PIP and Car Insurance

kah22

I'm thinking NO but I'll ask the question anyway, it mightnt even be the best board but as it's insurance I thought I'd start here

My nephew receives Low Rate Mobility. He is finding it almost impossible to get insurance one quote was £2,000 month for 10 months - £20,000 !

I know he doesn't qualify for the full rate of mobility, so he is out of their car/insurance scheme but I'm wondering if all their cars are covered with one insurer will that insurer do deals for those on low rate mobility or better still can they work through the PIP people to possibly get a better insurance deal?. 

Of course he'd  be paying the full premium.

Thanks for your thoughts

Kevin

CliveOfIndia

Has he shopped around?  A premium of £20K is the insurer basically saying "we're not interested in insuring him".  But different insurers have different criteria.

I know when I was looking around for my son when he first passed his test, the results that came up on the aggregator sites were surprising - they ranged from a pretty reasonable £600/700-ish a year to well over £12K a year.

I'm assuming there's nothing "wrong" with his driving history as such?  No serious offences such as drink/drug driving, he's not driving a Ferrari?  If it's an ordinary car with an OK driving history (albeit perhaps not many years of experience?) then definitely shop around (not forgetting the ones that aren't on aggregator sites).

Alternatively, a decent broker can often be worth a look if he's finding it difficult to get sensible quotes elsewhere.

ajd7569

Just googled it and apparently their insurance broker is now Direct Line.I'm unaware of any schemes or discounts that they might do for PIP receivers as I would have used it myself lol.Think you're best bet is to do what Martin suggests and use the comparison sites. Unfortunately insurance firms are charging us an absolute fortune at the moment ,good luck.

DullGreyGuy

kah22 said:

I'm thinking NO but I'll ask the question anyway, it mightnt even be the best board but as it's insurance I thought I'd start here

My nephew receives Low Rate Mobility. He is finding it almost impossible to get insurance one quote was £2,000 month for 10 months - £20,000 !

I know he doesn't qualify for the full rate of mobility, so he is out of their car/insurance scheme but I'm wondering if all their cars are covered with one insurer will that insurer do deals for those on low rate mobility or better still can they work through the PIP people to possibly get a better insurance deal?. 

Of course he'd  be paying the full premium.

Mobility is current underwritten by Direct Line Group and so you will have already seen the premiums that they offer via Churchill, Privilege etc on comparison sites and hopefully have done a quote directly with Direct Line. 

The fact that they have won a commercial deal doesn't mean they are going to be cheap for some randomly selected individual. 

It sounds like you have only done a single quote so far? No matter who you are you will always get some insurer offer some stupid premium which basically means they don't want you. There is time efficiencies in using aggregators like confused.com to get multiple quotes simultaneously 

elsien

There are far more relevant factors for insurance than whether or not someone is on PIP for mobility – age, postcode and driving history for example. That is what insurers are going to be more interested in.
has he considered whether a different model car might get him a lower premium elsewhere?

400ixl

What car is he trying to insure? Has he done all of the usual adjustments such as adding experienced drivers, checking its the most efficient job title (within acceptable limits), where the car is kept over night (sometimes on the road can be cheaper than on a driveway) etc

kah22

To be honest what I know about cars and car insurance you could write on the back of a postage stamp 🤓; because of a medical condition I've never been able to drive though I do have DLA's Low Rate Mobility

Im trying to do some of the leg work for him but from what both of us are finding out it's no longer a matter of visiting your local insurance man and they'd sort you out but times are a changing 

CliveOfIndia

kah22 said:

it's no longer a matter of visiting your local insurance man and they'd sort you out but times are a changing 

True, but these days there are alternatives.  The aggregator sites (Compare the Market, Confused, Money Supermarket, etc. etc. ) make it very simple to get quotes from a large majority of UK insurance companies (though there are some companies that don't appear in the aggregator results, Direct Line being one well-known one).

And the "local insurance man" does still exist after a fashion - there are plenty of on-line brokers who can often be worth a punt if you're having trouble getting a decent quote elsewhere.  There are probably dozens of them around, one of the older ones I know off the top of my head being Adrian Flux (I'm not suggesting they're good, bad or indifferent, it's just a name that's been around for a long time).

DullGreyGuy

kah22 said:

Im trying to do some of the leg work for him but from what both of us are finding out it's no longer a matter of visiting your local insurance man and they'd sort you out but times are a changing 

You can but it's generally not the route to find the cheapest insurance. 

Many online only or national companies work on tiny margins that only work with the economies of scale. Your local insurance man cannot operate at those sorts of thin margins and hence many don't actively pursue mass market consumer insurance and focus more on business insurance or niche requirements (eg high net worth). 

As said, the aggregators do a similar job as the old insurance man but they are non-advisory and so its up to you to decide if you want to pay £300 to CheapoCheapoElInsuranco based on some British protectorate/overseas territory or £330 for Axa and similarly if you need Driving Other Cars or other features 

There are some that don't play on the aggregators like Aviva and Direct Line (they have other brands in their stable that do) and so they can be worth a quote. If there is some adverse history which is causing the high premiums then there are some specialist brokers like Adrian Flux who don't tend to do so well for the average person but can help with those with a lot of points, bad claims history, some exotic import car etc.