Car Insurance

So I have a US licenase and DH is trying to add me to his insurance and cant??
what companies will do this and how do we go about doing this as this will not make me happy if I have to do driving tests ASAP

thanks

I'll PM you the name of our insurance company. We were able to add me AND it lowered DH's payments!

I haveno tickets or accidents in almost twenty years of driving. Thank you
it's also his car is a jaguar and the motor is to big for me to drive? I mean r u kidding me

thank thank you I hope it works as I feel stranded

Did they say that!?  "the motor is too big for you to drive"??

Yes and they said it's his car if it were a smaller liter engine. Will try your place though

They sound like they're full of it.  The size of the engine and sporty-ness of the car are contributing factors (amongst other things like where it's kept, how old it is etc.) in the price of insuring it, but not in the fact of whom can drive it.  They're absolutely full of it and themselves.  Sounds like they've got muppets working for them!  Their big deal is probably more that you don't have a UK license and see it as a potential hazard if they're seen to be insuring you and you're driving illegally (ie - go past the 1 year concession and not have a UK provisional or full license)...

I'd probably go with whomever Mirrajay suggests and possibly also look at speaking to an insurance agent to try and suss out and find you the best deal possible too.

Good luck! 

They sound like they're full of it.  The size of the engine and sporty-ness of the car are contributing factors (amongst other things like where it's kept, how old it is etc.) in the price of insuring it, but not in the fact of whom can drive it.  They're absolutely full of it and themselves.  Sounds like they've got muppets working for them!  Their big deal is probably more that you don't have a UK license and see it as a potential hazard if they're seen to be insuring you and you're driving illegally (ie - go past the 1 year concession and not have a UK provisional or full license)...

I'd probably go with whomever Mirrajay suggests and possibly also look at speaking to an insurance agent to try and suss out and find you the best deal possible too.

Good luck! 

I'm pretty sure I read somewhere that your insurance is considered voided if you are driving on an expired licence, so they shouldn't have to pay for any damages if that were the case. We were with Churchill and they wouldn't accept me until I had my UK licence for a year, so we had to switch to RAC. I'm pretty sure we used a comparison website to find some other insurance carriers to try. Then we just called around until we found the best one. I hope you find someone to insure you! It is harder to get insurance as a "new driver" (well, new in their eyes, anyway) if you have a sporty car. That was a problem for us, as well.

Well now I know 2 people on the forums whose husbands added them with their american license and NOT a provisional...same insurance company...

So we are thinking he calls and gets it and then ADDs me

See Kevin is so nice he calls up to inquire first and asks all the question not just call and sign up liek the rest of the world lol

*crossing fingers*  as I feel stranded and stuck in the house but darn it I will find a way to IKEA and Elly will meet me lol

They sound like they're full of it.  The size of the engine and sporty-ness of the car are contributing factors (amongst other things like where it's kept, how old it is etc.) in the price of insuring it, but not in the fact of whom can drive it.  They're absolutely full of it and themselves.  Sounds like they've got muppets working for them! 

Sort of.  Those factors also affect who insurance companies are willing to insure.  It's not that your legally "not allowed" to drive certain cars just that that particular company won't sell you insurance.

It's notoriously difficult for new drivers or young people to get insurance to drive expensive or powerful cars.

I think you are on the right track.  When my husband called, he didnt bother ASKING, he TOLD them to do it   And, as I said to you, he has a very powerful, stupidly fast car.  Hopefully a different approach with a different agent may do the trick.  Its worth a try!  Good luck.

Hi there,

Insurance can and does vary quite alot in price, coverage and entitlements and clauses. What may work with one insurance company for one person/policy may not work with the same insurance company for another person/policy.

Different insurance companies load their risk assessment in different ways. In this case, it's perfectly usual to hear 'sorry, we can't insure you on that car as it's engine size Vs risk assessment (and other factors) means its not insurable with us' - You'll have to try another insurance company and then one that's willing to offer a decent rate to do so.

Having a US license does indeed put drivers in the higher risk catagory - the logic is fairly simple, they perceive the risk as high becuase on paper you haven't got the skills or been tested on the skills for driving within the UK, Get a UK license and you'll have that counted for you in reducing your premium.

As already pointed out, there are other companies willing to add on non UK license holders, just be prepared to pay a significantly higher premium to do so. The risk of course is less if the car in question is one perceived to be a much lower risk. A non UK license holder, on a Jaguar (presumably one of the larger 4 litre and above V8's) and yep, I'm not surprised that a company will say they won't insure you. Hopefully the one mentioned to you in PM will cover you, else phone around. Try Adrian Flux insurance and also try any local insurance brokers, woho may be able to help as well.


Good Luck,
Cheers, DtM! West London & Slough UK!

Dennis
THANK YOU

Its been covered and done!
I am a happy camper!

who do you go with?

http://www.adrianflux.co.uk/

;-)
good luck