Irritating Insurance Company!!

El Guapo!

Just have to get this off my chest. Heard great things about 123.ie. Got a great online quote and then decided to ring up and see what the story was. So I went through the whole process of all my details over the phone and everything was looking good, until right at the end I get the question "Occupation?" To which I reply (stupidly) Mechanic. Then a pause...."Oh, sorry we dont insure mechanics". AAARRRRGGGGHHH!!!!:mad:
Why is this?!!!! Its so irritating. I should've said politician or something:rolleyes:

oldyouth

It is beacause too many (not all) mechanics have wrongly been under the impression that they can use the 'driving of other cars' extension to work away at motor trade business.
Even if you are a full time employee of a garage, the assumption is that you will do some private work yourselves. Add in to that the fact mechanics are probably better able to modify cars than most.
Insurance Companies are like sheep. If one makes a decision on something like this, the others assume that they must know something and they all follow suit

El Guapo!

But if they're making stupid assumptions like that then they could also say on the other hand that mechanics are driving cars all day long and could be better drivers than others and also know a lot more about cars so therefore would understand more about the effects of bad driving and its consequences and would be safer drivers because of this.

Mr Benevolent

Just ring up again and tell them you're an accountant.

Eric Cartman

tell them your a computer operator or warehouse worker,

CoDy1

Dean09 wrote: »

But if they're making stupid assumptions like that then they could also say on the other hand that mechanics are driving cars all day long and could be better drivers than others and also know a lot more about cars so therefore would understand more about the effects of bad driving and its consequences and would be safer drivers because of this.

If your driving cars all day long you have more of a chance of having an accident in the insuance compnies eyes.

And don't take some peoples advice here, to lie to them. You wont get a penny in the event of a claim.

niceirishfella

I strongly advise you or anyone to be honest re; your occupation when taking out insurance.
Non-disclosure (if proved and can easily be done so)in the event of an accident/claim will render your policy invalid and you could be left high and dry.

galwaytt

niceirishfella wrote: »

I strongly advise you or anyone to be honest re; your occupation when taking out insurance.
Non-disclosure (if proved and can easily be done so)in the event of an accident/claim will render your policy invalid and you could be left high and dry.

CoDy1 wrote: »

If your driving cars all day long you have more of a chance of having an accident in the insuance compnies eyes.

And don't take some peoples advice here, to lie to them. You wont get a penny in the event of a claim.

I really wish people would stop posting stuff like that. It's like the no licence/no insurance, or no NCT/no insurance thing..........it keeps coming up.

Your policy, once effected, gives you cover. That is irrefutable. If, for some reason (such as false declaration, etc), in the event of a claim - then, under the Road Traffic Act, you have, and are, covered.

Your policy may well be cancelled at that point, but that's it. The policy cannot be 'cancelled in retrospect'.

Separately, and afterwards, the ins may well take you to court if they so wish, to recover any expenses etc, but to say people's insurance is ever 'invalidated' is incorrrect.

galwaytt

OP, sorry for your troubles.

In the same vein, you could argue that the view that some people's occupations make them more susceptible to motor accident claims is horse****. Actually, it is horse****. To suggest an accountant vs a shop worker vs a housewife, for the same given person, changes the risk, is complete nonsense.

Now, a model-train building accountant vs a base-jumping, motorcycle-riding housewife. That's different.

Me, I reckon the wife'd be worth it

dutchcat

Your policy, once effected, gives you cover. That is irrefutable. If, for some reason (such as false declaration, etc), in the event of a claim - then, under the Road Traffic Act, you have, and are, covered.

Your policy may well be cancelled at that point, but that's it. The policy cannot be 'cancelled in retrospect'.

Separately, and afterwards, the ins may well take you to court if they so wish, to recover any expenses etc, but to say people's insurance is ever 'invalidated' is incorrrect.[/quote]
So if you tell them you want cover on a 1.0 charade and what you actually have is a 911 you are covered and they would honour it i dont think so......

niceirishfella

galwaytt wrote: »

I really wish people would stop posting stuff like that. It's like the no licence/no insurance, or no NCT/no insurance thing..........it keeps coming up.

Your policy, once effected, gives you cover. That is irrefutable. If, for some reason (such as false declaration, etc), in the event of a claim - then, under the Road Traffic Act, you have, and are, covered.

