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Car Insurance Woes

  • 24-08-2009 4:35pm
    #1
    Lizzykins
    Closed Accounts Posts: 637 ✭✭✭


    I'm not expecting much consolation here but here goes. I've had car insurance for the last 18 plus years,no penalty points, and never any claims against me.
    Last year I put my 19 year old son on the policy with me and we got a decent deal from Axa of €800 for the two of us and my husband.
    In November a dog ran full tilt into the wing of the car and caused €800 odd worth of damage to the car which I had repaired through the insurance company. I stood to lose 20% of my no claims bonus which I thought I could live with.
    Today I got the renewal quote and it's €1959!!! I've phoned Axa and Insure.ie who are the brokers. No joy from them at all. Axa even went through a new quote with me bypassing the broker and it was €2400!!!
    I've tried a few online sites and they won't quote me due to the claim.
    Anyone ever been in the same boat? Any advice?


Comments

  • #2
    Toots
    Administrators, Business & Finance Moderators, Society & Culture Moderators Posts: 16,957 Admin ✭✭✭✭✭Toots


    Moved to Motors, it's probably better suited here.


  • #3
    CoDy1
    Registered Users, Registered Users 2 Posts: 1,637 ✭✭✭CoDy1


    See what the quote would be with a full bonus and with no claim, if there is big difference on last years quote, you can buy back your NCB by paying Axa back the €800.

    €800 + new quote should be a lot cheaper than €1959.


  • #4
    Lizzykins
    Closed Accounts Posts: 637 ✭✭✭Lizzykins


    Great thanks for that. I went onto the Quinn Direct site and they ask in detail how much the claim was for and circumstances. If I leave the 19 year old off the policy I can get cover for 352 which is very competitive.


  • #5
    helimachoptor
    Moderators, Science, Health & Environment Moderators Posts: 21,693 Mod ✭✭✭✭helimachoptor


    OP try britton insurance


  • #6
    cabrwab
    Closed Accounts Posts: 2,269 ✭✭✭cabrwab


    As cruel and all as it is to ask, you know the dog owner is liable to pay for the damage to your car.

    There was a thread on this awhile ago, i take it there was no contact detail etc on the dog.

    You have me worried about what is coming my way anyway next year!


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  • #7
    BeardyGit
    Closed Accounts Posts: 3,946 ✭✭✭BeardyGit


    Sod the dog. If you can leave your 19 year old off the insurance and get a quote for 352, that's the option to take. You might do okay if you take that policy, then ask to have your nipper added after the fact, but it's a chance I guess you'd have to take on it....


  • #8
    ChristyCent
    Closed Accounts Posts: 162 ✭✭ChristyCent


    The loadings for under 25 males is disgusting. Im 19 with 2 years no claims and a full licene the last year and its costing me almost 50 more for third party then its costing my girlfriend fully comp and shes never drove before


  • #9
    Savage Tyrant
    Registered Users, Registered Users 2 Posts: 3,165 ✭✭✭Savage Tyrant


    ChristyCent wrote: »
    The loadings for under 25 males is disgusting. Im 9 with 2 years no claims and a full licene the last year and its costing me almost 50 more for third party then its costing my girlfriend fully comp and shes never drove before

    You're 9?..With 2 years NCB?...AND a Girlfriend??...Awesome!...Puts your mates BMX to shame...

    Sorry! lol


  • #10
    ChristyCent
    Closed Accounts Posts: 162 ✭✭ChristyCent


    Savage Tyrant wrote: »
    You're 9?..With 2 years NCB?...AND a Girlfriend??...Awesome!...Puts your mates BMX to shame...

    Sorry! lol

    I was going to reply and say something smart but you made me laugh so I'll allow it lol


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