A guide to motor insurance & FAQ's

Colemania · 21-08-2015 9:28am

sderref wrote: »

Unfortunately, she has no Irish driving experience therefore she is 'young' or inexperienced driver with a restricted only automatic license, issued in other country/continent. Even with her years of named driver experience she considered to be a young driver.

At the end of the day, I don't know how much difference it will make. I put in 1 years named driver experience, pretending its this time next year, and a policy on her own and the quote was about 2 grand! Jesus I didn't think it would be this awkward to get insurance and she really needs a car!

sderref · 21-08-2015 11:52am

Colemania wrote: »

At the end of the day, I don't know how much difference it will make. I put in 1 years named driver experience, pretending its this time next year, and a policy on her own and the quote was about 2 grand! Jesus I didn't think it would be this awkward to get insurance and she really needs a car!

Yes, unfortunately it will be very high for first year. But if I was you, I would call as much insurer as I can.

RainyDay · 21-08-2015 11:11pm

sderref wrote: »

Hi there,
I would like to point out if the main driver informs the insurance company about this situation( the second driver will drive the car more frequently) its not fraudulent. Its called 'fronting'. However...its pretty grey area if we look at the usage of the vehicle on the daily basis.
According to chill.ie:
'Fronting
Fronting is a term that is used by insurers to describe a policy where a named driver is added to a car insurance policy but the majority of driving of the vehicle is done by the inexperienced driver. When insuring young drivers on any vehicle, thought needs to be given to how much use of the car they have and what they use the car for. If the young driver is regularly taking the vehicle to work or a place of education or if it becomes apparent that they use the vehicle more than the Policyholder, then insurers will argue that the young driver is the main user of the vehicle. If it comes to light that the young driver is the main user of the vehicle, the insurer may void the policy from inception and refuse to deal with any claims. '
Just to rectify, fronting considered to be illegal and in the event of a claim, could result in it not being settled. The simple rule is that if you don’t disclose something because you believe it would have made your policy more expensive, you will most likely have failed in your contractual obligations, so the policy may be cancelled.

Fair point - I didn't realise that any of the insurance companies formally recognised these situations in any way.

The fraud that I'm thinking about was where a person is asked 'who is the main driver' and lies in response to that question - that is fraud.

Wanderer2010 · 22-08-2015 5:04pm

I purchased insurance for my new car last Monday and they are waiting on the usual declaration form (which i signed and sent off yesterday) plus proof on no claims bonus from my last insurer. Thing is, my last insurer was Axa Direct, which have appalling customer care. Over the last year, they have sent me hostile letters demanding paperwork I already sent them, you ring them up and more often that not you get some clueless idiot reading from a script who doesnt know their a$se from their elbow. Needless to say I will never use then again.

Thing is, I have tried emailing and ringing my request and only on Wednesday did they agree to send it to me by post but warned it could take 5 working days, so when I rang looking for an update yesterday, turns out the letter wasnt sent in error and I will be waiting until next friday to get it! My current insurer said they need it by Monday (24th) or I may lose my insurance. Is it worth ringing them up to explain the situation and ask for a longer grace period? I really dont want to have to lose the insurance.

moleyv · 22-08-2015 6:12pm

Wanderer2010 wrote:

Thing is, I have tried emailing and ringing my request and only on Wednesday did they agree to send it to me by post but warned it could take 5 working days, so when I rang looking for an update yesterday, turns out the letter wasnt sent in error and I will be waiting until next friday to get it! My current insurer said they need it by Monday (24th) or I may lose my insurance. Is it worth ringing them up to explain the situation and ask for a longer grace period? I really dont want to have to lose the insurance.

The declaration will have a reference number that the other insurance co will check to make sure it is legit. I think that's how it works anyway.

Could you ask axa for that number and see if it will tide new company over?

Or see if axa will email it so you can print yourself?

To Elland Back · 22-08-2015 7:09pm

Wanderer2010 wrote: »

I purchased insurance for my new car last Monday and they are waiting on the usual declaration form (which i signed and sent off yesterday) plus proof on no claims bonus from my last insurer. Thing is, my last insurer was Axa Direct, which have appalling customer care. Over the last year, they have sent me hostile letters demanding paperwork I already sent them, you ring them up and more often that not you get some clueless idiot reading from a script who doesnt know their a$se from their elbow. Needless to say I will never use then again.

