Nhs lease car - no no claims

Sprinkly

I'm purchasing my lease car. I need my own insurance but you don't build up any no claims. All they do is give a letter. My 1st car with fleet was smashed into and written off whilst parked. This is mentioned on the letter. It says insured hit whilst parked - fully recovered. I've been fine since. How will this affect taking out a new insurance policy with someone? Will it be high? 

AdrianC

It counts as a not-at-fault claim.

Stubod

..I would go onto one of the many comparison sites and put in your details. You will get a much more accurate figure than anybody on this forum can tell you..and yes if you have no proof of no claims bonus and have actually had a claim (regardless of whose fault it is) then it is likely to be high...

Sprinkly

Oh great but I guess that would be the same with no accident at all and the price of having an nhs lease car. 

BOWFER

I'm an ex company car driver.
Many companies will accept the no claims you've built up with your company insurance.
You shouldn't have to start your non-company car insurance life as though you were a complete beginner.

Car_54

BOWFER said:

I'm an ex company car driver.
Many companies will accept the no claims you've built up with your company insurance.
You shouldn't have to start your non-company car insurance life as though you were a complete beginner.

That was my experience too.

One non-fault incident shouldn't make much difference, particularly if it was a few years ago.

Sprinkly

Thanks Bowfer you are right I've been driving since early 2016 and no claims bonus to show for it.  It was September 2017 just under 3 years ago but I'll check with them all you never know.  

Scrapit

BOWFER said:

I'm an ex company car driver.
Many companies will accept the no claims you've built up with your company insurance.
You shouldn't have to start your non-company car insurance life as though you were a complete beginner.

That depends on how the company insures you. When I chopped mine in I couldn't get equivalent no claims discount because the car was covered by fleet insurance rather than named because its a large company with thousands of company cars. No discount for me but that didn't have a huge affect on the insurance, keyless entry bumped the premium much much more.

Car_54

Scrapit said:

BOWFER said:

I'm an ex company car driver.
Many companies will accept the no claims you've built up with your company insurance.
You shouldn't have to start your non-company car insurance life as though you were a complete beginner.

That depends on how the company insures you. When I chopped mine in I couldn't get equivalent no claims discount because the car was covered by fleet insurance rather than named because its a large company with thousands of company cars. No discount for me but that didn't have a huge affect on the insurance, keyless entry bumped the premium much much more.

Mine was on fleet insurance too, but I got an "introductory" discount equivalent to 4 years NCD on the strength of a letter from the company's fleet manager confirming my driving record.

But it probably helped that it was a big well-known national company., rather than a small unknown firm

Scrapit

Car_54 said:

Scrapit said:

BOWFER said:

I'm an ex company car driver.
Many companies will accept the no claims you've built up with your company insurance.
You shouldn't have to start your non-company car insurance life as though you were a complete beginner.

That depends on how the company insures you. When I chopped mine in I couldn't get equivalent no claims discount because the car was covered by fleet insurance rather than named because its a large company with thousands of company cars. No discount for me but that didn't have a huge affect on the insurance, keyless entry bumped the premium much much more.

Mine was on fleet insurance too, but I got an "introductory" discount equivalent to 4 years NCD on the strength of a letter from the company's fleet manager confirming my driving record.

But it probably helped that it was a big well-known national company., rather than a small unknown firm

My firm is (was) the 4th largest in the world of its kind, made no difference. I suppose its down to the insurers but I couldn't find anyone that would offer it 

mattyprice4004

Stubod said:

..I would go onto one of the many comparison sites and put in your details. You will get a much more accurate figure than anybody on this forum can tell you..and yes if you have no proof of no claims bonus and have actually had a claim (regardless of whose fault it is) then it is likely to be high...

That's not anywhere near the truth - I have 2 policies, both didn't change after adding a non-fault claim. 
Fiddling about with comparison sites seems to show that about 30% of insurers load premiums (by a few % at most) and 70% it doesn't affect at all.