Insurance nightmare !!

msg11

I know I walked myself into this one. But I can't get a quote anywhere. I got a Evolution IV last week pretty cheap in good condition so I couldn't refuse.

Anyway cut a long story short, I can't get insurance anywhere !!

I know my stats are pretty low , 0 NCB and 21 Years old, Full license 3 years. XS wouldn't quote me cause I am not over 25 .. And nearly ever other insurance company I contacted don't want to know.

Now I am coming up on 1 NCB with my current policy with Quinn, and I know I could get insured with Quinn, but for two months it's ain't worth it .

Even the father can't get a quote on it. Now it's no big deal to me I have something else to drive. But has anyone any ideas on how I can get this insured or even get a quote?

I have been advised too get 3 letters of refusal , but in fairness I just want a quote. I'm not even sure if I will go threw with the insurance.

So who is insuring these cars.

Has anyone got a ball park figure of a quote I say about 4,000 ?

I'm nearly convinced that insurance are run by gangsters !

Thanks in advance if anyone can give me a dig out...

TestTransmission

0 NCB and 21 Years old


LOL


Seriously,did you even look into insurance before you bought it?

Graham_B18C

Nowhere will take you as new business. I got one quote apart from my renewal on my integra (nOn import and I was 23 with 4 years NCB) and it was over 3k. The only way you'll be able to get a quote is cover your current car and transfer it over. Quinn will quote you if you have a policy and own the car that you're looking to transfer onto.

The price they quote won't be pretty though, I'd be surprised if you had any change at all out of 4k

msg11

TestTransmission wrote: »

0 NCB and 21 Years old


LOL


Seriously,did you even look into insurance before you bought it?

Excellent reply .. Again, I'm just looking for a quote. I'm quite happy with my other car. And I got this car extremely cheap for it's condition and bought it with cash I had about that would have ended up spent on crap.

It's just annoying that I can't get a quote, and by the way I should have 3 years NCB but I had a disagreement with Quinn over a policy and didn't pay the cancellation fee again another long story.

Atomic Pineapple

If you cant get the quotes the IIF have been pretty helpful for me in the past - http://www.iif.ie/

msg11

Graham_B18C wrote: »

Nowhere will take you as new business. I got one quote apart from my renewal on my integra (nOn import and I was 23 with 4 years NCB) and it was over 3k. The only way you'll be able to get a quote is cover your current car and transfer it over. Quinn will quote you if you have a policy and own the car that you're looking to transfer onto.

The price they quote won't be pretty though, I'd be surprised if you had any change at all out of 4k

Cheers, so about 4,000. Someone told me that if my father insured it . I can drive it with my Quinn policy as 3rd party? Surely that can't be right ..

Graham_B18C

msg11 wrote: »

Cheers, so about 4,000. Someone told me that if my father insured it . I can drive it with my Quinn policy as 3rd party? Surely that can't be right ..

Ihave no idea how much it'd be. I know a guy that was quoted 7k on an Evo VII but he had a huge claim against him from a year previous. He was 22 at the time.

msg11

Graham_B18C wrote: »

Ihave no idea how much it'd be. I know a guy that was quoted 7k on an Evo VII but he had a huge claim against him from a year previous. He was 22 at the time.

That's a polite way of saying no ! I just find it strange that insurance companys will give you a quote when you jump threw a few houps for them or mention the IFI.

Atomic Pineapple

msg11 wrote: »

Cheers, so about 4,000. Someone told me that if my father insured it . I can drive it with my Quinn policy as 3rd party? Surely that can't be right ..

Its not right, you technically can drive it but only on occasion, you couldn't use it regularly, some people are doing this and its something the Gardai have begun to clamp down on.

challengemaster

msg11 wrote: »

Cheers, so about 4,000. Someone told me that if my father insured it . I can drive it with my Quinn policy as 3rd party? Surely that can't be right ..

Yeah, as draffodx says, if you're the main user of the car, the policy has to be in your name. Otherwise it's a case of insurance fraud, which in the event of a crash - the insurance company will come looking to find out who was really driving the car all the time. When they find out, this results in them paying out the third party claim, but taking you to court to recoup the money...

msg11

challengemaster wrote: »

Yeah, as draffodx says, if you're the main user of the car, the policy has to be in your name. Otherwise it's a case of insurance fraud, which in the event of a crash - the insurance company will come looking to find out who was really driving the car all the time. When they find out, this results in them paying out the third party claim, but taking you to court to recoup the money...

