AON Discount

Dub13

Apparently Aon are now giving 30% discount if you are a named driver on a car insurance policy,The car ins policy doesn't even have to be with AXA (AON's UW's).You can get up to 50% off with AON if the car your insured on is with AXA.

Have to say competition is great.

Oryx

I had heard of this but didnt know the discount was so substantial. Very good news!

yayamark

Dub13 wrote:

Apparently Aon are now giving 30% discount if you are a named driver on a car insurance policy,The car ins policy doesn't even have to be with AXA (AON's UW's).You can get up to 50% off with AON if the car your insured on is with AXA.

Have to say competition is great.

Competition is superb!

have 3 yrs no claims on 00 honda pan

1st year Hibernian €1100
2nd year Hibernian €1000
3rd year Carole Nash €850

This year i heard of a whole load of new companies adeliade ins, Axa etc

Rang up Quinn Direct and they blew me away with

€339:eek:

Could not believe it managed to pay for it out my reg acc rather than my savings

Sean Quinn your a great ma:D

Idleater

and they will give that discount on top of their RoSPA / AON assessment reduction.

fair play to them.

smoc

Eh yeah... I have two words for anyone who drives a motorbike "Quinn Direct"!!

I saved 1,400 Euro this year by switching to them and i've gone from Third party to Third Party Fire and Theft. Although maybe i should have gone fully comp for extra 150 .

Oryx

smoc wrote:

Eh yeah... I have two words for anyone who drives a motorbike "Quinn Direct"!!

I saved 1,400 Euro this year by switching to them and i've gone from Third party to Third Party Fire and Theft. Although maybe i should have gone fully comp for extra 150 .

anyone who has a NCB you mean. Afaik theyre not quoting for new riders.

smoc

KtK wrote:

anyone who has a NCB you mean. Afaik theyre not quoting for new riders.

I wasn aware. Never asked any more questions once they quoted me that. Was Delighted and i'm still on a Provisional (waiting for test over a year now ) too which makes it all the more sweeter

murphaph

It makes one wonder (If Quinn have done their sums right) how much margin the others were making and why did Hibernian leave the market.

KTRIC

I got my renewal quote from Carole Nash and its €810, down €400 from last year !!!, a bit odd if you ask me.

I was quoted €410 by Quinn Direct for the same bike. I think Carole Nash are feeling the pinch now.

nedned

do you still get a breakdown service with Quinn direct

gipi

I think they're all offering breakdown assist now - I got it with AON renewal this year.

Phoned round in April when my insurance was due (1 year biking, 250cc bike, prov licence) and nobody beat my renewal quote from AON (263 euro TPO) - not even Mr Quinn (who wanted double!).

murphaph

I'm still puzzled as to why Hibernian left then, if they were all making such huge margins, why did Hibernian claim they were losing money on bikes? Porkie pies to cover other reasons to do with their own business?

Noelie

I'm shocked at how you guys are getting cheap quotes from quinn, I just rang up and was quoted 680, it's a CBR250, I've Full licence a year and 3 years no claims. Carole Nash are quoting me 380.

Steffano2002

Same story for me...

Got my Carole Nash renewal notice in the post with a quote of €1239 EUR TPO after 1 year no-claim. I thought it was poo because I paid a little over €1300 EUR TPO last year with no no-claim bonus!

So I rang Quinn Direct and they quoted me €712 EUR TPO with pillion (€671 EUR without)! Rang Carole Nash back and told them about this quote and they said they could drop it to around €1050 EUR (so why quote me €1239 EUR I ask?) but no further. I said good bye then...

Fair play to Quinn Direct anyway! AON and Carole Nash are no longer competitive now. I wonder how much margin they were making before Quinn Direct came in to set things straight! Thieving b@st@rds! :mad:

murphaph

I just hope Quinn have done their sums right and don't cause CN/Aon to withdraw, followed by a hike back up in prices. Think I'll ring Quinn for a quote for the laugh. I wonder will they beat my CN classic policy at 380 squid TPFT with european breakdown and just the 50 admin charge to add qualifying 15 year old bikes.....

