your company insurance history is very unlikely to have been published.

You should be able to find find out all info on anything you have been involved in at work, (if you do wish to tell them) as your boss or accountants should know where to get it.

Please don't do it if you think it's a risk, but my company insurance history wasn't reported when I was last insured, and I didn't feel it was a risk. Also - some insurance companies will now treat company ins. as 'no claims', so if your claims were more than a year ago maybe its worth telling them anyway, for the discount.

 

Finally - read this from my bro - http://www.the-corrado.net/.archive/forum/viewto ... ht=#256417

[martinb 0]

Always disclose everything to be on the safe side. I dont deal with i t personally but i frequently hear people from our customer services dept calling people back who have not disclosed information.

 

All the info you give is entered onto the motor insurers database used by the police and other insurers. If people do not disclose (its not checked out by us the broker but by our underwriters) often the underwriters will find out and get back to us to notify us that you have not disclosed information on a recorded call, sometimes they want extra money, sometimes they void the insurance and often they will then refuse to reinsure you as you didnt tell them in the first place! :(

 

What year is the car? We insure a lot of the older models on Classic Policies..... 8)

 

Martin :)

[Deano_G60 0]

cheers for the help guys.

 

the year of my C is 1992.

 

yeah will need to find out all the info from my work then. meh what a mission lol

 

thanx again.

[martinb 0]

Cool

 

our Classic policies are cars 15years old or older so it will qualify in the new year!! 8)

[Deano_G60 0]

any ideas on prices cuz i turn 21 in march as well so that should drop it down some more,

 

i done an online quote with elephant.co.uk (with out naming the claims due to not knowing the info at the time just to get an idea) and that came out at Total Premium: £1949.11 third party, fire and theft which i though was good cuz the cheapest i had so far was £2000 with adrian flux (again with out the claims).

[martinb 0]

any ideas on prices cuz i turn 21 in march as well so that should drop it down some more,

 

i done an online quote with elephant.co.uk (with out naming the claims due to not knowing the info at the time just to get an idea) and that came out at Total Premium: £1949.11 third party, fire and theft which i though was good cuz the cheapest i had so far was £2000 with adrian flux (again with out the claims).

 

Feel free to PM me your number buddy and i will ring you and see if i can do any better. Wont be until Sat tho cos i have the day off tomorrow! 8)

[Deano_G60 0]

lol alright for some :-P

Wont be until Sat tho cos i have the day off tomorrow! 8)

lol

[martinb 0]

lol alright for some :-P

Wont be until Sat tho cos i have the day off tomorrow! 8)

lol

 

Yeah right, its pay day and funnily enough my G/f wants me to take her shopping lol! :lol:

[Deano_G60 0]

ooooooooo ouch wallet gunna feel it tomorrow then :-P

 

when women get going they shop till they drop or worse run out of money lol

[mattosmond 0]

if its going to be £2000 is it really worth it?

the car isn't worth enough is it?

good luck in your search... try admiral and tesco can be quite good sometimes!

[Deano_G60 0]

cheers mate,

 

well i think its silly money myself but at the end of the day its eaither pay it and drive my superchaged dub or sell it and get a 1.2 corsa with cheap insurance and to be fair i know which i prefer :-P :D

[mattosmond 0]

exactly!!! it's just a shame that insurance companies like to rape young drivers!!!! there really should be some kind of investigation into their ridiculous prices....

[Deano_G60 0]

tell me about it, such a kill joy :|

[martinb 0]

cheers mate,

 

well i think its silly money myself but at the end of the day its eaither pay it and drive my superchaged dub or sell it and get a 1.2 corsa with cheap insurance and to be fair i know which i prefer :-P :D

 

thats why i suggested the classic policy mate...hopefully it should be a lot cheaper! 8)

[martinb 0]

exactly!!! it's just a shame that insurance companies like to rape young drivers!!!! there really should be some kind of investigation into their ridiculous prices....

 

no need for an investigation, unfortunatly it has been proven loads of times that young drivers have more crashes hence pay more insurance! It sucks but thats the way it goes unfortunatly...... :(

[g60greeny 0]

cheers mate,

 

well i think its silly money myself but at the end of the day its eaither pay it and drive my superchaged dub or sell it and get a 1.2 corsa with cheap insurance and to be fair i know which i prefer :-P :D

 

thats why i suggested the classic policy mate...hopefully it should be a lot cheaper! 8)

 

with a classic policy would any mods make a difference?would it have to be standard?milage?might be interested in a classic policy next year if its cheaper than what brentacre are doin :D

[martinb 0]

Our classic policies allow mods (apart from NOS!!! :lol: ) usually not much difference in premium but depends on the mods.

 

Has to be less than 7500miles per year.

 

Martin :)

[g60greeny 0]

thats me qualified :D

[martinb 0]

oh also the car has to be 15yrs old or older, and is much cheaper if you also own another car :)

[g60greeny 0]

even better, an excuse to get another motor :lol:

[Deano_G60 0]

I drive a company van as well does that count? lol

[martinb 0]

I drive a company van as well does that count? lol

 

actually yeah! 8)

[Crispy 0]

I'll be on to you next summer then martinb, and I will of course disclose all info.... :silent:

[martinb 0]

I'll be on to you next summer then martinb, and I will of course disclose all info.... :silent:

 

no worries matey!! :lol: