Car Insurance Issue ex Company car driver

tech

Hi Im been driving company cars with 14 years now accident free, im looking to but my own car now and as I have insured under an Open Drivers policy. I now have ZERO no claims bonus,

Im 35 full license with 16 odd years, no points on license, no accidents

all the quotes im getting at 3000e per year fully comp for a Octivia, I have got a quote for a 95 1.4 petrol golf and this is 2200e

is there any companies out there, that will allow me to use my last 14 years driving experience and give me a full no claims discount ?? bearing in mind this was a Open Drivers policy and I havent been named on this

Thanks

Damien360

I assume you will still be doing business miles and therefore will be looking for business insurance which comes with a higher premium.

I ran my own company car for a few years and unfortunately no company recognised my driving experience which is very much the same as yours because I was not the car or policy owner. Basically you are treated like a named driver and will be taking out insurance fur the first time.

Oddly, If you lapse a policy then you also loose all your no claims after a short period of time.

I had to pay the insurance in instalments and balance that against the rate per mile I was getting.

Either way it is going to be expensive.

L-M

Find out who you were insured with and ask them for proof of claim free driving or alternatively ask them for a quote.

Damien360

Limerick man wrote: »

Find out who you were insured with and ask them for proof of claim free driving or alternatively ask them for a quote.

I tried the same but as a fleet driver I was not specifically named on the policy so no record of driving experience.

Alkers

Those quotes are ridiculous even with zero ncb. I got a policy through Aviva for approx 700 a few months back with zero ncb and only fleet insurance prior. Iirc, they gave me a discount equivalent to one years ncb. That's on a 1.9l Laguna. I'm 28.

cormie

Have a look at this: http://www.boards.ie/vbulletin/showthread.php?t=2057321312

Get the company you were with to get a proof of driving experience from their insurer, specifically mentioning that in the terms of cover, no accidents or claims were reported in connection with "your name".

tech

@ Simona who did you get insured with?? thanks

edburg

Had to start a fresh insurance with my insignia as nobody wanted to know about my no claims of about 12 years on the astra's policy at time, I found the AA got best quote through wrightway or similar but it was still about 1800.

Axa/Aviva and the like were 3k+.

After 1st year though it was under half that and other companies like 123 etc were happy to qoute and take notice. Now 500 through brokers in Mallow for 3rd year.

Foxhole Norman

My dad has the same problem as he's a sales rep, he kept his no claims by insuring my mom's car or ours.

Liam McPoyle

I work for an insurance company and we regularly get requests for fleet driving experience letters for people that were covered under open driving but weren't specifically named.

The wording we send is something like "as this is a fleet policy the information we have is limited however John Doe was driving on this fleet policy from date x to date y and as per our records no accidents or incidents were recorded for this driver"

Request a letter from your employer to say you were in actual fact driving on their policy during your period of employment.

Contact Wright's Insurance Brokers, they deal with a lot of fleet business so should have no problem getting you a decent price once you can provide the 2 letters.

Alkers

My policy is through Aviva

tech

ok thanks, have I any more options ?

Thanks

To Elland Back

Business Cat wrote: »

....... however John Doe was driving on this fleet policy from date x to date y and as per our records no accidents or incidents were recorded for this driver".

Hi BC. I know the style of letter you are talking about but, as an insurer, how can you state an individual named person WAS DRIVING on any given open drive policy?

cormie

tech wrote: »

ok thanks, have I any more options ?

Thanks

Did you read the thread I linked to?

goz83

To Elland Back wrote: »

Hi BC. I know the style of letter you are talking about but, as an insurer, how can you state an individual named person WAS DRIVING on any given open drive policy?

The same way you prove Mammy (main driver) drove the car little Johnny was a named driver of. You can't. The only difference is Mammy holds the policy and Johnny is actually named on the policy; you just can't prove either of them ever drove the car.

With fleet policies, the letter stating that person B drove on policy C from date X to Y is more, or less a begging letter to show insurance companies. It shows zero driving experience and holds much less clout than being named on a policy.

To Elland Back

goz83 wrote: »

The same way you prove Mammy (main driver) drove the car little Johnny was a named driver of. You can't. The only difference is Mammy holds the policy and Johnny is actually named on the policy; you just can't prove either of them ever drove the car.

With fleet policies, the letter stating that person B drove on policy C from date X to Y is more, or less a begging letter to show insurance companies. It shows zero driving experience and holds much less clout than being named on a policy.

I was asking BC a question as to how he can state that a specific person was a driver under the open drive policy he issued to his client. The rest I already know

goz83

To Elland Back wrote: »

I was asking BC a question as to how he can state that a specific person was a driver under the open drive policy he issued to his client. The rest I already know

Yeah, I know. I was kind of proving your point by saying that the op would not be able to prove any driving experience on the cc policy. Sorry, it kind of looked like I was arguing with you......not surprisingly after the last thread we were on

To Elland Back

goz83 wrote: »

Yeah, I know. I was kind of proving your point by saying that the op would not be able to prove any driving experience on the cc policy. Sorry, it kind of looked like I was arguing with you......not surprisingly after the last thread we were on

I wasn't trying to prove any point, I asked a question of another poster

goz83

To Elland Back wrote: »

I wasn't trying to prove any point, I asked a question of another poster

Well, it can't be proven that any person who had driven on an open fleet policy was actually driving on the policy. I assumed (incorrectly) that you already knew this and you were making the point, in the guise of a question. You have now made it clear that you did not know this and were asking a question of another poster. Apologies for my error.