Here we go.........€1036 for the same cover on just a TDM850. Think I'll stick with CN fellas. It's probably better with Quinn if you have a modern bike as I think I remember getting quotes of 1500 or so from CN for a 12 year old TDM.

I just rang quinn and they wouldnt give me a quote.I'm 27 and I drive a 03 yamaha xvs650 dragstar, 7 years no claims or accidents,no penalty points or anything. Im on a provisional licence,to my shame ive been dodging the test,Ive applied for it and hopefully it will come up before my insurance is up this year.Even so Im still surprised they wouldnt quote me. Im with AON now and they are fairly reasonable at €540 for third party.

colm_c

smoc wrote:

I wasn aware. Never asked any more questions once they quoted me that. Was Delighted and i'm still on a Provisional (waiting for test over a year now ) too which makes it all the more sweeter

What test centre have you applied to? I applied in April (this year) and I'm sitting my test this week.

Kinetic^

Male
24
4 years no claims
Full licence
Suzuki Burgman 125

AON: €812
Quinn Direct: €433

Rang AON and asked them what the story was with reducing their quote so they've to ring me back.

Steffano2002

Kenny 5 wrote:

Male
24
4 years no claims
Full licence
Suzuki Burgman 125

AON: €812
Quinn Direct: €433

Rang AON and asked them what the story was with reducing their quote so they've to ring me back.

I bet you they'll reduce it to around €700 or so. That's about it...

Anyway, thank you Mr. Quinn!

chasm

Female
34
5 years NCD
Full A1
Yamaha sr125
(last year- E399 Comprehensive with aon)

Quotes i received today:
Aon: E327
QD : E334

Thing is, although slightly cheaper, Aon's comprehensive policy does not cover theft if you do not have an alarm fitted. QD "say" they do.

Steffano2002

I think that's why QD are so cheap. They're really good and have great prices until something goes wrong... Then it becomes a nightmare apparently.

I hope I can get a proper Fully Comp. insurance that won't cost me an arm and a leg next year! It's way too expensive with just 1 year NCB. Hopefully with 2 year NCB it should become affordable. Here's hoping...

galwaytt

05 H-D 1450 Road King + 02 Aprilia Atlantic 500. Full A for 20 yrs, full NCB.

Carole Nash - Eur 1106
Aon - Eur 396


jeez, which one will I pick...........???:rolleyes:

Steffano2002

galwaytt wrote:

05 H-D 1450 Road King + 02 Aprilia Atlantic 500. Full A for 20 yrs, full NCB.

Carole Nash - Eur 1106
Aon - Eur 396


jeez, which one will I pick...........???:rolleyes:

Quinn Direct?

Garibaldi

Interesting little aside about QD: If you have two, or more, bikes, as far as they're concerned, the NCB only applies to one of the bikes, and you pay for the rest individually, as if you were a brand new rider. They made me go through the whole usual line of questioning, for about 15 mins, before they told me that little gem. And yes, I did tell them, at the outset, that I wanted to insure two bikes.

Needless to say, I stayed with CN.

galwaytt

QD no good for those of us with more than one machine.

Oh, and another thing, neither QD nor AON allows DOV, either, which CN do.....

DOV = Driving Other Vehicles (sometimes referred to as 3rd party extension....)

Again, if you hang out with people who swap bikes even for a 2 minute jaunt, you're back to a choice of 1.

galwaytt

Update

My friend just got a renewal for his Z500 and his FJ1200. Eur 371
Selling the Z (see my sig), FJ1200 only......Eur 372

That's right - one bike less...........costs more

However, even though it's a classic, to insure the FJ12 on a 'modern' policy instead of a classic, and it is........... Eur 332.

All with CN, and no, I don't get it either.............

