Car Insurance with EU license + being under 25

ArinGhend

Hello everybody...I'm getting quite desperate at the moment as I got a quote from 123.ie assuring me they would accept my 5 years as a named driver on my mum's policy back in germany...

Well, turns out they don't and they won't quote me without a "valid" document...

So basically I'm trying to find any insurance that would send me a quote below 5000€ premium just because I actually paid like 4x the ammount of money by getting my license in germany...

My lost hope at the moment is aviva offering me an ignition driving test of 1 hour for free (on what insurace?...)

Any help will be really appreciated.

p.s.: I'm 23, my spouse would be 26, full eu license as well both got the licenses for about 4 years

Sobanek

As long as you have an original copy of the no claims discount, go with AXA. My mom's 9 years from Poland were accepted without any problems.
(Gosh, I feel like advertising AXA now...)

ArinGhend

just thinking about getting an irish license for 5 years for a fiver ... might probably solve some of my problems...

thing is i'm only a named driver on the policy - and 123 did not accept it at all even tho it states start date, my name, and my DoB ...

Sobanek

ArinGhend wrote: »

just thinking about getting an irish license for 5 years for a fiver ... might probably solve some of my problems...

Umm. No. It will cause new ones. A friend of mine went to PRISON. He was trying to get insurance on a fake licence, he got caught, escorted from the office and sentenced for 6 months for insurance fraud.

ArinGhend

http://www.citizensinformation.ie/en/travel_and_recreation/motoring_1/driver_licensing/exchanging_foreign_driving_permit.html

but that would be an actual one wouldn't it?

Sobanek

ArinGhend wrote: »

http://www.citizensinformation.ie/en/travel_and_recreation/motoring_1/driver_licensing/exchanging_foreign_driving_permit.html

but that would be an actual one wouldn't it?

You're not legally obliged to own and carry an Irish Driver's Licence. Your EU Licence is valid at all times.

Alanstrainor

Sobanek wrote: »

You're not legally obliged to own and carry an Irish Driver's Licence. Your EU Licence is valid at all times.

This is true. But at the same time there's no problem in exchanging your license for an Irish one if you want to.

Your post before the above talks about making fake licenses, i don't know why you brought that up at all?!

CiniO

OP I don't really get what the problem is.

You have German licence, and as far as I know almost all Irish insurers have absolutely no problem accepting licence from any EU country.
Just some of them might not give you discount for having 0 penalty points, if you have licence other than Irish. (that's the case with Aviva f.e.)

From what you said I assume your problem is that no Irish insurer wants to accept you No Claims Bonus from Germany. Is that right?

In that case keep looking. I'm sure you'll find insurer who will, if you have a document.

Few years back I got my first insurance in Ireland with Aviva (it was called Hibernian then) and I told them I had 6 years NCB from Poland.
They asked me for proof, so I send them my insurance history with list of all years insured and all claims listed from my Polish insurer. All this translated to English by sworn translator. They accepted it no problem.

Sobanek

CiniO wrote: »

OP I don't really get what the problem is.

You have German licence, and as far as I know almost all Irish insurers have absolutely no problem accepting licence from any EU country.
Just some of them might not give you discount for having 0 penalty points, if you have licence other than Irish. (that's the case with Aviva f.e.)

From what you said I assume your problem is that no Irish insurer wants to accept you No Claims Bonus from Germany. Is that right?

In that case keep looking. I'm sure you'll find insurer who will, if you have a document.

Few years back I got my first insurance in Ireland with Aviva (it was called Hibernian then) and I told them I had 6 years NCB from Poland.
They asked me for proof, so I send them my insurance history with list of all years insured and all claims listed from my Polish insurer. All this translated to English by sworn translator. They accepted it no problem.

Yeah, same story with AXA.

ArinGhend

Alanstrainor wrote: »

This is true. But at the same time there's no problem in exchanging your license for an Irish one if you want to.

Your post before the above talks about making fake licenses, i don't know why you brought that up at all?!

maybe be cause it's 5€ to get my german license swapped into a full eu one for 5 years?

funny how i get a premium of about 800 from before 5000 when i change my license from nearly 5 year full eu to 1 month full irish...

CiniO wrote: »

OP I don't really get what the problem is.

You have German licence, and as far as I know almost all Irish insurers have absolutely no problem accepting licence from any EU country.
Just some of them might not give you discount for having 0 penalty points, if you have licence other than Irish. (that's the case with Aviva f.e.)

From what you said I assume your problem is that no Irish insurer wants to accept you No Claims Bonus from Germany. Is that right?

In that case keep looking. I'm sure you'll find insurer who will, if you have a document.

Few years back I got my first insurance in Ireland with Aviva (it was called Hibernian then) and I told them I had 6 years NCB from Poland.
They asked me for proof, so I send them my insurance history with list of all years insured and all claims listed from my Polish insurer. All this translated to English by sworn translator. They accepted it no problem.

aviva will only take me with an "igntion" driving test... which is gonna be funny with that weird traffic in cork city :P

oldyouth

ArinGhend wrote: »

thing is i'm only a named driver on the license -

Are we mixing up the word licence with insurance? How can you be a named driver on the licence?

ArinGhend

oldyouth wrote: »

Are we mixing up the word licence with insurance? How can you be a named driver on the licence?

ofc you are right, gonna edit that asap

voojeq

Same story here. I have my licence since 2003, I'm 28 now, had a car in EU for about 3 years, Rang AXA was told that they do honor discounts from EU conuntries, so i rang my previous insurance told them to fax it over. Day later i got reply from Axa saying that my discounts are older than 5 years and this won't work.

