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zurich wont insure me

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  • 03-01-2013 6:13pm
    #1
    sonas93
    Registered Users Posts: 122 ✭✭


    I want to be added to my mothers policy, I have a provisional but I am doing the test in a month and I've never been insured before. I rang them up and they asked my age (19) and it seemed like they would insure me but then I said I have a provisional and they said they aren't insuring learners anymore since December?


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    #2
    Anan1
    Registered Users Posts: 22,818 ✭✭✭✭Anan1


    You could try ringing back and asking another rep, but other than that it is what it is.


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    #3
    sonas93
    Registered Users Posts: 122 ✭✭sonas93


    OSI wrote: »
    So, what's the question? If they're not insuring learners they're not insuring learners.

    Im just asking if this is correct? I know people who are insured with them and are learners, what has made them change im wondering? and if its the case with other insurers?


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    #4
    bazz26
    Registered Users Posts: 51,160 ✭✭✭✭bazz26


    Insurance companies have limitations on what type of cars they will insure named drivers on existing policies especially named drivers with limited or no previous driving experience. This is to prevent someone young with no experience going out buying a powerful car and insuring their parent as the primary user of the car and adding themselves as a named driver, at a lower rate.

    What model of car are you trying to be added as a named driver on?


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    #5
    peteb2
    Registered Users Posts: 1,813 ✭✭✭peteb2


    yes. its correct. And you can blame gender equalisation. If you had tried before 21st December they might have.

    alternatively if your mother was on a lady drive policy - no chance! Against their criteria for that cover.

    Or in her first year of insurance with Zurich - no chance! Against their criteria for first year of cover.


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    #6
    sonas93
    Registered Users Posts: 122 ✭✭sonas93


    peteb2 wrote: »
    yes. its correct. And you can blame gender equalisation. If you had tried before 21st December they might have.

    alternatively if your mother was on a lady drive policy - no chance! Against their criteria for that cover.

    Or in her first year of insurance with Zurich - no chance! Against their criteria for first year of cover.

    Do you think If I pass my test next month, they will then insure me then? they also said something about named drivers needing their own policy


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    #7
    sonas93
    Registered Users Posts: 122 ✭✭sonas93


    bazz26 wrote: »
    Insurance companies have limitations on what type of cars they will insure named drivers on existing policies especially named drivers with limited or no previous driving experience. This is to prevent someone young with no experience going out buying a powerful car and insuring their parent as the primary user of the car and adding themselves as a named driver, at a lower rate.

    What model of car are you trying to be added as a named driver on?

    its only a 1 litre toyota yaris


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    #8
    Cee-Jay-Cee
    Registered Users Posts: 12,235 ✭✭✭✭Cee-Jay-Cee


    sonas93 wrote: »

    Im just asking if this is correct? I know people who are insured with them and are learners, what has made them change im wondering? and if its the case with other insurers?

    They probably took their policies out prior to December and so got covered. They have changed their conditions and unfortunately that effects you. Not much you can do about it to be honest. Wait till you get your full license and try again, hopefully it's only a few weeks to wait.


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    #9
    peteb2
    Registered Users Posts: 1,813 ✭✭✭peteb2


    sonas93 wrote: »
    Do you think If I pass my test next month, they will then insure me then? they also said something about named drivers needing their own policy

    Nope. you just answered your own question there with them saying you would have to have your own policy. I gather by that, that you are a male trying to get added to a ladystar policy.


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    #10
    sonas93
    Registered Users Posts: 122 ✭✭sonas93


    peteb2 wrote: »
    Nope. you just answered your own question there with them saying you would have to have your own policy. I gather by that, that you are a male trying to get added to a ladystar policy.

    No Im a girl but I'm not sure what sort of policy it is. I think I'l just wait til I get a full and see what they can do then.


