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Insurance Question On a Honda Integra

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  • 06-11-2013 8:30pm
    #1
    pudzey101
    Registered Users Posts: 3,925 ✭✭✭


    Hi if im insured on a 206 Peugeot and deicide to switch over to a dc2 type r integra , can the insurance refuse me ?

    im 23 Full clean lisence .

    5 year NCB


    thanks


Comments

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    #2
    oldyouth
    Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    Your current insurer must offer you a quotation. You mightn't like the figure if they don't like the car. An alternative insurer may be your best option


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    #3
    pudzey101
    Registered Users Posts: 3,925 ✭✭✭pudzey101


    im not currently insured lol

    i done quotes for the dc2 and quotes of upto 2000 are coming back !!!

    so if i insured my mums low liter car and switched over to the Teg a week or 2 later would that work


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    #4
    Mister Man
    Registered Users Posts: 955 ✭✭✭Mister Man


    pudzey101 wrote: »
    im not currently insured lol

    i done quotes for the dc2 and quotes of upto 2000 are coming back !!!

    so if i insured my mums low liter car and switched over to the Teg a week or 2 later would that work

    In my short experience, no. They'll charge you the extra amount to amount to the original quote. Couldn't you get her to setup a policy on the Integra, and go as a named driver? Paying for her, and yourself..?


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    #5
    mathepac
    Banned (with Prison Access) Posts: 4,991 ✭✭✭mathepac


    Mister Man wrote: »
    ... Couldn't you get her to setup a policy on the Integra, and go as a named driver? Paying for her, and yourself..?
    You must think insurance companies are total eejits.


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    #6
    pudzey101
    Registered Users Posts: 3,925 ✭✭✭pudzey101


    Mister Man wrote: »
    In my short experience, no. They'll charge you the extra amount to amount to the original quote. Couldn't you get her to setup a policy on the Integra, and go as a named driver? Paying for her, and yourself..?

    would that work ? how much cheaper would that work out?


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    #7
    dobsdave
    Closed Accounts Posts: 1,814 ✭✭✭dobsdave


    pudzey101 wrote: »
    im not currently insured lol

    i done quotes for the dc2 and quotes of upto 2000 are coming back !!!

    so if i insured my mums low liter car and switched over to the Teg a week or 2 later would that work

    What a devious and cunning plan, what could go wrong!


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    #8
    pudzey101
    Registered Users Posts: 3,925 ✭✭✭pudzey101


    dobsdave wrote: »
    What a devious and cunning plan, what could go wrong!

    nothing really as i know quite a few at it


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    #9
    Mister Man
    Registered Users Posts: 955 ✭✭✭Mister Man


    mathepac wrote: »
    You must think insurance companies are total eejits.

    They must be. I know people who are currently doing what I just said, without a problem.
    pudzey101 wrote: »
    would that work ? how much cheaper would that work out?

    Couldn't say. No experience doing it myself. Couldn't be any worse then €2000


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    #10
    Scortho
    Closed Accounts Posts: 3,876 ✭✭✭Scortho


    Or find an insurer that will give you third party extension.
    I've used it to drive cars much more powerful than the car I was insured on and had it confirmed by liberty/Quinn to say that I was insured.
    In fact I'm still insured to drive any privately owned roadworthy car with the owners permission but it's since lost its novelty as I'm nearly quadrupled my bhp!:D

    When I transferred insurance from the polo to the alfa, I had to pay extra (not much) to cover the increased risk. The biggest determinant on the cost isn't age, it's your Ncb.


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    #11
    Vicxas
    Registered Users Posts: 15,298 ✭✭✭✭Vicxas


    The main insured driver has to have an insurable interest in the car for them to be insured is what I was told.


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    #12
    pudzey101
    Registered Users Posts: 3,925 ✭✭✭pudzey101


    Scortho wrote: »
    Or find an insurer that will give you third party extension.
    I've used it to drive cars much more powerful than the car I was insured on and had it confirmed by liberty/Quinn to say that I was insured.
    In fact I'm still insured to drive any privately owned roadworthy car with the owners permission but it's since lost its novelty as I'm nearly quadrupled my bhp!:D

    When I transferred insurance from the polo to the alfa, I had to pay extra (not much) to cover the increased risk. The biggest determinant on the cost isn't age, it's your Ncb.

    ya i think il insure the girlfriends car , ring them up a week later tell them its gone and i have a dc2 bought :) cant refuse me by law once iv a policy with them right ?


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    #13
    Scortho
    Closed Accounts Posts: 3,876 ✭✭✭Scortho


    pudzey101 wrote: »
    ya i think il insure the girlfriends car , ring them up a week later tell them its gone and i have a dc2 bought :) cant refuse me by law once iv a policy with them right ?

    Provided your girlfriend will register the car in your name first.


