Insurance Companies Ireland

SDK

Hi All,
Does anyone know why Motor insurance companies in this country are a bunch of bastards when it comes to insuring cars? Im 23 and I got an insurance quote from AXA for 2900yoyo on an ST170, only to be told today "Sorry we dont insure that unless you're 25 with 5years no claims? why did I get the quote in the 1st place then? I rang up to confirm with them my quote the first time and they said no sorry thats a 2.0 ltr zetec, so I then told them it was an ST170 and then the guy recalculated for the ST and gave me the above quote fully comp, but when I rang today, they told me no, sorry we dont insure that car. I cant get an insurance quote for an ST170 anymore?.....because of the "specifications of this car". The St170 is a 2.0ltr non turbo and is only 170bhp. I have been given quotes on cars with 190bhp+ that arent as new or safe as the ST....does anyone know why they do this to us young drivers? why do we have to have 5 years to prove im a safe driver? why do I have to be over 25 to get this quote? a person could go 5 years no claims and then have an accident on the 6th.....Is it because 25year olds are more mature?? because ive mates that are 25 and they're just like myself!!

Sorry im beginning to rant, but this is head wrecking....anyone had similar problems?

fletch

Sounds like they're hearing ST Focus and thinking of the MkII ST with the 2.5ltr turbo.

Anan1

Everyone has gone through it, myself included. The reason for it, quite simply, is that young male drivers have lots of big accidents.;)

mik_da_man

And a lot of insurers might not have the ST170 on their system as it is a rare enough car.
The closest match may be the ST and they see a 2.5 turbo FWD car :eek:
A big no no

Try FBD or xsdirect

Mik

SDK

Anan1 wrote:

Everyone has gone through it, myself included. The reason for it, quite simply, is that young male drivers have lots of big accidents.;)

A lot of "mature" people have crashes too though. I have never seen a crash involving a young driver, the crashes Ive seen are either mature women or mature men!! Whats the point in having insurance companies if they dont insure us? howcome insurance is cheap for young drivers everywhere else in the EU? what is wrong with this country??? :mad:

mik_da_man

Well the facts are hard to deny.
In reality and in my expierence most crashes involve young male drivers.
And are mainly caused by driving too fast.

skyhighflyer

That said, insurance has in general gone down in the past few years. 4 years ago you wouldn't have gotten 2900 on a 1.6 focus. Could try something a bit smaller for the year.

Also have you tried Britton Insurance or XS direct for a quote?

sonners

its not just young male drivers that they wont insure on 'fast cars'. I'm 23, female and up to 2 months ago was driving a 180bhp Celica-the only company that would quote me for the 3 years I had her was Hibernian and that was only cause I was an existing customer. Everyone else just gave out the line 'its a class A car (insurance wise) and your under 25' none of them would even quote me.

What really confuses me is that I'm now driving a 225bhp TT and I've loads of insurance companies willing to quote me, and their reasonable prices too! The mind Boggles :rolleyes:

SDK

mik_da_man wrote:

Well the facts are hard to deny.
In reality and in my expierence most crashes involve young male drivers.
And are mainly caused by driving too fast.

But im sure young drivers all over the world crash and im sure all mature adults crash too. why dont they setup driving schools and teach us young "dangerous" drivers how to control a car and to teach us how to prevent crashes etc? like this "http://www.mauinews.com/story.aspx?id=30644" we could be thought how to control sliding out and controlling a car properly....rather then 10 and 2, feed the wheel bull****! but if you try 10 and 2 and feeding when the car is sliding out, what chances do you have?

SDK

skyhighflyer wrote:

That said, insurance has in general gone down in the past few years. 4 years ago you wouldn't have gotten 2900 on a 1.6 focus. Could try something a bit smaller for the year.

Also have you tried Britton Insurance or XS direct for a quote?

I got an estimate for 2400yoyo. Interesting. I have the ombudsman on the case with quinn because they messed me around for a month.