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    #11
    galwaytt
    Registered Users Posts: 12,761 ✭✭✭✭galwaytt


    sonas93 wrote: »
    Do you think If I pass my test next month, they will then insure me then? they also said something about named drivers needing their own policy

    ...if they said that they're BS-ing you.

    ...ask your mother to make the call - she's their actual customer, and find out what month the policy is up. If renewed recently she doesn't have that strong a hand. But if not, there are other insurers out there.

    Ode To The Motorist

    “And my existence, while grotesque and incomprehensible to you, generates funds to the exchequer. You don't want to acknowledge that as truth because, deep down in places you don't talk about at the Green Party, you want me on that road, you need me on that road. We use words like freedom, enjoyment, sport and community. We use these words as the backbone of a life spent instilling those values in our families and loved ones. You use them as a punch line. I have neither the time nor the inclination to explain myself to a man who rises and sleeps under the tax revenue and the very freedom to spend it that I provide, and then questions the manner in which I provide it. I would rather you just said "thank you" and went on your way. Otherwise I suggest you pick up a bus pass and get the ********* ********* off the road” 



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    #12
    peteb2
    Registered Users Posts: 1,813 ✭✭✭peteb2


    How do you figure that they are BS'ing her? Gender equalisation has messed all that up. Because they don't want to have to add young males, they won't add young females.

    Close to renewal or not, isn't going to swing anything. Its either within their acceptance criteria or not. No one is obliged to provide cover for an additional driver.


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    #13
    galwaytt
    Registered Users Posts: 12,761 ✭✭✭✭galwaytt


    peteb2 wrote: »
    How do you figure that they are BS'ing her? Gender equalisation has messed all that up. Because they don't want to have to add young males, they won't add young females.

    Close to renewal or not, isn't going to swing anything. Its either within their acceptance criteria or not. No one is obliged to provide cover for an additional driver.

    Read what I actually wrote: you can't have a 'named driver' and yet have a new driver have 'their own policy' on the same car. Indeed you can't have two policies on one car. That's a fundamental contradiction. A 'named driver' is an addition to an existing policy, 'their own policy' is exactly that. It has nothing to do with acceptance criteria - if the cust service rep actually said it like OP says, then that rep has no idea what they're talking about, and anything else they'd say I'd file in the bin as well.

    Gender equalisation in the context of the regulation is from a COST perspective - the ruling had nothing to do with whether to actually exclude females or not - it was about the COST of them.

    Ode To The Motorist

    “And my existence, while grotesque and incomprehensible to you, generates funds to the exchequer. You don't want to acknowledge that as truth because, deep down in places you don't talk about at the Green Party, you want me on that road, you need me on that road. We use words like freedom, enjoyment, sport and community. We use these words as the backbone of a life spent instilling those values in our families and loved ones. You use them as a punch line. I have neither the time nor the inclination to explain myself to a man who rises and sleeps under the tax revenue and the very freedom to spend it that I provide, and then questions the manner in which I provide it. I would rather you just said "thank you" and went on your way. Otherwise I suggest you pick up a bus pass and get the ********* ********* off the road” 



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    #14
    peteb2
    Registered Users Posts: 1,813 ✭✭✭peteb2


    I did read the original post. And some insurance companies will not consider adding a driver to the policy if they do not have their own policy.

    Having your own policy does not mean that you are covered to drive everyone's car. Having your own policy would only give you third party cover in someone else's car if you even had that extension. Some insurers won't give driving other cars if you are under 25 or have a provisional. And even then if it was a 10k car belonging to parents I'm sure they wouldn't be happy for it be written off with no cover.

    Gender equalisation is not just a cost matter. It also impacts risk acceptance as part of the bigger picture of pricing.

    So get your facts straight before you come charging in on your high horse.


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    #15
    sean1141
    Registered Users Posts: 4,088 ✭✭✭sean1141


    peteb2 wrote: »
    I did read the original post. And some insurance companies will not consider adding a driver to the policy if they do not have their own policy.

