Car Insurance after BR

swamp_donkey_2

Not sure if there is any sort of list anywhere of BR friendly car insurers.

I think that Co-op, More Than, LV & Zurich are (I've checked the wording of their policy documents online), but are there anymore?

For insurers like these who are BR friendly, do you actually have to tell them you are/were BR when taking out the insurance?

Also, why do they need to know anyway? If you are discharged, why do they need to know if you have ever been BR? What difference does it make?

I can understand it might have an affect whether you are able to have payment by monthly premiums, but what if you have saved to pay the full years insurance?

fiveyearplan

It matters because all BRs are liars and will try and cheat the system. Not my thoughts, of course.

FinancesOfAFiveYearOld

It is peculiar, I agree. You can bludgeon your granny to death with a wet fish-slice and after ten years you are no longer legally obliged to mention a word of it to anyone and, all other things being just so-so, you can easily open an ex-murderer's bank account, insure your slate-wiped-clean home contents and doff your hat to a lady in the street without having to explain your predilection for aged-relative flattening.

Go bankrupt just the once though, even in the middle of a global recession and following redundancy, relationship split and bad debts shafting your business and whoo-hoo, welcome to persona non grata Hell for Life my son. The sackcloth, the ashes and the un-clean bells are over there, tick the box to say whether you would prefer to be issued with leprosy, herpes or a hump and a limp.

I assume - and isn't assumption just the mother of all frock-ups - that their assumption is that we bankrupteenies are all dishonest n'er-do-wells who will run out and buy Aston Martin DB9s on our new post-BR AMEX cards to insure and then deliberately drive up a tree in order to spread our evil way of bankrupt life among the nice, respectable, pleasant, population of the world of finance and insurance.

I don't have a car since the St.Official of the Receiver got two little men to drive it over the horizon but I did have to renew my home contents insurance and one of the few companies that didn't exclude bankrupteenies was Aviva. I hate to "recommend" them but they might be worth trying for car insurance too. Otherwise known as NUD or Norwich Union Direct or "That company with no Paying Out Department but based in Norwich".

out_of_cash

there are a lot of people having probs with car insurance its just another financial scam tactic to penalise people in difficult situations the banks are experts at this.

philnicandamy

BUT legally if someone asks the question "have you ever been subject to a bankruptcy order" you have to inform them otherwise later down the line the company could take action against you cancelling insurance etc

Not that I agree with it though.....bankrupt for life eh?:rolleyes:

my_two_boys

Just to say ESure arent br friendly - they dont ask when you apply but it is in the paperwork smallprint when it comes through.

Faye

boltonangel

I recently got a really good quote from directline and told the girl on the phone that I am an undischarged BR and would it make a difference. She said it wouldn't and even asked if I would like to pay monthly or annually!
I haven't renewed yet and will check again nearer the time (2wks away)

Feelingfoolish_3

Hi

I had a good chuckle at some of the replies - thank you (on a boring Saturday night)

Ive just renewed with More Than but havent mentioned by BR, I intend to ring them next week just to check as I did it online.

Cheers

desperatetobedebtfree

where about would it be in documents if bankruptcy is a problem? im looking through my car insurance now. Im currently doing home contents insurance online as one of my main creditors is lloyds and home insurance is with them. Looking at using the Co op now

philnicandamy

The co-op should be fine they won't have a clause anywhere that I know of....many BR's including discharged have used the co-op without any problems

desperatetobedebtfree

I rang Coop and now have home insurnance with them. Asked them outright if bankrupts were a prob and girls said no as long as we are paid we are happy.

Just wondering about my Tesco car insurance...