FTO....Can't Get Insured

goz83

I swapped my van on Sunday for a 1995 Mitsubishi FTO. Unable to ring insurers 1st, I was stung on Monday when nobody would even quote me. I am really disappointed, not a boy racer, or anything, but I really like this car.

My stats:

28 year old
Full Irish License 5 Years
NCB 8 years

Married & wife has own car, Labourer, live in Dublin, have drive way.

I am gonna put car up for sale tomorrow unless I can get it insured. I won't pay thousands and any help/advice appreciated. The FTO is the GR 2 litre automatic version and I was giving a value of 2k.

L-M

I'd say you could probably half that value...

johnos1984

Here might be a good place to start

http://www.quoteme.ie/non-standard-risks.aspx

Raskolnikov

Did you ring the insurer or use an online quote? A lot of insurers won't quote a car of that age unless you ring. Have you tried ringing Axa and Britton Insurance?

Owen

Deja Vu ...

johnos1984

http://www.xsdirect.ie/

Raskolnikov

Why do I get the feeling that this guy is with Quinn Really, you should have no problem getting insured on an FTO. I know of two people driving these cars who would have less experience and NCB than you.

goz83

Currently with Axa. I have yet to cancel my Van policy with them. I am not with Quinn and have not been for over 5 years. I tried Quoteme.ie and I rang all the companies when seeking a quote. I never rely on online quotes. I tried Goggins broker and 25plus.ie ( a member of quoteme.ie) and i tried AAinsurance too. Nothing. Axa said I need to be 30 before they quote on that car. My wife rang cornmarket to see if she could switch her policy to the car and they said (after a few hours of not calling back) "it will be a few thousand". They quoted my 50+ year old dad with over 30 years driving experience and no claims 1600 euro third party.

colm_mcm

Go on to www.fto-ireland.com and look at the insurance section. It's possible to get a somewhat reasonable quote from a few companies.

goz83

johnos1984 wrote: »

http://www.xsdirect.ie/

Hi Johnos. Thanks for those links. They seem to be the same company. I got to stage 3, but it keeps saying "incorrect vehicle valuation" and won't allow me to proceed. The estimate is around €800, which I would pay with an excess of 3k attached, but I have a feeling it won't happen. WHen i rang quoteme.ie, they would not quote me on the fto.

colm_mcm

Xsdirect is not a runner unless you drive something worth massive money.

Otis Driftwood

colm_mcm wrote: »

Xsdirect is not a runner unless you drive something worth massive money.

Untrue.

xsdirect specialises in "high risk" drivers OR cars.

It could be that you are driving a 100k Porsche or that you have a bad claims record or driving convictions.

Ive seen people with cars worth less than 5k getting policies with them.

The excess is 4k for men and 2k for women and their cover is rubbish as in there are little/no additional benefits.

gooch2k9

Otis Driftwood wrote: »

Untrue.

xsdirect specialises in "high risk" drivers OR cars.

It could be that you are driving a 100k Porsche or that you have a bad claims record or driving convictions.

Ive seen people with cars worth less than 5k getting policies with them.

The excess is 4k for men and 2k for women and their cover is rubbish as in there are little/no additional benefits.

Is that nonsense not illegal now after that EU ruling? Or has that yet to come in?

goz83

I'm pretty sure I rang XS on Monday and they said they only insure cars over 5k. Thought it was very odd. Maybe I will try again and tell them its worth 5k

x in the city

since when do insurers think a fto is an astoN martin vantage anyway?

Toots

gooch2k9 wrote: »

Is that nonsense not illegal now after that EU ruling? Or has that yet to come in?

AFAIK it comes into effect in 2012

TestTransmission

Raskolnikov wrote: »

Why do I get the feeling that this guy is with Quinn Really, you should have no problem getting insured on an FTO. I know of two people driving these cars who would have less experience and NCB than you.

I would of thought the same

nxbyveromdwjpg

http://fto-ireland.com/

Ask on the insurance forum there, you can definitely get insured on a GR, thats not even the mivec version, it shouldnt be a problem.

Otis Driftwood

x in the city wrote: »

since when do insurers think a fto is an astom martin vantage anyway?