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    #14
    colm_mcm
    Registered Users Posts: 73,426 ✭✭✭✭colm_mcm


    pudzey101 wrote: »
    ya i think il insure the girlfriends car , ring them up a week later tell them its gone and i have a dc2 bought :) cant refuse me by law once iv a policy with them right ?


    ybn6.jpg


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    #15
    bazz26
    Registered Users Posts: 51,178 ✭✭✭✭bazz26


    pudzey101 wrote: »
    ya i think il insure the girlfriends car , ring them up a week later tell them its gone and i have a dc2 bought :) cant refuse me by law once iv a policy with them right ?

    They may well ask for silly money to transfer the policy over to the Integra though. So that may leave you in a situation where you bought a car you cannot afford to insure.


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    #16
    pudzey101
    Registered Users Posts: 3,925 ✭✭✭pudzey101


    bazz26 wrote: »
    They may well ask for silly money to transfer the policy over to the Integra though. So that may leave you in a situation where you bought a car you cannot afford to insure.

    what about going under the parents name on it ?


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    #17
    bazz26
    Registered Users Posts: 51,178 ✭✭✭✭bazz26


    pudzey101 wrote: »
    what about going under the parents name on it ?

    Insurance companies are not dumb, they know young drivers are getting their parents to add themselves as the policy holder and then add their child as a named driver who in reality is the main driver. So more than likely they will put limitations on the policy of such a car, around named drivers such as minimum age, driver's license type and number of years driving experience. Failing that they will just increase the premium so much that it will become unaffordable to add a young driver to drive the car.


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    #18
    eringobragh
    Registered Users Posts: 3,668 ✭✭✭eringobragh


    pudzey101 wrote: »
    what about going under the parents name on it ?

    slippery slippery road that


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    #19
    djimi
    Registered Users Posts: 13,238 ✭✭✭✭djimi


    pudzey101 wrote: »
    ya i think il insure the girlfriends car , ring them up a week later tell them its gone and i have a dc2 bought :) cant refuse me by law once iv a policy with them right ?

    No but they can absolutely ride you at renewal time. A friend tried this with a Celica a few years ago and got quoted something like ten grand at renewal.

    Do not buy this car unless you have an absolutely watertight guarantee of an insurance quote that you can afford. Because I can tell you from experience you are going to have a very hard time insuring an Integra for anything resembling a reasonable amount of money, especially at your age.


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    #20
    endacl
    Registered Users Posts: 22,259 ✭✭✭✭endacl


    pudzey101 wrote: »
    what about going under the parents name on it ?

    What about driving what you can afford to insure until you get a bit older and the premium drops?


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    #21
    oldyouth
    Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    Just buy the car OP, you seem to have every angle covered


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    #22
    dan_ep82
    Registered Users Posts: 2,709 ✭✭✭dan_ep82


    Scortho wrote: »
    Or find an insurer that will give you third party extension.
    I've used it to drive cars much more powerful than the car I was insured on and had it confirmed by liberty/Quinn to say that I was insured.
    In fact I'm still insured to drive any privately owned roadworthy car with the owners permission but it's since lost its novelty as I'm nearly quadrupled my bhp!:D

    When I transferred insurance from the polo to the alfa, I had to pay extra (not much) to cover the increased risk. The biggest determinant on the cost isn't age, it's your Ncb.

    Not really advisable. The dc2 seems to be the most stolen car in Ireland with the amount of threads across forums. The last thing I'd want to do is spend 3-4k only for some scrote to burn or steal it. The third party extension is just that, no fire or theft protection.

    For what its worth I'm 24/ 4 yrs ncb and full since 08 and I'm paying just under 800 fully comp with liberty on a 02 Honda Integra Type R (DC5 Import)


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    #23
    djimi
    Registered Users Posts: 13,238 ✭✭✭✭djimi


    dan_ep82 wrote: »
    For what its worth I'm 24/ 4 yrs ncb and full since 08 and I'm paying just under 800 fully comp with liberty on a 02 Honda Integra Type R (DC5 Import)

    Im with Liberty also, but they will no longer take on new business for a car like a DC2 until the driver is over 30.


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    #24
    pudzey101
    Registered Users Posts: 3,925 ✭✭✭pudzey101


    Can lock this up got insured on it for 685 :D


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    #25
    djimi
    Registered Users Posts: 13,238 ✭✭✭✭djimi


    Fair play. Who quoted you that? Is it fully comp?


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    #26
    Tea 1000
    Registered Users Posts: 4,520 ✭✭✭Tea 1000


    I'd say he got "insured" on it! :P


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    #27
    Mister Man
    Registered Users Posts: 955 ✭✭✭Mister Man


    pudzey101 wrote: »
    Can lock this up got insured on it for 685 :D

    Fair play. How'd you get that, if you don't mind us asking..?


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    #28
    Sitec
    Registered Users Posts: 2,964 ✭✭✭Sitec


    That's a good quote, I found it hard to get under €800 on a Vti Civic


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