Gloss your absolutely correct. It’s been that long I forgot. I’ve been a Motability customer mostly on than off for past 25 years but I’ve always owned my private Land Rover whether classic or modern. I went through the phase of losing all my NCB shortly after going over to Motability in 1999 and having a serious fatal crash in their car in 2002. Many factors come into effect but with Motability being a commercial provider, at the time almost all the private insurance companies refused to accept the mere couple of years with Motability when I didn’t insure my own vehicle. Their cut-off is usually two years but one allowed three to get me back onto the rails. Three years isn’t thirty seven (1965-2002) though and even worse is when comments are made even today, that stick in your throat.
Although I was blameless in that fatal accident and the other driver totally responsible i decided to go private because we felt safer in a big car such as Land Rover. The insurance companies that offered me a policy still treated me as the villain and I’ve not recovered since 2002. Premiums are tenfold from what they were and now I’m fearful that I’ll ever get private cover at any price.
One very common reason given was “because I’ve never had an accident caused by me and any convictions I must be at greater risk and well overdue”; end quote. “You live in a highly ethnic community and Land Rovers are at the highest risk”. I have a 14 year old Discovery 4.
So yes I agree most underwriters will accept some driving history but not the full entitlement. Unfortunately they control the market.