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A guide to motor insurance & FAQ's

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Comments

  • Closed Accounts Posts: 4,882 ✭✭✭Saipanne


    I'm 33 and I've never driven, but I'm finally looking into it. I'm trying to get an idea of the cost of insurance. Lets say for a basic hatchback.

    Would I expect to pay the same as typical first timers, such as teenagers? In other words, will my age be a good factor for me?


  • Registered Users Posts: 477 ✭✭blowin3


    Sorry to be the bearer of bad news. I drove a company car for over 30 years but was not named on policy and had to pay 744e for a 1600cc car recently. So only thing I can hopefully next year it won't cost as much.


  • Closed Accounts Posts: 2,957 ✭✭✭miss no stars


    Saipanne wrote: »
    I'm 33 and I've never driven, but I'm finally looking into it. I'm trying to get an idea of the cost of insurance. Lets say for a basic hatchback.

    Would I expect to pay the same as typical first timers, such as teenagers? In other words, will my age be a good factor for me?

    Probably, yeah. I was on a provisional, my brother on a full license. I was 25, he was 21. It cost an extra €200 to insure me on my mother's car, and I think an extra €900 to insure him. So yeah, your age should come into play big time.

    A 17 year old on a full license in a 1.6 litre car would be paying 4 figures, easily around €1600 a year, that the poster above mentioned insurance for€710 will show you the difference age makes.

    You'll still probably shell out quite a bit, but not as much as an under-25.


  • Registered Users Posts: 156 ✭✭icanmunch


    hey guys, I have been driving for 6 months now. I am currently insured on my mams car with my provisional licence but have just bought a 1.1L car. Will I have any issues getting myself insured on this as I havent got a years driving experience?


  • Registered Users, Registered Users 2 Posts: 13,237 ✭✭✭✭djimi


    icanmunch wrote: »
    hey guys, I have been driving for 6 months now. I am currently insured on my mams car with my provisional licence but have just bought a 1.1L car. Will I have any issues getting myself insured on this as I havent got a years driving experience?

    Shouldnt have any issues getting a quote (assuming you have no claims, points, convictions etc); its whether or not you can afford the price is the issue! Did you not get insurance quotes for the car before you bought it?


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  • Registered Users Posts: 156 ✭✭icanmunch


    thanks djimi. I got a quote for 1 years experience on provisional licence in my mams car (that was lowest experience I could select) I will call chill insurance now and hopefully it wont be too expensive!


  • Registered Users, Registered Users 2 Posts: 13,237 ✭✭✭✭djimi


    Ah okay. Its either a full year or its nothing unfortunately. Probably wont be a huge difference between 0 and 1 years named driving experience.


  • Registered Users, Registered Users 2 Posts: 1,368 ✭✭✭cc87


    Lads, I'm looking at going on my own policy for the first time. 27 years old, full licence for 5 years, 3 years named driver, no claims/penalty points. Car is an 04 1.4 focus. All the quotes I've been getting are around 6/700, I'm guessing I won't get much better will I?

    Problem is it looks like I will have to go through AA to get the 3 years named driver as the first two years, the AA put it with AIG who have since had an unhappy divorce from the AA and are unlikely to give me a letter saying I was a named driver.

    Cheers


  • Closed Accounts Posts: 6,925 ✭✭✭RainyDay


    cc87 wrote: »
    Lads, I'm looking at going on my own policy for the first time. 27 years old, full licence for 5 years, 3 years named driver, no claims/penalty points. Car is an 04 1.4 focus. All the quotes I've been getting are around 6/700, I'm guessing I won't get much better will I?

    Problem is it looks like I will have to go through AA to get the 3 years named driver as the first two years, the AA put it with AIG who have since had an unhappy divorce from the AA and are unlikely to give me a letter saying I was a named driver.

    Cheers

    Submit a data protection request to AIG and you'll get your full history with them for €6.35 fee. They are legally obliged to respond.

    In fact, I doubt if their divorce from AA will stop them giving you your record anyway.


  • Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    cc87 wrote: »
    Lads, I'm looking at going on my own policy for the first time. 27 years old, full licence for 5 years, 3 years named driver, no claims/penalty points. Car is an 04 1.4 focus. All the quotes I've been getting are around 6/700, I'm guessing I won't get much better will I?