SDK

sonners wrote:

its not just young male drivers that they wont insure on 'fast cars'. I'm 23, female and up to 2 months ago was driving a 180bhp Celica-the only company that would quote me for the 3 years I had her was Hibernian and that was only cause I was an existing customer. Everyone else just gave out the line 'its a class A car (insurance wise) and your under 25' none of them would even quote me.

What really confuses me is that I'm now driving a 225bhp TT and I've loads of insurance companies willing to quote me, and their reasonable prices too! The mind Boggles :rolleyes:

Are you still with hibernian? for the TT?

Anan1

SDK wrote:

But im sure young drivers all over the world crash and im sure all mature adults crash too. why dont they setup driving schools and teach us young "dangerous" drivers how to control a car and to teach us how to prevent crashes etc? like this "http://www.mauinews.com/story.aspx?id=30644" we could be thought how to control sliding out and controlling a car properly....rather then 10 and 2, feed the wheel bull****! but if you try 10 and 2 and feeding when the car is sliding out, what chances do you have?

In my personal experience, the reason young male drivers crash more is not due to a lack of skill but rather to a combination of inexperience and risk-taking behaviour. For example, being able to control a car in a slide is well down the list of things one needs to be a safe driver. Things like reading the road ahead, anticipating the actions of others, and taking account of conditions, although perhaps less glamorous, are in fact far more useful in keeping you out of the scenery.

Henry Ford III

Anan1 wrote:

In my personal experience, the reason young male drivers crash more is not due to a lack of skill but rather to a combination of inexperience and risk-taking behaviour. For example, being able to control a car in a slide is well down the list of things one needs to be a safe driver. Things like reading the road ahead, anticipating the actions of others, and taking account of conditions, although perhaps less glamorous, are in fact far more useful in keeping you out of the scenery.

Lack of skill, overconfidence, showing off, excess speed, drink and drugs are all possible factors.

mik_da_man

Anan1 wrote:

In my personal experience, the reason young male drivers crash more is not due to a lack of skill but rather to a combination of inexperience and risk-taking behaviour. For example, being able to control a car in a slide is well down the list of things one needs to be a safe driver. Things like reading the road ahead, anticipating the actions of others, and taking account of conditions, although perhaps less glamorous, are in fact far more useful in keeping you out of the scenery.

Very true espically - reading the road ahead, anticipating the actions of others

This is something which I personally did not know much about when starting to drive and it is really important - it does not matter if you have Michael Schumacher reactions if you can't read the road ahead of you

Mik

sonners

SDK wrote:

Are you still with hibernian? for the TT?

Yeah, like I said I only have it 2 months so I just changed over cars on the policy and I actually got money back!! The Celica was 1400 tpft and the TT is around 1100 fully comp! Makes absolutely no sense, I was checking my insurance before I bought the car as I was afraid they might'nt even renew when my policy was up so was fairly shocked to hear my insurance will actually go down! I queried the girl on the phone and she said it was because the Celica was more popular than the TT. Absolutely ridiculous, what popularity has to do with insurance I'll never know.

I've checked around a few online systems since I bought the TT so I know what kind of money I'll be talking when I go to renew and for once they actually quote me, when I had the Ceilca I always got a message to ring the company and would then be told they could'nt do it.

Keith C

SDK wrote:

But im sure young drivers all over the world crash and im sure all mature adults crash too. why dont they setup driving schools and teach us young "dangerous" drivers how to control a car and to teach us how to prevent crashes etc? like this "http://www.mauinews.com/story.aspx?id=30644" we could be thought how to control sliding out and controlling a car properly....rather then 10 and 2, feed the wheel bull****! but if you try 10 and 2 and feeding when the car is sliding out, what chances do you have?

Insurance is based on risk, younger the male driver & the more powerful the car, the higher the risk.
Insurance companies are like any other business, they're out to make a profit for there shareholders & take on business accordingly.
Why do you need a car with that much BHP, get something smaller.

Keith C

sonners wrote:

I queried the girl on the phone and she said it was because the Celica was more popular than the TT. Absolutely ridiculous, what popularity has to do with insurance I'll never know.

