Insurers who ask for accidents in the last 3 years?

VincentHanna · 23 Oct 2020 at 10:46

I'm finally past the point where I have to declare my cyclist accident/incident - As long as Insurers only ask for 3 years history

The comparison websites ask for 5, but places like Admiral ask for 3.

Any ideas what other ones I can try?

Semple · 23 Oct 2020 at 11:31

Wow was that 3 years ago, i remember following your story. Still can't believe that guy managed to get a claim, what a cretin.

Nasher · 23 Oct 2020 at 12:20

Not come across any. I think 5 is pretty standard :/

[TW]Fox · 23 Oct 2020 at 12:26

Nasher said:
Not come across any

I mean one of the largest insurers in the UK is at least one.

Nasher · 23 Oct 2020 at 12:29

Yes but Admiral are ****.

disfunktion · 23 Oct 2020 at 12:46

Nasher said:
Yes but Admiral are ****.

Had no issues with Admiral - had two cars insured with them recently. Albeit the website is a bit archaic but there are no 7894789789 hour waits to speak to someone if you need to call them.

Howard · 23 Oct 2020 at 13:16

Nasher said:
Yes but Admiral are ****.

Why?

Phil99 · 23 Oct 2020 at 16:51

Direct Line are interested in claims in the last 3 years and convictions/penalties in the last 5

ShiWarrior · 23 Oct 2020 at 17:13

does your premium go up then OP ?

i had an accident 2016, so still within 5 years, premium made no difference at all

maybe because i have over 10 years NCB and no other accidents, convictions etc ?

bainbridge · 23 Oct 2020 at 17:21

I used to try one or 2 insurers directly as well as the comparison sites but they were always dearer, I dont bother now. The comparison quotes will load if rating 5 years history and won't if they rate 3 years anyway.

When I was at the 3 year point after hitting a cyclist I used to run the same quote through with and without the accident, and I wouldn't insure with a company that loaded for it.

Accident was my fault but no claim made, I settled privately.

Rroff · 23 Oct 2020 at 17:21

Had no problems so far with Admiral - service has been good when I've needed to call them to adjust policy or day cover, etc. the only issue seems to be they've randomly jacked up price by like 3-4x for friends/family and won't/can't bring it down much forcing people to go elsewhere eventually - hoping that doesn't happen to me with the renewal coming soon.

VincentHanna · 23 Oct 2020 at 18:11

ShiWarrior said:
does your premium go up then OP ?

i had an accident 2016, so still within 5 years, premium made no difference at all

maybe because i have over 10 years NCB and no other accidents, convictions etc ?

I have 13 years no claims bonus because it was protected/guaranteed but I'm guessing declaring a 'at fault' claim that cost £20,000 is having some affect on my insurance

For instance, why does my E200 Estate cost £700+ per year? (Admittedly I do have business use on there)

paradigm · 23 Oct 2020 at 19:02

AXA also only ask for 3 years for accidents/claims.

They have also incidentally been the cheapest quote (with the exception of companies I wouldn’t touch with a barge pole, or those that insisted on a “black box”) for me for the last 3 years.

My S3 was costing me £450~ a year, and my 440i is a little more at around £500.

VincentHanna · 23 Oct 2020 at 20:55

paradigm said:
AXA also only ask for 3 years for accidents/claims.

They have also incidentally been the cheapest quote (with the exception of companies I wouldn’t touch with a barge pole, or those that insisted on a “black box”) for me for the last 3 years.

My S3 was costing me £450~ a year, and my 440i is a little more at around £500.

Just tried them and had this bizarre response:

Quote declined
Unfortunately the details you have entered mean we cannot provide you with cover. If you would like to review your details to ensure that they are correct, please select 'Back'

xraycat87 · 23 Oct 2020 at 21:02

Directline will be your best bet.

VincentHanna · 23 Oct 2020 at 21:11

Now Admiral (my own insurer) are saying I need to call them

I've gotten about 10 different quotes for various cars in the past few days (currently deciding what to get) - Is this an issue?

xraycat87 · 23 Oct 2020 at 21:32

VincentHanna said:
Now Admiral (my own insurer) are saying I need to call them

I've gotten about 10 different quotes for various cars in the past few days (currently deciding what to get) - Is this an issue?

I'm not sure why it would be an issue unless it refers or triggers something on their system.

After 3 years we pay no attention to accidents. They'll be in the background somewhere but it wouldn't affect the policy.

DanTheMan · 23 Oct 2020 at 23:08

I know there's a lot of cross referencing quotes nowadays.

I did some quotes with and without an sp30 a few years ago as I was worried I'd been caught speeding but nothing came of it.

I then got an email from my insurer asking to send a licence check and confirm I'd not had any motoring convictions as they had reason to believe I may have.

On Holiday · 23 Oct 2020 at 23:49

Aviva.

One of the cheapest too.

CaptainRAVE · 24 Oct 2020 at 10:20

VincentHanna said:
cyclist accident/incident

Admiral are useless. Someone ran into the back of me, no fault, all taken care of. 7 years, yes, 7 years later Admiral write to me to say ‘sorry, you’ve been overpaying while with us as we incorrectly took all your NCB away (no one had stated this), here’s upwards of £1000 refund’. Fortunately I was no longer using these jokers anymore, nor will I again.