    Having your own policy does not mean that you are covered to drive everyone's car. Having your own policy would only give you third party cover in someone else's car if you even had that extension. Some insurers won't give driving other cars if you are under 25 or have a provisional. And even then if it was a 10k car belonging to parents I'm sure they wouldn't be happy for it be written off with no cover.

    Gender equalisation is not just a cost matter. It also impacts risk acceptance as part of the bigger picture of pricing.

    So get your facts straight before you come charging in on your high horse.

    Galwaytt is talking about the op's mothers policy and the op becoming a named driver on it. They should not need a policy in their own name to be a named driver. I think you are mixing it up with a driving other cars on your own policy which is a different thing all together


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    #16
    djimi
    Registered Users Posts: 13,238 ✭✭✭✭djimi


    peteb2 wrote: »
    Gender equalisation is not just a cost matter. It also impacts risk acceptance as part of the bigger picture of pricing.

    The gender equalization thing was brought in to attempt to stop the discrepancy in premium costs between male and female drivers. I dont see how it relates in any way to risk and I dont see how it would influence who and insurer will take on?


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    #17
    peteb2
    Registered Users Posts: 1,813 ✭✭✭peteb2


    sean1141 wrote: »

    Galwaytt is talking about the op's mothers policy and the op becoming a named driver on it. They should not need a policy in their own name to be a named driver. I think you are mixing it up with a driving other cars on your own policy which is a different thing all together

    No. I completely understand the concept. I amnt mixing anything up. They shouldn't need their own insurance but some insurers and products require you to. As I said before - read the complete thread - if you were a male driver looking to be added to your wife's lady drive policy they would look for evidence of your own insurance cover before agreeing to add you. So it's quite common place depending on the circumstances.

    And as I also said driving other cars does not allow you the fullness of cover allowed by the policy of the owner of the vehicle.

    Re; gender equalisation, you will also find that a few insurers that might have insured young female drivers and not young males will not do either as they have to offer the same pricing to both. And they will choose not to insure females to avoid the males. Fact.


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    #18
    djimi
    Registered Users Posts: 13,238 ✭✭✭✭djimi


    How many insurers every flatly refused to insure young male drivers? Its not something that I ever experienced when I was starting out. Its normally tied to the car that the young male is trying to insure; a 19 year old trying to insure an Integra aint going to happen, but a 19 year old trying to insure a Yaris should have no problem getting a quote from anyone (might not be a great quote, but it shouldnt be a flat refusal).


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    #19
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,661 Mod ✭✭✭✭Henry Ford III


    Insurers can chose not to quote. It's totally their perogative.

    I suspect the claims from learner permit holders (particularly those "chancing it" by driving alone) may be a big discouragement.


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    #20
    getz
    Registered Users Posts: 5,255 ✭✭✭getz


    sonas93 wrote: »
    I want to be added to my mothers policy, I have a provisional but I am doing the test in a month and I've never been insured before. I rang them up and they asked my age (19) and it seemed like they would insure me but then I said I have a provisional and they said they aren't insuring learners anymore since December?
    i had a bad time when i was insured by zurich,their computers went down so the UK police said my insurance was not valid,three time i was stopped and my car was taken off me,eventually the company was heavily find,and i changed to another insurer.


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    #21
    peteb2
    Registered Users Posts: 1,813 ✭✭✭peteb2


    djimi wrote: »
    How many insurers every flatly refused to insure young male drivers? Its not something that I ever experienced when I was starting out. Its normally tied to the car that the young male is trying to insure; a 19 year old trying to insure an Integra aint going to happen, but a 19 year old trying to insure a Yaris should have no problem getting a quote from anyone (might not be a great quote, but it shouldnt be a flat refusal).

    When did you start out? Most the market wouldnt quote for young male drivers previously. Regardless of the car. AXA, Asgard, and Aviva. That was about it.


