Meet the Other Phone. A phone that grows with your child.

Meet the Other Phone.
A phone that grows with your child.

Buy now

Please or to access all these features

Money matters

Find financial and money-saving discussions including debt and pension chat on our Money forum. If you're looking for ways to make your money to go further, sign up to our Moneysaver emails here.

Insurance for a second hand car with 4 previous

5 replies

Mimilamore · 30/03/2024 18:00

Just bought a car, run around locally, 1 previous lady owner.
Our attempt to insure it has been rejected because of 4 previous claim. 2 no fault and 2 fault.
I had paid first instalment when I got message that we were about to lose our insurance, have cancelled and got payment back.
Now has anybody any recommendations for insurance companies to try before we go off on a tangent...?
Would appreciate.
Thank you

OP posts:
NewName24 · 31/03/2024 00:31

I'm confused.
Insurance is based on the owner and current drivers, not the history of previous owners.
Unless it has been written off, maybe and bought back ?

Mintyt · 31/03/2024 02:39

When you took out the insurance did you declare the clams, if you didn't or didn't declare correctly when the insurer checked with the CUE data base and added the non declared claims the cover was unacceptable. You need to go on line with compare the market and do a quote with the correct information.

HeddaGarbled · 31/03/2024 02:50

To be clear, it’s you that has made 4 previous claims on a previous car or cars, not the one previous lady owner of your new car?

Mimilamore · 01/04/2024 10:09

Yes it is my husband who has made the claims, sorry for confusion, I'm not a driver...

OP posts:
JoshLymanIsHotterThanSam · 02/04/2024 15:26

You only have to declare any claims in the last 5 years. So if hubby has had 4 x claims in 5 years you are going to be classed as pretty high risk and some insurance companies are not going to want you. Having said that I assume you didn’t declare these claims.

So now you have to declare that you’ve had insurance refused/cancelled which is going to up your premiums again!

New posts on this thread. Refresh page
Swipe left for the next trending thread