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Car Insurance with zero no claims bonus?
I have zero no claims bonus
I have had a company car for the past 6 years so have lost all my no claims bonus. I phoned up hastings direct only to find even though i am 40 years old, have a 2004 volkswagon passat estate diesel turbo and have NEVER had any sort of car insurance claim, hastings direct would not even consider me for any introductory bonus, but would instead quote me a ridiculous premium that was laughable of nearly £600 just because of my zero no claims bonus.
I then tried tesco car insurance online but they too faced me with a similar problem so I found myself uninsurable at a reasonable rate for my circumstances.
My last hope was a local car insurance broker, A Plan car insurance. I phoned them up after a recommendation and spoke to a guy who really knew his stuff. All he requested was a simple letter from my old boss stating I had not made any claims and this would suffice. I told him about the online car insurance problems I had faced and he told me the car insurance websites are just not geared up for insurance premiums that can't be dealt with immediately after quoting. I am now insured for a little over £300 which is what I expected as a realistic rate for fully comprehensive cover.
In my experience the online car insurance companies / websites will usually refer you to the phone after discovering you have zero no claims bonus, then put you in a queue only for a commission-based operator to tell you at the end of a twenty minute 150 question session that you are not eligible for a reasonable quote with their company.
Colin James
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