Thing is, I have tried emailing and ringing my request and only on Wednesday did they agree to send it to me by post but warned it could take 5 working days, so when I rang looking for an update yesterday, turns out the letter wasnt sent in error and I will be waiting until next friday to get it! My current insurer said they need it by Monday (24th) or I may lose my insurance. Is it worth ringing them up to explain the situation and ask for a longer grace period? I really dont want to have to lose the insurance.

Always interact with your insurer, never ignore a problem.If they never set a deadline nobody would ever send stuff in. Explain the situation and they should be flexible

Colemania · 25-08-2015 9:06am

RainyDay wrote: »

Fair point - I didn't realise that any of the insurance companies formally recognised these situations in any way.

The fraud that I'm thinking about was where a person is asked 'who is the main driver' and lies in response to that question - that is fraud.

Just an update on this. I didn't think it was worth the hassle of putting myself as main driver as she'll have to work up her no claims bonus regardless and having her as named driver is just delaying the inevitable.

We got a quote of 1300 this morning but an interesting facet of this quote is that the original quote was about 1700 and we were told that by putting and experienced driver as a named driver on the policy, brings the price down. So in this instance by 400 euro. Never knew that so hopefully that might help some people here.

Thanks for the help anyway lads/lasses

FamousBelgian · 31-08-2015 2:58pm

Does anyone know how it works if you are moving to Ireland?
- do you pay more if you haven't built up your NCB in Ireland?
- is it better to go named driver on someone else's car?
- does LHD carry a big loading?
- does an imported car carry a big loading?

I called Liberty and I got a quote for over 1000 (more than three times what I pay now in Holland) but that was for an imported LHD car. The guy couldn't say for sure what effect LHD had on the total price.

I then called a broker and they said that most companies would not insure someone who had lived in Ireland for less than one year. They never got back to me with the names of companies who would do this.

I tried a bunch of online quotes (Britton's site was the least difficult to use) and it seemed to come down to the old reliable: engine size. Location and driving history don't seem to make much difference. I also saw that Third Party mostly cost more than Fully Comp which seems illogical.

Anyone got any experience of this?

Colemania · 31-08-2015 3:09pm

FamousBelgian wrote: »

Does anyone know how it works if you are moving to Ireland?
- do you pay more if you haven't built up your NCB in Ireland?
- is it better to go named driver on someone else's car?
- does LHD carry a big loading?
- does an imported car carry a big loading?

I called Liberty and I got a quote for over 1000 (more than three times what I pay now in Holland) but that was for an imported LHD car. The guy couldn't say for sure what effect LHD had on the total price.

I then called a broker and they said that most companies would not insure someone who had lived in Ireland for less than one year. They never got back to me with the names of companies who would do this.

I tried a bunch of online quotes (Britton's site was the least difficult to use) and it seemed to come down to the old reliable: engine size. Location and driving history don't seem to make much difference. I also saw that Third Party mostly cost more than Fully Comp which seems illogical.

Anyone got any experience of this?

As you'll see in the comments above, I just sorted out insurance for my girlfriend, who is Australian. Having no NCB in Ireland or the UK was the main reason for not being able to get a quote initially. Me being named driver brought the price down alright and we got it for 1233 eventually. Fully comprehensive on a 1.6 automatic corolla. We went with AA as I have them myself and find them very cheap

commited · 31-08-2015 4:35pm

I see it coming up quite a bit so I'll offer my piece of advice for non-nationals living here and returning ex-pats..

I returned from Oz last year. Prior to leaving, I had built up 3 years NCB with Quinn Direct terminating in early 2009. I started insurance in Oz in late 2010. I built up 2 years and 10 months NCB in Oz (stupid to cancel the last policy) before returning home last year.

I contacted a broker and explained above and they said they'd see what they could do. Managed to swing that I had 5 years NCB and now, 1 year later, I have a cert with 6 years NCB on it. During my renewal quotes, I have stumbled across 2 assumptions which would "invalidate" my quote:
- NCB must have been earned in Ireland/UK
- Have been resident in Ireland over last x number of years

Any insurance company I've spoken to have waived the above as I'm Irish by nationality and have a current cert saying 6 years NCB. This year my quotes are coming back at a great price so it's worth the hassle!