I thought there would have to be more too it than just once it isn't your car your fine. Although what is the line with usage ? Once a week , Once a fortnight , Once a month ?

If I was to use the car it would be at the weekends.

Atomic Pineapple

msg11 wrote: »

I thought there would have to be more too it than just once it isn't your car your fine. Although what is the line with usage ? Once a week , Once a fortnight , Once a month ?

If I was to use the car it would be at the weekends.

Weekly would be a big no no, the third party extension is for very limited use.

Graham_B18C

If your father already has a policy that he's using on his own car then he will have 0 NCB to use on the Evo policy. Insuring an Evo is an expensive business no matter what age you are!

msg11

draffodx wrote: »

Weekly would be a big no no, the third party extension is for very limited use.

Good information, it's what I though was the correct option. In fairness, Quinn really need to be more open on this. And explain that it's very limited use.

Graham the father is on my policy at the moment as I use the car more than he would.

He had a NCB of 5+ years with Aviva but he lost it all because he had no step back and claimed last year. Is his NCB reduced back to 0 or is it back to 2 Years NCB like with Quinn ?

I agree the whole owning an Evo is expensive business , and it would be strickly weekend use with myself running costs etc.. Is there no insurance that would do just weekend use ?

msg11

Manged to get back 1 Years NCB back from Quinn. So I will be going on too 2 Years NCB , in July. So things are looking slightly better.

So as of June, the stats will be ;

3 Years Full licence clean
21
2 Years NCB ..

Anyone think I might be able to get an insurance on the Evo..

Also, thanks for all the advise so far.

Graham_B18C

Honestly...no.

Nowhere will take you as new business.

I'm 24 with 5 years NCB and I couldn't see me getting a quote. I could prob change my policy from the Integra but god knows how much they'd charge me

Signpost

Agh I could defo see you getting a quote! On the other hand I see about 0% of a likelyhood of you getting a quote you will actually be able to afford!

Graham_B18C

Signpost wrote: »

Agh I could defo see you getting a quote! On the other hand I see about 0% of a likelyhood of you getting a quote you will actually be able to afford!

Have you ever tried getting quotes on a highly loaded car car in your early 20's?

chiefwiggum

in fairness insurance companies are very wise to the old man insuring a high performance car for his named driver son to drive...how many over 50's(im guessing) drive evo's,impreza's,integra's and so on
if you have a smash you'll never get a penny they'll void the policy

omb0wyn5ehpij9

msg11 wrote: »

Manged to get back 1 Years NCB back from Quinn. So I will be going on too 2 Years NCB , in July. So things are looking slightly better.

So as of June, the stats will be ;

3 Years Full licence clean
21
2 Years NCB ..

Anyone think I might be able to get an insurance on the Evo..

Also, thanks for all the advise so far.

I agree with Graham on this, I reckon you have no hope of getting insured on it.

ottostreet

I don't think you have a hope. Transfer from your current car to it, and just threaten to cancel/get onto the IFI to force them to insure you. The bill won't be pretty though. I'd recommend just sitting tight for a year or two and try again. I think you may just be slightly too young and inexperienced for the EVO (I don't mean that in an insulting way).

Signpost

Graham_B18C wrote: »

Have you ever tried getting quotes on a highly loaded car car in your early 20's?

Yep. I have have paid over 5k to be insured on cars before (and that was under my father). Wasnt long discovering that there wasnt much cash left in the pocket to actually run it so moved over to the whole diseal front wheel drive scene. Now that I've 7+ years driving experience and 5 of them on my own policy with NCB, I'm looking forward to my birthday when I might get reasonable quotes on them for being a "mature" 25 year old!

Its funny thou, some of the most demented people I know in cars are:
a) Female
b) MUCH older than 25
Both able to get very handy insurance on high performance cars and then they stick it to the younger lads. I always think if younger people could insure the higher spec'd cars there would be less accidents because at least the cars they would be using would be somewhat up to bar on the inevitability of what is going to happen. (& I know this is never going to change so please don't attack!)