Your policy may well be cancelled at that point, but that's it. The policy cannot be 'cancelled in retrospect'.

Separately, and afterwards, the ins may well take you to court if they so wish, to recover any expenses etc, but to say people's insurance is ever 'invalidated' is incorrrect.

and I wish you'd stop posting your horse manure TT, you're wrong.
I'm well advised and experienced in this area.
Anyone reading this - believe as gospel this post/info from this TT or at your peril.
Your insurance will not be cancelled, I never said that, but you're in a minefield where your insurer will consult/invoke their barristers/legal teams and tbh, you don't want to be in that position.

galwaytt

dutchcat wrote: »

So if you tell them you want cover on a 1.0 charade and what you actually have is a 911 you are covered and they would honour it i dont think so......

I never said any such thing. Show me where I said anything remotely approaching that.

niceirishfella wrote: »

and I wish you'd stop posting your horse manure TT, you're wrong.
I'm well advised and experienced in this area.
Anyone reading this - believe as gospel this post/info from this TT or at your peril.
Your insurance will not be cancelled, I never said that, but you're in a minefield where your insurer will consult/invoke their barristers/legal teams and tbh, you don't want to be in that position.

I'll stop as soon as you do. I'm not inexperienced in this area myself, btw, and you're implying your comment is 'gospel'. I pointing out that it is not.

You said the insurance would be invalid. No it won't. The policy will be cancelled from the moment of disclosure/discovery, and they'll tell you so. There is a distinct difference.

For example, if your position was true, every person with an expired licence (as happens a lot....who remembers their 10yr expiry date ??, or their 'expired' Provisional) ... would similarly be uncovered. This is patently not the case.

I already said they would invoke their lawyers/etc, so I'd glad you agree with me on that......

January

galwaytt wrote: »

I really wish people would stop posting stuff like that. It's like the no licence/no insurance, or no NCT/no insurance thing..........it keeps coming up.

Your policy, once effected, gives you cover. That is irrefutable. If, for some reason (such as false declaration, etc), in the event of a claim - then, under the Road Traffic Act, you have, and are, covered.

Your policy may well be cancelled at that point, but that's it. The policy cannot be 'cancelled in retrospect'.

Separately, and afterwards, the ins may well take you to court if they so wish, to recover any expenses etc, but to say people's insurance is ever 'invalidated' is incorrrect.

That may be the case in a third party accident, but if you were to have an accidental damage claim the insurance company may well not pay out if they can prove that you lied about material facts.

bladebrew

what about all the 1.3 glanza`s that are a 1.3 starlet on the log book and which i assume people are insuring as a 1.3 standard starlet when its actually a turbo glanza,(not picking on glanza`s just an example) if they had a crash and the insurance found out they lied what would happen would they pay out??

on the op`s point an insurance company in england had to pull ad`s featuring iggy pop bacause it turned out they refused to insure musicians,and was deemed to be false advertising:)

CoDy1

galwaytt wrote: »

I really wish people would stop posting stuff like that. It's like the no licence/no insurance, or no NCT/no insurance thing..........it keeps coming up.

Your policy, once effected, gives you cover. That is irrefutable. If, for some reason (such as false declaration, etc), in the event of a claim - then, under the Road Traffic Act, you have, and are, covered.

Your policy may well be cancelled at that point, but that's it. The policy cannot be 'cancelled in retrospect'.

Separately, and afterwards, the ins may well take you to court if they so wish, to recover any expenses etc, but to say people's insurance is ever 'invalidated' is incorrrect.

Wait, you wish people would stop posting sensible posts???:rolleyes:

Ok since I work in the industry and I base my post on actual knowledge, whats your problem with my post? His occupation is a material fact to what type of risk he poses in obtaining a quotation.

I'm trying to inform the OP. Your filling him with BS.

CoDy1

bladebrew wrote: »

what about all the 1.3 glanza`s that are a 1.3 starlet on the log book and which i assume people are insuring as a 1.3 standard starlet when its actually a turbo glanza,(not picking on glanza`s just an example) if they had a crash and the insurance found out they lied what would happen would they pay out??

on the op`s point an insurance company in england had to pull ad`s featuring iggy pop bacause it turned out they refused to insure musicians,and was deemed to be false advertising:)

The difference here is that you can get a non-turbo Glanza. As long as you declare that its a turbo or not you'll be fine.

