Insurance After A Ban

Discussion in 'Insurance' started by djcbilly, 7 Dec 2019.

  1. djcbilly

    djcbilly New Member

    Map
    I’ve just finished a six month ban under the totting up rules (minor speeding offences). My wife’s multi-vehicle policy now won’t touch me and nor will my camper insurers. I’ve had to pay over 2k on the car and I’m getting some proper ludicrous quotes on the van, despite me stating I’ll only use it max 30 days per year. Has anyone been down this route and landed somewhere sensible?
     
  2. Skyliner33

    Skyliner33 Senior Member VIP Member T6 Legend

    I'm guessing your points are now cleared. Its a strange one.

    I went from zero points to ban in 1 photograph.

    When I told my insurance after the ban was up they asked how many points I had and had to go ask his manager when I said none.
    The reply was it doesn't make any difference to the insurance if I had no points.

    Insurance is a black art though.
     
  3. Kevthegas

    Kevthegas Senior Member T6 Pro

    " Black art" you bet.

    I had the renewal through for my Kombi, queried the price and confirmed it was their best deal.
    I then noticed they had not changed my private plate. They ( a plan) then requoted and it came back £ 37 CHEAPER !!!
     
  4. djcbilly

    djcbilly New Member

    Map
    Black art = total racket....got zero no claims (was previously on my wife’s multi car policy) despite 10 years incident free, am teetotal 50 year old accountant, van off-road in a safe postcode, 0nly used couple of weeks in summer plus a few weekends, shows, tip runs etc, and I’m being quoted £1,500....gonna have to get rid if I can’t half that.
     
  5. djcbilly

    djcbilly New Member

    Map
    And yes my points are zeroed.
     
  6. Skyliner33

    Skyliner33 Senior Member VIP Member T6 Legend

    The broker you used wanted double the price I eventually paid (same underwriters as well).
     
  7. Kevthegas

    Kevthegas Senior Member T6 Pro

    For me they were the cheapest, £317 modified policy on a T32 Lwb 204 Kombi 4M. Full business use and 10k miles.
     
  8. Tourershine

    Tourershine Senior Citizen. VIP Member T6 Legend

    Map
    Speaking through experience :cry: try Adrian Flux. They specialize in these situations.
     
  9. djcbilly

    djcbilly New Member

    Map
    Sorted with Adrian Flux. Many thanks for the tip.
     
    Tourershine likes this.
  10. Tourershine

    Tourershine Senior Citizen. VIP Member T6 Legend

    Map
    Just don't ask me how I know they are the best to use in these situations :whistle:

    Glad you're sorted.
     

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