Car insurance prices ridicolous CCJ?

Mitchel.

So i have two ccj's im currently paying off also had my car insurance cancelled over xmas as i lost my job. come to re insure my car im looking for £1300 1 year NCB 26 years old driving 9 years. i do have 4 year NCB but it used on my work vehicle a pick up truck.

Anyone shed any light?

Feels like ive just passed my test again

FutureGirl

The cancelled insurance and the CCJs will limit the insurers who will quote you. That is likely why it's high.

Plus it also depends on where you live / type of vehicle etc.

And the fact that insurance does rise each year with IPT etc.

Superscrooge

Insurance providers will always offer the most competitive quotes to those that they deem to be low risk.

With a recently cancelled insurance policy and two CCJ's. You will not appear to be their ideal customer, so any quotes are likely to take this into account.

National_Debtline

Hi Mitchel,


I am afraid the other posters have really hit the nail on the head. The only thing I would add, (sorry to add more bad news but) if that if the car is currently uninsured, make sure it is declared as SORN (off the road).


If the car is not SORN and has no insurance, it could be impounded, crushed and there are financial penalties as well. The gov.uk website explains what you (and the DVLA) can do - https://www.gov.uk/vehicle-insurance/uninsured-vehicles. Good luck,


Laura
@natdebtline

Richey_

What sort of car is it?

RedLemon

Mitchel. wrote: »

So i have two ccj's im currently paying off also had my car insurance cancelled over xmas as i lost my job. come to re insure my car im looking for £1300 1 year NCB 26 years old driving 9 years. i do have 4 year NCB but it used on my work vehicle a pick up truck.

Anyone shed any light?

Feels like ive just passed my test again

How did you losing your job result in your car insurance being cancelled by the insurer?

abuttyout

RedLemon wrote: »

How did you losing your job result in your car insurance being cancelled by the insurer?

Had to cancel it because he could not afford it?

worried_jim

abuttyout wrote: »

Had to cancel it because he could not afford it?

But op stated that the insurance company cancelled the policy- at least that is how I got the feel for the post.

rtho782

Probably because he stopped paying.

MrsTinks

If your insurance company cancelled the insurance for non-payment then this will severely effect any new policy - that's why they ask you to declare if you have ever had any policy cancelled or withdrawn (I forget the wording) - if you don't declare it they penalize you even harder... ditto any claims.

The CCJ's will impact you where you pay monthly because you are taking out a credit agreement - you should see this being less of an issue if you can pay upfront for your policy as this should open the market up more hopefully.

dieselv2

As a side note, as CCJ's affect the price, do defaults?