Ditched 90 - Insurance Offer

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M

Mark Solesbury

Guest
Afternoon!

Just got back of my hols (Kos) and ive had an insurance offer for my 90
- after i rejected the 1st one.

They have offered £3600 - Excess (450) - Salvage (500).

That should leave me with enough to get it on the road again... Let the
repairs begin!

One question though - I only have/had 2 real years no claims. After this
claim, i loose 2 so that takes me back to zero no claims bonus.

I have however been driving a company car for the last 3 years - Is
there any way that i can get this to count? Any advice? I dont want to
pay a grand for insurance again :(... Im 24 if that helps?


--
Mark
90 90 200tdi - Ditched :(
87 RR V8 EFI - Sorn'd

http://www.mozilla.com/firefox/ - Firefox Rules!
http://fireftp.mozdev.org/ - FTP Plugin for Firefox
 

"Mark Solesbury" <[email protected]> wrote in message
news:[email protected]...
: Afternoon!
:
: Just got back of my hols (Kos) and ive had an insurance offer for my 90
: - after i rejected the 1st one.
:
: They have offered £3600 - Excess (450) - Salvage (500).
:
: That should leave me with enough to get it on the road again... Let the
: repairs begin!
:
: One question though - I only have/had 2 real years no claims. After this
: claim, i loose 2 so that takes me back to zero no claims bonus.
:
: I have however been driving a company car for the last 3 years - Is
: there any way that i can get this to count? Any advice? I dont want to
: pay a grand for insurance again :(... Im 24 if that helps?

Mark,

when I went from 8 years on company motors to my own policy, they took that
into account and gave me a full no claims, because I could prove no prangs
in company motors.

NFU were quite good for that (although it is 4 years ago now that I did it)

Most companies ask about company car history too, so i presume that there is
something in it.

Si


 
> One question though - I only have/had 2 real years no claims. After this
> claim, i loose 2 so that takes me back to zero no claims bonus.
>
> I have however been driving a company car for the last 3 years - Is
> there any way that i can get this to count? Any advice? I dont want to
> pay a grand for insurance again :(... Im 24 if that helps?

Some companies will take it into account - yes. You will of course have
to declare the claim you have just made to your next insurer, so I'm not
sure how that would stand "I have 3 years no claims, but oh yes I made a
claim last year!" Not sure how they would work with that one!? tho
there might be something they could sort out.

Matt

 
On or around Thu, 06 Jul 2006 13:27:15 +0100, Mark Solesbury
<[email protected]> enlightened us thusly:

>Afternoon!
>
>Just got back of my hols (Kos) and ive had an insurance offer for my 90
>- after i rejected the 1st one.
>
>They have offered £3600 - Excess (450) - Salvage (500).
>
>That should leave me with enough to get it on the road again... Let the
>repairs begin!
>
>One question though - I only have/had 2 real years no claims. After this
>claim, i loose 2 so that takes me back to zero no claims bonus.
>
>I have however been driving a company car for the last 3 years - Is
>there any way that i can get this to count? Any advice? I dont want to
>pay a grand for insurance again :(... Im 24 if that helps?

insurance is a pain in the arse, these days. each policy has its own NCD,
and if you start a new policy you can usually only get an introductory
discount if you're lucky, even if you've been claim-free for years on other
policies.
--
Austin Shackles. www.ddol-las.net my opinions are just that
"Where they make a desert they call it peace" Tacitus (c.55 - c.117)
Agricola, 30
 
In message <[email protected]>, Mark Solesbury
<[email protected]> writes
>Afternoon!
>
>Just got back of my hols (Kos) and ive had an insurance offer for my 90
>- after i rejected the 1st one.
>
>They have offered £3600 - Excess (450) - Salvage (500).
>
>That should leave me with enough to get it on the road again... Let the
>repairs begin!
>
>One question though - I only have/had 2 real years no claims. After
>this claim, i loose 2 so that takes me back to zero no claims bonus.
>
>I have however been driving a company car for the last 3 years - Is
>there any way that i can get this to count? Any advice? I dont want to
>pay a grand for insurance again :(... Im 24 if that helps?
>
>
Being 24 definitely does NOT help.


