This is going to hurt.

[Rotaryguru]

OK everyone, I know I\'m in a bad position here, but some help please.
I\'m trying to insure my RX7, which is on its way. I\'m 26 and need to surrender my NZ drivers licence (had for 10 years) for a UK one.
 
So, all I want is 3rd party insurance. Not worried about the rest, as in two years I\'m going back to live in Australia.
 
Its so difficult to get insurance here in the UK, and i\'ve never had a speeding ticket, or made a claim!!
 
Am calling all of the insurance agencies (AON won\'t touch me) has anyone else been in my position, and know of a company that might insure me?
 
Help please!!!:mad:

[elford_tim]

I feel your pain, it was an absolute pain in the backside for me to get reasonably priced insurance on anything remotely quick a few years ago after I had to swap my German license for a UK one. For some reason companies classed me as a new driver despite the back of my license showing that I passed my test back in \'86.

One tip, it may be worth trying to get TPFT instead as a lot of companies do seem to be wary of insuring higher-value cars TPO.

I had to go to some high-street broker when I came over here initially as all the other companies wouldn\'t even bother quoting me.

[Rotaryguru]

Thanks elford_tim, yeah, I just want third party, even without the theft (they can prise the car from my cold dead hands!!:Grrr ) Its so hard, no claims, no convictions, no speeding tickets, and no insurance. :mad:
 
So tell me more about high street brokers? I assume I just google insurance brokers?
 
I\'ll wait till the car is registered, i\'ve surrendered my NZ licence, and the car is here!!

[DC-TYPER]

just bend the truth slightly, they wont check

[elford_tim]

@Rotaryguru, have a wander down your local high street or have a look in the Yellow pages .

Regarding TPO vs TPFT, a lot of insurance companies appear to be working on the assumption that someone who\'s only willing to pay for TPO represents a higher risk as they "don\'t care about the car" or somesuch nonsense. Hence the suggestion to go TPFT. Also, you\'ll have to get the car insured so you can drive it to the MOT station, otherwise you can\'t register it. Nevertheless if it\'s an FD you\'ll have a lot of problems insuring it, especially if it\'s modified. It took me about 8 years to get to the point where I can insure almost anything for a fairly reasonable cost.

@DC-Typer - I wouldn\'t say that this is good advice, if something happens (like the granny around the corner driving into Rotaryguru\'s car) and they do check, he\'d be SOOL.

[deanflowers]

try livingstones warmen

//www.lwib.co.uk.

i\'m with them and they will answer the phone straight away, they are really friendly. They are a broker but everyone ive recomended has saved money

i\'m paying £420 and i\'m 26 but have had a licence since 17 and bonus

[Rotaryguru]

a higher risk as they "don\'t care about the car" or somesuch nonsense. Hence the suggestion to go TPFT.

Ok, I need to get an alarm anyway, so will go for TPFT. I\'ll drive it to the MOT station, its not far!!!  :Thumbs-up

[Rotaryguru]

try livingstones warmen
 
www.lwib.co.uk.
 
i\'m with them and they will answer the phone straight away, they are really friendly. They are a broker but everyone ive recomended has saved money
 
i\'m paying £420 and i\'m 26 but have had a licence since 17 and bonus

Thanks for all the help guys!! Keep it coming!!! I just need a insurance company to listen to the situation, I am a good person to cover!!!:cool

[Jin Kazama]

I have had TPO on my FD with this lot http://www.budgetinsurance.com/car_searchpanel.asp?SRC=B131&WT.srch=1&gclid=CKj21J-QtJACFQFZQgodlQYKLQ
I think the value of your car must be under £5k to be ellegible for TPO, you only need to declare this to them, (but be mindful of the possible implications when doing this), ridiculous eh.. ask for legal fees to be removed, offer a limited mileage and if you do not use the car for commuting, make sure you get insurance domestic and pleasure only.

[Jin Kazama]

insurance...:Grrr :Grrr I am starting to get hot under the collar..

[Rotaryguru]

I have had TPO on my FD with this lot http://www.budgetinsurance.com/car_searchpanel.asp?SRC=B131&WT.srch=1&gclid=CKj21J-QtJACFQFZQgodlQYKLQ
I think the value of your car must be under £5k to be ellegible for TPO, you only need to declare this to them, (but be mindful of the possible implications when doing this), ridiculous eh.. ask for legal fees to be removed, offer a limited mileage and if you do not use the car for commuting, make sure you get insurance domestic and pleasure only.

Yes, definately only a weekend car, and will ask for limited mileage. I live in the middle of London and walk to work, so no commuting, I think the congestion charge and parking would eat my bank account!!

[Jin Kazama]

Oh, and say that you are a Civil Servant, one of the lowest risk occupations apparently (but again, be mindful of the possible implications when doing this)

[David Nock (RIP)]

just bend the truth slightly, they wont check

Never, ever bend the truth with Insurance Companies. The checking comes after an accident, not before. The slightest inaccuracy in your statements means they\'ll walk away from you, leaving you possibly with a civil action and a claim against all your assets from the 3rd party.

Try Admiral Insurance (Yellow Pages). A good long time ago they helped me with an unusual insurance risk. (A car without a quoted book value due to extended storage new). They may not be the same people now of course.

In general, if the sales people seem unhelpful anywhere, ask to speak to the Underwriters directly.

[iaint]

It\'s worth calling A-Plan (based in Newbury).  Their \'special vehicles\' unti is used to dealing with imported cars and drivers with "odd" circumstances.  You will at least be able to discuss it with someone who is helpful and knowledgable rather than go through a set of standard forms and have \'computer sayas no\' as an outcome!

[Rotaryguru]

Never, ever bend the truth with Insurance Companies. The checking comes after an accident, not before..

[/quote]In general, if the sales people seem unhelpful anywhere, ask to speak to the Underwriters directly.[/quote]
 
Both pieces of very good advice. I\'ve found the call centre people very unhelpful, so I will speak to the underwriters. And I would never lie on the details, they always check, and I always read the fine print which normally says something like \'we will leave you high and dry, if we find one thing out of order with your claim\'