The above took a bit of work - chasing all companies involved to get "up to date" certs etc but in the end, while my insurance wasn't as cheap the first year back as I could have got myself assuming 5 years NCB, it was still a hell of a lot cheaper than it would have been otherwise. Brokers are ideal for this sort of scenario, then again I never tried to get it through myself directly.

Liam McPoyle · 31-08-2015 5:38pm

FamousBelgian wrote: »

Does anyone know how it works if you are moving to Ireland?
- do you pay more if you haven't built up your NCB in Ireland? - Yes, many insurers wont insure you with no driving experience from Ireland
- is it better to go named driver on someone else's car? - Yes, if the other person has a bonus built up then get named on their policy to build up 1 years driving experience
- does LHD carry a big loading? - Most insurers wont insure LHD cars for drivers with no NCB in Ireland.
- does an imported car carry a big loading? - Yes, alot of insurers will not insure cars imported from outside of Ireland / UK

I called Liberty and I got a quote for over 1000 (more than three times what I pay now in Holland) but that was for an imported LHD car. The guy couldn't say for sure what effect LHD had on the total price.

I then called a broker and they said that most companies would not insure someone who had lived in Ireland for less than one year. They never got back to me with the names of companies who would do this.

I tried a bunch of online quotes (Britton's site was the least difficult to use) and it seemed to come down to the old reliable: engine size. Location and driving history don't seem to make much difference. I also saw that Third Party mostly cost more than Fully Comp which seems illogical.

Anyone got any experience of this?

See answers in bold above.

Sh1tbag OToole · 01-09-2015 11:33am

FamousBelgian wrote: »

Does anyone know how it works if you are moving to Ireland?
- do you pay more if you haven't built up your NCB in Ireland?
- is it better to go named driver on someone else's car?
- does LHD carry a big loading?
- does an imported car carry a big loading?

I called Liberty and I got a quote for over 1000 (more than three times what I pay now in Holland) but that was for an imported LHD car. The guy couldn't say for sure what effect LHD had on the total price.

I then called a broker and they said that most companies would not insure someone who had lived in Ireland for less than one year. They never got back to me with the names of companies who would do this.

I tried a bunch of online quotes (Britton's site was the least difficult to use) and it seemed to come down to the old reliable: engine size. Location and driving history don't seem to make much difference. I also saw that Third Party mostly cost more than Fully Comp which seems illogical.

Anyone got any experience of this?

Did you try AA? They insured me on a provisional with 0 years no claims in an imported LHD before. You might need to call them on the phone because the online form won't let you specify LHD.

If you don't have any Irish no claims bonus it's always going to be expensive no matter what car you drive for the first year anyway. If I was going to leave Ireland for a few years I would make sure to insure myself on some rustbucket that may or may not have an actual working engine in it that's declared off the road to preserve my no claims

joseph brand · 02-09-2015 7:13pm

For the second year running, my renewal quote is double the previous quote. This is infuriating.

Full License: 8 years+
NCB: 8 years+ (incl. provisional)
Age: 35+
Residence: Navan, Meath.

Last year I paid €368, the same insurer now wants €724!! It was a similar story last year.

What's going on? Is this a way of getting rid of me? All it does is force me to shop around and ultimately change insurer (give another company over 300 euro for doing absolutely nothing).

My car is a 1993 Corolla 1.6. (Not sure if the car has any relevance, as they insured me last year, although it is old).

imurdaddy · 08-09-2015 11:27pm

joseph brand wrote: »

For the second year running, my renewal quote is double the previous quote. This is infuriating.

Full License: 8 years+
NCB: 8 years+ (incl. provisional)
Age: 35+
Residence: Navan, Meath.

Last year I paid €368, the same insurer now wants €724!! It was a similar story last year.

What's going on? Is this a way of getting rid of me? All it does is force me to shop around and ultimately change insurer (give another company over 300 euro for doing absolutely nothing).

My car is a 1993 Corolla 1.6. (Not sure if the car has any relevance, as they insured me last year, although it is old).

