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Car Insurance

Old Dec 7th 2003, 9:52 pm
  #1  
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Default Car Insurance

This weekend, I had my car vandalised in England and will be making a claim on my insurance

I am due to move to America in January and am wondering how this claim will affect the cost of my insurance in the U.S, or are they more concerned about accidents than any claims made for other reasons?

Any advise?

Thanks
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Old Dec 8th 2003, 1:17 am
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Default Re: Car Insurance

Like your credit history, you car insurance records are not transferable internationally. This can be good, or bad, (good if you have bead credit and are accident prone, bad if you have been careful with your money and your car), but, despite what some people may try to tell you, US car insurance companies have no interest in your insurance outside the US, everyone gets clobbered as if they were a new driver.

Last edited by Pulaski; Dec 8th 2003 at 1:34 am.
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Old Dec 8th 2003, 1:25 am
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Default Re: Car Insurance

Originally posted by Pulaski
Like your credit history, you car insurance records are not transferable internationally. This can be good, or bad, (good if you have bead credit and are accident prone, bad if you have been careful with your money and your car), but, despite what some people may try to tell you, car insurance comapanies have no interest in your insurance outside the US, everyone gets clobbered as if they were a new driver.
Talking of which, has anyone been clobbered going in the opposite direction?

When I went back to the U.K., I was told by the AA I'd get full no claims bonus, as long as I brought evidence of no claims (never had a claim, ever). So I did. My car insurance ended up being about 1200 quid!

When I asked, they said. "Oh yes, you got a 50% discount!" (or something like that). Apparently, so I was told, they charge ex-US residents huge premiums their first year back, on the basis you don't know how to drive safely on the left side of the road! Load of cods, if you ask me. Seems to me if you can adapt to driving in a foreign country, to the point where you've never had an accident, you should be able to re-adapt to driving in the UK quickly enough!
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Old Dec 8th 2003, 2:53 am
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Default Re: Car Insurance

Originally posted by Pulaski
Like your credit history, you car insurance records are not transferable internationally. This can be good, or bad, (good if you have bead credit and are accident prone, bad if you have been careful with your money and your car), but, despite what some people may try to tell you, US car insurance companies have no interest in your insurance outside the US, everyone gets clobbered as if they were a new driver.
i got a letter from my insurers and they gave me a discount. from $860 to $795 for 6 months. Not spectacular but hey it all helps.That was with progressive with wife as main with me as additional. So it doesnt make a big difference but it helps a little.

regards,

Duncan
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Old Dec 8th 2003, 4:25 am
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Default Re: Car Insurance

Originally posted by Duncs
i got a letter from my insurers and they gave me a discount. from $860 to $795 for 6 months. Not spectacular but hey it all helps.That was with progressive with wife as main with me as additional. So it doesnt make a big difference but it helps a little.

regards,

Duncan
I expect that was because you got your US licence...
Pulaski is exactly correct....The claim of UK experience allowance is pure bait...
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Old Dec 8th 2003, 7:34 am
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Default Re: Car Insurance

I suspect there are companies that take into consideration the UK no claims discount. Check with AIG, they specialise in relocation services. there website is
https://www.aig-is.com/factsheetpage...Insurance.html
or www.aig-is.com
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Old Dec 8th 2003, 1:41 pm
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Default Re: Car Insurance

Originally posted by Gross50
I suspect there are companies that take into consideration the UK no claims discount. Check with AIG, they specialise in relocation services. there website is
https://www.aig-is.com/factsheetpage...Insurance.html
or www.aig-is.com
Maybe your right...but my wife has been an insurance agent for 20+ years and never found one yet that genuinely took account of any UK experience...
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Old Dec 8th 2003, 1:44 pm
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Default Re: Car Insurance

Originally posted by Pulaski
Like your credit history, you car insurance records are not transferable internationally. <<snip>>
Are you that absolutely sure that a UK driver's insurance history is not recognized internationally? All international countries?

Perhaps some countries such as Eire, Spain and maybe Australia may recognize a Brit's car insurance history.




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Old Dec 8th 2003, 2:08 pm
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Default Re: Car Insurance

Originally posted by NC Penguin
Are you that absolutely sure that a UK driver's insurance history is not recognized internationally? All international countries?

Perhaps some countries such as Eire, Spain and maybe Australia may recognize a Brit's car insurance history.
NC Penguin
I think Mr P meant US insurance companies will not accept driving records from any other counties..but maybe I'm wrong.

I once asked an Insurance Company Senior Management Execuive about the reason for this, and with a straight face he told me that the American driving exam was of a higher standard and more difficult than other countries... and the worst thing was, He actually believed that....
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Old Dec 8th 2003, 5:30 pm
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Default Re: Car Insurance

Originally posted by ray6
I think Mr P meant US insurance companies will not accept driving records from any other counties..but maybe I'm wrong.

<<snip>>
I think that's what Pulaski meant but that's not what he wrote. Anyone reading what he wrote might take it at face value and not realize the implied meaning.




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Old Dec 8th 2003, 5:51 pm
  #11  
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Default Re: Car Insurance

Originally posted by ray6
I once asked an Insurance Company Senior Management Execuive about the reason for this, and with a straight face he told me that the American driving exam was of a higher standard and more difficult than other countries... and the worst thing was, He actually believed that....
:scared: :scared: :scared:

Did he tell you that on April 1st?

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Old Dec 8th 2003, 8:05 pm
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Default Re: Car Insurance

Originally posted by Duncs
i got a letter from my insurers and they gave me a discount. from $860 to $795 for 6 months. Not spectacular but hey it all helps.That was with progressive with wife as main with me as additional. So it doesnt make a big difference but it helps a little.

regards,

Duncan
My wife is 21, but has a U.S licence. I am 31 with a U.K one, but will have to take the test.
What is the best way to insure, her with me as the named driver or me with her as the named driver or maybe her with an any driver policy

Please advise

Thanks
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Old Dec 8th 2003, 8:49 pm
  #13  
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Default Re: Car Insurance

Originally posted by smiler125
My wife is 21, but has a U.S licence. I am 31 with a U.K one, but will have to take the test.
What is the best way to insure, her with me as the named driver or me with her as the named driver or maybe her with an any driver policy

Please advise

Thanks
Get a quote both ways...see which comes out best
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Old Dec 8th 2003, 11:46 pm
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Default Re: Car Insurance

Originally posted by NC Penguin
Are you that absolutely sure that a UK driver's insurance history is not recognized internationally? All international countries? ....
I was replying to a Brit and so I didn't think it necessary to specify British drivers licences, and as we are posting on a US board I omitted to add "to the USA". Sorry for any confusion caused.

Last edited by Pulaski; Dec 8th 2003 at 11:51 pm.
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Old Dec 8th 2003, 11:55 pm
  #15  
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Default Re: Car Insurance

Originally posted by Duncs
i got a letter from my insurers and they gave me a discount. from $860 to $795 for 6 months. Not spectacular but hey it all helps.That was with progressive with wife as main with me as additional. So it doesnt make a big difference but it helps a little.

regards,

Duncan
Like Ray said its just "bait", and it is the same as in the UK (except less generous) with the introductory discounts for newly qualified drivers. I think that I got an initial 30% discount when I first got my British licence, just for being a "new driver".
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