Com­puter says ‘no’ when I ap­ply for in­sur­ance

Motorcycle News (UK) - - Garage -

I have been liv­ing in France for 13 years, but I am now back in the UK. When I went on­line to get a quote the process stalled at the ques­tion ‘num­ber of years li­cence held‘ as that is more than 20 years (I passed my test in 1968) but I’d an­swered ‘2015’ to ‘UK res­i­dent since’? Ron Young, Dorch­ester

An­swered by Chris Dabbs, MCN This high­lights the lim­i­ta­tions of some com­par­i­son sites. How­ever, our site, Mc­n­com­, is more user-friendly. I got a quote of £86.48 on your be­half, us­ing as many real de­tails as I had for you from your email. Some in­sur­ers will al­low an EU bonus and also look at res­i­dency, but oth­ers may de­cline to quote on non­res­i­dency grounds to ex­clude rid­ers or driv­ers not used to our roads, laws and con­di­tions. If you get a ‘com­puter says no’ sit­u­a­tion my ad­vice is to go back to tra­di­tional meth­ods and ring around in­sur­ance bro­kers so a hu­man be­ing can as­sess your sit­u­a­tion.

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