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U21 Car Insurance Headache...

  • 10-05-2009 6:37pm
    #1
    xason1
    Closed Accounts Posts: 12 ✭


    Hi all,

    I'm a soon-to-be 20 y/o motorist seeking both a car and insurance. As I'm originally from the US, I've held a full license since I was 16.5 (although the Quinn have told me over the phone that they will not recognize this... recognizing only the time that I *could have* had a license had I been an Irish license holder (imo, don't really care... but the fact that I haven't had any claims made against my policy is a bit aggravating for #years no claims bonus, etc).

    Quinn also informed me that I can not, as a U21 driver, insure a car that is over 110 HP.. can anyone tell me is this the case with all Irish insurance companies? I had intended to purchase a car that was over 110 HP and will also only be insuring it for about 3 months. Quinn has a €50 cancellation fee, but it's the HP limit that annoys me at the moment with them. If I can get insurance for a car over this HP, can anyone tell me the ballpark price that I should expect? I'm a male,19, no claims against, etc.

    thanks thanks
    (HP=horse power)


Comments

  • #2
    liger
    Registered Users, Registered Users 2 Posts: 756 ✭✭✭liger


    First off, Horse power isnt much help. what make and model and what engine size, or cc as they say for tax and insureance purposes here, is the car?

    If you have a valid no claims bonus some places might accept it. You can drive in ireland from 17 so I cant see what the problem would be.

    All insurers charge cancellation fees in the first year of a policy and most charge for using installements to pay.

    depending on the type of car/cc your looking at hibernian ignition scheme might be worth looking at.


  • #3
    Toots
    Administrators, Business & Finance Moderators, Society & Culture Moderators Posts: 16,957 Admin ✭✭✭✭✭Toots


    As Liger said, the Ignition Course could be worth looking at. If you're a 19 year old male, you're gonna be paying through the nose to insure a higher powered car. A 22 year old friend of mine recently got insured on a 1.8l alfa and the cheapest quote he got was €1800 or thereabouts.

    Have you tried doing a search on the Motors Forum? You might find a few more threads there that would give you some advice. If you like I can move this thread there, it's a higher traffic forum than this one, so you might get more replies than you would here.


  • #4
    xason1
    Closed Accounts Posts: 12 ✭xason1


    Horse power is the only measurement that Quinn go by, so I thought it beneficial to use it. They said that the car I was inquiring about.. a 2.0l/1997 cc vehicle - 1989 merc 190E series (or some other similar model, with a similar engine size.. or a 1.8l) had a HP of something like 133.

    Cancellation fees are really country specific - in Australia for ex, there are non-existent. I'm sure though that there are no companies here that offer the same (if I'm not mistaken?).

    I'll consider other vehicles, but I expect to only be really satisfied with something 1.6+, and hopefully a diesel engine. Have been looking at a few volvo,vw models. The ignition course seems like great stuff, so I'll defo take that into consideration if I do get a 1600cc vehicle - thanks for pointing that out.

    Toots; that would be great if you could move this - I looked for a motoring form but this was the first one I found... thanks. I'll also rifle through those topics and see what I can find (probably another night, as I'm quite busy atm) - hopefully this'll get more exposure to people with different brokers/companies. cheers


  • #5
    Toots
    Administrators, Business & Finance Moderators, Society & Culture Moderators Posts: 16,957 Admin ✭✭✭✭✭Toots


    I'll move it for you now so! TBH, in consideration of your age, anything over 1.6 is gonna cost you. Most Irish young drivers start off on something slightly smaller till they've built up a good NCD and then trade up.


  • #6
    Toots
    Administrators, Business & Finance Moderators, Society & Culture Moderators Posts: 16,957 Admin ✭✭✭✭✭Toots


    Moved to Motors, per OP's request. :)


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  • #7
    Cuddlesworth
    Registered Users, Registered Users 2 Posts: 14,012 ✭✭✭✭Cuddlesworth


    This isn't America, we get pretty bad deals on insurance and really bad deals if you happen to be male and under 25.

    One thing about the above post, did Quinn not also point out that they would only be returning 75% of the money owed to you after cancellation?


  • #8
    chrisp2281
    Registered Users, Registered Users 2 Posts: 127 ✭✭chrisp2281


    The other thing you need to remember is that if you did your test in an automatic car in the states, then you are legally only entitled to a provisional licence over here. It is also common place not to be able to transfer a no claims bonus within countries. You woudl need to to be insured with quinn a couple of years at least before they woudl insure you on a car of that size


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