Cheap insurers like 123.ie or nononsense.ie wont take your insurance if you dont have any experience driving in UK or Ireland - their mininum is 2 years (so i was told).

So if cheap insurers are off the line then there's always AXA or Insure.ie who will take anyone with some cash in hand onboard. I'd strongly recommend converting your licence to irish one as this will qualify for discount on your premium. Another good thing to lower your insurance premium is to pick up a proper car which will not damage your pocket in terms of insurance costs. Engine sizes 1.0-1.4 recommended, athough I've heard that max engine size for a starter is 1.6 which will affect premium accordingly.

Welcome to Ireland?

ArinGhend

voojeq wrote: »

Same story here. I have my licence since 2003, I'm 28 now, had a car in EU for about 3 years, Rang AXA was told that they do honor discounts from EU conuntries, so i rang my previous insurance told them to fax it over. Day later i got reply from Axa saying that my discounts are older than 5 years and this won't work.

Cheap insurers like 123.ie or nononsense.ie wont take your insurance if you dont have any experience driving in UK or Ireland - their mininum is 2 years (so i was told).

So if cheap insurers are off the line then there's always AXA or Insure.ie who will take anyone with some cash in hand onboard. I'd strongly recommend converting your licence to irish one as this will qualify for discount on your premium. Another good thing to lower your insurance premium is to pick up a proper car which will not damage your pocket in terms of insurance costs. Engine sizes 1.0-1.4 recommended, athough I've heard that max engine size for a starter is 1.6 which will affect premium accordingly.

Welcome to Ireland?

that was brilliant - sounds like a plan (have been living in the country for more than 3 years tho^^)

Otis Driftwood

Maybe the issue is that its named driving experience from outside of Ireland & the UK.

I know some insurers will accept no claims bonus from any EU member state provided it is an original document and is translated into English.

Maybe try FBD OP.I know for a fact they accepted NCB under the above criteria however I dunno how it would work as you were only a named driver.

Otis Driftwood

ArinGhend wrote: »

that was brilliant - sounds like a plan (have been living in the country for more than 3 years tho^^)

Just saw this.

Are you saying that you have been living in Ireland for the last 3 years but have been named on a policy for 5 in Germany?.

I hate to state the obvious but if you have been over here for the last 3 years its pretty clear you wernt driving the car at all therefore you would only have 2 years named driving experience (for all intents and purposes).Named driving experience/NCB only last for 2 years so if it is indeed 3 years that you have been over here then I dont see how you can expect to get discount for driving that in no way you could have been doing.

Or am I taking you up wrong?

CiniO

Otis Driftwood wrote: »

Just saw this.

Are you saying that you have been living in Ireland for the last 3 years but have been named on a policy for 5 in Germany?.

I hate to state the obvious but if you have been over here for the last 3 years its pretty clear you wernt driving the car at all therefore you would only have 2 years named driving experience (for all intents and purposes).Named driving experience/NCB only last for 2 years so if it is indeed 3 years that you have been over here then I dont see how you can expect to get discount for driving that in no way you could have been doing.

Or am I taking you up wrong?

OP could be the same named on Irish policy 5 five years and not be driving at all. There's not really any way insurer can verify it, therefore they are not asking if you were "insured and driving" but just if you were "insured".

Otis Driftwood

Im aware of that however anyone worth their salt working in an insurance company would question how long has he been resident/driving in Ireland.Its one of FBD's underwriting questions so Im sure there are others that will ask it too.:)

oldyouth

A lot of it is down to the ease of producing fake documents. When you supply a driving experience from one Irish company to another Irish company, it is easy to pick up the phone and verify whether it is authentic or not. There are a lot of givaways on fake insurance documents to the trained eye and they are easy spot within the regular pool of insurers that you get used to in the job. Not so easy from abroad

Foreign insurers treat documents from this country in the same way (not always though)

CiniO

Otis Driftwood wrote: »

Im aware of that however anyone worth their salt working in an insurance company would question how long has he been resident/driving in Ireland.Its one of FBD's underwriting questions so Im sure there are others that will ask it too.:)

When I obtained my Irish insurance, I actually in preceding 4 years spend at least 3 months in Ireland each year. That mean I wasn't driving my Polish car in that time. Even though no one ever asked me about it.

Even more - they accepted my NCB from Poland, even tough my policy in Poland was still in force.
Year later they became more smart, and when a friend of mine was trying to obtain Insurance in Ireland and showed proof of NCB from Poland, they asked him to provide a statement from his Polish insurance company that this policy is not in force anymore.
I assume it's due to fact that in Ireland NCB can't be used parallely on two policies.
They missed that with me

Our man in Havana

What do you do if your EU country does not do no claims bonuses?

CiniO

Our man in Havana wrote: »

What do you do if your EU country does not do no claims bonuses?

Is there such country?

Our man in Havana

Yes. Bulgaria. No such thing as no claims there.

CiniO

Our man in Havana wrote: »

Yes. Bulgaria. No such thing as no claims there.

What about driving history then?
Would a statement from Bulgarian insurer that you were insured for 5 years and had no claims in this period not suffice?

Our man in Havana

You wouldn't get such a statement from one.

The car is insured and not the driver. So no such thing as a named driver. The insurance companies don't care who is driving.

CiniO

Our man in Havana wrote: »

You wouldn't get such a statement from one.

The car is insured and not the driver. So no such thing as a named driver. The insurance companies don't care who is driving.

Same case in Poland. Or at least similar.

It's the car owner who is insuring a car, and everyone is covered to drive that car.
Car owner is the one who collects no claim bonus, no matter who is driving.

Car owner actually doesn't have to have a licence at all, and still will collect no claims bonus.