Car insurance for bad accident history and convictions?

VirtualMark

Hi.  Without saying too much personal info, I'm a 40+ with 13 years NCD.  I have 3 points for a CD20 from 3 years ago, however I have had several non fault claims that are badly affecting my insurance quotes.  

The quotes I'm getting are insane, some were for £6k!  I had someone rear end me a few years back, then the same happened again in 2021.  I also had someone hit my car while it was parked.  None of these are my fault, yet I am having trouble finding a reasonable quote. 

Can anyone recommend an insurer that will give me a decent quote?  

[Deleted User]

Try a broker. Also talk to the at fault insurance company about your losses.

DullGreyGuy

[Deleted User] said:

Try a broker. Also talk to the at fault insurance company about your losses.

Given they say they have multiple claims... how do you propose splitting it between each?

HillStreetBlues

VirtualMark said:

 however I have had several non fault claims that are badly affecting my insurance quotes. 

The trouble is insurers do want as little risk as possible, the bigger the risk the higher the cost. Sounds like you been very unlucky but I expect insurers will base a premium on the Jonah factor.

[Deleted User]

DullGreyGuy said:

[Deleted User] said:

Try a broker. Also talk to the at fault insurance company about your losses.

Given they say they have multiple claims... how do you propose splitting it between each?

I'd start with splitting it evenly.

400ixl

CD20 (due care) will have a considerable impact on your quote, far more than the non fault accidents.

Ignore the very high quotes, that is the insurers way of saying you do not fit the profile they want to insure and price themselves out without having to decline outright.

You will just have to try them all. Those on comparison sites, those not (Aviva, Direct Line etc) and try some brokers.

VirtualMark

400ixl said:

CD20 (due care) will have a considerable impact on your quote, far more than the non fault accidents.

Ignore the very high quotes, that is the insurers way of saying you do not fit the profile they want to insure and price themselves out without having to decline outright.

You will just have to try them all. Those on comparison sites, those not (Aviva, Direct Line etc) and try some brokers.

The CD20 is for driving without reasonable consideration to other road users, and tbh it doesn't have much of an impact at all.  I've run quotes through with and without it just to see, and for some insurers the price is the same.  

The problem comes when I add more than 1 claim and 1 conviction, as a lot of insurers disappear completely.  As you said they seem to have a profile as to what they'll insure.  

I'm not considering non declaration, just did the quotes out of curiosity to see how they affect me.  

A couple of people have mentioned brokers, have any of you had success with a similar situation?  Any you can recommend?

Goudy

As mentioned, some insurance companies see you as a risk not worth taking, hence the massive quotes but others will.
You might want to try a few brokers and see if you can share some of that risk between you and the underwriters.

By increasing your voluntary excess you might have better results.

There is obviously the risk of further claims costing you more if you have to pay a large excess, but you might consider that worthwhile.

I'm not sure they are still sold but there was a time various brokers sold all section excess policies for various sections of the market.
They can end up costing you very dearly so if you are offered one, steer clear of it.


I had two claims pretty close together both where down as fault but not my fault.
Someone stole my car and within a few weeks I had the side ripped out of my replacement when parked.

I dreaded my next premium and was prepared to hunt around for a new company, but it turned out it wasn't that bad.
I did check with them that they had considered the claims in the premium, which they had and the fuss free way they handled the claims made me just renew and count myself lucky.

daivid

VirtualMark said:

Hi.  Without saying too much personal info, I'm a 40+ with 13 years NCD.  I have 3 points for a CD20 from 3 years ago, however I have had several non fault claims that are badly affecting my insurance quotes.  

The quotes I'm getting are insane, some were for £6k!  I had someone rear end me a few years back, then the same happened again in 2021.  I also had someone hit my car while it was parked.  None of these are my fault, yet I am having trouble finding a reasonable quote. 

Can anyone recommend an insurer that will give me a decent quote?  

What is your best offer? The worst are meaningless, my cover is typically £200 p.a. but if I scroll down on the comparison sites I'll always find premiums of £3k plus (direct line wanted £1k even though when I was a new driver they insured me for less than half that) I take it that those providers don’t want my business. If You haven’t already go through the process on here https://www.moneysavingexpert.com/insurance/car-insurance/how-to-get-cheap-car-insurance/ to see what you can get.

Stateofart

From what you have said you do come across as quite risky to insure tbh, even though some were not your fault.

VirtualMark

Stateofart said:

From what you have said you do come across as quite risky to insure tbh, even though some were not your fault.

Not sure that you read the post properly, NONE of the claims were my fault, and I have 13 years no claims.  The only part that is my fault is the conviction.