Insurance (car)

Momofthree_2

Hi all

Me AGAIN! Sorry!

Our car insurance was paid in full in May 2018 as husband failed credit check due to his own BR. Checked all documents (using search tool for specific key words) and see nothing about BR or similar.

Do i need to inform them? Are they likely to use it against me in event of a claim?

Thanks
L

Momofthree_2

Apologies for the duplicate post, I'm new! If you were going to reply please can you reply on the other post so I will see it. Thanks!

maxmycardagain

there are several "unfair" questions in proposal forms loaded against anyone of a "less than perfect" history

They leave it vague on purpose



Just done mine

I must be clear as my (then) insurers paid out on a claim in 2015 and are handling one now...no questions asked.

i know for a fact i was credit checked by the insurers this week for a renewal, and lets be fair, i was BR 11 years ago, ive had plenty of finance since then WHY would insurers get jittery?

nikki702

I am dreading my renewal in may now... never entered my head that insurance would be a problem

Momofthree_2

Maxmycardagain - yes very vague. My policy says i need to inform them of address and job changes. Also anything else i think they should know! What kind of statement is that?! Should i let them know i had an ear infection last week too? Jokers.

Nikki702 sorry to freak you out! As far as I understand it, we are limited to full annual payment rather than any monthly installments and some providers dont cover BR. Same with house insurance. Personally I think its terrible... why should we be penalised further, we are still human and need insurance :mad:

maxmycardagain

If didnt know better id think insurers just want any chance to duck out of claims but im not that bitter

well, yes I am actually

and yes, i do think it

maxmycardagain

Momofthree wrote: »

As far as I understand it, we are limited to full annual payment rather than any monthly installments

Not funny when mine is £1400/year

undetterred

maxmycardagain wrote: »

Not funny when mine is £1400/year

With a claim in 2015 and another now,hardly surprising.

maxmycardagain

undetterred wrote: »

With a claim in 2015 and another now,hardly surprising.

With extras like protected NCB, insured excess and £10m PL


are you a fan or a stalker?

TheGardener

nikki702 wrote: »

I am dreading my renewal in may now... never entered my head that insurance would be a problem

Being BR should not mean you have to pay more - just that you will struggle to get instalments because they are technically a loan. You will probably need to pay up front. Hopefully the CT refund will cover it

maxmycardagain

It might be because finance wouldnt be available for poor risks (though not only BR's have a poor credit rating and I got straight after going BR) or...... in the event of a payout claim TO a BR, would the IS want the money? though again, that would only count (maybe) during the term of the bankruptcy