Graham_B18C

With your father as the policy holder you'll get a quote on an Evo, a 21 year old with 2 years NCB won't. Britton and First Ireland were the only quotes I could get last year (23, 4 NCB, Irish ITR) and the quotes were over €3500. If I had of tried with an Evo, First Ireland would of said no because it's an import and Britton may have quoted but it would have been a stupid figure. A 21 year old won't get a quote if they're not an existing customer

msg11

Cheers for the help lads, When I was 18 I was insured on a Mitsubishi Cyborg ZR. The mivec one, got a quote of 260-270 per month. Paid that for a year.

During that year I never had an accident or got a fine/points for speeding. Have driven GSR's, Integra's without getting fines/points or any summons. So I like to think I'm pretty reasonable behind the wheel.

Although I do enjoy the performance from the car. I'm more into the style of them and it's just a thing I have with replicas they don't do the job for me.

Again thanks for the help. But I don't understand why people like me who actully go threw and get our cars insured properly and make sure everything is above board get a hard time.

I could have easily just put it down as a 1997cc Lancer as is the one on the 123.ie website. Every high performance car I have ever had has always been insured as is.

I guess what I am trying to say with this thread is, why make it so hard to get a quote for a car you want to drive ? I know the risk is there, but why don't insurance companys take into account with your NCB the cars you have driven before and add that into the risk.

Say for example.

I earned my 1 Year NCB in a 1.25 Ford Fiesta and wanted to get insured now on a Lancer Evolution the risk is clearly higher.

But if

I earned my 1 Year NCB on a 1.6 Mirage Cyborg ZR mivec and wanted to get insured now on a Lancer Evolution the risk is not as high. As I have some form of high performance driving behind me.

They really should take the type of cars you have drove in the past into account.

You could have 5 Years NCB with a Ford Fiesta and get into an Evolution and get carried away with yourself.

Yet that risk is the same as someone with 5 Years NCB on maybe a Honda Integra Type R.

Most of my cars in my driving history have been high performance so I know the price is high, I just can't get my head around the jumping threw the houps for them.

My solution to this would be too add an option on all the sites;

If you click a high performance car.

It will then ask you, if you have high performance car driving experience?

If you say yes, it will then ask how many years. What type of car it was earned with and then you will have to prove this like with a NCB. Could save people money and also let insurance companys know the real risk with who they are insuring.

challengemaster

That makes sense. You live in Ireland. Sense does not apply to insurance companies here, all they care about is money. Might as well be pissing into the wind, you'll get further tbh.

Signpost

Actually really enjoyed reading your post msg11 and it would be a brilliant idea [translation - we will never do it in this sh!t hole of a country...]
If your not into performance and you want the look you could ask what your quote would be if you fitted a speed limiter to it. Alot of people would put this in the same catagory as loosing a nut but might be one way to get it insured?

sleepysniper

Signpost wrote: »

If your not into performance and you want the look you could ask what your quote would be if you fitted a speed limiter to it. Alot of people would put this in the same catagory as loosing a nut but might be one way to get it insured?

Similar to the 2 year restriction on motorbikes after you pass your test.
Restrictor keeps the bike at 33bhp, its like castrating the motorbike alright, but it has been known for people to whip out the restrictor as they have a cert to say its restricted...:rolleyes:

I cant see it working on cars either tbh

Caliden

Highly unlikely you will get a quote.
You could try insure a msall engined car with quinn and then say you bought the car and want it transferred over but I've heard they arent doing that anymore and will instead give you the choice of cancelling or stay insured on the small car.

It's going to go in one ear and out the other but my advice would be to wait a few years until you're older and experienced. I don't mean that in an insulting way just for you're own benefit.

liam7831

anyone with any constructive advice??

Atomic Pineapple

liam7831 wrote: »

anyone with any constructive advice??

There's loads in the thread.

Graham_B18C

draffodx wrote: »

There's loads in the thread.

+1

What are you hoping for? Some young lad with an Evo insured for 500 quid a year with a secret insurance company we've never heard of?

