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I cannot get ANYONE to insure me

  • 16-01-2013 2:09pm
    #1
    The Jammy dodger
    Registered Users, Registered Users 2 Posts: 658 ✭✭✭


    Hello. I just have been issued with my provisional. I cannot seem to get any insurance company to qoute me because they all say I have to have at least one year no claims bonus. How on earth can I GET a one years claim bonus if nobody will insure me? its really stupid.

    I have never driven before so this is my first time insurance.

    Anybody got any insurance companies that will insure me as a person who as a provisional licence and is a first time insurance buyer?


Comments

  • #2
    Outkast_IRE
    Registered Users, Registered Users 2 Posts: 7,516 ✭✭✭Outkast_IRE


    What car are you trying to get insured on ?


  • #3
    Kimbot
    Moderators, Computer Games Moderators, Social & Fun Moderators Posts: 18,693 Mod ✭✭✭✭Kimbot


    Liberty insurance/St Pauls/Quote Devil


  • #4
    The Jammy dodger
    Registered Users, Registered Users 2 Posts: 658 ✭✭✭The Jammy dodger


    Outkast_IRE wrote: »
    What car are you trying to get insured on ?

    they didn't even ask me that on the phone, they just cut me off with ''sorry can't insure you''.

    Its a 2005 Nissan Almera 1.5


  • #5
    Outkast_IRE
    Registered Users, Registered Users 2 Posts: 7,516 ✭✭✭Outkast_IRE


    The Jammy dodger wrote: »
    they didn't even ask me that on the phone, they just cut me off with ''sorry can't insure you''.

    Its a 2005 Nissan Almera 1.5
    You should be able to get insurance so . Have you approached any brokers to look for you.


  • #6
    Duiske
    Registered Users, Registered Users 2 Posts: 3,087 ✭✭✭Duiske


    The Jammy dodger wrote: »
    they didn't even ask me that on the phone, they just cut me off with ''sorry can't insure you''.

    Its a 2005 Nissan Almera 1.5

    Have a look at page 3 of this pdf from the Irish Insurance Federation.


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  • #7
    thegreatiam
    Registered Users, Registered Users 2 Posts: 2,869 ✭✭✭thegreatiam


    http://www.boards.ie/vbulletin/showthread.php?t=2056854954

    try one of these companies, expect to pay through the nose


  • #8
    The Jammy dodger
    Registered Users, Registered Users 2 Posts: 658 ✭✭✭The Jammy dodger


    Duiske wrote: »
    Have a look at page 3 of this pdf from the Irish Insurance Federation.

    I did. I but how do I go about giving out about it to them?:confused:

    So far I have approached Zurich, they won't even put me on to my wifes insurance.

    I approached one-direct and got the NO.

    123.ie are a big no also.

    I called Liberty insurance but they were like 300 euro a month for 6 months. That is WAY too expensive for me.


  • #9
    maximoose
    Registered Users, Registered Users 2 Posts: 9,207 ✭✭✭maximoose


    When I was in your position i.e had just been given my learner permit the only place I got a reasonable quote for fully comp in my name from was insure.ie - might be worth a go.

    You're not going to find it cheap anywhere, just a search for the least ridiculous.


  • #10
    Alanstrainor
    Registered Users, Registered Users 2 Posts: 23,157 ✭✭✭✭Alanstrainor


    There has to be something else at play here, learners get first time insurance all the time without much in the way of hassle.

    Try britton, they were good for my younger brother. He got insurance for around 1000, on a 2007 micra, no previous experience and a first time Learner Permit holder.


  • #11
    kenon
    Registered Users, Registered Users 2 Posts: 2,261 ✭✭✭kenon


    When I was on my provisional in June, the only people to give me a semi-reasonable quote was Tesco. All the other quotes were €3000+.