What she meant was they're more popular with young drivers, how many male drivers will pick a TT over a celica?? not very many, hence the higher premium & the stat always thrown up is young male drivers have more accidents. I know ive seen way more people doing doughnuts in a carpark in a celica rather then a TT.

slumped

I was 24 when I insured myself first.

Age 24 - Toyota Corrola Hatch 1.4 - €3100 (prov)
Age 25 - Toyota Corrola Hatch 1.4 - €1900 (full)
Age 26 - BMW 318i 1.8 - €1300
Age 27 - BMW 318i 1.9 - €850

You have to go through it !

S

Keith C

slumped wrote:

I was 24 when I insured myself first.

Age 24 - Toyota Corrola Hatch 1.4 - €3100 (prov)
Age 25 - Toyota Corrola Hatch 1.4 - €1900 (full)
Age 26 - BMW 318i 1.8 - €1300
Age 27 - BMW 318i 1.9 - €850

You have to go through it !

S

Kids nowadays expect everything to be handed on a plate

sonners

Keith C wrote:

What she meant was they're more popular with young drivers, how many male drivers will pick a TT over a celica?? not very many, hence the higher premium & the stat always thrown up is young male drivers have more accidents. I know ive seen way more people doing doughnuts in a carpark in a celica rather then a TT.

Thats fair enough but I dont see how that effects me, given that I'm a young FEMALE driver. I was just showing the op that its not just young MALE drivers that have to pay huge premiums and sometimes even have trouble getting insurance.

I do agree though that the premiums are'nt as bad as they used to be for drivers starting off. Five years ago a 17/18 year old male would have paid anything over 3000 for his car insurance and that was probably on a punto or fiesta or something. Now I hear of fella's giving out that they cant insure cars with 150+ bhp and they may only have Provisional licences! Insurance is only ridiculously expensive if your insuring a higher powered car, which is fair enough.

Like others have said, I started out paying E2800 for my insurance, it only dropped under 1500 this year and I'm on the road four years with a full license, full NCB and no penalty points. Its something all drivers have to go through.

Seth Brundle

Head over to the MIJAG forum - http://www.boards.ie/vbulletin/forumdisplay.php?f=229

Noelie

sonners wrote:

Thats fair enough but I dont see how that effects me, given that I'm a young FEMALE driver. I was just showing the op that its not just young MALE drivers that have to pay huge premiums and sometimes even have trouble getting insurance.

Thats not quite true.

I just done a little test on 123.ie I put in a 28 year old driving a 1.2 Punto worth 12K, exact same details for both male and female all i done was change the sex.
For the Male the quote comes in a 1541, while the cheapest for the Female was 958, which is 33% less for an unproven Female compared to a unproven Male

sonners

Noelie wrote:

Thats not quite true.

I just done a little test on 123.ie I put in a 28 year old driving a 1.2 Punto worth 12K, exact same details for both male and female all i done was change the sex.
For the Male the quote comes in a 1541, while the cheapest for the Female was 958, which is 33% less for an unproven Female compared to a unproven Male

Your test relates to a driver over the age of 25 (that magic number) in a low powered car.

Try insuring a 22 yr old male/female in anything over 170 bhp - you most likely wont even get quoted. I'm just highlighting the fact that its not just young male drivers with these problems. Its ALL young drivers in HIGH-POWERED cars, which in reality is to be expected.

Noelie

I'll still disagree, While insureance may be expensive for both Male and Female in this country. Female always either get it cheaper or get a better deal out of it.

I don't think age should impact on Insurance quote it should be experience. On a Motorbike a full licence is restricted for two years after passing, this should also be the case with a car,

sonners

Noelie wrote:

I'll still disagree, While insureance may be expensive for both Male and Female in this country. Female always either get it cheaper or get a better deal out of it.

I don't think age should impact on Insurance quote it should be experience. On a Motorbike a full licence is restricted for two years after passing, this should also be the case with a car,

Yeah, fair enough, females get it cheaper but its not a walk in the park for us either! The op is a young male trying to insure a high powered car and is understandably having difficulty doing so. What I'm trying to point out is that everyone has difficulty insuring high powered cars.
If you want a fast car, you have to pay big money for insurance
(if your lucky enough to get quoted at all) simple as.

