Car insurance for bad accident history and convictions?

Stateofart

VirtualMark said:

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. 

Yeah I read it.  Even if it's not your fault, it's still an incident on your record IF you went through insurance.  Quote from Compare the Market:

"Does declaring a non-fault claim affect my insurance? Yes, unfortunately, it will be recorded on your claims history. In many cases, your premiums will go up after you've declared a non-fault claim. ​​This is because your insurance provider will view you as a higher risk in future, even if it wasn't your fault."

You've had three, and a conviction, so yes I stand by the comment that you are a risk to insurance companies and that's why you're struggling to insure for a reasonable price.

MEM62

VirtualMark said:

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. 

Underwriters will tell you that those that have been involved in one claim are statistically more likely to be involved in another.  You have been involved in several claims and are therefore being assessed as if you have a target on the back of your car.  (Underwriters are also aware that, in some cases, just because someone was not deemed to be at fault does not mean that they could not have avoided the accident.)  

VirtualMark

MEM62 said:

VirtualMark said:

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. 

Underwriters will tell you that those that have been involved in one claim are statistically more likely to be involved in another.  You have been involved in several claims and are therefore being assessed as if you have a target on the back of your car.  (Underwriters are also aware that, in some cases, just because someone was not deemed to be at fault does not mean that they could not have avoided the accident.)  

Yes I get how it works and am aware that they obviously class me as a high risk, but the purpose of the thread was to ask if anyone had any recommendations for good brokers.

DullGreyGuy

VirtualMark said:

MEM62 said:

VirtualMark said:

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. 

Underwriters will tell you that those that have been involved in one claim are statistically more likely to be involved in another.  You have been involved in several claims and are therefore being assessed as if you have a target on the back of your car.  (Underwriters are also aware that, in some cases, just because someone was not deemed to be at fault does not mean that they could not have avoided the accident.)  

Yes I get how it works and am aware that they obviously class me as a high risk, but the purpose of the thread was to ask if anyone had any recommendations for good brokers.

Many people recommend brokers but call them insurers as they aren't aware the difference but these tend to be the non-advisory mass market types who want the same simple cases as the direct insurers. 

You can look to more specialist brokers like Adrian Flux or have a look at the list https://unlock.org.uk/wp-content/uploads/2023/01/List-of-Insurance-Brokers.pdf. Technically the list is for brokers that are good at dealing with convictions but if you are good at one set of difficult to place drivers then you tend to be good at most of the causes.

VirtualMark

DullGreyGuy said:

VirtualMark said:

MEM62 said:

VirtualMark said:

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. 

Underwriters will tell you that those that have been involved in one claim are statistically more likely to be involved in another.  You have been involved in several claims and are therefore being assessed as if you have a target on the back of your car.  (Underwriters are also aware that, in some cases, just because someone was not deemed to be at fault does not mean that they could not have avoided the accident.)  

Yes I get how it works and am aware that they obviously class me as a high risk, but the purpose of the thread was to ask if anyone had any recommendations for good brokers.

Many people recommend brokers but call them insurers as they aren't aware the difference but these tend to be the non-advisory mass market types who want the same simple cases as the direct insurers. 

You can look to more specialist brokers like Adrian Flux or have a look at the list https://unlock.org.uk/wp-content/uploads/2023/01/List-of-Insurance-Brokers.pdf. Technically the list is for brokers that are good at dealing with convictions but if you are good at one set of difficult to place drivers then you tend to be good at most of the causes.

Thanks for the info, I'll have a look through the list.  

VirtualMark

Stateofart said:

VirtualMark said:

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. 

Yeah I read it.  Even if it's not your fault, it's still an incident on your record IF you went through insurance.  Quote from Compare the Market:

"Does declaring a non-fault claim affect my insurance? Yes, unfortunately, it will be recorded on your claims history. In many cases, your premiums will go up after you've declared a non-fault claim. ​​This is because your insurance provider will view you as a higher risk in future, even if it wasn't your fault."

You've had three, and a conviction, so yes I stand by the comment that you are a risk to insurance companies and that's why you're struggling to insure for a reasonable price.

I'm not sure which part you missed from my original post, but if you look again you will see that I have already stated that the non fault claims are badly affecting my insurance quotes.  So thanks for your reply, however it is inherently superfluous as it's already evident from the high prices that I'm now considered a risk. 

Did you have any advice on the question that I posted?  Where I asked if anyone can recommend an insurer that will offer me a decent quote?

Grey_Critic

You have has the best answer - A Broker.