Krusty_Clown

galwaytt wrote:

Update

My friend just got a renewal for his Z500 and his FJ1200. Eur 371
Selling the Z (see my sig), FJ1200 only......Eur 372

That's right - one bike less...........costs more

However, even though it's a classic, to insure the FJ12 on a 'modern' policy instead of a classic, and it is........... Eur 332.

All with CN, and no, I don't get it either.............

That's because owning a classic bikes means he's going to be more careful. Without the classic bike, he's obviously going to travel a lot quicker..

Or maybe the theft risk goes up, as the thieves only have the more valuable bike to choose from in his garage?

Couldn't we all add his Z500 to our policies, thereby reducing all of our premiums?
I'm going to add loads of bikes... Now, off to buyandsell.

Noelie

If you were to have two bikes on a Classic policy do both have to be classics? or only one?

Wossack

is the cost the administration difference between a multibike policy and a single bike policy? no idea really though...

murphaph

galwaytt wrote:

QD no good for those of us with more than one machine.

Oh, and another thing, neither QD nor AON allows DOV, either, which CN do.....

DOV = Driving Other Vehicles (sometimes referred to as 3rd party extension....)

Again, if you hang out with people who swap bikes even for a 2 minute jaunt, you're back to a choice of 1.

Oh I didn't know that. Well I'm a swapper too so CN it must be. I'd hate not to be able to hop on my mate's '88 TDR250 and spin around Wexford country lanes on it.

murphaph

Noelie wrote:

If you were to have two bikes on a Classic policy do both have to be classics? or only one?

Both. If you have a non-classic you have to get a separate policy for that. It's Sun Alliance that dictate that end of it.

@Galwaytt, The thing with the Z is interesting. The FJ is obviously a more powerful machine. Perhaps the actuary believes if your mate only has the option of the FJ he's more of an overall risk of accident. I think the same thing happened to me with the addition of an old 250 to a classic policy.

When you think aout the advantages of the CN classic policy it still outweighs most anything on the market for the money, so long as you don't mind the older motors. I was thinkin of an FJ myself actually! Big oul bus.

smoc

Noelie wrote:

I'm shocked at how you guys are getting cheap quotes from quinn, I just rang up and was quoted 680, it's a CBR250, I've Full licence a year and 3 years no claims. Carole Nash are quoting me 380.

Carol Nash basically wont even quote me. they want 3,000 euro and i've 5 years no claims, a grade 2 with Aon's training course - which they dont consider, a full A1 - which they also do not consider for a 250cc (which i think is stupid). I've no penalty points, no nothing. I'm going on 22 as well. For the same quote from QD it was 491 and 1606 from Aon.

I suppose for the majority QD is the cheapest. For the older and bold drivers, Carol Nash and for the beginners - Aon.

galwaytt

all this bartering around is getting like the good 'ol Norwich Union days - i.e., the only reason we bought insurance was because we had to, and we bought the absolute cheapest we could get our hands on, all the other merits which insurance co's are now touting as valuable - NCB, comp, F & T, legal etc etc, are all going out the window.

Krusty - no need to get Buy and Sell..........just buy the Z in my sig.....:D

Noelie

smoc wrote:

Carol Nash basically wont even quote me. they want 3,000 euro and i've 5 years no claims, a grade 2 with Aon's training course - which they dont consider, a full A1 - which they also do not consider for a 250cc (which i think is stupid). I've no penalty points, no nothing. I'm going on 22 as well. For the same quote from QD it was 491 and 1606 from Aon.

I suppose for the majority QD is the cheapest. For the older and bold drivers, Carol Nash and for the beginners - Aon.

Well you need a full A licence to drive anything over a 125cc, so even if Quinn give you insurance you technically won't have a valid licence.

Noelie

Noelie wrote:

Well you need a full A licence to drive anything over a 125cc, so even if Quinn give you insurance you technically won't have a valid licence.

Not true. If the machine comes under the power / weight limit its perfectly legal. You can drive a 1600cc yamaha wildstar on a provisional A licence if you want to and its only group 6 with AON. I myself am on a provisional licence and I drive a 650cc machine.