    Problem is it looks like I will have to go through AA to get the 3 years named driver as the first two years, the AA put it with AIG who have since had an unhappy divorce from the AA and are unlikely to give me a letter saying I was a named driver.

    Cheers

    Incorrect.

    AA are a brokers and they are legally obliged to get your proof of named driving experience for you. As they were the broker, AIG are legally not allowed engage with you about the policy so its pointless getting on to them.

    Once you have your proof you can go to any insurance company or brokers that will quote you.

    You are not tied to AA in anyway, shape or form.


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  • Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    You have no rights to anything as a named driver under a policy. I'd be surprised if any insurer even spoke to you about the policy. As the contract is with the policyholder, only they can obtain information relating to it. Go down that route.


  • Registered Users, Registered Users 2 Posts: 13,237 ✭✭✭✭djimi


    oldyouth wrote: »
    You have no rights to anything as a named driver under a policy. I'd be surprised if any insurer even spoke to you about the policy. As the contract is with the policyholder, only they can obtain information relating to it. Go down that route.

    Indeed. Data protection and all that would mean (I would have thought) that nobody will speak to you about somebody elses policy, even if you were named on it.


  • Closed Accounts Posts: 6,925 ✭✭✭RainyDay


    djimi wrote: »
    Indeed. Data protection and all that would mean (I would have thought) that nobody will speak to you about somebody elses policy, even if you were named on it.

    Not true. Data Protection and all that means if they hold information about you, they have to give it to you on request.


  • Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    You may be right on the data protection aspect, but if you push that point, they will only be obliged to provide you with the information they have about you on file such as your name, date of birth and licence details. If there are no claims against you on their file, there is NOTHING to provide you with. They are not going to give you anything you can use

    I repeat my earlier advice to get the policyholder to obtain what they can on your behalf


  • Closed Accounts Posts: 6,925 ✭✭✭RainyDay


    oldyouth wrote: »
    You may be right on the data protection aspect, but if you push that point, they will only be obliged to provide you with the information they have about you on file such as your name, date of birth and licence details. If there are no claims against you on their file, there is NOTHING to provide you with. They are not going to give you anything you can use

    I repeat my earlier advice to get the policyholder to obtain what they can on your behalf

    I agree with your advice that the policyholder is the best route, and that both the broker and insurance company will provide the relevant details.

    But the Data Protection thing will work. If you phrase the request to include all claim details, you can show the request with the negative response to prove no claims on file.


  • Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    RainyDay wrote: »
    I agree with your advice that the policyholder is the best route, and that both the broker and insurance company will provide the relevant details.

    But the Data Protection thing will work. If you phrase the request to include all claim details, you can show the request with the negative response to prove no claims on file.

    So in real terms, the request comes in to the insurer to release all details including claims relating to the driver. The response will be

    Dear x

    The details we have on file relating to driver X, including claims, are as follows

    Name; Driver X
    Licence Details; Full EU Licence number 123456789
    Date of Birth; 11/22/33

    Regards,

    Nasty Insurance Company

    I do not think this document will be of any use to a prospective insurer


  • Closed Accounts Posts: 6,925 ✭✭✭RainyDay


    oldyouth wrote: »
    So in real terms, the request comes in to the insurer to release all details including claims relating to the driver. The response will be

    Dear x

    The details we have on file relating to driver X, including claims, are as follows

    Name; Driver X
    Licence Details; Full EU Licence number 123456789
    Date of Birth; 11/22/33

    Regards,

    Nasty Insurance Company

    I do not think this document will be of any use to a prospective insurer

    WHy not?


  • Registered Users, Registered Users 2 Posts: 1,813 ✭✭✭peteb2


    Because it won't state how long they have been a named driver for. Data protection request would only release the info they hold on file about that person. As a result it won't suit the needs of other insurers.

    Why are we all being pedantic about this? He just needs to get the policy holder to ring AA or RSA or whoever the insurer was and have them issue the letter.


  • Closed Accounts Posts: 6,925 ✭✭✭RainyDay


    peteb2 wrote: »
    Because it won't state how long they have been a named driver for.

    Oh yes it will. If they have the information on how long he was a named driver for, they have to produce that information as part of the Data Protection request.


  • Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    You don't seem to be getting the point, in practical terms. There is a standard format for NCB and driving experience letters. If a document was submitted to me, formatted in a data protection type manner, I would refuse it. I would err on the side of caution that something is not right here, if the client cannot go through the standard process of getting the policyholder to provide a letter from his insurer, relating to drivers on his policy. I don't even have to explain my reasons

    The insured is entitled to have a NCB letter provided to him under current industry regulations, a named driver is entitled to nothing (data protection excepted). If you want the benefit of your driving experience recognised by an insurer, get the policyholder to obtain it


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  • Closed Accounts Posts: 6,925 ✭✭✭RainyDay


    oldyouth wrote: »
    You don't seem to be getting the point, in practical terms. There is a standard format for NCB and driving experience letters. If a document was submitted to me, formatted in a data protection type manner, I would refuse it. I would err on the side of caution that something is not right here, if the client cannot go through the standard process of getting the policyholder to provide a letter from his insurer, relating to drivers on his policy. I don't even have to explain my reasons

    The insured is entitled to have a NCB letter provided to him under current industry regulations, a named driver is entitled to nothing (data protection excepted). If you want the benefit of your driving experience recognised by an insurer, get the policyholder to obtain it

    Yes, I get the practical point, and I understand the difficulties that may arise in getting an insurer to accept this format. However, the fact remains that you have a legal entitlement to copy of any information held about you. At a minimum, this can be used in negotiation with any broker or insurer who is reluctant to issue an NCB certificate.


  • Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    RainyDay wrote: »
    At a minimum, this can be used in negotiation with any broker or insurer who is reluctant to issue an NCB certificate.

    Now you're going from discussing a Driving Experience letter to a No Claim Bonus.

    A named driver is not entitled to discuss ANYTHING with an insurer about someone else's policy, let alone negotiate.


  • Closed Accounts Posts: 6,925 ✭✭✭RainyDay


    oldyouth wrote: »
    Now you're going from discussing a Driving Experience letter to a No Claim Bonus.

    A named driver is not entitled to discuss ANYTHING with an insurer about someone else's policy, let alone negotiate.

    Sorry if we're going round in circles, but EVERYONE is entitled to a copy of any data held on them by ANY organisation. That's Data Protection law.

    So yes, a named driver is not entitled to discuss anything with an insurer, but they are entitled to a copy of their records. And they can use that record as proof of their history for other insurers.

    The extent to which other insurers will accept the record, is another matter.


  • Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    We all agreed that ages ago, you just introduced the new subject of a NCB Certificate and I was commenting on that


  • Registered Users, Registered Users 2 Posts: 6,845 ✭✭✭Noccy_Mondy


    Can I get some advice here please. Need to transfer my insurance for Sunday evening. Aviva aren't opened tomorrow. I'm with a broker, but I don't think they are opened either. Aviva say that you can make changes to your policy online, but I don't have the client number they require. Any way to get it transferred by Sunday?


  • Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    Can I get some advice here please. Need to transfer my insurance for Sunday evening. Aviva aren't opened tomorrow. I'm with a broker, but I don't think they are opened either. Aviva say that you can make changes to your policy online, but I don't have the client number they require. Any way to get it transferred by Sunday?

    As you are insured through a broker the company cant take instruction from you anyway. Best bet is to email the brokers with all the details before you need the changes to be made then follow up with a call first thing Monday morning. You will need to be as specific as possible ie the them to the minute what time you want the change to take effect from.


  • Registered Users Posts: 581 ✭✭✭DubVelo


    Grown up (over 30) with no NCB, I was thinking of picking up something cheap to keep the weather off over winter.
    Quiet area, no accidents or points either but from a quick try I'm getting quotes on a 1.0L shopping cart of nearly €900.
    Is this just the kind of shafting I can expect?


  • Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    What type of licence do you have? Are you named on anyone's policy?


  • Registered Users Posts: 581 ✭✭✭DubVelo


    Oh full licence for years, I have a year or two named driver alright and my own policy on the motorbike though I don't suppose that counts.


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  • Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    I would have thought circa €600 on a 1 litre with 2 years proven named driver experience (on a car). The bike insurance wont count for anything


  • Closed Accounts Posts: 2,957 ✭✭✭miss no stars


    oldyouth wrote: »
    I would have thought circa €600 on a 1 litre with 2 years proven named driver experience (on a car). The bike insurance wont count for anything

    That's exactly what I got.