Its not that its worth damn all its that its a 16 year old Japanese import ie,a bad risk.

ek9er

Auto Gr, I'd say 750- 900 if you sold it. Axa insured me on a 95 mivec one when i was 20 no problems after transferring my policy from another car, even got money back! but it was suddenly a high performance car come renewal, and i'd hardly call it that.

Jumpy

Your current insurer of the van must quote you. Just say you are swapping your insurance from the van to this.
If they refuse take them to the ombudsman.

goz83

Axa is my current insurer. Even before I mentioned the fto, they said I would have to cancel my commercial van policy and start up a new private car policy. does this sound right?

They then said i must be 30 before i can be quoted on an fto with them.

Otis Driftwood

Jumpy wrote: »

Your current insurer of the van must quote you. Just say you are swapping your insurance from the van to this.
If they refuse take them to the ombudsman.

Incorrect.

Commercial insurance is different from private insurance so its not simply a matter of transferring the insurance.

It is correct that you would have to cancel the van policy and start a car one,usually with a common renewal date.

They can refuse you as you are not within their underwriting criteria.

You can go down the route of getting letters of declinature from 3 other insurers which in itself is a painstaking process in order to force Axa to quote you.

This will take a few months then they will likely load the bollocks off you so its really not worth the hassle.

goz83

im going to ring xs and and aviva tomorrow. aviva quoted under 500 online, but their assumptions are that it is not a sports car, so this would likely be the thorn in my ass. quoteme.ie still not working even when i enter a value of €5001. If that fails, it's time to sell.

@Tigger: Could I?

Jumpy

Otis Driftwood wrote: »

Incorrect.

Commercial insurance is different from private insurance so its not simply a matter of transferring the insurance.

It is correct that you would have to cancel the van policy and start a car one,usually with a common renewal date.

They can refuse you as you are not within their underwriting criteria.

You can go down the route of getting letters of declinature from 3 other insurers which in itself is a painstaking process in order to force Axa to quote you.

This will take a few months then they will likely load the bollocks off you so its really not worth the hassle.

Didn't think about commercial. My bad.

Ricardo G

Have heard a lot of people giving out about massive price increases on certain Jap imports in the last few months, most recently a 23 year old woman trying to insure a Toyota Vitz (yaris) could'nt even get a quote !!

Senna

Did you try 123.ie, got them to cover a 1998 MR2 for €260. Similar car to the FTO but i'm a bit older than you, that might be the difference.

captainwang

Try this crowd, decent for this type of situation
http://www.brittoninsurance.ie/

goz83

cant get online quote with 123.ie. pretty sure i rang and said they cant quote an fto. i will try ringing britton

x in the city

Otis Driftwood wrote: »

Its not that its worth damn all its that its a 16 year old Japanese import ie,a bad risk.

afaik, they were just as bad to insure 6 or 7 years ago ....

goz83

i'm actually pretty disgusted by how crappy the insurance companies have been. No wonder so many people lie through their teeth to get insured on different addresses and in different countries, or as "named drivers" when they are the main driver. I want to get a gt500 next year, all going well, but there is little point if i cant get insured on a 2 litre fto.

I am also a little confused. When i enter the reg into the online quote system, it says my model is a GPX MI-VEC. However, when I rang mitsubishi with the chassis number, they said it was a GR model. Doesn't make sense to me. What do I go by?

ottostreet

Use Quinn Direct. Ensure to not select DE2A Import, as that is the 'import' selection for the non-mivec FTO. Select GR. For some reason, Quinns online process has the DE2A/DE3A marked as seperate to the models, despite the fact that ALL FTOs are DE2A/DE3A.

I have been insured as a new customer on an FTO GPX and GPvR for the last two years, and Im far younger.

Tigger

goz83 wrote: »

im going to ring xs and and aviva tomorrow. aviva quoted under 500 online, but their assumptions are that it is not a sports car, so this would likely be the thorn in my ass. quoteme.ie still not working even when i enter a value of €5001. If that fails, it's time to sell.

@Tigger: Could I?

Worth a shot but normally the car has to be speci to get in at 15

goz83

ottostreet wrote: »

Use Quinn Direct. Ensure to not select DE2A Import, as that is the 'import' selection for the non-mivec FTO. Select GR. For some reason, Quinns online process has the DE2A/DE3A marked as seperate to the models, despite the fact that ALL FTOs are DE2A/DE3A.