Join the club last year I paid €520ish on a Mercedes Slk 200 Kompressor, this year they wanted €1387 for TPFT nothing had changed no claims etc, so did a bit of shopping around today and yesterday and best I got was €860 TPFT and worst €3400 now all this was online quotes so may get a bit lower on the phone, but to say im less than impressed. We're been ripped off for insurance and especially when you have done nothing wrong accidents or point's, I have a month to find a better price but id say ill struggle!

Staph · 10-09-2015 4:40pm

Hey,

I have been getting quotes for car insurance. One of the cheapest is Kennco. I was wondering if any of you have been with them and is their customer service ok? Can you get them easily if you want to alter details, etc?

joseph brand · 10-09-2015 6:43pm

imurdaddy wrote: »

Join the club last year I paid €520ish on a Mercedes Slk 200 Kompressor, this year they wanted €1387 for TPFT nothing had changed no claims etc, so did a bit of shopping around today and yesterday and best I got was €860 TPFT and worst €3400 now all this was online quotes so may get a bit lower on the phone, but to say im less than impressed. We're been ripped off for insurance and especially when you have done nothing wrong accidents or point's, I have a month to find a better price but id say ill struggle!

It makes no sense to me. One would think that an insurance company would endeavour to keep existing customers (especially when they have not claimed) and gain new customers. Rather, it seems their business model involves chasing existing customers away. They have made me an offer I must refuse.

I'm also 'lucky' enough to have a Japanese import, along with the car being 22 years old this year. Most insurance companies won't even offer me a quote. When I ask them why?, they say that they have no idea. I guess it's a big secret.

delta_bravo · 13-09-2015 8:40pm

joseph brand wrote: »

I'm also 'lucky' enough to have a Japanese import, along with the car being 22 years old this year. Most insurance companies won't even offer me a quote. When I ask them why?, they say that they have no idea. I guess it's a big secret.

They're rarely going to say why but they're a higher risk in terms of theft, cost of replacement parts, claims history....

scamalert · 18-09-2015 3:56pm

does anyone know if NCB expire if you cancel insurance but remain with same company as named driver on another policy.thx

jinkybhoy · 18-09-2015 3:58pm

scamalert wrote: »

does anyone know if NCB expire if you cancel insurance but remain with same company as named driver on another policy.thx

Your bonus is good for 2 years - named driving experience won't extend this. So if you stay as a named driver and don't take a policy out in your name within 2 years - it's gone.

scamalert · 18-09-2015 4:02pm

thx gotta love the system in place :cool:

Tilikum · 22-09-2015 11:53am

Thinking of adding my gf to my policy. She had a claim in July 2011. Would the insurance company need to about that claim or would it I need to tell them as its more than 4 yrs ago?

scamalert · 22-09-2015 11:58am

if the claim is settled and was 4y ago then most insurers usually ask for if you had any claims in past 3yrs some might extend on longer terms some 2yrs.

If its still open then its a lot different story,as managed to find only one broker out of over 30 that would be willing to take someone with open claim and prices are insane to say the least.

Liam McPoyle · 22-09-2015 10:35pm

Tilikum wrote: »

Thinking of adding my gf to my policy. She had a claim in July 2011. Would the insurance company need to about that claim or would it I need to tell them as its more than 4 yrs ago?

All insurers will ask for a minimum of 5 years claims experience for any additional drivers.

Left Back on the Bench · 25-09-2015 7:24pm

Anyone getting cheap enough car insurance? Have a full licence for 10 years, no claims bonus for 7 years and no penalty points. I drive an 04 Saab 9 - 3 vector turbo.

Cheapest I'm getting is around â‚¬800. Feel its madness, paid â‚¬565 last year fully comprehensive with aig and this year the quote is â‚¬955.

To say I'm not happy is an understatement.

Danger781 · 26-09-2015 11:45am

Seems I'm not alone..

