Mature driver with no n.c.b. Advice needed

neilcm_2

Hi to all...
Perhaps someone could kindly give me some much needed advice.

I'm a mature (57) driver with no points,convictions etc and have been driving on a full licence for over 38 years.

I have not owned a car for 4 years (Didn't need one) due to being a named driver on my parents policy....if i needed to use a vehicle i used theirs! But, i didn't have my own insurance policy so after 2 yeras i have lost all my NCB (9+ years prior to this).

Now i've come to buy another car the Insurers are charging upwards of £800+ for fully comp on a 2005 Renault Megane 1.6 vvt worth approx £2500.

Anyone able to steer me in the right direction? (Excuse the pun!)

Many thanks fo any help.

huckster

Not sure of a cheaper way to Insure. Have you tried with SAGA, RIAS and others who market to those more mature. You won't get a NCB, as they will have expired, but you may get a cheaper premium if you keep shop around. Don't rely on the cheapest premium being available online. Make some phone calls.

forgotmyname

Try your parents company? They may offer a discount, But you maybe locked into them for a few years whilst you earn you no claims.

Keeping checking at renewal time. After 1 year another company maybe cheaper despite you having 1 years no claims and a bonus from the 1st company.

Does that make sense?

bouncydog1

I would try your old insurers to see if they can/will do anything and also try your parents insurers as suggested, making sure that you tell them that you previously had x no of years. Alternatively you could also go and try a good motor broker to see if they can help.

keith1950

As above, probably best try a broker otherwise try individual quotes with each insurer-some offer better introductory discounts than others-actually £800 isnt a bad price as it equates to about £240 with 70% discount. Just keep trying but I find doing individual quotes better than the comparison sites.