  • Registered Users, Registered Users 2 Posts: 22,507 ✭✭✭✭Esel


    DubVelo wrote: »
    Grown up (over 30) with no NCB, I was thinking of picking up something cheap to keep the weather off over winter.
    Quiet area, no accidents or points either but from a quick try I'm getting quotes on a 1.0L shopping cart of nearly €900.
    Is this just the kind of shafting I can expect?
    DubVelo wrote: »
    Oh full licence for years, I have a year or two named driver alright and my own policy on the motorbike though I don't suppose that counts.
    oldyouth wrote: »
    I would have thought circa €600 on a 1 litre with 2 years proven named driver experience (on a car). The bike insurance wont count for anything
    DubVelo wrote: »
    ...I have a year or two named driver...
    Is it possible that the difference between one year named driver experience and two years named driver experience would be approx €300?

    Not your ornery onager



  • Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    Esel wrote: »
    Is it possible that the difference between one year named driver experience and two years named driver experience would be approx €300?

    Yes, easily. It is not just the additional discount a particular insurer may give, it could be that a competitive company will only quote if you have a minimum of 2 years named driving experience


  • Registered Users Posts: 737 ✭✭✭athlone99


    Hey looking for some help.

    Got my renewal quote the other day, My base premium has doubled. I had an accident and had to make a claim not so long ago and the claim has not been settled yet. i have been hit with an 80% increase due to the claim. I am just wondering is this a standard increase or has anyone been in the same situation and what did there preimum increase by? Any answers would be greatly appreciated.


  • Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    Possibly.

    If you lost a full 5 year bonus thats 50% to 60% increase, general rate increases are prob 5% to 10% and depending on the severity of the claim or if there are outstanding injury claims then they may have applied a claims loading too so an 80% increase is possible though probably pretty harsh.

    Unfortunately as the claim is outstanding you are likely snookered in that no other insurer will take you on.


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  • Registered Users Posts: 393 ✭✭FledNanders


    Got my renewal from 123 yesterday, €100 quid more expensive than last year. Rang them to see why, they said it's because of the amount of claims paid out recently.

    Literally the second I put the phone down I heard a radio ad for 123 bragging about the amount of claims they've paid this year! Marketing department obviously not very on the ball.

    Anyway, anyone recommend anyone to try that's likely to be cheaper? I'm 30, full license, 3 years NCB and no previous claims. 1.5 Almera. Got quoted over 800 from 123.

    Been trying Chill etc but don't find them sites very competitive


  • Closed Accounts Posts: 2,957 ✭✭✭miss no stars


    Get a few quotes from the likes of Axa and AA. Wait for them to ring you back, tell them what the lowest quote was and see what they can do for you. I know I sound like the guy off the no nonsense ad, but that's what I did and it knocked almost €200 off the online price (and threw in some extras). That said, I'd been insured with them for 3 years previously without a sniff of a problem and I paid in full upfront so they probably wanted to keep me as a customer.


  • Closed Accounts Posts: 50 ✭✭Urfa


    Hi there,

    Anyone who can help or advise I'd Really appreciate it.

    I'm freaking out! My car was vandalised recently and set on fire- insurance company wrote it off!

    They are now asking for my penalty point history. I have 2 undisclosed penalty points. I informed them of 2 I had that are since gone. I renewed my insurance with them for several years and have never been asked if I had penalty points. I just seen on my policy that I have no cover if I do not disclose penalty points! Does this mean my claim will not be processed???? Has anyone any experience of this?

    My boyfriends insurance company automatically knew when he had points and me also as I am a name driver! I never thought of telling my insurance company as it never came up and I presumed they knew! Now I'm really worried. I just bought a new car after being informed of a quote for my car which I was happy with. I was badly stuck so bought a car with the expectation that I would be getting my claim in the coming weeks. It is only recently that they have asked for my penalty pt details which is what prompted me to look at my policy re this.

    Any help is much appreciated :(


  • Registered Users, Registered Users 2 Posts: 81 ✭✭ATMatm


    Got my renewal from 123 yesterday, €100 quid more expensive than last year. Rang them to see why, they said it's because of the amount of claims paid out recently.