    5/6 a side football

    Coolmine Sports Centre - Wednesdays - 8pm

    PM me for a game

    Thread



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  • #12
    thegreatiam
    Registered Users, Registered Users 2 Posts: 2,869 ✭✭✭thegreatiam


    The Jammy dodger wrote: »
    I called Liberty insurance but they were like 300 euro a month for 6 months. That is WAY too expensive for me.

    so you did find someone to insure you, you just don't want to pay it.

    get the phone book out, make a list of all the insurance companies and start dialing. you will be paying a lot of money
    • you are a new driver
    • you have an expensive car to insure
    • you have no driving experience

    There are ways to get a reduction in these charges, but it will never be cheap.
    I got quoted 7k a year last month for a car.
    Try firstireland.ie they have a scheme which gives you 20% discount if you have 10 lessons with an approved instructor.

    also ask your instructor, they will often know who gives good deals for new drivers.


  • #13
    readytosnap
    Registered Users, Registered Users 2 Posts: 1,330 ✭✭✭readytosnap


    as stated above Brittons are the crowd, i got my daughters insured through them for their first year.


  • #14
    Shankly88
    Registered Users Posts: 68 ✭✭Shankly88


    what age are you if you dont mind me asking if you are a young lad on a provisional with a car over 1.3 litres you should be expecting to pay 3000 or more, i had to pay 3500 for my first year driving on a 1.4 almera 03.. although that was 4 years ago.

    its just the way it is im afraid, did you apply for your driving test? do that straight away even if you find insurance because if you pass you will get some/alot of money back of the insurer. in a couple of years you will be paying peanuts if you keep a good no claims bonus.


  • #15
    The Jammy dodger
    Registered Users, Registered Users 2 Posts: 658 ✭✭✭The Jammy dodger


    Shankly88 wrote: »
    what age are you if you dont mind me asking if you are a young lad on a provisional with a car over 1.3 litres you should be expecting to pay 3000 or more, i had to pay 3500 for my first year driving on a 1.4 almera 03.. although that was 4 years ago.

    its just the way it is im afraid, did you apply for your driving test? do that straight away even if you find insurance because if you pass you will get some/alot of money back of the insurer. in a couple of years you will be paying peanuts if you keep a good no claims bonus.

    Thanks for the advice I'm 28


  • #16
    thegreatiam
    Registered Users, Registered Users 2 Posts: 2,869 ✭✭✭thegreatiam


    The Jammy dodger wrote: »
    they didn't even ask me that on the phone, they just cut me off with ''sorry can't insure you''.

    Its a 2005 Nissan Almera 1.5

    would you consider getting another car. Almeras all seem to be group 14 insurance, which wont really help your case.

    Try a smaller 1 litre, group 1,2,3,4 car its only for a year or so.


  • #17
    DoesNotCompute
    Registered Users, Registered Users 2 Posts: 1,375 ✭✭✭DoesNotCompute


    The Jammy dodger wrote: »
    Hello. I just have been issued with my provisional. I cannot seem to get any insurance company to qoute me because they all say I have to have at least one year no claims bonus. How on earth can I GET a one years claim bonus if nobody will insure me? its really stupid.

    I have never driven before so this is my first time insurance.

    Anybody got any insurance companies that will insure me as a person who as a provisional licence and is a first time insurance buyer?

    I have the same problem. I went online looking for quotes and the only insurer who would offer me a quote was Axa. Also my friend advised me that Pat Britton in Donegal specialise in 1st time drivers and high risk people:

    http://www.brittoninsurance.ie/contact.html


  • #18
    purplestar1986
    Registered Users Posts: 251 ✭✭purplestar1986


    Try tesco insurance, Im a learner, no experience and got my insurance for around 600, i pay 52 odd a month but my car is a lil Seicento. They're underwritten by RSA insurance Ireland ltd


  • #19
    loobylou
    Registered Users, Registered Users 2 Posts: 1,418 ✭✭✭loobylou


    RSA wouldn't insure me privately due to my profession.
    Whats my profession?
    Driving instructor.
    Work that one out.:confused:


  • #20
    thegreatiam
    Registered Users, Registered Users 2 Posts: 2,869 ✭✭✭thegreatiam


    loobylou wrote: »
    RSA wouldn't insure me due to my profession.
    Whats my profession?
    Driving instructor.
    Work that one out.:confused:

    cos you let people with 0 driving experience drive your car, thereby raising the chances you will do damage to it. thats how insurance works, the more you need it the less likely they are to give it to you.


