car insurance after points & accident

itstheo

hi everyone
In the last 18 months i have had the worst luck when it comes to vehicles.
In Oct of 2005 i accidently(i 95% sure i went over the line during the amber phase) jumped a red light got flashed & therefore recieved 3 points.
And in October 2006 i got hit as i was crossing right into a side road. A car in the fast lane stopped and let me go and as i was slowly creeping into the bus lane a car came speeding down and hit my driver side corner. (insurance determind i was at fault even though i did everything correct because i was executing a manuevre and he had right of way)

Ive accepted the above and this year i really would like to get a smart roadster. Reason being is i see this as a moneysavers dream. an econimical cheap sports car.

Problem is after having shopped around for a quote i was amazed to come across quotes of around £3000 for 3rd party fire n theft for a 2004 smart roadster 80.

This cant be right.

i appreciate that i may be a risk to the insurers but £3000 for 3rd party, come on. something cannot be right.

I have used insuresupermarket for years now and this is the 1st time it has not yielded good results. i will follow martins advice and follow the other 3 steps but in my experience, insure supermarket always brought back the lowest quote so im pretty sure the rest will return higher quotes.

Can any1 advise on to how i could possibly lower my risk.

I will consider martins advice i.e. fit alarms, park in a garage but i was just wondering if there is anything else worth a try.... at this moment in time im desperate. ive been lookin forward to owning this convertible for a while now

oh yeh my details incase you were wondering are as follows

i am 25/26 in march
just been driving for 2 years
currently driving an R reg fiat punto 1.2
points/fine/code= 3/60/ts10 is da code i think
accident cost/fault=im think my insurer paid out £200/i was at fault

somebody tell me there is a light at the end of this gloomy tunnel

tom188

A high proportion of your quote will be the third party element, owing to the accident and points suggesting you are a high risk. You have also not been driving that long to have had these events occur. I think Smart Roadsters are group 8 insurance, and being a convertible will attract higher premiums.

Note you would have to be mad to insure a car which would cost in excess of 7/8k on TPFT though, just think what a loss you would make if you had an accident and wrote the car off.

maclean2

Hi - moneysupermarket is fine for drivers with NCD and good record but suggest you try

quoteline direct
motorquotedirect
post office

who can cater for accidents/points

itstheo

tom188 wrote:

Note you would have to be mad to insure a car which would cost in excess of 7/8k on TPFT though, just think what a loss you would make if you had an accident and wrote the car off.

i know, i was thinkin that 2day

itstheo

maclean2 wrote:

Hi - moneysupermarket is fine for drivers with NCD and good record but suggest you try

quoteline direct
motorquotedirect
post office

who can cater for accidents/points

thanks mate, will do check them out 1st thing tomorrow

movilogo

Try Adrian Flux and some other insurers who often specialize with drivers with points.