been employed as an accountant with a large multinational for the past seven years with the full use of a company car but now I am now looking to start my own business. I have been checking various insurance quotes for a new car, but because I don’t have a no claims bonus, the quotes are all coming in at in excess of €1,500. I have always had my own policy and never had a claim. I haven’t had any accidents, or claims or penalty points. Is there anything I can do to get a lower premium? Brona, Co Louth OKAY, I am going to assume that because you say you had full-time use of this vehicle for the seven years, coupled with the fact that you have had no accidents or claims, my guess is that the insurers you have spoken with do not allow discounts for company vehicle use. The good news is there are insurers that will take into account the driving experience you have, and based on this they will allow you a similar discount to that given to drivers who have a no claims bonus. My advice is to get a letter from your employer stating you have had full-time use of company vehicle and that you have no claims, bring this letter with you to a broker that has access to the insurers I mention above, and you should then see the prices dramatically reduce.