The point is, its your responsibility to declare anything that might be classed as a material fact. i.e something that would influence an insurance company in determining a premium for a paticular risk.

Henry Ford III

Nondisclosure. If a policy of insurance is in place, the 3rd party claim will always be paid. The comprehensive elemnt of the claim will not be paid however, and the insurer will quite righty take whatever steps it deems necessary to recover their 3rd party damages already paid out, from the insured.

They can go after any assets, house etc. Future insurance will also be extremely difficult to obtain.

Del2005

galwaytt wrote: »

I really wish people would stop posting stuff like that. It's like the no licence/no insurance, or no NCT/no insurance thing..........it keeps coming up.

Your policy, once effected, gives you cover. That is irrefutable. If, for some reason (such as false declaration, etc), in the event of a claim - then, under the Road Traffic Act, you have, and are, covered.

Your policy may well be cancelled at that point, but that's it. The policy cannot be 'cancelled in retrospect'.

Separately, and afterwards, the ins may well take you to court if they so wish, to recover any expenses etc, but to say people's insurance is ever 'invalidated' is incorrrect.

So your policy isn't voided. They pay out on any claim against you and then come after you, through the courts, for any money paid out. They have proof that you lied so winning isn't going to happen.

Isn't the whole point of insurance not to have to pay out your self? Sounds to me like you loose anyway, except you don't get done for no insurance by the courts. But do end up possibly broke for the rest of your live and having trouble ever getting reasonable insurance quotes again.

Darragh29

Dean09 wrote: »

Just have to get this off my chest. Heard great things about 123.ie. Got a great online quote and then decided to ring up and see what the story was. So I went through the whole process of all my details over the phone and everything was looking good, until right at the end I get the question "Occupation?" To which I reply (stupidly) Mechanic. Then a pause...."Oh, sorry we dont insure mechanics". AAARRRRGGGGHHH!!!!:mad:
Why is this?!!!! Its so irritating. I should've said politician or something:rolleyes:

This is the kind of petty minded bullsh*t that has us heading for 400K on the dole by the end of the year. Some small minded muppet in a big office has decided that, "we don't insure mechanics". It must be great to be in an industry where you can make up arbitrary bullsh*t rules at an absolute whim.

I personally believe Insurance Companies have this country in bits, everyone looking over their shoulders in case they are sued. This kind of mentality is pure poision to entrepreneurship.

Captain Slow IRL

Dean09 wrote: »

Just have to get this off my chest. Heard great things about 123.ie. Got a great online quote and then decided to ring up and see what the story was. So I went through the whole process of all my details over the phone and everything was looking good, until right at the end I get the question "Occupation?" To which I reply (stupidly) Mechanic. Then a pause...."Oh, sorry we dont insure mechanics". AAARRRRGGGGHHH!!!!:mad:
Why is this?!!!! Its so irritating. I should've said politician or something:rolleyes:

The only insurer's who would quote me were AXA (who I'm currently with) and Hibernian (who I was insure with through Brittons) I'm paying around €500 for fully comp but am not entitled to open drive (duh!)

If you're going getting a policy, declare your occupation - if you're caught out, you're not going to be covered.

L1011

Eric Cartman wrote: »

tell them your a computer operator or warehouse worker,

Computer industry staff get loaded by some insurers for inexplicable reasons (more chance of flipping and driving off a cliff? something like that anyway...)

As a result I now have "medical supplies" down as my occupation - which isn't lying, its just the other interpretation of what I work at.

dudara

Actually a slightly OT question here - my title is Dr (PhD kind) and it's on my driving license. I work as a management consultant - which isn't an option on most insurance forms, but consultant is. Do insurance companies interprey 'consultant' as being the business kind or the medical kind.

BTW - I say 'computer consultant' which is true.

L1011

I would think consultant = medical consultant in their eyes and the Dr. title means that if a human actually looks over the application at all they'd put 2+2 together and get 100... medical doctors are usually insurance loaded due to the stress/hours.

dudara

MYOB wrote: »

I would think consultant = medical consultant in their eyes and the Dr. title means that if a human actually looks over the application at all they'd put 2+2 together and get 100... medical doctors are usually insurance loaded due to the stress/hours.

