Ex company car driver

Discussion in 'Insurance & Finance' started by Blue Stripe, Jul 4, 2017.

  1. Blue Stripe

    Blue Stripe New Member

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    As an ex company car driver, insurance co's aren't keen to take into account my previous driving experience in a company car or as a named driver on my wife's car. Currently I have a Triumph Stag which I found no issues insuring as it's a classic car and there are specialist insurers. I'm looking to buy a SLK 200, has anyone come up against the same issue and obtained a reasonable quote?
    Many thanks
     
  2. bob6600

    bob6600 MB Club Veteran

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    Can your company's insurance department or underwriters put the fact you have driven for XX years without any accidents or claims? Might help
     
  3. OP
    OP
    Blue Stripe

    Blue Stripe New Member

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    Unfortunately not.... I have a letter from Company's insurers but no accepted as NCB!
     
  4. davidjpowell

    davidjpowell Hardcore MB Enthusiast

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    Have a look at LV - they will accept such a letter.
     
  5. OP
    OP
    Blue Stripe

    Blue Stripe New Member

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    I haven't David, I'll try them for a quote, hope it's reasonable.
     
  6. OP
    OP
    Blue Stripe

    Blue Stripe New Member

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    Do you know if they accept it as straight NCB years?
     
  7. Rory

    Rory MB Club Veteran

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    Some years since I opted out, but LV accepted mine too.
     
  8. davidjpowell

    davidjpowell Hardcore MB Enthusiast

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    As Rory they did mine. Just wanted a letter from the company (which as I Director I could have signed myself... (but did not)...
     
  9. BoristheBounce

    BoristheBounce Hardcore MB Enthusiast

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    I've actually just had the same problem.

    I have driven company cars for 30 years or more.

    I have a classic car which is on separate classic insurance and doesn't earn you NCD.

    I am a named driver on my wife's car.

    I have just bought a sunny days and Sundays BMW Z4 which has to be insured as a separate car and struggled at first to get insured at a reasonable rate (I'm 59 BTW) until I spoke to our company insurers and because I had been insured with them for a number of years took my record into account and it cost me £214 for the Z4 which includes breakdown.

    It might be worth trying the same.
     
  10. Smart320

    Smart320 Hardcore MB Enthusiast

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    Had same problem after moving back to uk after 12 years with me being on my insurance on a car in N.Africa. This did not count when trying to get uk car insurance.
    Was solved by registering both cars in my wife's name when we moved to the uk mainland. As she had always kept and insured a car in Jersey where she an apartment, she had max no claims which was accepted here, so this was the cheapest route. I am happy to be a named driver as we share the driving on both cars.
     
  11. RonFleet

    RonFleet Hardcore MB Enthusiast

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    When I switched from a company car to running my own car LV were very understanding and were happy to accept a letter from my employer's HR department stating how long I had been driving for the company without any claims.
     
  12. BoristheBounce

    BoristheBounce Hardcore MB Enthusiast

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    You do realise NCB has to be earned on EACH car, you can't own a car keep it, earn NCB on it buy another car (as you say your wife has) and use the same NCB on that car as well.

    The interweb will allow you to insure cars this way but if you had an accident you would have major problems. Your NCB must be earned on each car individually. otherwise I would have put the Z4 in my wifes name as we would be equal drivers of it anyway.
     
    Last edited: Jul 5, 2017
  13. Smart320

    Smart320 Hardcore MB Enthusiast

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    You are right, forgot to check with her, as she pays the premiums. Tells me she had max 8 yrs on 1 car and 3 yrs on the the second when we moved here, max and 5 yrs now and any claims count against the car with the claim
     
  14. OP
    OP
    Blue Stripe

    Blue Stripe New Member

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    Thanks Nev, I've had a quote of £299 with 0 yrs NCB and admitting to a claim of a replacement windscreen within last 3 yrs so not too disappointed!
     
  15. RonFleet

    RonFleet Hardcore MB Enthusiast

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    Not bad at today's rates. Well done. Who was that with, if I may ask?
     
  16. S205-FTW

    S205-FTW Hardcore MB Enthusiast

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    A couple of years back I left the company car scheme and got my own.

    Esure were fine with a letter from the fleet broker confirming I had been insured on their policy for 6 years and without incident. Esure gave me a discount of the equivalent if 6 years NCB which they would convert to 'full' NCB after the first year.

    Make sure the letter mentions you had your own car assigned to you, it covered SDP use and was not a pool car.
     
  17. Piff

    Piff Hardcore MB Enthusiast

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    I had the same situation a number of years ago, but it was a small company which used a local insurance broker.
    I arranged a letter from the company stating the number of years I had been driving company cars claim free and the local broker was able to arrange insurance with an introductory ncd discount.
    After the first year I had a renewal letter with stated ncd which i
    I could then take elsewhere.
    That was in 1988/89 and have been (touch wood) been claim free since:bannana:
     

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