  • #21
    loobylou
    Registered Users, Registered Users 2 Posts: 1,418 ✭✭✭loobylou


    thegreatiam wrote: »
    cos you let people with 0 driving experience drive your car, thereby raising the chances you will do damage to it. thats how insurance works, the more you need it the less likely they are to give it to you.

    Nope, my own private car. My school car is insured by....... RSA.


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  • #22
    thegreatiam
    Registered Users, Registered Users 2 Posts: 2,869 ✭✭✭thegreatiam


    fair enough, that is bizarre


  • #23
    Tippgal93
    Registered Users, Registered Users 2 Posts: 59 ✭✭Tippgal93


    Axa Insurance :P


  • #24
    fussyonion
    Registered Users, Registered Users 2 Posts: 7,821 ✭✭✭fussyonion


    I had the same problem back in 2008 when I was a first time driver and many companies wouldn't insure me.

    Aviva did insure me but I paid €1200 for it.

    I've stayed with them since and now every year, my quote is cheaper than the rest.


  • #25
    triple-M
    Closed Accounts Posts: 1,171 ✭✭✭triple-M


    nononsense.ie perhaps? i-ve been shopping around and they have given me the cheapest quote by far,im just a little concerned as I remember hearing they are affiliated with ryanair so im wondering if I get charged extra for bringing my shopping home in the boot rather than as hand luggage on my lap or under the seat


  • #26
    wonski
    Registered Users, Registered Users 2 Posts: 13,685 ✭✭✭✭wonski


    fussyonion wrote: »
    I had the same problem back in 2008 when I was a first time driver and many companies wouldn't insure me.

    Aviva did insure me but I paid €1200 for it.

    I've stayed with them since and now every year, my quote is cheaper than the rest.

    Aviva won't insure op - 1.4 engine limit.


  • #27
    wonski
    Registered Users, Registered Users 2 Posts: 13,685 ✭✭✭✭wonski


    triple-M wrote: »
    nononsense.ie perhaps? i-ve been shopping around and they have given me the cheapest quote by far,im just a little concerned as I remember hearing they are affiliated with ryanair so im wondering if I get charged extra for bringing my shopping home in the boot rather than as hand luggage on my lap or under the seat

    No nonsense is FBD actually, it is 123 you are talking about iirc.


  • #28
    the_syco
    Registered Users, Registered Users 2 Posts: 37,305 ✭✭✭✭the_syco


    Try with "Asgard insurance" via insure.ie? I got a 1.4 Honda Civic insured on a provisional license when I was 28, for €1200. I'm a dude, if you're wondering.


  • #29
    ADIDriving
    Registered Users, Registered Users 2 Posts: 834 ✭✭✭ADIDriving


    loobylou wrote: »
    Nope, my own private car. My school car is insured by....... RSA.
    :confused:
    That's just crazy!


  • #30
    MascotDec85
    Registered Users, Registered Users 2 Posts: 1,924 ✭✭✭MascotDec85


    ADIDriving wrote: »
    :confused:
    That's just crazy!
    I can't get insured as a named driver on my g/f's car cos I'm an ADI. If I tell them I'm a civil engineer (my former job) I get quoted. It's bonkers. It's not as if we're teaching pupils in these cars. We're professional drivers FFS


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  • #31
    wonski
    Registered Users, Registered Users 2 Posts: 13,685 ✭✭✭✭wonski


    MascotDec85 wrote: »
    I can't get insured as a named driver on my g/f's car cos I'm an ADI. If I tell them I'm a civil engineer (my former job) I get quoted. It's bonkers. It's not as if we're teaching pupils in these cars. We're professional drivers FFS

    The funny bit is they have no problem insuring someone with no licence (learner permit i mean), and wouldn't quote person who is fully qualified to teach them how to drive and prepare to the test:rolleyes: How crazy is that???
    Remember someone working as a barman on here who couldn't get insurance due to his proffesion - amazing what insurance companies come up with sometimes...