That's what I reckon too. 'Computer Consultant' it is from now on.

Keith C

Darragh29 wrote: »

This is the kind of petty minded bullsh*t that has us heading for 400K on the dole by the end of the year. Some small minded muppet in a big office has decided that, "we don't insure mechanics". It must be great to be in an industry where you can make up arbitrary bullsh*t rules at an absolute whim.

I personally believe Insurance Companies have this country in bits, everyone looking over their shoulders in case they are sued. This kind of mentality is pure poision to entrepreneurship.

If your a mechanic just get a motor trade policy & get business & social domestic & pleasue use. simple as that people.
Most companies won't take on mechaics cause theres a special product there for you guys.
Instead of ranting read up on the products out there

January

If you say "Computer Consultant" they'll put "IT", which is close.

niceirishfella

adrieanne__x wrote: »

If you say "Computer Consultant" they'll put "IT", which is close.

ahhhh, but sure we are all "cuter" than the insurance co's.......lol:D
until there's a claim.:eek:

Darragh29

Keith C wrote: »

If your a mechanic just get a motor trade policy & get business & social domestic & pleasue use. simple as that people.
Most companies won't take on mechaics cause theres a special product there for you guys.
Instead of ranting read up on the products out there

Great depth of opinion there. A motor trade road risk policy costs 3K a year. Now that's grand if I'm running a garage and have the turnover to cover this overhead. However if I'm working for EP Mooney down in Walkinstown and I live in Ballyfermot and I just want to get to work in the morning, how on earth could I be declined motor insurance on the basis of me working as a mechanic???

If you go abroad to Europe, you'll never see this type of business practice being enforced, EVER. If you want insurance, you just go and buy it, no problem or messing or petty rules. This way of doing business is specific to Ireland. Anywhere else but in this backwards kip, people are competing for your business, they want your business and don't use petty rules to try to put a saddle on you. I genuinely believe this is partically why our economy cannot recover, because this is the mentality we have to deal with so often, stupid petty rules that frustrate people and complicate everything. It's intrasigent and pathethic.

Guy:Incognito

Darragh29 wrote: »

If you go abroad to Europe, you'll never see this type of business practice being enforced, EVER. If you want insurance, you just go and buy it, no problem or messing or petty rules. This way of doing business is specific to Ireland. Anywhere else but in this backwards kip, people are competing for your business, they want your business and don't use petty rules to try to put a saddle on you. I genuinely believe this is partically why our economy cannot recover, because this is the mentality we have to deal with so often, stupid petty rules that frustrate people and complicate everything. It's intrasigent and pathethic.

Big loadings happen in the UK based on occupation. Not sure on Europe but my uncle is an insurance broker in Germany. I'll ask him what the situation is there.l

Keith C

Darragh29 wrote: »

Great depth of opinion there. A motor trade road risk policy costs 3K a year. Now that's grand if I'm running a garage and have the turnover to cover this overhead. However if I'm working for EP Mooney down in Walkinstown and I live in Ballyfermot and I just want to get to work in the morning, how on earth could I be declined motor insurance on the basis of me working as a mechanic???

If you go abroad to Europe, you'll never see this type of business practice being enforced, EVER. If you want insurance, you just go and buy it, no problem or messing or petty rules. This way of doing business is specific to Ireland. Anywhere else but in this backwards kip, people are competing for your business, they want your business and don't use petty rules to try to put a saddle on you. I genuinely believe this is partically why our economy cannot recover, because this is the mentality we have to deal with so often, stupid petty rules that frustrate people and complicate everything. It's intrasigent and pathethic.

Just ask your employer to add you on, be cheaper then getting your own insurance.
When were you quoted €3k!! :eek:
theres a few brokers that specialise in this

http://www.boards.ie/vbulletin/showthread.php?t=2055523957&highlight=audrey&page=2

Darragh29

Keith C wrote: »

Just ask your employer to add you on, be cheaper then getting your own insurance.
When were you quoted €3k!! :eek:

http://www.boards.ie/vbulletin/showthread.php?t=2055523957&highlight=audrey&page=2

When I am the fu*king employer!

Keith C

Darragh29 wrote: »

When I am the fu*king employer!

I meant timewise when were you quoted €3k. In the last year one of the larger insurers has entered the motor trade market & has been quoting keen rates & writing a lot of motor trade business.