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Car grouped wrong by insurance

  • 02-02-2012 1:04pm
    #1
    deaglan169
    Registered Users, Registered Users 2 Posts: 1,048 ✭✭✭


    My insurance is due for renewal so been checking online and ringing around, best quote was from 25plus.ie but it put my car through as a seat leon tdi 105bhp, i then changed it to be what it should be a seat leon SDI, and it wont quote me so rang the helpline and was told my car is grouped to high for my age group! im 25 and its a 68bhp non turbo car... but yet it will quote me on a 105BHP turbo leon, now several other price comparison sites wont quote me on SDI if its even listed in first place


Comments

  • #2
    smash
    Closed Accounts Posts: 34,809 ✭✭✭✭smash


    Cos Diesel sucks! :D


  • #3
    pcardin
    Registered Users, Registered Users 2 Posts: 2,192 ✭✭✭pcardin


    my current bmw 318 is classified as high performance vehicle where my merc S320 wasn't. Same insurance company. 318 cost me €70 more p/a then merc. :D


  • #4
    mickdw
    Registered Users, Registered Users 2 Posts: 23,688 ✭✭✭✭mickdw


    pcardin wrote: »
    my current bmw 318 is classified as high performance vehicle where my merc S320 wasn't. Same insurance company. 318 cost me €70 more p/a then merc. :D

    Yes but which car is someone more likely to be acting the tit in?


  • #5
    Vertakill
    Registered Users, Registered Users 2 Posts: 2,262 ✭✭✭Vertakill


    Lets not get confused between 'high performance' and 'high risk'.

    There are lots of mid/late 90's JDM cars out there that wouldn't pull you out of bed in the morning, but they're 'high risk' due to car thefts etc.

    But OP, I think you're probably right in this case and it sounds like it's grouped wrong. Maybe look to speak to a supervisor when they won't quote you and explain your gripe.


  • #6
    Vic_08
    Registered Users, Registered Users 2 Posts: 3,080 ✭✭✭Vic_08


    I was looking around for quotes for a rare high performance version (near 300bhp) of a regular car and got a couple of quotes that were so low I am inclined to think they were not differentiating it from the regular version.

    I was not attempting to trick them to get an incorrect lower quote, I am fully aware it wouldn't be a valid policy if i did . I gave all the info requested including the full model name and engine size. As it happened I didn't buy the car so I didn't go any further with it. I was not sure how to proceed really, a low premium would have been good but not if there was a question over them being able to invalidate the policy were a claim made.


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  • #7
    Atomic Pineapple
    Registered Users, Registered Users 2 Posts: 18,272 ✭✭✭✭Atomic Pineapple


    Vic_08 wrote: »
    I was looking around for quotes for a rare high performance version (near 300bhp) of a regular car and got a couple of quotes that were so low I am inclined to think they were not differentiating it from the regular version.

    I was not attempting to trick them to get an incorrect lower quote, I am fully aware it wouldn't be a valid policy if i did . I gave all the info requested including the full model name and engine size. As it happened I didn't buy the car so I didn't go any further with it. I was not sure how to proceed really, a low premium would have been good but not if there was a question over them being able to invalidate the policy were a claim made.

    If its rare its likely they've had little or no claims on one hence the low quote.

    A perfect example of this is when Legacy B4 RSK's started appearing on these shores, they cost next to nothing to insure in the beginning and as such a 280BHP saloon became popular, claims increased and now they are high risk and costly to insure.


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