Crazy insurance quotes after making a claim - Help!

2 claims and no no claims? 700 quid is about as good as itll get.

I was involved in an incident at the start of the year. A guy slammed his brakes on, I went into the back of him (only about 10mph) and he jumped out clutching his neck and shouting whiplash. I very politely told him to curse word off with it and he jumped in his car and drove off.

Reported it to the police and insurance just in case and left it. Had a shock when my insurance renewal came through for £2k more! It was already £1.5k (trade policy) so jumped to £3.5k!!!

Sorted it all out as the deadline to claim went so it was removed from being a claim and the quote went back down to about £1.6k. I didn't need trade insurance anymore so left and went with Brentacre. Highly recommended. £440 fully comp for the MX5.

with my escort, for the first 3 or 4 years I was with footman james, switched to someone else one year because they were cheaper but the year after looked round for quotes again and tried footman james who told me they wouldn't insure me!

same car, same address, same job, no changes at all - crazy


I'm sure they just have a yes / no button and then some random number generator

Is your premium high because both claims still in the system? I was involved in crash two years back. Although not my fault until it was financially settled between the two companies involved my NCB was void. Fortunately for me it was all sorted before renewal came through.

Hi stuartp

I've had a classic policy for quite some years now and I can honestly say that your situation with your NCB being lost is a strange one. (to me at least)
Currently I'm with Adrian Flux but I've also been with some others over the years, and although on a classic car policy you don't accrue NCB, any that you had when you took the policy out, should be held on file for future use if you get a more modern motor.

For example my 9yrs didn't accrue but I was able to get a discount based on that amount even when changing insurer.
Also I've been able to have it agreed when changing insurer and going to a modern car.

The only way to lose all of it is to not be insured at all for 18 months, as this resets you in the insurers eyes.
(unless you've been extremely unlucky having a multitude of accidents).

In my experience 1 accident costs you 2yrs NCB, I can't believe being unlucky to have had two accidents loses the lot.

Also from a customer service point of view, if you have a classic policy which started at zero NCB, and say 4yrs later you get a modern policy with the same insurer, they should be able to give you a discount albeit at their discretion.
(so I guess it helps if you have a happy chappy/chappette at the other end of the phone)

1 last thing - again from personal experience and which shocked me, when I went to purchase a mates Sierra I was quoted a similar amount as yourself.
I'd stated the car was being bought for £500, I queried why it was so expensive and was told that as it was a cheap car I was more likely to drive like a loon.

My point on it being a classic and treated as such didn't matter, had I said I'd purchased it at £1100 the quote would have been cheaper..

I hope this post has been of some help?

Protected NCB just means you don't lose your no claims bonus percentage in the event of a claim, they'll still stiff you for a higher premium though as you've made a claim, I'm pretty certain you can have 2 claims before your NCB % would be affected under a protected policy. This is all in the small print.

You won't be able to cancel the policy if they write it off and pay out on it, the policy is effectively at the end of it's term at this point.
However if you have a couple of months left to run on this policy you could have a replacement car covered in it's place until it's renewal date is up though, probably have to pay an admin fee here.

Again this is all from personal experience - I'm a bit lost as to your specific situation, but if your a member of the AA or such like you'll have access to free legal advice or perhaps the citizens advice bureau (do they still exist?) can offer advice.

just had an interesting conversation with the nice lady at peter james (I have swapped my current insurance over to the sierra now but they don't class it as a classic so when my insurance runs out i'll have to deal with it all then)

she said I was a very unusual person only running old cars and that everyone else has a modern daily (infact it seems to be a requirement of the classic insurance that you have a modern daily)

that can't be true can it?

surely there are a fair few people who only run a classic

Check small print. We had this problem at work where people were entitled to claim mileage rate. Some insurers only cover the policy holder for commuting - really. So that means named drivers such as wife on husbands policy isn't covered !
Same with classic policies - there can be restrictions such as annual mileage being the most common but there are also things like towing 4 wheeled trailers, commuting to and from work etc. All solvable but can involve paying an increased premium to get the entitlement.

Paul h