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  • FIRST POST
    • emsybaby
    • By emsybaby 4th Oct 17, 1:06 PM
    • 26Posts
    • 4Thanks
    emsybaby
    Car Insurance - Discharged Bankrupt
    • #1
    • 4th Oct 17, 1:06 PM
    Car Insurance - Discharged Bankrupt 4th Oct 17 at 1:06 PM
    I'm debating getting a car & wondering if i can get bog standard car insurance or whether i have to inform them of my previous bankruptcy. I was discharged in 2010 so it's now off my credit file. I know some insurers ask if anyone has ever been bankrupt but many don't even mention it.
    Just looking for tips on what to look out for & recommendations. Don't want to get caught out.
Page 1
    • MEM62
    • By MEM62 4th Oct 17, 3:09 PM
    • 1,356 Posts
    • 970 Thanks
    MEM62
    • #2
    • 4th Oct 17, 3:09 PM
    • #2
    • 4th Oct 17, 3:09 PM
    As per all aspects of arranging insurance coverage, you can only answer the questions asked when obtaining the quote. If you are not asked about bankruptcy then I would not be volunteering the information. If however the question is asked you should respond honestly.
    • Mollie_Guinness15
    • By Mollie_Guinness15 4th Oct 17, 4:41 PM
    • 160 Posts
    • 82 Thanks
    Mollie_Guinness15
    • #3
    • 4th Oct 17, 4:41 PM
    • #3
    • 4th Oct 17, 4:41 PM
    I'm using Hastings and they've never asked and are competitive.
    • Somerset La La La
    • By Somerset La La La 6th Oct 17, 4:53 PM
    • 400 Posts
    • 109 Thanks
    Somerset La La La
    • #4
    • 6th Oct 17, 4:53 PM
    • #4
    • 6th Oct 17, 4:53 PM
    EUI group weren't competitive as soon as they credit searched me (but a fake name, same address & accident details etc and they were the cheapest!).

    Recently moved house. Used the new house with my real details, obviously no credit link yet, and it's over £500 cheaper - that can't just be from moving area!

    I have a feeling my price will be hiked next year!!

    But yes as above, you can only answer what they ask. Most insurance companies appear to soft-search nowadays for fraud prevention (and pricing it seems!) - whether you ask for monthly instalments or not, so they're probably going to know you were.
    Ex-Bankrupt, Discharged 09/2015
    Cap1 Platinum - Jul 2016, £4,000.... Consolidation game!
    Aqua Reward (0.5% Cashback) - Nov 2016 - £1,950
    Vanquis Chrome 24.7% - July 2017, £1,000
    Car Loan - Sept 2017 - £15k outstanding, early settlement = £10k....
    Rebuild for Mortgage (10/2018)
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