smiler125

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

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.

dunroving

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!

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

Ray

I expect that was because you got your US licence...
Pulaski is exactly correct....The claim of UK experience allowance is pure bait...

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

Ray

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...

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

Ray

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....

NC Penguin

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.




NC Penguin

Ash UK/US

:scared: :scared: :scared:

Did he tell you that on April 1st?

Ash

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

Ray

Get a quote both ways...see which comes out best

Pulaski

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.

Pulaski

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".