--
hugh
Reply to address is valid at the time of posting
 

"Mark Solesbury" <[email protected]> wrote in message
news:[email protected]...
> Afternoon!
>
> Just got back of my hols (Kos) and ive had an insurance offer for my 90 -
> after i rejected the 1st one.
>
> They have offered £3600 - Excess (450) - Salvage (500).
>
> That should leave me with enough to get it on the road again... Let the
> repairs begin!
>
> One question though - I only have/had 2 real years no claims. After this
> claim, i loose 2 so that takes me back to zero no claims bonus.
>
> I have however been driving a company car for the last 3 years - Is there
> any way that i can get this to count? Any advice? I dont want to pay a
> grand for insurance again :(... Im 24 if that helps?

Why would you be claiming on the insurance then if you ditched it (by that I
am assuming no one else is involved.. )
Just buy the appropriate panels and bolt them on, the less the insurance
company knows the better. ;)


--
Andy


 

"Fuzzy" <[email protected]> wrote in message
news:[email protected]...
>
> "Mark Solesbury" <[email protected]> wrote in message
> news:[email protected]...
>> Afternoon!
>>
>> Just got back of my hols (Kos) and ive had an insurance offer for my 90 -
>> after i rejected the 1st one.
>>
>> They have offered £3600 - Excess (450) - Salvage (500).
>>
>> That should leave me with enough to get it on the road again... Let the
>> repairs begin!
>>
>> One question though - I only have/had 2 real years no claims. After this
>> claim, i loose 2 so that takes me back to zero no claims bonus.
>>
>> I have however been driving a company car for the last 3 years - Is there
>> any way that i can get this to count? Any advice? I dont want to pay a
>> grand for insurance again :(... Im 24 if that helps?
>
> Why would you be claiming on the insurance then if you ditched it (by that
> I am assuming no one else is involved.. )
> Just buy the appropriate panels and bolt them on, the less the insurance
> company knows the better. ;)

Agreed
--
Jon


 
>> Why would you be claiming on the insurance then if you ditched it (by that
>> I am assuming no one else is involved.. )
>> Just buy the appropriate panels and bolt them on, the less the insurance
>> company knows the better. ;)
>
> Agreed
> --
> Jon
>
>

It needs bulkhead attention, wing, roof and sides, both doors,
windscreen + surround.

That all costs money, which i dont have!

Mortgage comes first :(


--
Mark
90 90 200tdi - Ditched :(
87 RR V8 EFI - Sorn'd

http://www.mozilla.com/firefox/ - Firefox Rules!
http://fireftp.mozdev.org/ - FTP Plugin for Firefox
 
Mark Solesbury <[email protected]> uttered summat worrerz funny
about:
> It needs bulkhead attention, wing, roof and sides, both doors,
> windscreen + surround.
>
> That all costs money, which i dont have!
>
> Mortgage comes first :(

When my Rangie got stuffed the other guys insurance coughed up. I trawled
Auto trader and got a average price for Rangies of the same year and similar
condition. They offered quite a bit lower initially, I got very blunt on the
phone. I explained that I'd be happy to discuss the matter in court and
pointed him to the ads on autotrader, explained I wasn't after a free meal
and that I didn't ask for my car to be stuffed in the first place. A while
later he came back with the average I quoted to him and we agreed to settle
at that.

Guess what I'm saying is make sure it reflects the replacement value.