EDIT: with regards to experience over age, I definitely agree with you there. A friend of mine, female, 25, just passed her Provisional theory test, rang to enquire about getting put as named driver on her boyfriends '96 Carina E 1.8 Petrol. The cost: absolutely nothing! She's allowed just get into a 1.8 ltr car and drive away with no cost watsoever. I was shocked to say the least!

I started driving at 18 with a provisonal license and it cost 1800 (on top of what my mam was already paying) to go as named driver on my mam's 1.6 Laguna. I know my friend may be older and wiser but that has no reflection on her driving experience.

Mickk

Try eagle star, they quoted me 1600 on a 230bhp volvo t5 and I am 24 with no ncb... Everyone else said no. The other thing that works is if you are insured on anything (buy a junker for 100 euro) take out insurance on it and them change over they HAVE to quote you. Doesn't matter what you drive, the only thing is they will only tell you the price after you buy it

Anan1

Noelie wrote:

I don't think age should impact on Insurance quote it should be experience.

Age impacts on risk, why wouldn't this be reflected in insurance quotes?

SDK

Keith C wrote:

Kids nowadays expect everything to be handed on a plate

I like to think of myself as a safe driver, but I think we should be trusted more based on our no claims because you can learn a lot in 2 years and I doubt anyones driving skills change after that.

I know 2 people over 25 that only have 1 years no claims with a full license and their insurance is cheaper than someone with 2 years experience driving just because they're younger. Insurance companies should judge by the driver, not the drivers in general! every person is different! they should stop categorizing people based on age.

Anan1

SDK wrote:

I like to think of myself as a safe driver, but I think we should be trusted more based on our no claims because you can learn a lot in 2 years and I doubt anyones driving skills change after that.

Rubbish. I've been driving 20 years, and i'm still learning.

SDK wrote:

Insurance companies should judge by the driver, not the drivers in general! every person is different! they should stop categorizing people based on age.

Do you not understand that younger people represent a higher risk?

Seth Brundle

SDK wrote:

Insurance companies should judge by the driver, not the drivers in general! every person is different! they should stop categorizing people based on age.

Yeah! They should conduct interviews to find the better drivers. :rolleyes:

peasant

German insurance companies publish insurance data for every vehicle available on the market.

Their basic quote takes into account the value of the vehicle, the cost of repair and the likelihood of it getting stolen.

Then they apply some statistical wizzardry and and add or subtract special bonuses for the area in which the vehicle will be mostly driven (cities are usually more expensive than country locations)

At the very end they take a look a t the driver: A beginner pays 175% of the quote. Over the years, by not having a claim you can work yourself down to as low as 40 or 30 % in steps of 25% in the beginning and 5% near the end.

If you have a claim, you premium goes up by one to four steps, depending on the amount on the claim.


The main difference between insurance companies then are special incentives for garaged vehicles, women drivers, etc and different additional services like breakdown cover etc


I think that is a much fairer system than the "straight from the air" figures that get applied in Ireland.

SDK

Anan1 wrote:

Rubbish. I've been driving 20 years, and i'm still learning.


Do you not understand that younger people represent a higher risk?

you're driving 20 years and you're still learning? and you're still on the road?

I'm sorry to sound like an ignorant young bastard...but if it takes you 20 years to learn how to drive then you shoudnt be on the road.

SDK

kbannon wrote:

Yeah! They should conduct interviews to find the better drivers. :rolleyes:

if you go for a job, do they not test you on how capable you are? or do they take your word of experience for granted?

youve got the right idea...im 23 and i tell ppl that are 25-35 what they need to do.......does that mean that i shud be paid less because im younger? and more experienced? bull****!

Henry Ford III

I reckon a 23 year old in a 2 litre car with 170bhp is always going to be fleeced on insurance.

