Insurance Rant!!!

ash xxx

Hey guys,

I'm sorry for the rant but I'm really annoyed at the price of my insurance.

For the past two years, I've been on my provisional licence and been insured with Zurich Ladystar (got through bestquote.ie). I drive a 1.6L Mini One and am 24. Now I've been paying €700/750 the past two years for full comp insurance which has been reasonable.

And now once I've gotten my full licence, I expected this amount to drop, which would be more than welcome cause of lack of money. But it hasn't, it's gone up and the average quote I'm getting is over €900 :(:(

Anyone else having similar problems?? I know the new legislation on insurance equality for male/female drivers has pushed up insurance for women but I didn't think I'd be paying more on a full licence than I am on the provisional.

I've no penalty points, claims or anything so this is just pooey!!!

gooch2k9

It's because you can legally drive unsupervised now, more of a risk as a result.

Can't feel sorry when you're paying that on a 1.6l, on a provisional compared to what I've had to pay on a 1.3l though:p

Mister Jingles

Here's someone in a similar situation as yourself.

http://www.boards.ie/vbulletin/showthread.php?t=2056308085

I am assuming that your are female but if you remember the news a few months back there was an EU legislation brought in where insurance company's can no longer discriminate because of gender, and rightly so....which meant that women's insurance would be going up in the following months to come.

At the end of the day though insurance in this country is a scam. But to be honest in your driving a 1.6 it can be expected.

ash xxx

I am indeed a lady, hence being insured with Zurich Ladystar ;););)

But seriously, its ridiculous that they seem to be punishing me for being a more qualified driver. Insane logic

matt70iu

ash xxx wrote: »

I am indeed a lady, hence being insured with Zurich Ladystar ;););)

But seriously, its ridiculous that they seem to be punishing me for being a more qualified driver. Insane logic

Silly isn't it:) In the Uk, your insurance always goes up when you pass your test as the laws for driving on your own on a provisional are actually enforced there:)

Someone who works for a well known Irish/Uk insurer explained it to me.

Basically, they feel you are less likely to have an accident on your learner permit, as you are supposed to have a fully licenced driver beside you.

You pass your test, you can drive on your own, so you're not as careful.

Not saying this applies to you, but I think it's where the insurers are coming from:)

ash xxx

matt70iu wrote: »

Silly isn't it:) In the Uk, your insurance always goes up when you pass your test as the laws for driving on your own on a provisional are actually enforced there:)

Someone who works for a well known Irish/Uk insurer explained it to me.

Basically, they feel you are less likely to have an accident on your learner permit, as you are supposed to have a fully licenced driver beside you.

You pass your test, you can drive on your own, so you're not as careful.

Not saying this applies to you, but I think it's where the insurers are coming from:)

Jeees, shouldn't have bothered going for my test

matt70iu

ash xxx wrote: »

Jeees, shouldn't have bothered going for my test

Ha, know what ya mean. On the up side, as you build up your no claims bonus, your insurance will start to drop a much more substantially than when you were on your learner permit.

I'm 28 with a golf 1.8 GTI and 3 years no claims, paying 650e a year for insurance at the moment. So the no claims bonus is worth a lot:)

Have you tried Tesco insurance? They seem very reasonable, although they won't touch me cuse of the GTI:)

ash xxx

matt70iu wrote: »

Ha, know what ya mean. On the up side, as you build up your no claims bonus, your insurance will start to drop a much more substantially than when you were on your learner permit.

I'm 28 with a golf 1.8 GTI and 3 years no claims, paying 650e a year for insurance at the moment. So the no claims bonus is worth a lot:)

Have you tried Tesco insurance? They seem very reasonable, although they won't touch me cuse of the GTI:)

No haven't looked at them yet, have got quotes online from insure.ie, bestquote, 123, chill, quoteme. Have 2 years no claims so far.

MagicMarker

OP, in 2 years of driving you've spent less than HALF of what I spent on ONE years insurance.

Suck it up.

matt70iu

ash xxx wrote: »

No haven't looked at them yet, have got quotes online from insure.ie, bestquote, 123, chill, quoteme. Have 2 years no claims so far.

Um yeah, they're defo worth a go. My next suggestion would have been 123, but they like to slap you with admin charges, no matter how minor the change to your policy. Something to be aware of before signing up with them:)

Sure let us know how ya get on:) Well done on the test!

mathepac

matt70iu wrote: »

... My next suggestion would have been 123, but they like to slap you with admin charges, no matter how minor the change to your policy. Something to be aware of before signing up with them ...

I wouldn't bother with 123. I had a number of cars insured with them a few years ago and they kept offering to renew my insurance on cars I had sold and transfereed the insurance off rather than my current car.

I left them when I had two cars on different policies with different renewal dates; 123 kept confusing renewal dates, types of cover, reg. nos, and even vehicle makes and models. They were an administrative disaster. As I said in my cancellation letter to them, even though motor insurance is a legal requirement in this country, their behaviour was the biggest justification I'd ever seen not to have cover.

Save yourself the headaches, insure elsewhere.

challengemaster

MagicMarker wrote: »

OP, in 2 years of driving you've spent less than HALF of what I spent on ONE years insurance.

Suck it up.

Agreed. When your cheapest quote is over 1600, then you'll know what equality feels like. When it's over 2500, you might get some pity.