Some more constructive advice: Get some quotes on your next car before buying it

liam7831

Ya loads of ppl saying the same sentence pretty much you aint got a hope. Not very helpful imo

Graham_B18C

liam7831 wrote: »

Ya loads of ppl saying the same sentence pretty much you aint got a hope. Not very helpful imo

But he doesn't have a bloody hope, he's 21 with very little experience trying to get insurance on a car that's in the same loading group as a Ferrari! (well in the uk, where insurance groups exist)

What kind of help are you looking to see?

Tefral

You say you already have a mode of transport, im guessing its a car?

Have a look at your policy if you have the driving of other cars extension. Depending on who your policy is with, the other car might not have to be insured.

Of course to satisfy the road traffic act, you will need to have the EVO taxed and have a current NCT. (you might also need this for the insurance too, again it depends on the company)

Doing it this way is actually legal, however you will only be insured third party and should it be stolen or set on fire, you wont get a cent.

liam7831

Wow didnt know that sounds interesting..... finally a bit of good advice:D

Caliden

If you're stopped by the Gardai while driving the evo on a third party, they may fine you for not displaying a valid insurance disc.

Also I may be correct in saying that the car you're driving third party can't be under your ownership in alot of situations (depends on the insurance company and their terms & conditions on third party extension)

Tefral

liam7831 wrote: »

Wow didnt know that sounds interesting..... finally a bit of good advice:D

If it does pan out you will be driving around with no insurance disk in the EVO, if you park it in town you could get a fine for failure to display a disk also the gardai can be sticklers about not having a insurance disk displayed in the window as it is a requirement of the road traffic act.

However, in all the people i know who do this, always carry your policy with you and show it to the garda at the checkpoint, they never have given hassle once you can prove your insured.

The EVO cannot be in your name also so register it to your parent

Atomic Pineapple

cronin_j wrote: »

Doing it this way is actually legal, however you will only be insured third party and should it be stolen or set on fire, you wont get a cent.

Its dependent on the insurance co but its actually only legal if you use the car on a very limited basis, both the gardai and insurance compamies are clamping down on this.

Not just hear say either, the gardai in the ES forum will confirm as will most insurance companies if you ask them.

Signpost

Do most policies not say the sports or high performance cars aren't covered? My guess is an Evo fits both these classes?

msg11

Just to update this. Quinn insured me in the end for 2200(2190). 21 Years old , 2 Years NCB. Didn't think it was so bad.

And it is down as an Evolution 4 which is the main thing !

Graham_B18C

That's great dude. My policy with Quinn dropped to 660 quid this year so they must be dropping the rates. Put some pics up!

msg11

Graham_B18C wrote: »

That's great dude. My policy with Quinn dropped to 660 quid this year so they must be dropping the rates. Put some pics up!

They must be doing something, they also made a mess of my NCB last year. I was with them in the past for a year and they should have had me down as 1 Year NCB not 0 . Got refunded 300 quid a month ago. And went up too 2 Years NCB.

Will put some flicks up later.

BobTheBeat

Congrats, thats considerably less than I was expecting. Im 29, on my second evo (have had performance Hondas for years) and Im paying 700 TPF&T, with no option for fully comp. These cars are very difficult to get reasonable insurance rates on, so youll continue to see high prices im afraid. The driving experience more than makes up for it in my opinion :cool: . Get yourself onto www.irishmoc.org when you have a chance, home of the irish evo owners. Then have a look at www.lancerregister.com.

Enjoy and the best of luck with the car!

msg11

bobmeaney wrote: »

Congrats, thats considerably less than I was expecting. Im 29, on my second evo (have had performance Hondas for years) and Im paying 700 TPF&T, with no option for fully comp. These cars are very difficult to get reasonable insurance rates on, so youll continue to see high prices im afraid. The driving experience more than makes up for it in my opinion :cool: . Get yourself onto www.irishmoc.org when you have a chance, home of the irish evo owners. Then have a look at www.lancerregister.com.

Enjoy and the best of luck with the car!

Ah I am on IMOC years now. It's a lot less than I was expect also more than happy with it. Got it taxed today and gave it a good wash sitting under trees for 2 months. Getting four new tyres for it at the moment, then get them fitted and aligned.