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Thread: insurance after driving mobility car

  1. #1
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    insurance after driving mobility car

    hi i have drove a mobility car for the last 3 years now i am getting my own car is there any insurance companies that take into consideration that i have drove a mobility car just insurance quotes im getting are ridiculous as you don't get any no claims bonuses thanks..

  2. #2
    Senior Member Lighttouch's Avatar
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    car insurance

    Your position is interesting as I'll be in your shoes in 10 months.

    Here's some tips to help you get a betterquote.

    First of all you won't have built up any no claims bonuses as you've been insured via 'fleet insurance'. So I'd say it's best to contact Motability''s insurance company that I think is Royal Sun Alliance (RSL). They will have a record as to how many claims you\ve made in the last 5 years. RSL will give you a quote too if you want.

    Ways to reduce your insurance premium -
    - depends on your postcode - nothing you can do there
    - do you park your car off-road or in garage
    - it will probably be more expensive if you are the sole named driver. Try adding a second person with a clean driving licence as that helps. Insurance companies prefer two drivers.
    - Excess - the more you are prepared to pay as an excess the cheaper the premium.
    - Courtesy car - the insurance may offer a free courtesy car if yours is off the road. However you might find that they would only offer the base model that doesn't meet your access needs so it's pointless looking for insurance with this feature if you can't use this service.

    And finally I wonder if you could be added as a 'second driver' to someone else. For example add a driver with a good driving licence as the main driver and you as the second driver that way you'll build up your own no claims discount. Not sure how legal this is but you could make enquiries. You could save hundreds this way.

    Check out the car insurance websites for best price
    http://www.moneysupermarket.com/?Sou...3791|77823518|

    Let us know how you get on.

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    I looked into this and it varies from company to company, some will accept a letter from RSA as proof of no claims and some will not. Idid a quote of a price comparisom site then contacted the top 4 cheapest. 2 said they would accept and 2 would not.

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    Quote Originally Posted by paul1234 View Post
    I looked into this and it varies from company to company, some will accept a letter from RSA as proof of no claims and some will not. Idid a quote of a price comparisom site then contacted the top 4 cheapest. 2 said they would accept and 2 would not.
    what ones accepted them thanks

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    Churchill was one, cannot remember the other one, hope thats of some help.

  6. #6
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    I know Liverpool Victoria accept RSA No Claims.
    Motability Car History
    05/2009-05/2012; Nissan Qashqai 1.5 Diesel Tekna; 36,500 miles; avg 41.1mpg (34.2 - 56.5mpg)
    06/2012-Present; Ford C-Max 2.0 Diesel Titanium Powershift; 28,900 miles; avg 37.9mpg (33.6 - 56.7mpg)

    Click here to send me an email with any private Motoring questions you may have. Replies usually within 48hrs

  7. #7
    Senior Member Lighttouch's Avatar
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    Churchill

    I looked at the Churchill on line calculator but couldn't find my renault scenic make so I put in the next model - the Grand Scenic'. With no years bonus, no courtesy car, 400 excess the one off payment comes in at 488 otherwise if spread over the year comes to 528.

    There's no feature that asks if you were a former motability customer. Obviously AA cover would be extra.

    Considering that a new Renault Scenic Auto's advance payment is over 3290 (includes car alarm at 250) lease hire charges of say 7500 over 3 years - 10,790 in total.

    If I bought my lease car after 5 years it would cost about 3500
    - plus insurance over 3 years totaling about 1500
    - plus 3 services at 150 each totals 450
    - AA over 3 years about 150

    Total cost to buy, insure, service plus breakdown cover over 3 years - 5600

    Depreciation
    If I buy the car for 3500 at beginning of year six.
    Depreciation at end of year six if it depreciates by 25% per year = 875
    Value in year seven - 2625 minus 25% =656 depreciation
    Value in year eight - 1969 minus depreciation at 25% = 492

    Value of car after 3 years (8 years old - about 45,000 miles on clock) = 1477 (loss of 2023 in depreciation)

    Total cost to buy secondhand minus petrol = 7623 saving 3167 over the lease Motability scheme.

  8. #8
    Senior Member Lighttouch's Avatar
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    revised cost comparison

    Total cost to buy, insure, service plus breakdown cover over 3 years - 5600

    Depreciation
    If I buy the car for 3500 at beginning of year six.
    Depreciation at end of year six if it depreciates by 25% per year = 875
    Value in year seven - 2625 minus 25% =656 depreciation
    Value in year eight - 1969 minus depreciation at 25% = 492

    Value of car after 3 years (8 years old - about 45,000 miles on clock) = 1477 (loss of 2023 in depreciation)

    Total cost to buy secondhand 5600 plus 2023 = 7623 minus the ownership of the car which is an asset eg 7623 minus 1477 - 6146

    The difference in costs between leasing and buying this model 10790 minus 6146 = 4644 or 30 a week! I think I'll stick with my old pristine, accessible existing car when the lease expires as I'm not trying to keep up with the Joneses!
    Last edited by Lighttouch; 01-11-2012 at 03:54 PM.

  9. #9
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    Quote Originally Posted by paul1234 View Post
    I looked into this and it varies from company to company, some will accept a letter from RSA as proof of no claims and some will not. Idid a quote of a price comparisom site then contacted the top 4 cheapest. 2 said they would accept and 2 would not.
    Thanks for this i went to Churchill's on your recommendation and they http://www.rabbit-insurance-broker.co.uk accept a letter which obviously makes it a lot easier
    Last edited by LucyJane; 06-21-2012 at 10:40 AM.

  10. #10
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    I found someone else who will accept.

    Chris Knott insurance, they are a specialist broker.

    You have to call them though.
    Motability Car History
    05/2009-05/2012; Nissan Qashqai 1.5 Diesel Tekna; 36,500 miles; avg 41.1mpg (34.2 - 56.5mpg)
    06/2012-Present; Ford C-Max 2.0 Diesel Titanium Powershift; 28,900 miles; avg 37.9mpg (33.6 - 56.7mpg)

    Click here to send me an email with any private Motoring questions you may have. Replies usually within 48hrs

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