Reply To: Ah sure kick a man when he’s down.

#317298
Glos Guy
Participant

    I feel for you @des That’s just crazy. Having an auto only licence shouldn’t affect the premium, and it’s a very modest car so, unless you live in an exceptionally high risk area and park on the street (and / or are particularly elderly) I am at a loss as to why your premium is so high.

    I don’t have a restricted licence, am not disabled, live in a low risk area and park in a garage, but I looked at quotes for a significantly more expensive BMW X5 with a high performance engine and, even with just 3 years no claims bonus most quotes were around £650 fully comp, which would obviously drop as my no claims built back up.

    Presumably you’ve tried the insurance price comparison websites? I’d start again just incase you’ve inadvertently answered a question incorrectly. The other option, if the high weighting is down to you for some reason, is to add a family member who is say 30-60 years of age with a clean licence and good no claims history and in good health as a named driver, even if they will never drive the car. This will change the risk profile on the policy. This approach works brilliantly for young drivers. Adding a parent as a named driver, even if they will never ever drive the car, massively reduces the insurance premium whilst still allowing the youngster to build up no claims history in their own name.