Car insurance after discharge

doomandgloom

Hi I am after some advice on obtaining car insurance.

Seen a quote I'm happy with and will be paying up front.

Nothing immediately pops out to say I can't be BR or have CCJ - unlike tesco who did have a more favourable quote but a condition was couldn't ever have been declared.

Anyways I have checked the policy terms and it does say they may do a credit check ("where we need to to a credit check").

If I am paying up front would this apply? If it did would the BR make this unfeasible?

Does anybody know any BR friendly car insurers? I did want to go with direct line but they quoted me 150 more than they did when I checked last month and I just can't afford that.

Thanks

Mollie_Guinness15

I am with Hastings, they were competitive and BR friendly. Affordable enough to pay in one lump sum.

philnicandevan

Co-op and LV have had good reports with discharged bankrupts..

doomandgloom

It was a hastings policy I was looking at but you haven't had any problems?

A4445

I was discharged in 2010 and have never had any issues getting car insurance, I've paid in full some years and paid by DD as well. I've had insurance with, Admiral, elephant, Direct line, Haistings direct and Lloyds. Apparently Aviva doesn't like bankruptcy! I had a BRU as well! Nothing to worry about :-)

luvchocolate

No problem with Aviva car insurance paid for the year, been with them 4 years, called them straight away to inform them or my B.R, said as pay in full no problem,

National_Debtline

Hi all


Paying the year's insurance in one sum dispenses with the requirement for a credit check - same principle as for any outright purchase.


Dennis
@natdebtline

Cobalt77

Virtually ALL car insurance providers will accept discharged BRs on "normal" rates. The ONLY reason they may do a credit check is, as earlier posters have said, because they are technically "loaning" you the money if you pay by monthly instalments.

Remember, once you've been discharged you are not BR any more (getting insurance whilst being an undischarged BR can sometimes be difficult, because insurers don't want to get caught up with any drama if the OR or creditors ever get involved)

If in doubt, telephone a quote line and talk to an actual human (sometimes, online applications are poorly set up and will either accept or decline you, whereas a human can always refer your case to an underwriter for approval)

It may even be worth contacting a local independent insurance broker to see if they can offer better terms.

Do let us know how you get on.

HTH

doomandgloom

Thanks for the replies again and especially the advice from Dennis that really helped.

Dennis, does the same apply to the likes of tesco? Even though I selected to pay annually the screen wanted me to use tick boxes to say that I had never been declared bankrupt or subject to CCJ?

I don't really want to phone the insurance companies. One I don't have a lot of time other than to do it at work - no chance! And two I live in the area of a call centre that tends to service a lot of car insurance calls (not all but if fall under a certain bank/ financial institution - and know from experience when held policies prior to BR) really would not want to end up having my call routed to the local call centre, discuss my BR then find out I spoke to the bloke who lives across the road!

Mollie_Guinness15

No problems at all.