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[maggot99]

Hi All
i'm just returning to the uk after 15 years away
and have taken my fathers old 03 Omega auto 2.6V from the garage
its only 30K on clock have looked at resale value an dont want to let it go for that TBH because it.
like wise the insurance i've been quoted with little of no claims is difficult to swallow too

can anyone recommend insurance specialist for an over errrr 40

thanks
m99

[Terbs]

How long is a piece of string, matey

You will bound to get many replies as to peoples personal experiences
My bit thrown in...I deal through a broker, and I pay £195 for my 2.5 with full NCB, I pay £225 for my 2.6 with less NCB, and my latest  2.6 addition with no NCB costs me £326.

There may be companies cheaper, some dearer. If you use the web for your searches, although the price might seem good...double check what the excess charges are. Some are ridiculous
Incidently my companies are Ageas, Groupama, and ABC

[maggot99]

thanks T
i have no transferable NCD hence the mad £705 premium on a car thats prob only worth x2 to x3  that
i really dont want to sell it its immaculate but the costs will be a killer
will my old dad ever forgive me

[steve6367]

I have just insured my new 2.5 Estate with no NCD as its a new car to me and my NCD is allocated elsewhere - £38 for one month, so I assume £456 for a year if I needed it....

[Vicar]

Insurance is a lottery,,  usually governed by your postcode to start with.
Go on the comparison sites, I did find a drop down box that ask how many years you can prove you have been claim free. Maybe because you lived outside the UK, you'll be hit again for that.
Insurance company's will screw you for each penny they can.

[Sir Tigger KC]

Phone around.  I've come back from living overseas before and managed to get the full NCD by claiming that I had been driving abroad and never had an accident.  If this is the case for you and especially if you can prove it then you should be able to sort reasonable insurance. 

You'll need to speak to a human though, as comparison sites don't cater for this sort of scenario. 

[Mr Skrunts]

Once you find some to insure with, keep ringing back comparing prices.  I have just re-insured with admiral multicar today.

Renewal notice = All your vehicles covered for £490.95
1st call brougt it down to 394.91
 Went on comparison sites, Hastings 2 x single policies came to a total £371.44
Back to Admiral knocked down to 359.66 (after a bit of a haggle)
Final Price was  (183.91(03 2.2 CD)+175.75(3.0 Elite) rounded off to £355 (Told him I dont like odd numbers.


Play them against eash other, it pays off. 

[driver115]

I usually pay between £150-£180 fully comp on my 2.6 auto - each year I get quotes from a number of providers, clean license and no claims - usually have 3 or 4 cars on the go and have noted that Aviva have recently been helpful on allowing upto full no claims bonus on 2 or subsequent cars on a multi vehicle policy - good luck with your quotes

[Diamond Black Geezer]

Once you find some to insure with, keep ringing back comparing prices.  I have just re-insured with admiral multicar today.

Renewal notice = All your vehicles covered for £490.95
1st call brougt it down to 394.91
 Went on comparison sites, Hastings 2 x single policies came to a total £371.44
Back to Admiral knocked down to 359.66 (after a bit of a haggle)
Final Price was  (183.91(03 2.2 CD)+175.75(3.0 Elite) rounded off to £355 (Told him I dont like odd numbers.


Play them against eash other, it pays off. 

I got told that they can only input the data in their computer same as I can on my laptop at home, and so there will be no difference in price. So I asked why do they exist in the call centre, then, if everyone can just get an online quote, and that's that? He didn't have an answer, just said nothing he could do about it 

Not disagreeing with you, at all, ringing around does pay off. I actually did some online quotes with a meerkat, and took a note of the quote numbers (juggling things like annual mileage, and the car's value, excess etc until I found a 'sweet spot') I then rang the cheapest high ranking member of the Navy, gave them them a quote number - when this was lower than what they'd just quoted me there was a pause. I asked "well can you insure me, then?" he was clearly a bit bemused as to how he'd apparently got me the 'best' price, but I'd given him a quote number that came out lower. So that was that, they insured me. 

If it helps my first year of Omega ownership, new driver, and therefore no NCD, had license for 1 year came to about £580, this year £480. Surely a chat and a natter, explaining the situation you do have many years NCD, just abroad, so are a decent 'insurable' driver must pay off. Hopefully. In my experience they're a bit unwilling to listen to reason.