Insurance After A Ban

djcbilly

New Member
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?
 

Skyliner33

Senior Member
VCDS User
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.
 

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 !!!
 

djcbilly

New Member
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.
 

Skyliner33

Senior Member
VCDS User
VIP Member
T6 Legend
" 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 !!!
The broker you used wanted double the price I eventually paid (same underwriters as well).
 

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.
 

Tourershine

Senior Citizen.
VIP Member
T6 Legend
Speaking through experience :cry: try Adrian Flux. They specialize in these situations.
 
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