No nonsense car insurance

Trhiggy83

Are insurance companies allowed charge you this amount for any changes to your policy.

'We will apply an administration charge of €25 for any amendment you make to your Policy or any request for duplicate documentation.'

Im just sick of dealing with this lot as they are money grabbing all the time and there business model is out to decieve people. I had to make a claim recently and it was hell trying to prove the correct value for the car off them. I had to wait two months to get paid and they tried to dicredit everything i sent to them even though i clearly knew the value of the car whic proved right in the end. Just a note to posters, stay well away because if you have to claim its absolute torture believe me. They will say anything to you in order to undervalue your car and the are so ignorant they wont admit when they are wrong.

Now im buying another car and all the operator wanted to tell me was have your lazer card ready because we are going to charge you 25 euro for changing the car license plate number.

Im not one to discredit companies but from my experiances so far stay well away from these as they dont care about customer service or even basic curtousy and there mission is to decieve people

I wont be renewing next year with them, i never wrote up about this whilst i was still claiming as it was na ongoing issue and i didnt want it all over boards but they really did try to rip me off with what they valued my car at.

Also they told me that i could not claim more than what i had valued the car at in my estimation- Does anyone know is there any leagal basis for this as i wasnt aware that this was the case and it seems grossly unfair as i tried to geuss the market value at the time but realised later when i was claiming it was worth more.
Rant over

andyseadog

most major companies seem to do it now alright. i've seen people kick up a fuss and get it knocked off before, that would be my advice

edit : also as a general rule, they will try to undercut your cars value by about 10%, be prepared to draw blood from a stone if you want to argue for more.

Trhiggy83

andyseadog wrote: »

most major companies seem to do it now alright. i've seen people kick up a fuss and get it knocked off before, that would be my advice

Ya i think ill argue my case as i downgraded from a 2l to a 1.3 for the last few months so saved them monet there by not asking for a partial refund. But they were animalls to deal with to be honest, no lying now but i wasnt going to let them walk all over me cos i knew they were taking the mick. It was so obvious what they were at that it really annoyed me.

Trhiggy83

andyseadog wrote: »

most major companies seem to do it now alright. i've seen people kick up a fuss and get it knocked off before, that would be my advice

edit : also as a general rule, they will try to undercut your cars value by about 10%, be prepared to draw blood from a stone if you want to argue for more.

They undercut the value of my car by 10% at the very minimum, closer to 20% id say. Not a good word to say about them. The dont care either, pig ignorant and dont admit when they are wrong even when you present all the facts to them over and over again. It was blatantly obvious i was right and they would not move on there valuation. Eventually got it resolved but it wasnt pretty - Plenty of correspondance (i mean plenty)

andyseadog

see im young so my arguement always sounds better with companys... "i've spent over 8 grand with you the last 3 years, you cant charge 25 euro for that" etc.

but just be a total whinger, ive been with you 'x' long, and spent 'x' much and im really considering not renewing with you, ****ty customer service, this 25 is the final straw, what can you do for me :P

what is the car in question do you mind me asking?

biko

They're not your friends. They're there to make money and to get as much money from you as possible.
Switch to another company that doesn't charge the same, it's the only way they'll listen.

Trhiggy83

andyseadog wrote: »

see im young so my arguement always sounds better with companys... "i've spent over 8 grand with you the last 3 years, you cant charge 25 euro for that" etc.

but just be a total whinger, ive been with you 'x' long, and spent 'x' much and im really considering not renewing with you, ****ty customer service, this 25 is the final straw, what can you do for me :P

what is the car in question do you mind me asking?

its a bmw 320cd (05). Its not the 25 euro its the fact that the principle of it. The first thing the operator said to me was have the laser card ready which really annoyed me after the battle i have had with them over the last two months.

andyseadog

Trhiggy83 wrote: »

its a bmw 320cd (05). Its not the 25 euro its the fact that the principle of it. The first thing the operator said to me was have the laser card ready which really annoyed me after the battle i have had with them over the last two months.

oh i understand that, but it feels good to beat the system

i take it you were shopping around with their original settlement offer and realised you couldnt pick up a similar car in that price range? or did it not get that far?

They're not your friends. They're there to make money and to get as much money from you as possible.
Switch to another company that doesn't charge the same, it's the only way they'll listen.

this guy is spot on

johnos1984

Trhiggy83 wrote: »

its a bmw 320cd (05). Its not the 25 euro its the fact that the principle of it. The first thing the operator said to me was have the laser card ready which really annoyed me after the battle i have had with them over the last two months.

Brokers FTW in my experience.

Nice to deal with, have always been cheaper and happy to sort everything out when it needs to be done.

The price is the price and I've often been refunded money when I change car or given lots of time to pay when I have to pay more (I live away from home)

Trhiggy83

biko wrote: »

They're not your friends. They're there to make money and to get as much money from you as possible.
Switch to another company that doesn't charge the same, it's the only way they'll listen.

