Insuring after a 'cluster' of incidents
Insuring after a 'cluster' of incidents
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winshent

Original Poster:

1,174 posts

213 months

I've had 5 incidents in the last 3 years in my much loved F31 335d estate ( not remapped )..

1. Jan 2023 - i reversed into a car - £1500 of damage - my fault
2. Oct 2024 - nudged the car in front whilst white van man was trying to force his way in to traffic - 3k damage
3. Jan 2025 - old lady hit my car - not repaired ( did not get repaired before Feb incident below ) so no claim
4. Feb 2025 - young lady hit my car in same area as Jan incident above - not repaired ( did not get repaired before May incident below ) so no claim
5. May 2025 - old man hit my parked car and wrote it off

As a result not getting may quotes on the comparison sites.. i guess not many want to insure me..

Any specialist brokers you guys can recommend for insurance or just general advice?

Current garage all currently on a multicar policy is

Giulia Quad - best quote = £2000... this is with current insurer... most others over 3k..
X3 m40i - best quote = £1500... this is with current insurer...
Mk1 Focus RS - best quote = £500

Tempted to add a ghost on the quad and mothball it uninsured til March in a mates garage and let the anniversaries of most of the incidents roll over as its not going to get used much over the winter.. but will it make a significant difference?


alscar

6,998 posts

231 months

Yesterday (09:00)
quotequote all
Sounds like you "only" claimed on incidents 1, 2 and 5 then and this is what you are putting into the various search engines I presume ?
What was your record like in the 2 prior years ie back to 2020 ?
Age ,occupation ,post code ,cars themselves etc will also all be factors but in any event you probably won't fit the matrix the engines use.
I would be calling a local Insurance broker and let them do the work.
The incidents will take up to 5 years ( depending on the insurer ) to be washed through.
What did your current Insurer say or was their quote eye watering ?