1.4L limitation if no "x years no claim" available?

H3llR4iser

Hi there,

since I moved to Ireland, I never really needed a car; I was half thinking about getting one next year.

So, thinking about doing sorts of an "investment", I was looking to get a good car; Went to various insurance websites to get a quite and it turns out that, to even get insured, I would need to drive a car with an engine no bigger than 1.4L for three years.
That would destroy my plans completely, as I have no intention of shedding money on a ****box and related road tax+insurance only to get up to the three years of required "driving".

Considering that I'm 31, holding an EU license since 13 years, are there any companies that would insure a 1.8 or 2.0 liters diesel car?

Or should I just get an 250€ worth Micra 1.0, park it somewhere to collect dust and rust for three years while paying 1000+ euro insurance+tax a year, just to "collect seniority"?

Thanks in advance.

Anan1

Forget websites, ring around for quotes.

alias no.9

If you've been insured with any of the international insurers that operate here, Axa, Allianz, Zurich, Aviva, etc... they maybe the best people to start talking with, see if they will recognise your previous driving experience with them. Otherwise, try and find a broker who has experience with people in similar situations to yours.

rai555

Get certificate from your previous insurance company about your history, that is a must to get discount here

bladebrew

a car is about the worst investment you could think of,
the only cars that will make money are rare supercars, anything that collectors want eg ferrari 250 gto,

i doubt there is a 2.0 diesel that could be considered an investment,
i must remember all cars less than 1.4=****boxes:rolleyes:

edit: oops i forgot to answer the question

H3llR4iser

By "investment" I meant something I would keep for years and that was kinda worth the money you spend on it.

To make it clear, I would spend 15k-20k on a 2008/2009 BMW 320d wich I'd be willing to keep for years, but would never spend 8-10k on say a 1.4 Peugeot 207, which would just be a stopgap and would make me wish to get rid of it ASAP.

My situation is probably the worst, coming from southern Italy where "first time insurance" costs are proibitive: when I was there, we tried to get my mom's 1.3 Fiesta insured in my name and all companies asked for more than 3,000 euro/year. Needless to say, I didn't even ask for a quotation about my own car (Alfa 155 2.0TS).

As a result, I always had my insurance in the name of a parent - and they were total cover insurances, meaning anyone could drive the car (i.e. no "named drivers").

It is actually Aviva that has the "max 1.4 L engine" limitation, and it's even stated in their "assumptions" page.

I can understand the whole "power limitation" thing for a 18 years old (and still, you see them driving around in pimped Supras), it's frankly quite ridiculous for somebody that's in his 30s - I would understand if they gave me a huge figure for the first couple of years, and would be willing to pay it until it comes down to reasonable levels.