I had a Focus ST lat year (I miss that car) and paid less than €1000 to insure it comp. incl. full ncb protection.

I'm a tad more mature (in years at least) than you however.

skyhighflyer

SDK wrote:

you're driving 20 years and you're still learning? and you're still on the road?

I'm sorry to sound like an ignorant young bastard...but if it takes you 20 years to learn how to drive then you shoudnt be on the road.

+1

Marcus.Aurelius

Weird posts here, my son is 23, has his license 2 years, one year claims free driving on his own policy. He's driving my old 94 Lexus LS400 for €1800 with Quinn-Direct.

What I do remember, is that your location will ultimately define your premium after your age and the car's specs. If he lived in D10, it would cost him over €2500.

At any rate, why are you driving such a new and expensive car? My son has a car with more power and more comfort than a Focus could deliver, and he's paying small money for his insurance compared to you.

Where's the logic in your reasoning? The Lexus needs the engine (240 bhp), its a big car, but the teeny focus doesn't need 170 bhp!

SDK

maoleary wrote:

Weird posts here, my son is 23, has his license 2 years, one year claims free driving on his own policy. He's driving my old 94 Lexus LS400 for €1800 with Quinn-Direct.

What I do remember, is that your location will ultimately define your premium after your age and the car's specs. If he lived in D10, it would cost him over €2500.

At any rate, why are you driving such a new and expensive car? My son has a car with more power and more comfort than a Focus could deliver, and he's paying small money for his insurance compared to you.

Where's the logic in your reasoning? The Lexus needs the engine (240 bhp), its a big car, but the teeny focus doesn't need 170 bhp!

The reasons are:
1)The ST focus has a nice body and wheels..
2)ST has leather seats, traction controls, A/C is much more luxurious than my current focus
3)It is a very rare car to be seen in this country, not many people have it.
4)I work hard at my job and Im only young once, I can afford to do this and have no important things to be paying for at the moment...IE kids and mortgage etc!
5)why not?

This car is only 30mph faster then my current car and gets 0-60 in half the time. It has more airbags and has traction conrtol and ABS! So I dont understand how they wont insure me in it as its a non-turbo/supercharged. Its much safer then most cars insured on this road.

Its all to do with responsbility. If you are a good driver or not. I want to get it because its the only nice focus other than the RS or ST220.

Wossack

SDK wrote:

you're driving 20 years and you're still learning? and you're still on the road?

I'm sorry to sound like an ignorant young bastard...but if it takes you 20 years to learn how to drive then you shoudnt be on the road.

I think people who think since you've past your test you've nothing more to learn shouldnt be on the road.

Nevyn

The test does not cover driving on motorways,
how to merge with traffic when coming down an on ramp,
how to correctly over take at 70 miles per hour, what lane should be used ect
and it is not taught in driving lessons.

Keith C

peasant wrote:

German insurance companies publish insurance data for every vehicle available on the market.

Their basic quote takes into account the value of the vehicle, the cost of repair and the likelihood of it getting stolen.

Then they apply some statistical wizzardry and and add or subtract special bonuses for the area in which the vehicle will be mostly driven (cities are usually more expensive than country locations)

At the very end they take a look a t the driver: A beginner pays 175% of the quote. Over the years, by not having a claim you can work yourself down to as low as 40 or 30 % in steps of 25% in the beginning and 5% near the end.

If you have a claim, you premium goes up by one to four steps, depending on the amount on the claim.


The main difference between insurance companies then are special incentives for garaged vehicles, women drivers, etc and different additional services like breakdown cover etc


I think that is a much fairer system than the "straight from the air" figures that get applied in Ireland.

Thats the way its worked here as well, I know that Dublin Insurance with certain companies is cheaper then meath or kildrare. Reason being that a lot of people commute from, for e.g, Kidare to Dublin (urban sprawl) & that the chances of having an accident is higher if your traveling to dublin from kildare as your travleing a longer distance. Therefor insurance is cheaper in Dublin.

Keith C

SDK wrote:

This car is only 30mph faster then my current car and gets 0-60 in half the time.