  • #32
    Wils110
    Closed Accounts Posts: 548 ✭✭✭Wils110


    It's against the law to drive on your own on a provisional...so the insurance company would also have to consider if your passenger(full licence) is in the car with you their claim to I'd imagine


  • #33
    nathan99
    Registered Users Posts: 151 ✭✭nathan99


    Does any one know if you would get insured on a 1.9 seat toledo if your 17 and on a provisional? (I dont have one but i would genuinely like to know if you would)


  • #34
    Kristopherus
    Registered Users, Registered Users 2 Posts: 11,907 ✭✭✭✭Kristopherus


    nathan99 wrote: »
    Does any one know if you would get insured on a 1.9 seat toledo if your 17 and on a provisional? (I dont have one but i would genuinely like to know if you would)

    You'll get a quote all right, but expect a few noughts before the decimal point.


  • #35
    ADIDriving
    Registered Users, Registered Users 2 Posts: 834 ✭✭✭ADIDriving


    I can't see the reason for Jammy Dodger not getting quotes. But Nathan, your quotes would be big.


  • #36
    therunaround
    Registered Users, Registered Users 2 Posts: 128 ✭✭therunaround


    Definitely try Britton, I started out with them a few years ago for 1800, next cheapest crowd were 2900


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  • #37
    R.M.
    Registered Users Posts: 34 ✭R.M.


    OP, make sure you try AXA. I'm with them and so are most of my friends. It seems like they are one of the few that give first time insuranse to provisional lisence drivers


  • #38
    Shankly88
    Registered Users Posts: 68 ✭✭Shankly88


    Kristopherus wrote: »
    You'll get a quote all right, but expect a few noughts before the decimal point.

    no offence mate but i wouldnt insure a 17 year old with a car that powerfull


  • #39
    Miike
    Registered Users, Registered Users 2 Posts: 2,021 ✭✭✭Miike


    chill.ie

    I couldn't get a quote anywhere but here at the start! and I got it cheap as f too!!!


  • #40
    nathan99
    Registered Users Posts: 151 ✭✭nathan99


    ADIDriving wrote: »
    I can't see the reason for Jammy Dodger not getting quotes. But Nathan, your quotes would be big.

    Well i went on chill.ie and just filled out the relevant details and came up with this...
    It says it would cost 4200 to insure,
    but on the smaller 1.6 engine it says it costs 4000
    then on a golf 1.4 engine it costs 3900

    there must be something wrong? its barely any difference in the price ?


  • #41
    Alanstrainor
    Registered Users, Registered Users 2 Posts: 23,157 ✭✭✭✭Alanstrainor


    Nathan there's quite a lot more to these quotes than merely engine size. And also, online quotes are useless for high risk drivers, ringing around is the only way.


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  • #42
    ADIDriving
    Registered Users, Registered Users 2 Posts: 834 ✭✭✭ADIDriving


    nathan99 wrote: »

    Well i went on chill.ie and just filled out the relevant details and came up with this...
    It says it would cost 4200 to insure,
    but on the smaller 1.6 engine it says it costs 4000
    then on a golf 1.4 engine it costs 3900

    there must be something wrong? its barely any difference in the price ?
    Just like I said, big quotes. Try a 1lt car. Then you'll get a slightly bigger drop. But for the craic; add 19 years on your age, full and clean licence for 17 years and you'll drop a 0 off those quotes. That's what's 'wrong'. Sorry.


  • #43
    Shankly88
    Registered Users Posts: 68 ✭✭Shankly88


    nathan99 wrote: »

    Well i went on chill.ie and just filled out the relevant details and came up with this...
    It says it would cost 4200 to insure,
    but on the smaller 1.6 engine it says it costs 4000
    then on a golf 1.4 engine it costs 3900

    there must be something wrong? its barely any difference in the price ?

    Paying that insurance isn't worth it mate you may aswell save that money get your full licence when you turn 18 and with the amount you save you could buy a high quality car with cheap enough insurance lad


  • #44
    merc609
    Registered Users Posts: 40 ✭merc609


    try brittons they look after younger drivers.. also there is XSdirect (try google) but as the name suggests its all about the excess you pay in the event of a accident. you choose the amount of excess to pay, the higher the excess the cheaper your insurance.


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