My insurance increased by about 350 after getting a full license. I can only imagine what I would be paying if I still had L plates.

loki7777 · 03-10-2015 5:05pm

I just get confused by 123.ie online quotation. I claimed 2 times windscreen(axa,paid premium to have it so no effect to NCB) over last 3 years and now the even won't quote me online.

jinkybhoy · 05-10-2015 11:33am

loki7777 wrote: »

I just get confused by 123.ie online quotation. I claimed 2 times windscreen(axa,paid premium to have it so no effect to NCB) over last 3 years and now the even won't quote me online.

it's right - a lot of the companies are now not quoting if you have 2 or more windscreen claims within 3 years - I'd say they will all follow suit eventually.

davismorris717 · 06-10-2015 7:11am

Its better to get car insurance renew before selling it.!

sean1141 · 07-10-2015 9:16pm

Maybe this has been asked before but is no claims bonus worth the premium?
Full no claims or even step back??

Liam McPoyle · 08-10-2015 7:43am

sean1141 wrote: »

Maybe this has been asked before but is no claims bonus worth the premium?
Full no claims or even step back??

You mean NCB protection I presume?

IMO it absolutely is.

I've seen many cases where people don't have bonus protection and their cars got hit parked on the side of the road, car parks etc.

One claim for damage and your full bonus is gonzo.

So paying an extra €1.50 - €2 per week to have it on the policy is money well spent for the piece of mind IMO.

NATLOR · 08-10-2015 9:02am

Business Cat wrote: »

You mean NCB protection I presume?

IMO it absolutely is.

I've seen many cases where people don't have bonus protection and their cars got hit parked on the side of the road, car parks etc.

One claim for damage and your full bonus is gonzo.

So paying an extra €1.50 - €2 per week to have it on the policy is money well spent for the piece of mind IMO.

Totally agree,had an accident last year,my fault,over ten grand of a claim,luckily i had no claims protection so no change on my premium this year. Its a no brainer IMO

acronym Chilli · 09-10-2015 10:34am

NATLOR wrote: »

Totally agree,had an accident last year,my fault,over ten grand of a claim,luckily i had no claims protection so no change on my premium this year. Its a no brainer IMO

Can you say who you're insured with?

I actually (cynically) expected that the insurance company would increase your base premium, while leaving the NCB in place, so a nett increase. e.g. picking numbers out of thin air: if you'd a €500 premium, and a 50% NCB, paying €250, they'd then increase your premium to €1000, leave you with 50% NCB, and now pay €500. Great to see it actually work out more fairly in your case.

NATLOR · 09-10-2015 3:52pm

acronym Chilli wrote: »

Can you say who you're insured with?

I actually (cynically) expected that the insurance company would increase your base premium, while leaving the NCB in place, so a nett increase. e.g. picking numbers out of thin air: if you'd a €500 premium, and a 50% NCB, paying €250, they'd then increase your premium to €1000, leave you with 50% NCB, and now pay €500. Great to see it actually work out more fairly in your case.

Im with Aviva.I was totally expecting them to ramp up the premium so was pleasantly surprised to see no change what so ever.Insurance companies get a lot of bad press but i must say they were a pleasure to deal with through the whole claims process, organised a hire car immediately,gave me a more than fair price for my car (it was a write off) and sent me the cheque within two weeks so all credit to them

motownman · 10-10-2015 3:26pm

Looking for advice..

Son is a named driver on my policy and tipped (15kph) the back of a car in traffic. Other guy says no big deal will get fixed and look for cost when done.

Question is should you notify insurance company anyway? If you do and no claim is ever submitted is there any effect on your policy?

Thanks in advance

loki7777 · 10-10-2015 3:30pm

In my opinion ringing them up is like making claim(even if you won't move it forward) - so it will effect your ncb.

motownman · 10-10-2015 3:44pm

loki7777 wrote: »

In my opinion ringing them up is like making claim(even if you won't move it forward) - so it will effect your ncb.

I thought that myself but if you don't notify them and the other guy decides he has a sore neck you're in trouble then aren't you?

Liam McPoyle · 10-10-2015 4:35pm

motownman wrote: »

Looking for advice..

Son is a named driver on my policy and tipped (15kph) the back of a car in traffic. Other guy says no big deal will get fixed and look for cost when done.

Question is should you notify insurance company anyway? If you do and no claim is ever submitted is there any effect on your policy?

Thanks in advance

Absolutely notify your insurer for the very reasons you outlined and do it as soon as you can. The amount of times Ive heard people say that the other party was sound about it in the immediate aftermath of an accident only to suddenly develop soft tissue damage is staggering. You may well be dealing with an honest citizen but €€ signs can turn otherwise stand up people into complete ****.

loki7777 wrote: »

In my opinion ringing them up is like making claim(even if you won't move it forward) - so it will effect your ncb.