I have been insured as a new customer on an FTO GPX and GPvR for the last two years, and Im far younger.

so if i dont select the DE2A, I will get an online quote?

gooch2k9

goz83 wrote: »

so if i dont select the DE2A, I will get an online quote?

Quinn are awkward hoors if ever I seen them(sorry if thats not allowed:p). They won't give me a quote on a car that I'm currently insured on...with them.

Working ahead of time on me renewal.

goz83

gooch2k9 wrote: »

Quinn are awkward hoors if ever I seen them(sorry if thats not allowed:p). They won't give me a quote on a car that I'm currently insured on...with them.

Working ahead of time on me renewal.

THANKS!!!!!!! I just got quoted 640 TPFT

gooch2k9

goz83 wrote: »

THANKS!!!!!!! I just got quoted 640 TPFT

Congrats, but ottostreet deserves the thanks:p

goz83

gooch2k9 wrote: »

Congrats, but ottostreet deserves the thanks:p

THANKS TO ALL FOR YOUR HELP. MAN I AM SO CHUFFED!!!

gooch2k9

goz83 wrote: »

THANKS TO ALL FOR YOUR HELP. MAN I AM SO CHUFFED!!!

Ring them up in the morning pester them for a few euros off. Keep the reference number for that quote, as far as I know they have to stand by that number so nothing lost ringing them.

ottostreet

Excellent! Just be aware that their software may bring up DE2A and they may decline you on the phone. Be prepared to argue, as your logbook likely says DE2A as well. The car is an FTO GR, as well as having the chassis code DE2A. I had to do the same for my Version R.

goz83

Thanks Otto. Dont have log book yet, as i just collected it on sunday after swapping my van. I just paid 631 for insurance and I am going out on a drive right now later all hehehehe

That was sweet. I hope they don't give me any sh1te now that i got insured. the wife wont be happy, well maybe she will be when she drives it. She's off to check the leaving cert results tomorrow, so maybe she will change her mind when she doesn't show up in her crappy brava. my lovely 318i was nicked 13 months ago and it has taken me ages to let go of it. Maybe the fto will keep me smiling for now.

Esel

Excellent result. Kudos to all, and Boards!

johnos1984

Good stuff OP

I told you someone would know

listermint

Ring these guys this morning, Anyone i know with high performance uses them

http://www.firstireland.ie/


From Cupra R to M5's and in between.

johnos1984

goz83 wrote: »

I just paid 631 for insurance and I am going out on a drive right now

listermint wrote:

]Ring these guys this morning, Anyone i know with high performance uses them

http://www.firstireland.ie/

Not much point now

goz83

Yeah I just felt I should jump at the opportunity this morning when I got a quote. I was willing to pay up to 1k (excessive i know). But my wife had been dropping into work the past 2 days and I got a taxi home last night, because it was late and I didn't want her dragging the kids along to come get me.

Now it's time to get an alarm sorted. Also the door and ignition keys are different with the passenger side jutting out at the top slightly, so I am guessing a previous theft? Th High Beam interior display light does not work and I have ordered a new auto gear shift handle, because it just comes off, missing the lug screws. Apart from that and the occasional teeny scratch/scuff, it's all good as far as i can tell. Will bring to garage to get looked at properly though and will get an alarm sorted too, as I hear they are high risk theft. I'm thinking remote start? Don't wanna be spending hundreds, as it is an old and not very expensive car.

ShadowHearth

Gratz op. I am very happy for you!


Happy driving.

Fair play to boardsies too!

B00MSTICK

Hop onto www.fto-ireland.com and make an introduction post.
You'll find pretty much everything you'll need there, great place for parts too.

Where did you order the gear shifter from out of interest?
Camskill.co.uk has an extensive selection of FTO parts if you're looking for new stuff.

goz83

Erm...sorry about very late reply boom. The gear shifter in question was ordered from ebay. I still have it, unopened. I was already an fto-ireland member when I posted my problem on boards and I had since changed to another fto GR and after being rear ended in October, I bought a manual GPX. Still waiting for the insurance company to pay out for the car their insured wrecked.