Car insurance for seafarers

[RNR]

Ok so heres a good one, does anyone know if seafarers can get different/cheaper car insurance than the typical person? We are out of the country for a number of months, thus, use our cars less so it seems logical to think that insurance will be at a cheaper price!

[chris]

Re: Car insurance for seafarers

assuming you keep the car in a locked garage when you're at sea - otherwise they might say that an unattended car is more likely to get stolen from you driveway

[GuinnessMan]

Re: Car insurance for seafarers

I highly doubt that you could get cheaper insurance just because your a seafarer.

[Steve]

Re: Car insurance for seafarers

Park off-road and cancel your insurance?

Nautilus members get a discount from Endsleigh, but what are the chances of theirs beng the cheapest deal...?

[Brimbo]

Re: Car insurance for seafarers

I've heard different things on this, when doing quotes try both options of 'full time student' and 'seafarer', when i was doing quotes i got little diffrence, or none, apparently insurance companies bump it up because your away for so long your more of a 'rusty' driver, and obviously a higher chance of it being nicked.

[RNR]

Re: Car insurance for seafarers

I've heard different things on this, when doing quotes try both options of 'full time student' and 'seafarer', when i was doing quotes i got little diffrence, or none, apparently insurance companies bump it up because your away for so long your more of a 'rusty' driver, and obviously a higher chance of it being nicked.

Really does seem counterintuitive to me that, you would think that because your not driving it as much you wouldn't have as much chance to crash it! But I guess thats insurance companies for you, always looking for some excuse to charge you more

[Chiefy]

Re: Car insurance for seafarers

Mentioning you are a seafarer can increase you premiums for some reason. It's roughly related to the fact it might get knicked while you are out of the country and that sort of thing, oh and they think we are high risk for some odd reason
Also you will be rusty when comming home on leave, I know when on the way home from the airport the wife seems to be driving very fast even at low speeds, mainly cos your perception is altered after all that time on the boat.

[RNR]

Re: Car insurance for seafarers

Those pesky insurance men!

[Superdandroid17]

Re: Car insurance for seafarers

Probably simply based on the claims records of seamen. If they make more claims than average they get a higher premium as the 'risk' to the insurer is more. This is all taken from the stats the insurance keeps abouts it previous business and the info they share between themselves when working out risk.