I found that out but like i said, when i proved them wrong they would not acknowledge it. I have to say it opened my eyes because they knew they were wrong yet would not move on their estimation. Thats what really got to me. They only had one thing in mind regardless of what was said. This should not be the case. Im glad to say i got what i was looking for in the end but not without one hell of a battle - 2 months of phone calls and emails and letters, all for 1.5k of a differance.

Trhiggy83

andyseadog wrote: »

oh i understand that, but it feels good to beat the system

i take it you were shopping around with their original settlement offer and realised you couldnt pick up a similar car in that price range? or did it not get that far?



this guy is spot on

It was blatantly obvious that i couldnt replace the car with what they were offering, thats why it annoyed me so much. They knew they were wrong but would not change their stance which really got to me.

This went on for two months believe it or not and everytime i asked them to show me where i could get the car for what they valued it at.They never found one

andyseadog

well, seeing as you got what you wanted in the end, id chalk it up to experience, and take every opertunity in the future to give them a bad review.

Brokers are great though, i spend 3 years being ridden by quinn, i tried my local broker and the price literally halved and customer service far more 'personal' if that makes sense, you feel a valued customer, not a number in a file.

ive never made a claim (thank God) so cant comment that way

johnos1984

andyseadog wrote: »

ive never made a claim (thank God) so cant comment that way

I have, there was no issue.

Good service and even got a call to check if I was ok

Trhiggy83

andyseadog wrote: »

well, seeing as you got what you wanted in the end, id chalk it up to experience, and take every opertunity in the future to give them a bad review.

Brokers are great though, i spend 3 years being ridden by quinn, i tried my local broker and the price literally halved and customer service far more 'personal' if that makes sense, you feel a valued customer, not a number in a file.

ive never made a claim (thank God) so cant comment that way

Im not usually into slating companies but i believe they deserve what i said above. They knew they were wrong yet persisted with the same arguments over and over. Its definately experiance but if you feel like you are being ripped off then more than likely you are. They got my car independantly valued by car assessors, only after discrediting the first two valuations they knew i wasnt going away.

Trhiggy83

johnos1984 wrote: »

I have, there was no issue.

Good service and even got a call to check if I was ok

Was it with no nonsense - were you happy with what they offered you first time?

andyseadog

johnos1984 wrote: »

I have, there was no issue.

Good service and even got a call to check if I was ok

from a broker i take it?

Trhiggy83

andyseadog wrote: »

from a broker i take it?

what broker are you with for future referance, might try them when i have to renew

johnos1984

andyseadog wrote: »

from a broker i take it?

Ya from a broker

johnos1984

Trhiggy83 wrote: »

what broker are you with for future referance, might try them when i have to renew

Valette and Kennedy Insurance Nenagh Co.Tipperary

I deal with Freddie Valette

Nenver had any issue with them and they have always under cut everyone......even when I've had an at fault accident

andyseadog

its a small independent broker in Arklow, Travers and Co. great people. 0402-32204

the last 2 years, they have been at least 500 cheaper than my next nearest quote, and i still get all the goodies (breakdown cover, windscreen cover etc.)

couldnt rate them high enough!

Trhiggy83

andyseadog wrote: »

its a small independent broker in Arklow, Travers and Co. great people. 0402-32204

the last 2 years, they have been at least 500 cheaper than my next nearest quote, and i still get all the goodies (breakdown cover, windscreen cover etc.)

couldnt rate them high enough!

Cheers ill give them a buzz when the time comes. Thats my rant over anyway

Hope i save a few people the grief at least

Trhiggy83

johnos1984 wrote: »

Valette and Kennedy Insurance Nenagh Co.Tipperary

I deal with Freddie Valette

Nenver had any issue with them and they have always under cut everyone......even when I've had an at fault accident

cheers, ill keep them in mind

Trhiggy83

Had an other episode with no nonsense the other day even after starting this thread. Basically i rang them up trying change over my insurance to an english reg car cos i was buying in the uk. I rang them the day before i went to the uk and told them i dont think i will be able to ring the 1850 number from abroad on the day. So i asked for another number, they then said thats their only number sorry but we cant do anymore. So i said fair enough i didnt think any more of it until when i was picking up the car.

So i went to the UK friday, picked the car up and then tried ringing them, but of course couldnt get through after trying several differant ways round it (skype, operators etc but no joy). I even got a friend to ring them to ask them to ring me but they refused and were ignorant on the phone to him.

I could not change the insurance the day before because i had to drive home from work in the car i currently have, I would have done it that way if i could. I could only insure the car whilst i was in the uk as i needed cover on my other car up until then if that makes sense.

