going home

Actually, just had a thought... In an effort to keep my options open, Mrs LZB, can you possibly expand on your dealings with the broker? were they helpful? do they charge you a fee directly or get paid by insurer? How did you find a broker, any recommendations? I think I will try the Insurers suggested by online services like gocompare and comparethemarket etc first, but it would be nice to have a backup plan if it all goes pear shaped...

Hi Mrs LZB, That is very interesting.... I did use comarethemarket and during the quotation process I was specifically asked if I had NCD, and where it was earned. There was an option for 'Non EU Country' then of course only the insurance companies that will accept such a thing are displayed on the final quotation page with their respective quotes. Did you get use any of the online systems? I have just spoken to my insurer who was quite helpful. She new straight away what the UK require, as apparently it is a request made quite often. She said that the UK insurers do not understand the percentage system, nor are they interested in trying to interpret it. Your insurer MUST provide a letter (or PDF) that specifically states that they (the insurer) have insured you, the named driver for X amount of years and you have not had a claim in X years. You need to do this right at the end, as you are cancelling your AUS policy and leaving for the UK. Thank you all for your input. I will revisit this post once I have arrived in the UK to follow up with my experience and any other issues I may face.

Hello fellow PIO'ers First off, let me apologise if this has been answered before, I did a search but could not find an answer to my exact question. I am hoping someone who has actually done this could answer the following: What will I need from my Australian car insurer to transfer my NCB (no claims bonus) to NCD (no claims discount)? I am still in Australia and will be departing in mid December. I fear that there will be some confusion between the two systems. My main concern is how each system is interpreted. In Australia, they use a percentage system, such as 65% entitlement, but in the UK it is a 'no claims for 2 years' for example. I have used websites such as comparethemeerkats or whatever and you can actually select an option that will only show insurers that accept NCD's from other non EU countries, so I know it can be done. So, what do I need from my AUS insurer? Just my last insurance renewal or do I need something a bit more formal? Do UK insurers understand AUS NCB percentage system? Will my AUS insurer be prepared to actually send me something that states how many years I have not had a claim for??? Thanks in advanced, GH

Hi there, Long time lurker, first time poster here. My Wife and I are both from UK and have been here in oz for almost 15 years. We are planning to move back , but that's a story for another day! We own 2 properties freehold in the UK, I have my own business (15 years) here in oz. Using either money earned here or by unlocking equity in UK properties and/or using ££ earned from their rental income, would it be possible to mortgage a third property in the UK? We have no property here in OZ anymore. Any advice from either someone in though know, or someone who has achieved this or something similar would be greatly appreciated.