It may be your opinion but your opinion is wrong and your advice is bad.

Danger781 · 10-10-2015 5:07pm

Been in this exact situation before. Paintwork damage to another gents door. Inform your insurance company asap.

At first all seemed fine, we agreed he would get a quote and come back to me (Even though I didn't believe it was entirely my fault..). Took him 3 months to come back to me with a quote for the repair. He had decided to get a quote from a dealership and he straight out refused to get me any other quotes. I consulted my local gardai about what I can do, they basically told me that I'm screwed. If he decided to make a complaint against me to the gardai then I open myself up to prosecution. So at that point I engaged a solicitor to handle all communication with him because I didn't want to have to deal with him any longer.

I engaged a solicitor who told me to inform my insurance company asap of the whole situation. At first I explained to them that I was only informing them of the incident and that I did not want them to pursue it as were arranging a settlement ourselves. Eventually they took over negotiations on my behalf after I explained that he was not being cooperative. They handled the whole thing, arranged a final settlement which was about 40% of the quote he got. I was given the option to settle with this gentleman directly, thereby bypassing the insurance company altogether, which I believe would have allowed me to keep my NCB. However I felt much more comfortable arranging it through the insurance company as they seemed more official, legally binding, etc.

Lesson learned though, inform insurance regardless of whether or not a claim will actually go through.

10-10-2015 5:08pm

delta_bravo wrote: »

They're rarely going to say why but they're a higher risk in terms of theft, cost of replacement parts, claims history....

Surely for a 22 yr old car, the max exposure would be 1000EUR...?

In addition, anybody doing high mileage would not be using a 22 yr old car. Seems strange why the insurance costs are so high.

Or is this an indication that the NCT isnt catching old unroadworthy cars?

acronym Chilli · 12-10-2015 7:49am

Business Cat wrote: »

Absolutely notify your insurer for the very reasons you outlined and do it as soon as you can. The amount of times Ive heard people say that the other party was sound about it in the immediate aftermath of an accident only to suddenly develop soft tissue damage is staggering. You may well be dealing with an honest citizen but €€ signs can turn otherwise stand up people into complete ****.

It may be your opinion but your opinion is wrong and your advice is bad.

+1
personal experience: tipped rear of another car (car park incident). Other party agreed to settle outside of insurance. I notified insurance, and they confirmed that it wouldn't affect my NCB. That isn't quite the same as a guarantee that it won't affect my premium, even though I got that impression. However, if it's up at renewal, I'll never know exactly what led to it (premia are up generally).

In my case, the outside settlement worked well (happened on Friday, other driver had car in garage (not a dealership) on Monday and I dropped into the garage to pay the bill directly on Tuesday. Months later, all fine. But I know of cases in family where it hasn't worked out so well (and that without any personal injury, just the other driver thinking it over afterwards and deciding they'd been too soft at the time).

However, (to OP) you are supposed to tell insurance (it's almost certainly a condition of your policy in the booklets you were sent), and as others have said that is probably the wisest course of action. The damage to the car is one thing, but personal injury can be an open cheque book. That may be because the other driver is trying it on, but it could equally be that an injury (or aggravation of an older injury) shows up a little later (genuinely). The other party will certainly in that case be claiming (they have to really), and you're unlikely to want to settle that privately. If you don't inform the insurance company at the time, then in most drastic situation they could claim you weren't insured and not cover you, or use it to deny you a renewal, which will put you in a really bad category when you try to go to any other firm.

SmurfX · 12-10-2015 12:42pm

Pretty basic question but my FBD insurance is up for renewal next month, it's gone up considerably so I'm switching to Aviva instead. I presume policies don't auto renew and I don't need to contact FBD to let them know I'm leaving them?

sean1141 · 12-10-2015 1:25pm

SmurfX wrote:

Pretty basic question but my FBD insurance is up for renewal next month, it's gone up considerably so I'm switching to Aviva instead. I presume policies don't auto renew and I don't need to contact FBD to let them know I'm leaving them?

