First car - can't get insurance

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Wiggly
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I'm 23, and I bought my first car last week but it failed its MOT for minor faults so it had to be fixed before I picked it up. It passed the new MOT test today.

When I try to insure it through various websites, I keep getting "Thank you for your patience. We're sorry but based on the information you've provided we won't be able to proceed with this policy" at the end.

I've tried for example Hastings, People's Choice, and Insure Pink. Basically, the cheapest ones shown on comparison websites without a black box (£900-£1400).

I don't understand why I'm getting that message. I've tried tinkering with the options.

Is it because I'm unlikely to find anyone that will insure me without a black box? Is it because I can't insure a car without a valid MOT, and I need time for the systems to update considering it only passed the MOT test today?

Any help?

The car is only a 2013 KIA Picanto - 1L.
Last edited by Wiggly; 1 week ago
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idsfnids9
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go on confused.com
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Muttley79
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(Original post by Wiggly)
I'm 23, and I bought my first car last week but it failed its MOT for minor faults so it had to be fixed before I picked it up. It passed the new MOT test today.

When I try to insure it through various websites, I keep getting "Thank you for your patience. We're sorry but based on the information you've provided we won't be able to proceed with this policy" at the end.

I've tried for example Hastings, People's Choice, and Insure Pink. Basically, the cheapest ones shown on comparison websites without a black box (£900-£1400).

I don't understand why I'm getting that message. I've tried tinkering with the options.

Is it because I'm unlikely to find anyone that will insure me without a black box? Is it because I can't insure a car without a valid MOT, and I need time for the systems to update considering it only passed the MOT test today?

Any help?

The car is only a 2013 KIA Picanto - 1L.
Don't get a black box and yes, I think you need to try again when the MOT shows up. This can take 48 hours I'm told.
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idsfnids9
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(Original post by Muttley79)
Don't get a black box and yes, I think you need to try again when the MOT shows up. This can take 48 hours I'm told.
non black box are about 1300
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IWMTom
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(Original post by Wiggly)
I'm 23, and I bought my first car last week but it failed its MOT for minor faults so it had to be fixed before I picked it up. It passed the new MOT test today.

When I try to insure it through various websites, I keep getting "Thank you for your patience. We're sorry but based on the information you've provided we won't be able to proceed with this policy" at the end.

I've tried for example Hastings, People's Choice, and Insure Pink. Basically, the cheapest ones shown on comparison websites without a black box (£900-£1400).

I don't understand why I'm getting that message. I've tried tinkering with the options.

Is it because I'm unlikely to find anyone that will insure me without a black box? Is it because I can't insure a car without a valid MOT, and I need time for the systems to update considering it only passed the MOT test today?

Any help?

The car is only a 2013 KIA Picanto - 1L.
Where do you live? Any points on your licence? Any claims?

You sound uninsurable for whatever reason - ask the insurance companies why they're rejecting you.

An MOT pass appears on the system immediately.
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Nuffles
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Why don't you try giving insurance companies a call? You'll speak to an actual person then who may be able to give you some more insight as to what's going on.

I assume there's something you're not telling us though. A 1 litre Picanto when you're aged 23 shouldn't be an issue unless you live in the middle of a very large city.
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Wiggly
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(Original post by IWMTom)
Where do you live? Any points on your licence? Any claims?

You sound uninsurable for whatever reason - ask the insurance companies why they're rejecting you.

An MOT pass appears on the system immediately.
(Original post by Nuffles)
Why don't you try giving insurance companies a call? You'll speak to an actual person then who may be able to give you some more insight as to what's going on.

I assume there's something you're not telling us though. A 1 litre Picanto when you're aged 23 shouldn't be an issue unless you live in the middle of a very large city.
I live in Cardiff, and I've only had my license for about a month so I've never had any claims/or points.

I tried again this morning and it still doesn't allow me, so it looks like the MOT wasn't preventing me.

I'm going to have to call them; I can only assume that it's because I'm too inexperienced for the cheaper companies. Unless I'm filling something in the forms incorrectly.
Last edited by Wiggly; 1 week ago
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IWMTom
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(Original post by Wiggly)
I live in Cardiff, and I've only had my license for about a month so I've never had any claims/or points.

I tried again this morning and it still doesn't allow me, so it looks like the MOT wasn't preventing me.