Wossack

Noelie wrote:

Well you need a full A licence to drive anything over a 125cc, so even if Quinn give you insurance you technically won't have a valid licence.

the restriction is not a restriction on the cc, but rather the power and the power to weight - 25kw, and 0.16kw/kg (from memory )

Noelie

Sorry I'm talking about an A licence in general full or provisional.
Smoc has stated he only has an A1 licence, so i ment he needs an A licence to legally ride a bike over 125cc

According to my licence an A1 licence is limited too <125cc 11kw. so to me that means a bike of less than 125cc and power rating less than 11kw

Steffano2002

Noelie wrote:

According to my licence an A1 licence is limited too <125cc 11kw. so to me that means a bike of less than 125cc and power rating less than 11kw

I agree with the above.

Wavey

Just got insured on my first bike.

Quinn Direct
€929 3rd Party F&T
Prov Licence
125CC
28yrs.

C&N came in at the same price but only for 3rd party.

murphaph

Wossack wrote:

the restriction is not a restriction on the cc, but rather the power and the power to weight - 25kw, and 0.16kw/kg (from memory )

That's incorrect. The law is clear that it's power OR power to weight ratio. Where the confusion creeps in is in the definition of weight. Laden? Gross design or dry? The law doesn't stipulate which one! I pick DGVW which is stamped into my VIN plate as 435Kg.

Wossack

unfortunately the statue reads 'NOT A OR B' (a refering to power, b to power/weight), not just a straight 'OR', so theres the basis for the ambiguity


argued to death on biker.ie here if you wanna gander. Reckon there is enough room to argue one way or the other in court imo, all down to interpretation as usual

murphaph

Wossack wrote:

unfortunately the statue reads 'NOT A OR B' (a refering to power, b to power/weight), not just a straight 'OR', so theres the basis for the ambiguity


argued to death on biker.ie here if you wanna gander. Reckon there is enough room to argue one way or the other in court imo, all down to interpretation as usual

It doesn't read 'NOT A OR B'. It reads "restricted to A OR B" which is a simple 'A OR B' in Boolean. The intention may have been to indicate retsricted to A AND B but that's not what it says. I went and dug up the UK legislation on this a year or more back and it says (the gist anyway) "restricted to A AND B". They also specify the weight and the power as being the manufactuers data sheet details. The section was very long.....compared to the two or three lines in the irish SI which is supposed to implement the same EU directive! It's a very badly written law and until it is amended and clarified, I predict that nobody will be prosecuted for breaking it.

Wossack

Statutory Instrument 705/2004 wrote:

...
restricted to driving only those vehicles in the said category which have a power output not exceeding 25 kW or a power/weight ratio not exceeding 0.16kW/k
...

go either way tbh, but as you said, the ambiguity means I doubt anyone would get prosecuted for it

its funny too, as the restriction as specified for the A1 license reads as:

Statutory Instrument 705/2004 wrote:

Motorcycles with an engine capacity not exceeding 125 cubic centimetres and with a power rating not exceeding 11 kilowatts

Krusty_Clown

On the subject of insurance (rather than licensing :rolleyes:)

Stats: 35yo, Dublin, 5y ncb, 2 pts, full license, comprehensive, bike not garaged, incl. pillion, 05 GS12 (value: 14k), AON grade 2 (or 3, not sure!)
AON (renewal) 1,037 (reduced to 724 euro with car insurance)
Carole Nash - 1,077 euro.
BMW Insurance (Eagle Star) - 879 euro
Quinn Direct - 490 euro.

Hmm... Dilemnas, dilemnas..

babybundy

i wouldnt be too quick to go to quinn cause its like they pull the nubers from the sky the told an aul doll i no the was no vfr on there system and that was only 2 weeks aftergiving me a quote on one

Krusty_Clown

I wrote down the quote reference number. It's valid for 40 days..

Here's their Policy document, and their policy quick facts.