Motor insurance
#1
Just Joined
Thread Starter
Joined: Jan 2012
Posts: 23
Motor insurance
Hi everyone,
Still planning my move to Florida when I retire. I have a question about motor insurance. Because I will have no credit history in the US will I have problems obtaining motor insurance or pay a premium because of this. Maybe there is some way my son who lives in Florida can add my car to his policy? I think i've heard something about that. Anyway, hope you wise people have some more good advice for me. Thanks.
Still planning my move to Florida when I retire. I have a question about motor insurance. Because I will have no credit history in the US will I have problems obtaining motor insurance or pay a premium because of this. Maybe there is some way my son who lives in Florida can add my car to his policy? I think i've heard something about that. Anyway, hope you wise people have some more good advice for me. Thanks.
#2
Re: Motor insurance
Hi and welcome to BE!
Car insurance comes up quite often. Yes you can get insurance, and yes, you will pay a premium. As you may know already from yours son's experience, car insurance is expensive in the USA compared to the US. We joined a company called AIG Travelguard (if you use the search feature at the top of the section, you should find lots of posts about them). You pay them $400 upfront, but it gives you access to cheaper insurance and the like. In our case, we saved more than the joining fee in the first 6 month period.
Not sure about your son adding you to his policy. Our policy is based on the car, not the person. We added my mam for the time she was here visiting, but don't know how it would work for adding a whole car.
Car insurance comes up quite often. Yes you can get insurance, and yes, you will pay a premium. As you may know already from yours son's experience, car insurance is expensive in the USA compared to the US. We joined a company called AIG Travelguard (if you use the search feature at the top of the section, you should find lots of posts about them). You pay them $400 upfront, but it gives you access to cheaper insurance and the like. In our case, we saved more than the joining fee in the first 6 month period.
Not sure about your son adding you to his policy. Our policy is based on the car, not the person. We added my mam for the time she was here visiting, but don't know how it would work for adding a whole car.
#3
Re: Motor insurance
Hi everyone,
Still planning my move to Florida when I retire. I have a question about motor insurance. Because I will have no credit history in the US will I have problems obtaining motor insurance or pay a premium because of this. Maybe there is some way my son who lives in Florida can add my car to his policy? I think i've heard something about that. Anyway, hope you wise people have some more good advice for me. Thanks.
Still planning my move to Florida when I retire. I have a question about motor insurance. Because I will have no credit history in the US will I have problems obtaining motor insurance or pay a premium because of this. Maybe there is some way my son who lives in Florida can add my car to his policy? I think i've heard something about that. Anyway, hope you wise people have some more good advice for me. Thanks.
In other words, if you state that you are a member of his household and are not, there could be problems down the line. Even with correct information, if you have an accident, the insurance company may just possibly cancel the whole policy or at a minimum get rid of his good driving record discount.
#4
Just Joined
Thread Starter
Joined: Jan 2012
Posts: 23
Re: Motor insurance
Thanks Michael. I wasn't thinking of trying to deceive the insurance companies by going on my son's policy. I was just wondering if this was usual practice in the US..........obviously not then. I've just searched AIG Travelguard as recommended. I'd never heard of them but have just read some positive threads about them. Always seem to get good advice on here. Mike
#5
Re: Motor insurance
You also have no US driving history, you will be starting out as a fresh faced, whatever age one can get a license in that state.
So yes, it will be expensive.
Not much you can do but drive a beater...but Florida is one of those weird states that don't have car inspections, so makes getting a older car much more risky.
Combining all your insurance policies together such as home owners or rental insurance etc certainly helps with a discount.
So yes, it will be expensive.
Not much you can do but drive a beater...but Florida is one of those weird states that don't have car inspections, so makes getting a older car much more risky.
Combining all your insurance policies together such as home owners or rental insurance etc certainly helps with a discount.
#6
Re: Motor insurance
Thanks Michael. I wasn't thinking of trying to deceive the insurance companies by going on my son's policy. I was just wondering if this was usual practice in the US..........obviously not then. I've just searched AIG Travelguard as recommended. I'd never heard of them but have just read some positive threads about them. Always seem to get good advice on here. Mike
#7
Forum Regular
Joined: Dec 2006
Posts: 62
Re: Motor insurance
I had very good experiences with expatride.com who helped me lease and insure a car. They will be more than happy to help you with just the insurance.
#8
Forum Regular
Joined: May 2010
Posts: 101
Re: Motor insurance
Interestingly, when I first moved across with 0 credit history I got a better deal than 12 months later when I had a credit history. Based on age, etc. I was very low risk initially but this went up to low risk as soon my credit history started building!
Same for house insurance......go figure!
Same for house insurance......go figure!