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    • Kris35
    • By Kris35 10th Sep 17, 2:38 PM
    • 43Posts
    • 4Thanks
    Kris35
    Lost 20 years NCB as not been driving for 5 years?
    • #1
    • 10th Sep 17, 2:38 PM
    Lost 20 years NCB as not been driving for 5 years? 10th Sep 17 at 2:38 PM
    Hi all,

    I don't drive many miles a year but someone is giving me a car that's worth only around 200 pounds - it's got 50 K on the clock in good nick but has a dent in the rear hence friend giving it to me as he wants to get rid of it asap as his insurance is due. and he has another car.

    Been through all the comparison sites and the average cos to insure this car is £1500!!

    I have lost all my no claims bonuses because I haven't driven in five years but I think this is a rip off. Never made an insurance claim in my life. Is there any way around this? Thanks.
Page 1
    • Quentin
    • By Quentin 10th Sep 17, 2:47 PM
    • 33,319 Posts
    • 17,241 Thanks
    Quentin
    • #2
    • 10th Sep 17, 2:47 PM
    • #2
    • 10th Sep 17, 2:47 PM
    No way to get that NCD back (but think how much you saved not buying any policies for the last 5 years.


    See if a local broker (not Swinton) can get you an introductory discount
    • AnotherJoe
    • By AnotherJoe 10th Sep 17, 2:54 PM
    • 7,602 Posts
    • 8,204 Thanks
    AnotherJoe
    • #3
    • 10th Sep 17, 2:54 PM
    • #3
    • 10th Sep 17, 2:54 PM
    Is that for third party only?
    • Kris35
    • By Kris35 10th Sep 17, 3:16 PM
    • 43 Posts
    • 4 Thanks
    Kris35
    • #4
    • 10th Sep 17, 3:16 PM
    • #4
    • 10th Sep 17, 3:16 PM
    Thanks Q. Yes, third party only.
    • Quentin
    • By Quentin 10th Sep 17, 3:18 PM
    • 33,319 Posts
    • 17,241 Thanks
    Quentin
    • #5
    • 10th Sep 17, 3:18 PM
    • #5
    • 10th Sep 17, 3:18 PM
    Try comprehensive quotes - usually cheaper than third party cover
    • Kris35
    • By Kris35 10th Sep 17, 3:36 PM
    • 43 Posts
    • 4 Thanks
    Kris35
    • #6
    • 10th Sep 17, 3:36 PM
    • #6
    • 10th Sep 17, 3:36 PM
    Just seen there are agencies that cater for this sort of thing so will try them.
    • AnotherJoe
    • By AnotherJoe 10th Sep 17, 5:10 PM
    • 7,602 Posts
    • 8,204 Thanks
    AnotherJoe
    • #7
    • 10th Sep 17, 5:10 PM
    • #7
    • 10th Sep 17, 5:10 PM
    Wow I'm gobsmacked! Maybe try a broker ?
    • Kris35
    • By Kris35 10th Sep 17, 5:30 PM
    • 43 Posts
    • 4 Thanks
    Kris35
    • #8
    • 10th Sep 17, 5:30 PM
    • #8
    • 10th Sep 17, 5:30 PM
    I'm tired of the way these companies take the pee like this. If it's not the energy companies or the banks, it's insurers - all out to make their company rich and stuff the rest of us.
    • eskbanker
    • By eskbanker 10th Sep 17, 5:44 PM
    • 5,818 Posts
    • 5,711 Thanks
    eskbanker
    • #9
    • 10th Sep 17, 5:44 PM
    • #9
    • 10th Sep 17, 5:44 PM
    Adding another named driver (e.g. a partner or family member) may help if applicable.

    It might seem ridiculous that insurance is significantly more than the value of the car but of course if you ran into a third party then you'd do just as much damage with a £200 car as one valued at £20000....
    • Aretnap
    • By Aretnap 10th Sep 17, 6:07 PM
    • 2,822 Posts
    • 2,321 Thanks
    Aretnap
    It might seem ridiculous that insurance is significantly more than the value of the car but of course if you ran into a third party then you'd do just as much damage with a £200 car as one valued at £20000....
    Originally posted by eskbanker
    Perhaps more, as a 20 year old banger won't have modern safety features, and is more likely to be in poor mechanical condition than a new car. So it's not unusual for very low value cars to be more expensive to insure than a new car.
    • agrinnall
    • By agrinnall 11th Sep 17, 4:24 PM
    • 18,547 Posts
    • 14,274 Thanks
    agrinnall
    As you've managed for the last 5 years without a car, do you really need one now? If not then simply decline to accept it and let your friend work out what to do with it. I can't see why you should be hit with a huge bill for taking on a pile of junk.
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