    Literally the second I put the phone down I heard a radio ad for 123 bragging about the amount of claims they've paid this year! Marketing department obviously not very on the ball.

    Anyway, anyone recommend anyone to try that's likely to be cheaper? I'm 30, full license, 3 years NCB and no previous claims. 1.5 Almera. Got quoted over 800 from 123.

    Been trying Chill etc but don't find them sites very competitive

    The Chill website is dirt. If you get a quote from one of their staff on the phone it's generally much cheaper. I got a policy with AIG that was much better than the one I was quoted on the front page of the site.


  • Registered Users, Registered Users 2 Posts: 17,875 ✭✭✭✭MugMugs


    Urfa wrote: »
    They are now asking for my penalty point history. I have 2 undisclosed penalty points. I informed them of 2 I had that are since gone.

    Please tell me you didn't hold back on your current points?

    The onus is on you to declare points.

    You shouldn't lose your settlement though, two points is nothing really. You'll probably just have an additional premium taken from your settlement.


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  • Registered Users, Registered Users 2 Posts: 12,313 ✭✭✭✭Sam Kade


    I got the renewal today for my son who's a named driver but the main driver of the car, last year it was €1200 renewal is €1870. No claims accidents or penalty points. I only changed him as the main driver for the last 2 months of last years insurance for around €50 and was told that it would be €300 extra for the year which should make it €1500. They are really trying their luck even though I have more insurance with them. Time for shopping around I think.


  • Registered Users Posts: 75 ✭✭Sandypants


    I had my own policies in my name for over 10 yrs and never claimed so I had 10 yrs if not more in no claim bonus's.I went under company insurance for 2 yrs and now want to go back to having a policy under my own name.... But I've been told I can only get quotes with 2 year worth of no claim bonus surely that can't be right??


  • Registered Users, Registered Users 2 Posts: 1,813 ✭✭✭peteb2


    That's right. Your own no claims bonus only lives for 2 years. only thing you could try and do is see if an insurer will take it into account in terms of driving experience. But for that option you can forget online quotes.


  • Registered Users Posts: 2 bizstartup


    Hello
    wondering if someone else has ever had this issue - I am starting a food biz (catering and market trading with a towed mobile food stall) and have been confronted with huge problems trying to get a usage change on my existing motor policy with Liberty. 9 year NCB, comprehensive cover costing me about E300. Was first told they won't cover that, and they would cancel my policy. Went through process of getting rejection letters from other insurers, who also don't cover that kind of use - referred issue to Insurance Ireland who have compelled Liberty to offer me a quote. Advised by them that I will be charged another E2000 on top of current policy and they will reduce my cover to TPFT. ???? what's with the prejudice against market trading? Have been working with a broker on this and he's baffled as well.

    Any advice?

    many thanks in advance.


  • Registered Users, Registered Users 2 Posts: 1,813 ✭✭✭peteb2


    Your motor insurers don't want to get dragged into a public liability claim. You are also looking at class 3 usage as opposed to the basic use you had


  • Registered Users Posts: 2 bizstartup


    Hi Pete
    thanks for your post. We have a separate public liability coverage already secured with...wait for it... Liberty.


  • Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    Contact a brokers mate, they are screwing you over.

    Im presuming you are driving a car at present?

    Best bet is to buy a small van and that will cover you for business use.

    The likes of FBD will cover a mobile catering unit/stall at a reasonable price.


  • Registered Users, Registered Users 2 Posts: 4,681 ✭✭✭bodice ripper


    I don't know if I am asking this in the right place, if so, any help would be appreciated.

    I was insured with Quinn for years, but emigrated in 2011. I haven't been insured since then. Or, I suppose I have, as I rented a car in Ireland a few times in the interim...

    Am I now starting from scratch with no claims?


  • Registered Users, Registered Users 2 Posts: 1,813 ✭✭✭peteb2


    I don't know if I am asking this in the right place, if so, any help would be appreciated.

    I was insured with Quinn for years, but emigrated in 2011. I haven't been insured since then. Or, I suppose I have, as I rented a car in Ireland a few times in the interim...

    Am I now starting from scratch with no claims?

    Yes you are


  • Registered Users, Registered Users 2 Posts: 4,681 ✭✭✭bodice ripper


    peteb2 wrote: »
    Yes you are

    Goddamn.

    Thank you.


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