Drove in the US, about to buy a car in the UK, need insurance advice

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  1. Drove in the US, about to buy a car in the UK, need insurance advice 
    #1
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    I need to buy a car in the next couple of months as I need it to travel to/from my placement. Basically, I've had my first provisional licence where I grew up in the US when I was 15. Im now 20 so I've been driving for more than 5 years with a clean driving record. I used to have an e36 when I was 16 back home so I feel like I'm comfortable buying another BMW considering Im familiar with them. So far, the insurance quotes that I've gotten have been a jokes (£5000) for an E36 316. The online quote websites dont take into account my 5 years of driving experience and my No claims discount as they cant recognise that Ive been driving for a while.

    1. Are there insurance companies that take into account foreign no claims discounts?
    2. Even with a NCD, is a BMW out of the question for a 20yr old in this country?
    3. Would a Classic BMW be a better choice with classic car insurance?
    4. If not would another classic car be the cheapest option for someone in my situation?

    Thanks in advance
     
     

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    Similar to the situation I had when moving back to the UK from Canada. I'd been driving since I was sixteen and moved back here when I was 29.

    Problem is they don't recognise any previous experience driving overseas no matter how long. And they also don't allow you to swap your license for one that allows you to drive a manual here.

    I had to take the UK manual driving test which was a pain because they failed me twice for doing nothing wrong. Insurance was a pain some company's wanted upwards of £7000/year lol.

    Finally found a company called Kwik fit for £2700 for the first year, was a joke but after a year it'll go down considerably. I changed companies second year to Livingstone Warman and was able to insure a twin turbo Toyota supra for £1000/year.

    Good luck!
     
     

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    You may have to check your driving licence cover too. There was a time when visitors to Uk were allowed a period of some months driving on the licence of the country they came from. This period did not extend to non visitors, people who came here to work, people that had an address in UK. They needed to apply for UK provisional licence and pass the UK driving test. How are you described on your passport, entry conditions etc, If you are described on there as a visitor, keep it, or a copy with you, and keep your mouth shut.
    318 ci manual 2003
     
     

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    Quote Originally Posted by VARSITY View Post
    There was a time when visitors to Uk were allowed a period of some months driving on the licence of the country they came from.
    its 12 months that should be enough time to pass a uk test
    on the insurance front try Sky insurance on the forum they give 20 % discount for forum members
     
     

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    I've been living on and off in the UK for 2 years so I'm pretty certain that I'll need a UK licence now which Im working on. I called Footman James and they said that I'd have to have access to another car to get classic car insurance. That rules out classic car insurance. I'll call up sky insurance and see.
     
     

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    Hi,

    apologies but we will struggle with this, we require 5 year UK residency.

    Ollie
    Sky Insurance

    Tel: 01707 642552

    Car Club Insurance - Sky Insurance
    Last edited by skyinsurance; 16-04-2013 at 12:00.
     
     

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    Try Admiral, Direct line, Aviva, or Co-op insurance. And yeah insurance in the UK is quite high, especially for new drivers w/out NCB with cars more than 1.5 engines.

    You can use your licence in the UK for a max of 1 year, after this you'll need to get a UK one if you want to continue driving.


    1. Are there insurance companies that take into account foreign no claims discounts?

    A) Not that I know of. Most want NCB that was gained in the UK


    2. Even with a NCD, is a BMW out of the question for a 20yr old in this country?

    A) Yes, unless you have the money. It will definitely cost you more than £150 a month. Perhaps, you could look into those companies that put a black box in your car?


    3. Would a Classic BMW be a better choice with classic car insurance?

    A) You could phone around and see, but I think there are some conditions to be met by some companies like limited mileage, car has to be 25 years or old, your age etc.


    4. If not would another classic car be the cheapest option for someone in my situation?

    A) Perhaps. But with classic cars, they are like OAPs lol. Constant need of things doing and cost could increase especially around MOT time. Also, most desirable classic cars (BMW, Merc, Jaguar, Porsche) have large engines which could increase your premiums. Good working classic cars are also expensive to buy in the 1st place. So if you go down the classic route, you could end up with a Morris (Austin in the USA) Marina, or an old Ford European Escort or some other undesirable car.


    The bad news is that insurance in the UK is expensive and you'll have to do a lot of shopping around to find a cheap(ish) quote. However, the good news is that cheap cars are generally in a better condition than those in USA for the same price. And after every year, provided you don't claim, your insurance premiums should decrease dramatically.
    Last edited by Dez-Derek; 15-04-2013 at 21:00.

    Driven by experience and pleasure
     
     

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    Thanks, That helps a lot. Basically insurance companies in he UK are a massive joke. Sounds like I'm gonna have to do lots of shopping around and picking lots of cars.
     
     

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    Yes they are!

    1st go on those comparison sites just to get a rough idea of the costs. Normally these are crap for new, young drivers any ways. There are cheaper policies, but they won't be on any comparison sites. You'll either have to phone them directly or go to their websites. Have a play with 'Compulsory' or 'Third party, Fire, and Theft' covers as for some insurance companies one is way cheaper than the other.

    I got my licence when I was 17 (youngest age you can get one in the UK if not disabled), the following year (18) when I could afford a car, I was charged £250 per month for a 1994 1.3 Hyundai Excel. Then I bought a BMW e36 316i at 19 and I was charged £250 per month (different insurance company) because of bigger engine size and RWD. Then at 20, it decreased to £164 per month and now at 21 I'm being charged £100 per month. But I'm going to change to Sky Insurance as they'll charge me £98 per month (after a deposit of £289) for a BMW e39 523i.

    Driven by experience and pleasure
     
     

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    #10
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    I used to pay $1200/yr for my E36 when i was 16 with my parents. I never thought I'd have to aspire to own a 1.6 one day :/
     
     

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