Unless you were paying by direct debit I don't think it will renew. I have never paid direct debit so I'm not sure even if it would automatically renew but generally unless you pay it won't renew.

Danger781 · 12-10-2015 1:43pm

Mine auto-renewed. I was paying DD.

scamalert · 13-10-2015 8:53pm

thats why in this country insurance companies are F88ked up really.

say you have a small accident-and agree on damage done and to pay for it,no need to call guards etc.Then person finds out he/she can make money out of it,visit to solicitor-who will gladly take such cases,then visit to gp to complain about sore neck-which with enough moaning will be put down as back/neck injury and your totally Fcked.

Happened to two people i know and myself.
First instance person by accident started rolling before lights changed and bumped another car like 1-3mph speed,anyway person admitted fault other person was fine-scratch on a bumper week later w@anker wearing neck brace support and failing for personal injuries.

Other story person was reversing and hit a bumper of another car-same agreed to cover scratch which in turn person decides he needs new bumper wing and other stuff from dealership-thus couple grand out of pocket.

My own story had an accident my fault,person crashed into me,all paperwork was right guards on spot.had a chat for couple days afterwards since accident wrote off both cars,anyway insurance covered other party in full in few days time,then person suddenly doesn't want to hear from me and get handed papers with injury claim,thus getting open claim and sitting on it for 3 years no sight of settling it,so moral of story most people are ***** since system in place is rigged so much that any complaint of insomnia or fear alone will get settlements of thousands.

Liam McPoyle · 14-10-2015 7:50am

I must say, its refreshing to see many people in here cottoning on to the fact that premium increases aren't simply down to insurers trying to line their own pockets.

Of course they aren't blameless, cutting rates to gain market share / compete was risky and short sighted, the compensation process for "injuries" and payment amounts of claims is in dire need of a massive overhaul but with the government more worried about getting re-elected than anything nothing is going to change anytime soon.

I do fear however it going to reach critical mass at some point in the near future and by that point drastic measures will be required rather than if corrective measures were formulated now.

Concerning times ahead.

Tippjohn · 14-10-2015 2:56pm

To anyone considering using totally online insurance companies. I have had a dreadfull 2 weeks cancelling and getting my NCB back using one of these companies. They will talk to you and all is wonderful until they have your money. Then they could not cover the car! Instant messages and requests for call backs have taken up at least 20 hours over 10 days. IMs are returned saying they cannot discuss on line due to data protection, call backs have been two rings and gone, when you get someone they cannot help but will call back, but they don't.
Thankfully an old insurer, whose name starts with three numbers, trusted me, gave me cover within half an hour after consultng with their underwriter, subject to confirmation of no claims within 2 weeks. All in all it spoilt the arrival of a new car. Never again, the frustration is as bad as an accident. 40+ years accident and points free, you would think they would jump through hoops for the business.
I now await reimbursment of an unused policy and returned disc. I live in hope.
Hope this is place to post it.

Asmooh · 15-10-2015 6:44am

Help!how do people insure cars? I tried every website but I got quoted for 211 euros a month for a 1.6. How do people that have nice cars pay for this? Do they spend 1000 per month on insurance or so? I have my license for almost 10 years

Danger781 · 15-10-2015 7:20am

Asmooh wrote: »

Help!how do people insure cars? I tried every website but I got quoted for 211 euros a month for a 1.6. How do people that have nice cars pay for this? Do they spend 1000 per month on insurance or so? I have my license for almost 10 years

Details on the car might be helpful..
I'm 24 in a 2005 1.6 with 1 claim paying around that mark

Staph · 15-10-2015 7:22am

Do you have points? How much NCB do you have? Have you called or just got quotes online? I found when I called, they would tell you why their quote was high, don't get that information from online quotes.

Asmooh · 15-10-2015 7:29am

Staph wrote: »

Do you have points? How much NCB do you have? Have you called or just got quotes online? I found when I called, they would tell you why their quote was high, don't get that information from online quotes.

I have no experience with driving in Ireland , so no Ncb because it doesn't count when drove for almost 10 years in another country. Only online because of work I don't have time to call.

Based on the price of the cat I own in the Netherlands at the moment, the car I want back and get in Ireland would be aroun 2000 a month for insurance

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