Advertisement
If you have a new account but are having problems posting or verifying your account, please email us on hello@boards.ie for help. Thanks :)
Hello all! Please ensure that you are posting a new thread or question in the appropriate forum. The Feedback forum is overwhelmed with questions that are having to be moved elsewhere. If you need help to verify your account contact hello@boards.ie
Please note that it is not permitted to have referral links posted in your signature. Keep these links contained in the appropriate forum. Thank you.

https://www.boards.ie/discussion/2055940817/signature-rules
Hi there,
There is an issue with role permissions that is being worked on at the moment.
If you are having trouble with access or permissions on regional forums please post here to get access: https://www.boards.ie/discussion/2058365403/you-do-not-have-permission-for-that#latest

Car insurance in the UK

  • 13-03-2012 2:05pm
    #1
    Banned (with Prison Access) Posts: 1,017 ✭✭✭


    I've moved to the UK for work and need to get a car sorted. The insurance prices I'm being quoted are colossal. Anyone here in the same boat, and what insurance company have you used?


Comments

  • Registered Users, Registered Users 2 Posts: 17,875 ✭✭✭✭MugMugs


    flash1080 wrote: »
    I've moved to the UK for work and need to get a car sorted. The insurance prices I'm being quoted are colossal. Anyone here in the same boat, and what insurance company have you used?

    QUINN Direct still trade in the UK market I believe. Tried em?

    Second to that, there is no end of comparison websites over there.

    comparethemarket.com
    confused.com
    gocompare.com etc


  • Banned (with Prison Access) Posts: 1,017 ✭✭✭flash1080


    MugMugs wrote: »
    QUINN Direct still trade in the UK market I believe. Tried em?

    Second to that, there is no end of comparison websites over there.

    comparethemarket.com
    confused.com
    gocompare.com etc

    Quinn are ridiculously expensive in the UK, they quoted me twice the price of the car I was looking at, 10 times what they'd charge me in Ireland. Been on gocompare, still getting screwed there.


  • Registered Users, Registered Users 2 Posts: 17,875 ✭✭✭✭MugMugs


    flash1080 wrote: »
    Quinn are ridiculously expensive in the UK, they quoted me twice the price of the car I was looking at, 10 times what they'd charge me in Ireland. Been on gocompare, still getting screwed there.

    Your risk address has a massive impact on matters such as premium. Very much so in the UK due to the levels of fraud in certain areas. Postcodes are just loaded due to previous experience for Insurers in those regions.

    If you could change your risk address for test purposes and see what you get you may just discover the problem at hand.


  • Banned (with Prison Access) Posts: 1,017 ✭✭✭flash1080


    MugMugs wrote: »
    Your risk address has a massive impact on matters such as premium. Very much so in the UK due to the levels of fraud in certain areas. Postcodes are just loaded due to previous experience for Insurers in those regions.

    If you could change your risk address for test purposes and see what you get you may just discover the problem at hand.

    I'm living in a city centre, with one of the companies it was a difference of £500 from my postcode to a friends postcode.


  • Registered Users, Registered Users 2 Posts: 25,650 ✭✭✭✭coylemj


    You may also be loaded because you're classified as a migrant worker - possibly a category of person (not you personally) with a history of involvement in insurance scams and/or bad driving record. Do you have a no-claims bonus with any company operating in the UK like Aviva or Axa?


  • Advertisement
  • Banned (with Prison Access) Posts: 1,017 ✭✭✭flash1080


    coylemj wrote: »
    You may also be loaded because you're classified as a migrant worker - possibly a category of person (not you personally) with a history of involvement in insurance scams and/or bad driving record. Do you have a no-claims bonus with any company operating in the UK like Aviva or Axa?

    I've four years no claims, they should accept my NCB, I've been putting it on the online quotes anyway.


  • Registered Users, Registered Users 2 Posts: 10,695 ✭✭✭✭Marcusm


    flash1080 wrote: »
    Quinn are ridiculously expensive in the UK, they quoted me twice the price of the car I was looking at, 10 times what they'd charge me in Ireland. Been on gocompare, still getting screwed there.

    I'm on my 3 year with them, because they are cheaper. Had no NCB when I took up with them as it was second car. Live in a very central London postcode with a fairly high loading for crime I'd expect but it's in a secure underground car park which makes a fair difference.


  • Registered Users, Registered Users 2 Posts: 364 ✭✭Limbo123


    Try swift cover.co.uk/com

    Was with them for a few years and they were cheaper than anyone else. And I was living in one of the worst places in London!!!