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    #22
    djimi
    Registered Users Posts: 13,238 ✭✭✭✭djimi


    peteb2 wrote: »
    When did you start out? Most the market wouldnt quote for young male drivers previously. Regardless of the car. AXA, Asgard, and Aviva. That was about it.

    About 12 years ago. Ive always shopped around and while I was driving "normal" cars (ie not Honda/Jap import) I never had an issue getting a quote. They werent always good quotes, but I dont recall ever being refused for anything other than the car.


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    #23
    TheDoc
    Registered Users Posts: 23,137 ✭✭✭✭TheDoc


    djimi wrote: »
    How many insurers every flatly refused to insure young male drivers? Its not something that I ever experienced when I was starting out. Its normally tied to the car that the young male is trying to insure; a 19 year old trying to insure an Integra aint going to happen, but a 19 year old trying to insure a Yaris should have no problem getting a quote from anyone (might not be a great quote, but it shouldnt be a flat refusal).

    At 23 years of age I had some trouble finding insurance. This was around September 2011 and alot of companies gave me a no.

    Eventually got onto Aviva and took up their offer with the lessons.

    Got my own policy just there back in October, Chill Insurance grabbed me a good deal.

    To the OP, I'd try Asguard, there are renowned for giving good quotes to new and young male drivers.


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    #24
    sean1141
    Registered Users Posts: 4,088 ✭✭✭sean1141


    peteb2 wrote: »
    No. I completely understand the concept. I amnt mixing anything up. They shouldn't need their own insurance but some insurers and products require you to. As I said before - read the complete thread - if you were a male driver looking to be added to your wife's lady drive policy they would look for evidence of your own insurance cover before agreeing to add you. So it's quite common place depending on the circumstances.

    And as I also said driving other cars does not allow you the fullness of cover allowed by the policy of the owner of the vehicle.

    Re; gender equalisation, you will also find that a few insurers that might have insured young female drivers and not young males will not do either as they have to offer the same pricing to both. And they will choose not to insure females to avoid the males. Fact.
    i did read the complete thread. You keep going on about a male getting insured as a named driver on a female only policy but the op is female trying to get insured on her mothers policy..
    I can understand an insurance company not giving someone with a learner permit a policy in there own name but refusing to let them be a named driver on another policy is dumb.


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    #25
    peteb2
    Registered Users Posts: 1,813 ✭✭✭peteb2


    Giving an example!

    How is it dumb? They don't have to if they don't want to. And that is the longs and shorts of it.


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    #26
    hoodwinked
    Closed Accounts Posts: 5,175 ✭✭✭hoodwinked


    sonas93 wrote: »
    I want to be added to my mothers policy, I have a provisional but I am doing the test in a month and I've never been insured before. I rang them up and they asked my age (19) and it seemed like they would insure me but then I said I have a provisional and they said they aren't insuring learners anymore since December?
    sonas93 wrote: »
    Do you think If I pass my test next month, they will then insure me then? they also said something about named drivers needing their own policy

    you do realise a: you shouldn't be driving at all without insurance and more importantly b: they won't let you sit the test without having valid insurance?


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    #27
    sean1141
    Registered Users Posts: 4,088 ✭✭✭sean1141


    peteb2 wrote: »
    Giving an example!

    How is it dumb? They don't have to if they don't want to. And that is the longs and shorts of it.
    i know its up to the insurance company and just because they dont want to cover someone dose not make it all right.

    Example. A young student wants to learn to drive. They pass the theory test and get a learner permit. They do lessons with a driving instructor but want more practice.
    They decided to get insured on their parents car but they cant because they have no policy of there own.
    So the choice they are left with is either get extra lessons with the driving instructor which may not be an option depending on how busy the instructor is or buy a car and a policy and then get there parent to sit beside them while they drive. Instead of just being a named driver on the parents car... Sounds dumb to me.
    hoodwinked wrote: »
    you do realise a: you shouldn't be driving at all without insurance and more importantly b: they won't let you sit the test without having valid insurance?
    You dont need your own car or insurance policy to sit a driving test. You can use your instructors car. The op never said they drove with no insurance


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    #28
    galwaytt
    Registered Users Posts: 12,761 ✭✭✭✭galwaytt


    peteb2 wrote: »
    Giving an example!