Lee D


 

"Mark Solesbury" <[email protected]> wrote in message
news:[email protected]...
>>> Why would you be claiming on the insurance then if you ditched it (by
>>> that I am assuming no one else is involved.. )
>>> Just buy the appropriate panels and bolt them on, the less the insurance
>>> company knows the better. ;)
>>
>> Agreed
>> --
>> Jon
>
> It needs bulkhead attention, wing, roof and sides, both doors, windscreen
> + surround.
>
> That all costs money, which i dont have!
>
> Mortgage comes first :(

Loss of no-claims and higher insurance premium is the price you will have to
pay, gets you either way :(
--
Jon


 
My Brother transferred his wife's NCD to his own policy and left her with
none.


"Mark Solesbury" <[email protected]> wrote in message
news:[email protected]...
> Afternoon!
>
> Just got back of my hols (Kos) and ive had an insurance offer for my 90 -
> after i rejected the 1st one.
>
> They have offered £3600 - Excess (450) - Salvage (500).
>
> That should leave me with enough to get it on the road again... Let the
> repairs begin!
>
> One question though - I only have/had 2 real years no claims. After this
> claim, i loose 2 so that takes me back to zero no claims bonus.
>
> I have however been driving a company car for the last 3 years - Is there
> any way that i can get this to count? Any advice? I dont want to pay a
> grand for insurance again :(... Im 24 if that helps?
>
>
> --
> Mark
> 90 90 200tdi - Ditched :(
> 87 RR V8 EFI - Sorn'd
>
> http://www.mozilla.com/firefox/ - Firefox Rules!
> http://fireftp.mozdev.org/ - FTP Plugin for Firefox


 
Try getting a quote from Norwich Union - they seem to be very cheap on LRs.

I'm only 19 and have a policy on a Disco in my own name, £1200 for the year
with 0 no claims.

As you're 24, that should be considerably less!


"jOn" <[email protected]> wrote in message
news:[email protected]...
>
> "Mark Solesbury" <[email protected]> wrote in message
> news:[email protected]...
>>>> Why would you be claiming on the insurance then if you ditched it (by
>>>> that I am assuming no one else is involved.. )
>>>> Just buy the appropriate panels and bolt them on, the less the
>>>> insurance company knows the better. ;)
>>>
>>> Agreed
>>> --
>>> Jon
>>
>> It needs bulkhead attention, wing, roof and sides, both doors, windscreen
>> + surround.
>>
>> That all costs money, which i dont have!
>>
>> Mortgage comes first :(
>
> Loss of no-claims and higher insurance premium is the price you will have
> to pay, gets you either way :(
> --
> Jon
>


 
On Sat, 08 Jul 2006 14:44:11 +0100, Richard Wilkinson <[email protected]>
wrote:

> ...
> I'm only 19 and have a policy on a Disco in my own name, £1200 for the
> year
> with 0 no claims.

Ouch!

> As you're 24, that should be considerably less!

So, there are benefits to age.

--
William Tasso

Land Rover - 110 V8
Discovery - V8
 
On Sat, 08 Jul 2006 17:23:36 +0100, "William Tasso"
<[email protected]> wrote:

>On Sat, 08 Jul 2006 14:44:11 +0100, Richard Wilkinson <[email protected]>
>wrote:
>
>> ...
>> I'm only 19 and have a policy on a Disco in my own name, £1200 for the
>> year
>> with 0 no claims.
>
>Ouch!
>
>> As you're 24, that should be considerably less!
>
>So, there are benefits to age.

The only good thing that i noticed about turning 25 was that insurance
got cheaper!

Until i was 25 i found that NU and lancaster classic insurance were
the cheapest.
 
Tom Woods wrote:

> The only good thing that i noticed about turning 25 was that insurance
> got cheaper!

Every time I reached a significant birthday hoping for some relief
they changed the rules!
 
"Dougal" <DougalAThiskennel.free-online.co.uk> wrote in message
news:[email protected]...

> Every time I reached a significant birthday hoping for some relief they
> changed the rules!

I didn't think you were that way inclined..... oh retirement, why didn't you
say ;-)

Lee D


 
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