I'm going to have to call them; I can only assume that it's because I'm too inexperienced for the cheaper companies. Unless I'm filling something in the forms incorrectly.
What are the comparison sites quoting you?
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StriderHort
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I managed to get myself into a panic last year because every insurance company stopped quoting me on comparison sites, I was terrified i'd managed to blacklist myself somehow. i'm still not 100% but it seem to be because i already had insurance on another car, i contacted my normal insurer direct and they were perfectly happy, they also said that a lot of policy types do NOT get offered on comparison websites (like the multi car policy i ended up getting)
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Simbasoul
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It might be that the car has been Cat D for insurance purposes? That would mean it had been written off so no insurance company would touch it with a barge pole. If it was Cat C they might but would need evidence of the repairs being done to the correct standard.

Did you ask when you bought the car if it was Cat D or C? If it was advertised, they are required to put if it is so if they didn't they have broken the law.
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Wiggly
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(Original post by IWMTom)
What are the comparison sites quoting you?
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Name:  ins.png
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See above for a screenshot (I put it in a Spoiler to save thread space). The top ones without a black box are the ones I've been trying. The top 20 results range from £900-£15000.
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Wiggly
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(Original post by Simbasoul)
It might be that the car has been Cat D for insurance purposes? That would mean it had been written off so no insurance company would touch it with a barge pole. If it was Cat C they might but would need evidence of the repairs being done to the correct standard.

Did you ask when you bought the car if it was Cat D or C? If it was advertised, they are required to put if it is so if they didn't they have broken the law.
I bought it from a proper car-lot place (salesmen in suits and stuff) so I trust that they didn't tell me if any of that was happening. Overall the car is in near new condition. The MOT histories show nothing serious for example.
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IWMTom
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(Original post by Wiggly)
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Name:  ins.png
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Size:  140.8 KB

See above for a screenshot (I put it in a Spoiler to save thread space). The top ones without a black box are the ones I've been trying. The top 20 results range from £900-£15000.
So they're giving you a quote on the comparison site but when you go through to actually purchase the policy it rejects you?
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Wiggly
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(Original post by IWMTom)
So they're giving you a quote on the comparison site but when you go through to actually purchase the policy it rejects you?
Yeah, I get to the end after declining all the add-ons, and when I click the buy-now button I get "Verifying details. Thank you for your patience. We're sorry but based on the information you've provided we won't be able to proceed with this policy". It's the same even if I do it through the insurer's website itself rather than the comparison sites.

That's why I'm thinking perhaps it's just not regular for new insurees to be able to join low insurers like those. The other non-black box ones (e.g. Admiral) jump up to about £300 more.
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IWMTom
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(Original post by Wiggly)
Yeah, I get to the end after declining all the add-ons, and when I click the buy-now button I get "Verifying details. Thank you for your patience. We're sorry but based on the information you've provided we won't be able to proceed with this policy". It's the same even if I do it through the insurer's website itself rather than the comparison sites.

That's why I'm thinking perhaps it's just not regular for new insurees to be able to join low insurers like those. The other non-black box ones (e.g. Admiral) jump up to about £300 more.
No. They literally specialise in people like you.

Do you have a CIFAS marker for fraud at all?
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Wiggly
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(Original post by IWMTom)
Do you have a CIFAS marker for fraud at all?
Nope, I've just checked.

Is there like a tricky question during the application stages that people commonly get wrong which causes this thing to happen?
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Nuffles
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The easiest thing to do is just call Admiral and speak to someone over the phone. At least they'll be able to give you some feedback as to what's going on rather than the hard no you're getting from the websites.

Obviously something you're saying is setting off alarm bells for them. Have you tried putting the date you want it for a week or so's time? Trying to buy insurance for that day/next day increases your perceived risk. Obviously you'll have to wait then but it may do the trick.
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IWMTom
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(Original post by Wiggly)
Nope, I've just checked.

Is there like a tricky question during the application stages that people commonly get wrong which causes this thing to happen?
There can be, but nothing you haven't already answered on the comparison website and they gave you a quote there!

As above, contact an insurer and find out why it's being rejected.
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Admit-One
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The only time I've had anything like this is when I generated some quotes as above, and then when I tried to take a policy out a week later the company would no longer honour it or indeed cover me at all, (I rang this to confirm with them).

They wouldn't/couldn't tell me why this was, but I suspect it may have been a theft in the local area. Everything else about my profile was very low risk aside from me being a new driver, (mid-thirties, professional, off-street parking, small engined vehicle etc.).
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Wiggly
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I rang up Hastings and they offered me insurance through the phone.

I don't know why it wasn't working through any of the websites. I did so much form-filling trying to get it to accept me; I should've just phoned in the first place.

Thanks everyone.
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