    How is it dumb? They don't have to if they don't want to. And that is the longs and shorts of it.

    ....and that's why there exists the Declined Cases Agreement - DCA for short.

    More, anon, and here: http://www.transport.ie/viewitem.asp?id=7848&lang=ENG&loc=1867

    Ode To The Motorist

    “And my existence, while grotesque and incomprehensible to you, generates funds to the exchequer. You don't want to acknowledge that as truth because, deep down in places you don't talk about at the Green Party, you want me on that road, you need me on that road. We use words like freedom, enjoyment, sport and community. We use these words as the backbone of a life spent instilling those values in our families and loved ones. You use them as a punch line. I have neither the time nor the inclination to explain myself to a man who rises and sleeps under the tax revenue and the very freedom to spend it that I provide, and then questions the manner in which I provide it. I would rather you just said "thank you" and went on your way. Otherwise I suggest you pick up a bus pass and get the ********* ********* off the road” 



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    #29
    peteb2
    Registered Users Posts: 1,813 ✭✭✭peteb2


    galwaytt wrote: »
    ....and that's why there exists the Declined Cases Agreement - DCA for short.

    More, anon, and here: http://www.transport.ie/viewitem.asp?id=7848&lang=ENG&loc=1867[/QUOTE]

    If you are going to quote me in a post make sure you get it right!

    The Declined Cases Agreement doesnt apply to someone looking to be added to another persons policy! Which is what the OP was on about - getting named as a driver on her mothers policy.


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    #30
    hoodwinked
    Closed Accounts Posts: 5,175 ✭✭✭hoodwinked


    sean1141 wrote: »

    You dont need your own car or insurance policy to sit a driving test. You can use your instructors car. The op never said they drove with no insurance

    true you don't need your own car but the op is looking for insurance on the mothers car obviously in an attempt to drive it,

    and then says
    Do you think If I pass my test next month, they will then insure me then? they also said something about named drivers needing their own policy

    i was pointing it out as my cousin when going to sit her first driving test wasn't allowed go out as she didn't have the right documentation on her to prove she was insured in the car. before then none of us thought it would be an issue, apparently now it is.


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    #31
    galwaytt
    Registered Users Posts: 12,761 ✭✭✭✭galwaytt


    peteb2 wrote: »
    galwaytt wrote: »
    ....and that's why there exists the Declined Cases Agreement - DCA for short.

    More, anon, and here: http://www.transport.ie/viewitem.asp?id=7848&lang=ENG&loc=1867[/QUOTE]

    If you are going to quote me in a post make sure you get it right!

    The Declined Cases Agreement doesnt apply to someone looking to be added to another persons policy! Which is what the OP was on about - getting named as a driver on her mothers policy.

    you're still not reading my post correctly I see...........NOWHERE on that DCA page does it show that the OP's position could not be covered. Show me where it is. Ergo, I would suggest, it is covered, or certainly worth a try.

    Ode To The Motorist

    “And my existence, while grotesque and incomprehensible to you, generates funds to the exchequer. You don't want to acknowledge that as truth because, deep down in places you don't talk about at the Green Party, you want me on that road, you need me on that road. We use words like freedom, enjoyment, sport and community. We use these words as the backbone of a life spent instilling those values in our families and loved ones. You use them as a punch line. I have neither the time nor the inclination to explain myself to a man who rises and sleeps under the tax revenue and the very freedom to spend it that I provide, and then questions the manner in which I provide it. I would rather you just said "thank you" and went on your way. Otherwise I suggest you pick up a bus pass and get the ********* ********* off the road” 



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