Pedro K

If you had sole use of a company car for a number of years get a letter from your employer to that effect. Ring brokers and make them aware of the fact that you had sole use of a car and have evidence of same.

If it was on a fleet with many driving you might be fairly screwed and just have to bite the bullet.

To Elland Back

goz83 wrote: »

Well, it can't be proven that any person who had driven on an open fleet policy was actually driving on the policy. I assumed (incorrectly) that you already knew this and you were making the point, in the guise of a question. You have now made it clear that you did not know this and were asking a question of another poster. Apologies for my error.

You continue to have difficulty in reading posts. I 'understand' completely, 100%, totally and in full that it can't be proven that any person had driven under an open driving policy.

I asked a poster, who works for an insurance company, how he could issue a letter stating that he WAS DRIVING under an open drive policy. It is standard to issue a letter advising that no claims had been reported for a particular driver but not that he was driving under the policy

goz83

To Elland Back wrote: »

You continue to have difficulty in reading posts. I 'understand' completely, 100%, totally and in full that it can't be proven that any person had driven under an open driving policy.

I asked a poster, who works for an insurance company, how he could issue a letter stating that he WAS DRIVING under an open drive policy. It is standard to issue a letter advising that no claims had been reported for a particular driver but not that he was driving under the policy

And as my first response actually answered that, you're just being pedantic. You very well that such a letter stating that an unnamed user of a fleet policy drove from and to a certain date. BC, in all likelihood just mistakenly worded his post.

delly

I was in the same position about 6 years ago. At the time I went with insure.ie with the actual policy with Allianz. I got a letter from my employer stating I was a full time company car driver for X years under the policy of X insurance company. They then gave me the equivalent number of years no claims bonus.

To Elland Back

goz83 wrote: »

And as my first response actually answered that, you're just being pedantic. You very well that such a letter stating that an unnamed user of a fleet policy drove from and to a certain date. BC, in all likelihood just mistakenly worded his post.

I'm not being pedantic. You keep harping on about the effectiveness or value of such a letter, I'm asking the poster how he is in a position to write that that a specific person was driving. It was a genuine question (not a dig) from one professional to another

If it was a mistake, fine, but YOU can't answer on his behalf

Liam McPoyle

To Elland Back wrote: »

Hi BC. I know the style of letter you are talking about but, as an insurer, how can you state an individual named person WAS DRIVING on any given open drive policy?

Technically we cannot categorically state that a driver was indeed driving, that is why we would ask for confirmation from the employer or from the broker that the person was employed for the duration and did have access to a company vehicle during that time.

Alot of insurers wont accept a driving experience letter from fleet insurance as it is pretty open ended. Eg, someone working in the office for a logistics company may never drive any of the vehicles but would still have had access to the vehicles say in an emergency situation.

TBH most people that request the letters are either sales reps or drivers by profession so by very definition they would be driving.

All we do is confirm that for the policy life cycle with us the driver didnt have any accidents or incidents if they didnt.

To Elland Back

Thanks Business Cat that's what I thought

tech

this letter should help?

To whom it may concern


We refer to the driver above XXXXX and confirm that he is insured on an open-driving basis since
the Jan 1st 2010

To date no accidents or claims have been reported to us in the name of XXXXX

XXXX was the full time driver of his company car drive since Jan 1st 2010 to date, covered under
the following policies

XXXXX

Liam McPoyle

tech wrote: »

this letter should help?

To whom it may concern


We refer to the driver above XXXXX and confirm that he is insured on an open-driving basis since
the Jan 1st 2010

To date no accidents or claims have been reported to us in the name of XXXXX

XXXX was the full time driver of his company car drive since Jan 1st 2010 to date, covered under
the following policies

XXXXX

Thats pretty much it mate.

Next port of call is to ring a couple of brokers, fill them in, spell it out to them that its driving experience from a fleet so there are no ambiguities and hopefully you will get a decent quote.

goz83

To Elland Back wrote: »

I'm not being pedantic. You keep harping on about the effectiveness or value of such a letter, I'm asking the poster how he is in a position to write that that a specific person was driving. It was a genuine question (not a dig) from one professional to another

If it was a mistake, fine, but YOU can't answer on his behalf

Please, do share where I wrote about the effectiveness or value of such a letter. I don't believe I said anything of the sort. I also did not answer on behalf of BC, I gave my opinion on the subject, which, turned out to be correct, as we both knew. I am glad BC managed to answer your very genuine question for you.