They are absolutely useless though and their customer care is appalling. I explained the situation the day before yet they could not give me an alternative number. I thought this was ridiculious. My friend said they really ignorant to him when he rang them on the phone.

Im gonna ring them monday and question their policy, how does anyone transfer insurance whilst in the UK if you cant get through to them directly. I eventually rang FBD who are their underwiters and they transfered me no hassle and i got it sorted.

Im gonna complain to them monday though cos someone is not doing their job properly.

Hector Mildew

Trhiggy83 wrote: »

Had an other episode with no nonsense the other day even after starting this thread.

They are absolutely useless though and their customer care is appalling. .

Sounds like false advertising, after seeing they're ads I'm surprised that they seem to be everything they say they're not.

sean1141

try chill.ie for insurance. i found them very helpfull and friendly when taking out my policy. never had to make a claim or a change to my policy but i think most companies and brokers charge for any change in paperwork now. my mam had to give an extra 30 euro to remove my dads name from her policy when she was renewing the other day!

Trhiggy83

Hector Mildew wrote: »

Sounds like false advertising, after seeing they're ads I'm surprised that they seem to be everything they say they're not.

Dont get me started on them, i have dealt with them a lot in the last few months. They have lost all credibility with me after the dealings i have had with them. I will be reporting their customer service to their management because their customer service was appalling. Totally unhelpful and unwilling to help imo.

Seweryn

Trhiggy83 wrote: »

They undercut the value of my car by 10% at the very minimum, closer to 20% id say. Not a good word to say about them. The dont care either, pig ignorant and dont admit when they are wrong even when you present all the facts to them over and over again. It was blatantly obvious i was right and they would not move on there valuation. Eventually got it resolved but it wasnt pretty - Plenty of correspondance (i mean plenty)

Did you use the VRT calculator to assess your car value? I think this would be a fair way of valuing a car and they shouldn't question this (unless your car is not listed on the database).

Trhiggy83

Seweryn wrote: »

Did you use the VRT calculator to assess your car value? I think this would be a fair way of valuing a car and they shouldn't question this (unless your car is not listed on the database).

I checked that myself but its not accurate either strangley enough. Depends on the car i suppose

limeric

Had a terrible experience with no nonsense too.But not for a claim.

i got a new policy.
no Nonsense then took money out of my account for the policy right away then wouldn't send the disks. it was one small thing after the other. without going into all the details suffice to say i sent in all required documentation and they just wouldn't send the disks. they gave me a quote of around 700/year after much haggling by me and after taking the money from my account i think they must have thought it too low?( most other companies were charging 900+)

anyway long and short is they wouldnt reply to emails from me and now i am still waiting on my 182 initial payment.

absolutely rubbish customer service. but great when i was getting quote etc!

visual

Never understood why all insurance companies ask what value do you want to insure the car at, then quote some secret trade value thats much lower than market value if you claim and obviously much lower than the value you requested it to be insured at.

Iecrawfc

Trhiggy83 wrote: »

Are insurance companies allowed charge you this amount for any changes to your policy.

'We will apply an administration charge of €25 for any amendment you make to your Policy or any request for duplicate documentation.'

Im just sick of dealing with this lot as they are money grabbing all the time and there business model is out to decieve people. I had to make a claim recently and it was hell trying to prove the correct value for the car off them. I had to wait two months to get paid and they tried to dicredit everything i sent to them even though i clearly knew the value of the car whic proved right in the end. Just a note to posters, stay well away because if you have to claim its absolute torture believe me. They will say anything to you in order to undervalue your car and the are so ignorant they wont admit when they are wrong.

Now im buying another car and all the operator wanted to tell me was have your lazer card ready because we are going to charge you 25 euro for changing the car license plate number.

Im not one to discredit companies but from my experiances so far stay well away from these as they dont care about customer service or even basic curtousy and there mission is to decieve people

I wont be renewing next year with them, i never wrote up about this whilst i was still claiming as it was na ongoing issue and i didnt want it all over boards but they really did try to rip me off with what they valued my car at.

Also they told me that i could not claim more than what i had valued the car at in my estimation- Does anyone know is there any leagal basis for this as i wasnt aware that this was the case and it seems grossly unfair as i tried to geuss the market value at the time but realised later when i was claiming it was worth more.
Rant over

See below for my experiences with no nonsense car insurance: money grabbers is the correct description for them!
So took out car insurance with no-nonsense/fbd in April, in June we got a second car but no nonsense refused to cover my wife, who is a non irish license holder, even though she was in the other policy as a named driver. Anyways had to cancel the insurance on the first car to get a multi policy quote from Aviva, no nonsense charged 60% of the policy and 25 euro 'admin fee' , when I questioned them the first person said there was a 50 euro cancellation fee, next person said it was because the policy was over 3 months, when I looked at it the policy started on Friday 4th April and cancellation processed on Monday 7th, basically 1 business day above 3 months!