    If you have a hot hatch/ sports car/ convictions try Adrian flux

    Also, elephant.co.uk are pretty good


  • Closed Accounts Posts: 28 chipchop


    flash1080 wrote: »
    I've four years no claims, they should accept my NCB, I've been putting it on the online quotes anyway.
    Hey just wondering did you ever find insurance and who with??

    Im having a nightmare here I moved to Cambridge about a month ago and am trying to import my car from Ireland. Ive two years no claims with axa back home but there saying they wont insure me in the UK until I've lived here for 3 years! complete joke... then i just tried quinn and got an online quote of 4613.49 they must be taking the absolute piss!!!

    any advice as to who to go to other then using go compare etc would be greatly appreciated lads, ive to drive to construction sites a fair bit and really need to get it sorted!!


  • Closed Accounts Posts: 8,411 ✭✭✭ABajaninCork


    chipchop wrote: »
    Hey just wondering did you ever find insurance and who with??

    Im having a nightmare here I moved to Cambridge about a month ago and am trying to import my car from Ireland. Ive two years no claims with axa back home but there saying they wont insure me in the UK until I've lived here for 3 years! complete joke... then i just tried quinn and got an online quote of 4613.49 they must be taking the absolute piss!!!

    any advice as to who to go to other then using go compare etc would be greatly appreciated lads, ive to drive to construction sites a fair bit and really need to get it sorted!!

    I wouldn't bother to import the car from Ireland TBH. Cheaper and less hassle to sell it and get another UK reg car. Maybe that's the reason why you can't get insurance. Are you quoting using Irish plates??

    I don't use price comparision websites either. They're worse than useless. Insurance companies pay to be listed (only Direct Line, Aviva and one other I can't think of right now) don't advertise on them. Frequently, you find by ringing the company direct the quotes are cheaper than on the PC websites!!

    I would either call the companies direct or get a broker out of the Yellow Pages to give you a quote. My friend and her husband got a quote via a PC website for a well known company. They were quoted £1600 with full NCB!!:eek: In the end they went with an insurance broker who gave them a quote for £550 fully comp!


  • Advertisement
  • Registered Users, Registered Users 2 Posts: 938 ✭✭✭wildefalcon


    Try a BIBA broker - they sorted it out for me, modified vehicle, Irish Licence etc.

    Paying £300.


  • Closed Accounts Posts: 28 chipchop


    Try a BIBA broker - they sorted it out for me, modified vehicle, Irish Licence etc.

    Paying £300.

    Cheers for that will look into it tomorrow!
    I wouldn't bother to import the car from Ireland TBH. Cheaper and less hassle to sell it and get another UK reg car. Maybe that's the reason why you can't get insurance. Are you quoting using Irish plates??

    I don't use price comparision websites either. They're worse than useless. Insurance companies pay to be listed (only Direct Line, Aviva and one other I can't think of right now) don't advertise on them. Frequently, you find by ringing the company direct the quotes are cheaper than on the PC websites!!

    I would either call the companies direct or get a broker out of the Yellow Pages to give you a quote. My friend and her husband got a quote via a PC website for a well known company. They were quoted £1600 with full NCB!!:eek: In the end they went with an insurance broker who gave them a quote for £550 fully comp!

    yeah im looking for the quote with irish plates, the DVLA wont register the car unless it has valid uk insurance so its a real pain.. catch 22 territory basically... also i just got an NCT for 2 years the month before I moved and now I'm hearing that its not recognised and that i'll have to change the speedo and for £700 pounds (earlier post in this thread).

    worst of all giving that my nearest DVLA is an hour away Im starting to think i'll be better off driving it home getting the folks to sell it off and buy a car over here with the money. Its just a pain like, and I wouldnt mind but I know people who imported back home and its ment to be fairly handy so i figured it would be here too!... I was very wrong!


  • Registered Users, Registered Users 2 Posts: 938 ✭✭✭wildefalcon


    Don't bother with importing an Irish car - unless you plan to drive it to death, as you'll always get grief - they are very hung up on imports and Reg Numbers. It will also be worth less than the equiv UK car, if it's paddy spec, it will be worth even less.

    Sell the car in Ireland, trade-in for one that was previously registered in the UK - once it was on the DVLA system at all, it is easy enough to re-register again. Get an insurance cert in the UK reg, and an MOT and the DVLA do it over the counter. I left the counter with a tax disk. Oh, and they charge extra for credit card, debit card is no charge. Apply on-line for the re-registration form to be sent to you by post, but all they want is the old UK reg number.



    Done two that way.

    Another option is a car from NI, DVLA NI and DVLA talk to each other, but don't have access to each others computers as a matter of course at the counter.


Advertisement