Car insurance as an ex lease car driver

silvercar

I did have 15 years plus NCD. Then OH and I leased company cars on salary sacrifice that included car insurance. I plan to buy the lease car off the leasing company, so will be starting again effectively. Anyway to have my previous NCD factored into the price? Or even the (hopeful) lack of claims while we were driving the leased cars?

Frozen_up_north

Yes, been there when I swapped jobs and had to buy my own car. Phone a few insurance companies and see what they have to offer, you might have to obtain your insurance “history” from the current vehicle insurance provider.

born_again

Will be one of the cases where actually calling the ins co's will give you the best results.

DullGreyGuy

silvercar said:

I did have 15 years plus NCD. Then OH and I leased company cars on salary sacrifice that included car insurance. I plan to buy the lease car off the leasing company, so will be starting again effectively. Anyway to have my previous NCD factored into the price? Or even the (hopeful) lack of claims while we were driving the leased cars?

How long were you in company cars?

If its under 2 years most insurers will accept your old NCD
If its over 2 but under 3 then Admiral would accept the old NCD

If its more than 3 years then you can use the likes of Confused.com and state you're X years (just the leasehold time) and put it down as being a company car. They will most likely want a letter from the employer confirming no claims. 

If you do the above ensure its transferred to the company you select properly BEFORE buying

silvercar

It will be 3 years 2 weeks on one car, potentially 4 years on the other (next year).

DullGreyGuy

As long as you are a good risk NCD often isnt the discount it used to be... one member here found that removing the 20 years NCD (after realising you can't use 1 NCD on 2 policies at the same time) added a whole £5 to their quote.

Admiral may turn a blind eye to two weeks but probably not and you may find its cheaper insuring elsewhere with no NCD than being stuck with only Admiral with your old NCD. You can search declaring the company car claim free time too as previously mentioned. 

Yorkshire_Dangermouse

When I swapped back to my own car from a company vehicle I called the leasing company and they sent me a NCD letter which was accepted by my new insurer.  If you're getting quotes from comparison sites, they usually ask the question where you've obtained your NCB, with one of the options being a company car.