Comments like that are the reason insurance is high for young drivers on high powered cars :rolleyes:

Henry Ford III

SDK wrote:

The reasons are:
1)The ST focus has a nice body and wheels..
2)ST has leather seats, traction controls, A/C is much more luxurious than my current focus
3)It is a very rare car to be seen in this country, not many people have it.
4)I work hard at my job and Im only young once, I can afford to do this and have no important things to be paying for at the moment...IE kids and mortgage etc!
5)why not?

This car is only 30mph faster then my current car and gets 0-60 in half the time. It has more airbags and has traction conrtol and ABS! So I dont understand how they wont insure me in it as its a non-turbo/supercharged. Its much safer then most cars insured on this road.

Its all to do with responsbility. If you are a good driver or not. I want to get it because its the only nice focus other than the RS or ST220.

I feel your pain. We were all your age at one point, and the choice is either pay through the nose for (relatively) high performance, or compromise and pay less.

For what it's worth a new or newish Focus Titanium will have most/all of the kit you are after, with a 115bhp VVT 1.6 engine. This is more than adequate for Irish roads imho.

p.s. The latest Focus ST (2522cc turbo 5 cylinder) is by some distance the most desirable of the range to date. A mountain of torque, a wonderful engine note, glorious Recaro seats, and sensational handling. Nice ride comfort too for a sporty car. The Mk.1 RS is tremendously harsh suspension wise, and the active diff. is a bit of a pain.

SDK

Keith C wrote:

Thats the way its worked here as well, I know that Dublin Insurance with certain companies is cheaper then meath or kildrare. Reason being that a lot of people commute from, for e.g, Kidare to Dublin (urban sprawl) & that the chances of having an accident is higher if your traveling to dublin from kildare as your travleing a longer distance. Therefor insurance is cheaper in Dublin.

When I got my first renewal quote from Quinn direct last year, their "Best" renewal price they could give me was 2200, which I thought was ok considering my first quote was 3200. So I went to their website the next day and ended up getting 600-700 euro off that renewal quote. So I rang them and they gave the quote to me, because I'd found them out. Whats the deal with that? thats not right, how can they try pull the wool over my eyes? I thought the site was broke, but for a few days after that I did a few more quotes and got around the same.

sneakyST

SDK wrote:

When I got my first renewal quote from Quinn direct last year, their "Best" renewal price they could give me was 2200, which I thought was ok considering my first quote was 3200. So I went to their website the next day and ended up getting 600-700 euro off that renewal quote. So I rang them and they gave the quote to me, because I'd found them out. Whats the deal with that? thats not right, how can they try pull the wool over my eyes? I thought the site was broke, but for a few days after that I did a few more quotes and got around the same.

I had the same thing SDK - my renewal quote was 1400 from AXA so i haggled on the phone and they said ok 900. Then they revealed that my wife had been named on the policy for the past year unknown to me who has a prov license (transferred from previous policy when they said in the first place she couldnt be on it) so i said take her off to reduce the premium. "No the premium goes up when she is taken off sir" was the reply. Bizzare. Ended up with Eagle Star for 700. Car is Focus ST 2.5 btw

_Kaiser_

SDK wrote:

When I got my first renewal quote from Quinn direct last year, their "Best" renewal price they could give me was 2200, which I thought was ok considering my first quote was 3200. So I went to their website the next day and ended up getting 600-700 euro off that renewal quote. So I rang them and they gave the quote to me, because I'd found them out. Whats the deal with that? thats not right, how can they try pull the wool over my eyes? I thought the site was broke, but for a few days after that I did a few more quotes and got around the same.

