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Car insurance

Discussion in 'Life in the UK' started by missQT, Sep 11, 2017.

  1. missQT
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    missQT Member

    We can drive in UK for 12 months from the spouse visa date in the card. We called DVLA to confirm this.
    Regarding the insurance, we thought that drivers with international license have higher premiums, they considered my years of overseas driving experience when I got insured using international license.
    Now that I passed they suddenly don't want to consider this overseas experience, weird. o_O
  2. bigmac
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    bigmac Well-Known Member Trusted Member

    you have to shop around for car insurance--its a nightmare. you can go online and get different prices from the same company---or phone up--get a quote--phone again a few days later and its different. just keep going till you find a deal that you think is reasonable.
  3. KeithAngel
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    KeithAngel 2063 Lifetime Member

    Our case is a bit different my missus learnt to drive here in the UK and I put her on My insurance as a learner and from that time she was earning no claims in her own right with the NUF.

    When she passed her test the premium went up slightly but with her age increasing in May next year she will have two years and insure in her own name , which has worked out about 35% cheaper than if she had insured in her own right from the start
  4. Des
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    Des New Member

    Hi all
    I’m a uk citizen and want to put my fiancé who holds a Philippine driving licence onto my insurance as a named driver. My current insurers won’t insure anyone who has not been resident for 2 years. Any suggestions
  5. Des
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    Des New Member

    Hi missQT
    I’m a uk citizen and want to put my fiancé (fiancé visa) who holds a Philippine driving licence onto my insurance as a named driver. My current insurers won’t insure anyone who has not been resident for 2 years. Any suggestions as to companies who sea, with this situation.
    Regards
    Des
  6. bigmac
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    bigmac Well-Known Member Trusted Member

    i had no problem getting quotes to add my wife to a policy in my name--even though she hasnt been in the UK 2 years yet--and hasnt passed her test--in fact--not even got a provisional licence yet ( but i put she had it for 1 month ) amazingly--some premiums were lower than i pay now--just for me. ( LV )

    just shop around on the usual search sites.

    edited to make more sense !
    Last edited: Jan 23, 2018
  7. HaloHalo
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    HaloHalo Administrator Staff Member

    Asawa is going to be embarking on driving shortly. She should have done it years ago to be frank.

    Initially having some lessons then driving the family car. The cheaper insurance you mention surprised me so hopefully that will be the case for us.
  8. bigmac
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    bigmac Well-Known Member Trusted Member

    the bad news is--though--that once she passes the test--the insurance will go up!
  9. HaloHalo
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    HaloHalo Administrator Staff Member

    Hmmm why doesnt that surprise me :)
  10. KeithAngel
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    KeithAngel 2063 Lifetime Member

    £12 a month up in our case
  11. bigmac
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    bigmac Well-Known Member Trusted Member

    it happened recently to a friend of mine--her son passed his test 1st time--hes 20. got his own car and insurance---when he notified the company he had passed--up went his premium--a hefty hike.

    but--its logical if you think about it. as a learner--he could only drive his car with a qualified driver next to him--therefore limited opportunity. now hes passed his test it gets used a lot more--without a supervisor riding shotgun for him.
  12. HaloHalo
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    HaloHalo Administrator Staff Member

    Yep I guess it is. However the insurance industry being what it is. Here my colleague just passed this article on to me, was going to make a thread but here is appropriate enough, go figure!

    Your Hotmail email address could land you bigger car insurance bills

    Admiral charges Hotmail users up to £31.36 extra for car insurance vs Gmail users as email addresses are used to decide premiums
    One of the UK’s biggest car insurance companies has admitted charging people more for their car insurance if they apply with a Hotmail email address.

    Investigators found that changing the email address used for an insurance quote from a Gmail one to a Hotmail caused the car cover price to shoot up by as much as £31.36.


    http://www.autoexpress.co.uk/car-ne...ess-could-land-you-bigger-car-insurance-bills
  13. bigmac
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    bigmac Well-Known Member Trusted Member

    i think car insurance search engines use--cookies is it--? so if you get a quote--then a few days later--run the search again the prices will go up.
  14. HaloHalo
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    HaloHalo Administrator Staff Member

    Well just like lots of things these days you are generally emailed your policy or encouraged to so at that point they know your email address. Same with the Price comparison sites, they also encourage you to sign-up with an email address. Some analyst has crunched the data and determined hotmail users are more prone to a crash, hence the hike.
  15. Mattecube
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    Mattecube Glad i did it Trusted Member

    yougov.co.uk/news/2012/10/15/hotmail-britains-top-choice/

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