Car Insurance

tims84

Hi all,

I was hoping someone who knows a bit about insurance might be able to help me out. I'm a 30 year old male driver living in North London. I passed my driving test two years ago and have two years no claims bonus and have not had any accidents since driving. I started off with a small car with a 1 litre engine to get me out and about and used to the roads, however recently decided to upgrade and went for a 1.6 litre Citroen DS3.

A couple of weeks back I called my insurance company and asked them for a quote, using the basic details for the car and they told me that I would have to pay an extra £30 a month on top of my existing payment to switch the policy to the new car, which I was happy to do. Today, knowing the registration number of the new car, I called to ask that they go ahead and switch my insurance across. Once I gave them the reg number and they put all the details in the system (nothing else has changed on the policy other than the car) I was told that they are unable to insure me on this vehicle and that unfortunately I would have to go elsewhere. They were unable to give me an explanation other than the fact their underwriters are not able to give me a quote on this car. The company is Zenith by the way.

Does anyone know the possible reasons they would be unable to provide insurance to an existing customer who has never claimed. And when other companies ask "have you ever been refused insurance", does this count?

Thanks

Tim

Marktheshark

They are refusing to quote not to provide insurance, so you cancel the existing policy and obtain a new quote from a better company.
Which to be honset wont be that hard.

tims84

Marktheshark wrote: »

They are refusing to quote not to provide insurance, so you cancel the existing policy and obtain a new quote from a better company.
Which to be honset wont be that hard.

Hi Mark,

This is what I did, however just keen to know what reasons there may be for not being able to insure me. I know I have only been driving for a couple of years but I'm a 30 year old professional with a clean licence and the car is only a 1.6, so not like it's a 3 litre turbo haha.

Marktheshark

The company you were with have a name as a low risk cherry picker.
The new car simply falls outside the risks they like to take, this can be for various reasons such as it is expensive to repair or attracts a lot of boy racer claims.
Or its French.

tims84

Marktheshark wrote: »

The company you were with have a name as a low risk cherry picker.
The new car simply falls outside the risks they like to take, this can be for various reasons such as it is expensive to repair or attracts a lot of boy racer claims.
Or its French.

Okay that makes sense. Well my money is with another company now anyway so no point dwelling on it. Last car was French too... Can't stay away from them!

trollopscarletwoman

Marktheshark wrote: »

The company you were with have a name as a low risk cherry picker.
The new car simply falls outside the risks they like to take, this can be for various reasons such as it is expensive to repair or attracts a lot of boy racer claims.
Or its French.

Nothing wrong with french cars.

Having said that my saxo is off the road at the moment-waiting for a new battery. it is a 2002 mind so could be the original.