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Will an Irish license lower my insurance costs?

  • 29-05-2015 10:59am
    #1
    pmrozik
    Registered Users, Registered Users 2 Posts: 52 ✭✭


    Hi all,

    I'll be renewing my insurance in two months and was just wondering whether getting an Irish driver's license would give me a big enough insurance discount to make it worthwhile.

    Thanks in advance.


Comments

  • #2
    L1011
    Registered Users, Registered Users 2 Posts: 69,544 ✭✭✭✭L1011


    It depends where your existing licence is from. UK licences are usually not loaded at all, EU licences can be loaded quite heavily. The conversion costs will be more than offset over ten years if not one.


  • #3
    pmrozik
    Registered Users, Registered Users 2 Posts: 52 ✭✭pmrozik


    Thanks for the quick reply.

    It's 55 EUR for a 10 year Irish license.

    I currently have a four year no claims discount and my license is Polish. I've been paying about 800 per year for a 1.3 l.


  • #4
    TallGlass
    Closed Accounts Posts: 4,935 ✭✭✭TallGlass


    pmrozik wrote: »
    Thanks for the quick reply.

    It's 55 EUR for a 10 year Irish license.

    I currently have a four year no claims discount and my license is Polish. I've been paying about 800 per year for a 1.3 l.

    Could be wrong but that's about right I am much the same on a 1.4 Corolla, 79€ PM.


  • #5
    pmrozik
    Registered Users, Registered Users 2 Posts: 52 ✭✭pmrozik


    Okay then, I suppose it doesn't look like it's worth it. I'll just have to shop aorund for the best insurance rates.

    Thank you, much appreciated!


  • #6
    slimjimmc
    Registered Users, Registered Users 2 Posts: 7,786 ✭✭✭slimjimmc


    Moved from Consumer Issues


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  • #7
    L1011
    Registered Users, Registered Users 2 Posts: 69,544 ✭✭✭✭L1011


    Run the same quote with an Irish licence selected. Clearly don't proceed on those until you've swapped...


  • #8
    Atlantic Dawn
    Registered Users, Registered Users 2 Posts: 83,424 ✭✭✭✭Atlantic Dawn
    M


    Usually it will as penalty points received in Ireland can only currently go on an Irish licence so poor drivers can be measured from how many points they have.


  • #9
    ironclaw
    Registered Users, Registered Users 2 Posts: 8,004 ✭✭✭ironclaw


    Yeah, the loading is considerable on a foreign license.

    http://www.boards.ie/vbulletin/showthread.php?t=2057361458


  • #10
    Fred Swanson
    Closed Accounts Posts: 21,730 ✭✭✭✭Fred Swanson


    This post has been deleted.


  • #11
    Boskowski
    Closed Accounts Posts: 5,361 ✭✭✭Boskowski


    It's a bit of a mad thing really. I got loaded on my German license not quite 10 years ago when in reality the German procedure and test was on a different planet in terms of quality compared to here. But car insurance quotes seem to be based on 'whatever reason we can find to load'.


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  • #12
    celica00
    Registered Users, Registered Users 2 Posts: 880 ✭✭✭celica00


    I was told on the phone that the insurance would be normally around 60Euro cheaper compared to an irish one (Full EU but non irish).
    Not sure if that varies from person to person or if this is a general kind of amount.


  • #13
    Yuri Checkov
    Closed Accounts Posts: 27 ✭Yuri Checkov


    They have come up with another reason to load/refuse to quote.

    If you have been conscientious enough to change to an Irish licence, they then ask you if you passed your test in Ireland. Select no and a drop down menu appears with the list of EU/EEA states appears. Select the "wrong" one and you are back to square one with a refusal to quote.

    Fcukers!


  • #14
    ardmacha
    Registered Users, Registered Users 2 Posts: 7,476 ✭✭✭ardmacha


    Boskowski wrote: »
    It's a bit of a mad thing really. I got loaded on my German license not quite 10 years ago when in reality the German procedure and test was on a different planet in terms of quality compared to here. But car insurance quotes seem to be based on 'whatever reason we can find to load'.

    And rightly so, fatalities in Germany per billion Km are 44% higher than in Ireland and some of them drive at ridiculous speeds :rolleyes:


  • #15
    Boskowski
    Closed Accounts Posts: 5,361 ✭✭✭Boskowski


    ardmacha wrote: »
    And rightly so, fatalities in Germany per billion Km are 44% higher than in Ireland and some of them drive at ridiculous speeds :rolleyes:

    Interesting, I didn't know that. How would you compare two country's traffic safety records like that? Have you a link? Genuinely interested.


  • #16
    ardmacha
    Registered Users, Registered Users 2 Posts: 7,476 ✭✭✭ardmacha


    Boskowski wrote: »
    Interesting, I didn't know that. How would you compare two country's traffic safety records like that? Have you a link? Genuinely interested.

    http://en.wikipedia.org/wiki/List_of_countries_by_traffic-related_death_rate

    Germany is pretty decent, of course. But things in Estonia and Bulgaria aren't so good, explaining some of the difference in treatment by insurance companies.

    Mind this was 2012 for Ireland, things have disimproved since then.


  • #17
    Yuri Checkov
    Closed Accounts Posts: 27 ✭Yuri Checkov


    Quite.

    It would explain why the Estonian licence was worth feck all when looking for quotes in Ireland.


  • #18
    Sheldons Brain
    Registered Users, Registered Users 2 Posts: 1,394 ✭✭✭Sheldons Brain


    Yuri Checkov wrote: »
    Quite.

    It would explain why the Estonian licence was worth feck all when looking for quotes in Ireland.

    Estonia is interesting. Culturally it has a lot in common with safe Finland, albeit with Russian minority, and it is over 20 years since the Soviets left. It is flat as a pancake, so the roads should not be that bad.


  • #19
    snaps
    Registered Users, Registered Users 2 Posts: 7,138 ✭✭✭snaps


    I had no trouble in Poland getting car insurance with a UK licence, infact PZU gave me a 60% no claims discount if i signed a form to state that id been a safe driver for the 28 years id held it.

    Told me my irish 50% ncb was not needed.

    Another example of the EU freedom and being treated the same is a load of balls, as rules seem to vary so much country to country!


  • #20
    Sheldons Brain
    Registered Users, Registered Users 2 Posts: 1,394 ✭✭✭Sheldons Brain


    snaps wrote: »
    I had no trouble in Poland getting car insurance with a UK licence, infact PZU gave me a 60% no claims discount if i signed a form to state that id been a safe driver for the 28 years id held it.

    Told me my irish 50% ncb was not needed.

    Another example of the EU freedom and being treated the same is a load of balls, as rules seem to vary so much country to country!

    Well not really, you would have no problem getting insurance here with a UK licence either. The point is that insurance companies are not willing to price people from countries with poor safety records.


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