From what I've learned, insurance companies will "chance their arm" with the first renewal quote they offer you on the basis that a lot of people will just pay it to save the hassle of having to shop around - ie: most people are lazy so end up paying more for it! :rolleyes:

SDK

sneakyST wrote:

I had the same thing SDK - my renewal quote was 1400 from AXA so i haggled on the phone and they said ok 900. Then they revealed that my wife had been named on the policy for the past year unknown to me who has a prov license (transferred from previous policy when they said in the first place she couldnt be on it) so i said take her off to reduce the premium. "No the premium goes up when she is taken off sir" was the reply. Bizzare. Ended up with Eagle Star for 700. Car is Focus ST 2.5 btw

Quinn direct screwed me around. I seen an ad on carzone.ie for the ST170 and the ad underneath saying to ring quinn for a quote on this vehicle and so I did, only to be told no Quinn dont insure this particular model...so I emailed them and asked them if they could maybe have another look and make me an offer (as they are currently my insurer). They replied back asking details for my account number etc. So I sent them...they replied back asking about the year, they then emailed back when I replied with the year and told me to call to "Complete the quote", so I did and when I called I was told "sorry, we dont insure this vehicle"....So I emailed back asking what the story was? and why I was told to call if they werent going to insure me? and so I was told to call up again and talk to customer support and they would complete the quotation...so I rang up and the customer service agent knew what it was about etc....then he just says "sorry we dont insure that vehicle"......deja vu I thought, havent we been here before? wtf is goin on? why cant they just say in the first email, they wont insure me. They were stringing me along and when I asked in the end of it all, why I couldnt get a quote they replied "because of the specifications of the vehicle"...ridiculous

Stark

Yeah I had the same experience when I asked them did they offer a discount for passing an IAM test. Got an e-mail back after 2-3 days asking me for my account details. "Great, I thought, they're going to calculate how much of a discount to offer". Got a reply back another 2-3 days later saying "Sorry we don't". Like why the **** couldn't they just say that without the hassle of asking for account details?

Atomic Pineapple

quinn will quote me on an integra type-r 189bhp but wont insure me on the st170 either, they dont make much sense at all

Anan1

SDK wrote:

you're driving 20 years and you're still learning? and you're still on the road?

I'm sorry to sound like an ignorant young bastard...but if it takes you 20 years to learn how to drive then you shoudnt be on the road.

skyhighflyer wrote:

+1

You don't sound like a bastard, but your youth & ignorance are pretty clear. I have 20 years of claim-free driving experience and an IAM license, and I am aware that I don't know it all. You've been driving two years and you think that you have nothing more to learn about driving. This, my friend, is why you are paying three times as much for insurance on a 2.0 as I pay on a 4.2.;)

SDK

Anan1 wrote:

You don't sound like a bastard, but your youth & ignorance are pretty clear. I have 20 years of claim-free driving experience and an IAM license, and I am aware that I don't know it all. You've been driving two years and you think that you have nothing more to learn about driving. This, my friend, is why you are paying three times as much for insurance on a 2.0 as I pay on a 4.2.;)

LOL wow I never once said Ive nothing more to learn, you just assumed that. As the saying goes "everyday is a school day" I said they should give us clean drivers a break and not stick us all in the same category. I think age shouldnt have anything to do with it. BUT it cant take you 20 years to learn how to drive, if you have 20 years and IAM license then you are a very very good driver....but I think you're going over board saying you're still learning, maybe you're still shaking off the bad habits in driving...you're looking at my posts and thinking "would ye look at this young buck eh? saying he knows it all after 2 years driving", but thats not what I'm saying....Im wondering why we get shafted for insurance? in fact why are we getting shafted on everything in this country. It would be different if I had points on my license or had claimed, but I havent and all those insurance companies are making huge profits off us. They chance their arms with insurance quotes sometimes and being 23 shouldnt have anything to do with it.

draffodx wrote:

quinn will quote me on an integra type-r 189bhp but wont insure me on the st170 either, they dont make much sense at all

Yeah I got a quote on a Starlet glanza V 190bhp for 1100 with quinn. what do they have against the ST?

Atomic Pineapple

SDK wrote:

Yeah I got a quote on a Starlet glanza V 190bhp for 1100 with quinn. what do they have against the ST?

I think its black marked as its seen as a hot hatch, its not actually that hot though, i seen a lovely black one for sale and pretty much had it bought until i rang up looking for a quote was very dissappointed to say the least.