Liberty insurance

AndyGarcia

I am a 27 y/o male and currently insured with Aviva.

I have a 99 Merc E200 and aviva charge me €480 for me and the missus. my policy is up this month and the renewal came in the door this week for € 440.

Saw the ads for Liberty Insurance "Insurance the way it should be" so i gave them a call.

Few points first.
1. I have a full licence since i was 17.
2. No penalty points.
3. Never had a claim.

Basically never did anything wrong so was hoping for a cheaper quote than Aviva €440 and Axa € 475.

After giving all my details Liberty said for just me it would be €1750 and for me and the missus it would be € 2225 :eek::eek::eek::eek::eek::eek:

I asked why it was so much and they said thats just the way it is.

They are harly going to be in Ireland for long if they are going to charge them prices.

Cowboys

sandin

something wrong there - they must have keyed info in wrongly.

Based on living in kildare, doing 20000km a year in standard job using car for non commercial purposes, value €5,000, petrol model, 5 years no claims, full licence, Liberty's online site gives a quote €687.85

Why did you call them when you can do it all online in less than a minute AND get an extra discount.

The rate is still dearer, but when you become old and increpid like me, the rate falls to €472. Still a bit over the market as I pay less than €400 and drive a car with a value over 40k and have business use added. - Insurance is with Euro insurances (wrightway) via a broker.

marinbike

AndyGarcia wrote: »

I am a 27 y/o male and currently insured with Aviva.

I have a 99 Merc E200 and aviva charge me €480 for me and the missus. my policy is up this month and the renewal came in the door this week for € 440.

Saw the ads for Liberty Insurance "Insurance teh way it should be" so i gave them a call.

Few points first.
1. I have a full licence since i was 17.
2. No penalty points.
3. Never had a claim.

Basically never did anything wrong so was hoping for a cheaper quote than Aviva €440 and Axa € 475.

After giving all my details Liberty said for just me it would be €1750 and for me and the missus it would be € 2225 :eek::eek::eek::eek::eek::eek:

I asked why it was so much and they said thats just the way it is.

They are harly going to be in Ireland for long if they are going to charge them prices.

Cowboys

Liberty Insurance are well-known to be a rip-off in the USA. Just google ''liberty mutual rip off'' and see the numerous complaints on consumer complaints boards.

AndyGarcia

sandin wrote: »

something wrong there - they must have keyed info in wrongly.

Based on living in kildare, doing 20000km a year in standard job using car for non commercial purposes, value €5,000, petrol model, 5 years no claims, full licence, Liberty's online site gives a quote €687.85

Why did you call them when you can do it all online in less than a minute AND get an extra discount.

The rate is still dearer, but when you become old and increpid like me, the rate falls to €472. Still a bit over the market as I pay less than €400 and drive a car with a value over 40k and have business use added. - Insurance is with Euro insurances (wrightway) via a broker.

I rang them because i was on the road last week and wasnt able to go online.

with all other companies it was cheaper to have me and the OH than just me but Liberty it was the opposite.

Its nothing but a rip off

marinbike

I read some interesting customer complaints about Liberty Mutual:

http://liberty-mutual.pissedconsumer.com/our-liberty-mutual-rip-off-20120218298251.html

http://www.ripoffreport.com/insurance-companies/liberty-mutual/liberty-mutual-mary-rose-schnu-17d0e.htm

http://www.complaintsboard.com/complaints/liberty-mutual-c89453.html


http://www.consumeraffairs.com/insurance/liberty.html

sandin

AndyGarcia wrote: »

I rang them because i was on the road last week and wasnt able to go online.

with all other companies it was cheaper to have me and the OH than just me but Liberty it was the opposite.

Its nothing but a rip off

Why can't you accept that an error was probably made. THEIR website shows a quote of circa €700 for what you are saying. the website discount is 5% , so even at a push, the full normal price for your insurance is less than €800.

My guess is someone keyed in something wrong or heard something wrong on the phone. Check it yourself - the system on the website is the same system the call centre uses.


People do make errors - we're human.

AndyGarcia

sandin wrote: »

Why can't you accept that an error was probably made. THEIR website shows a quote of circa €700 for what you are saying. the website discount is 5% , so even at a push, the full normal price for your insurance is less than €800.

My guess is someone keyed in something wrong or heard something wrong on the phone. Check it yourself - the system on the website is the same system the call centre uses.


People do make errors - we're human.

He checked it twice and came up with the same quote. Do you work for Liberty?

Why cant you accept the fact they they are either ripping people off or their staff cant seem to get a quote right.

sambuka41

I was with Quinn for 7 years, my last quote was €450, my renewal from Liberty is €880. Haven't had a chance to ring them yet,but that's ridiculous, it's pretty much double. Last year Quinn tried to hike it up to €600, which I thought was bad, they caved and gave it to me for the price I had the previous year which was the €450, we'll see if Liberty do the same. :mad:

marinbike

AndyGarcia wrote: »

He checked it twice and came up with the same quote. Do you work for Liberty?

Why cant you accept the fact they they are either ripping people off or their staff cant seem to get a quote right.

Looks like he does! His posts resonate the counter-argument against consumers all the time!

AndyGarcia

marinbike wrote: »

Looks like he does! His posts resonate the counter-argument against consumers all the time!

and teh fact he knows what system they use. bad enough been ripped off but then having someone try defend them is ten times worse

sandin

AndyGarcia wrote: »

He checked it twice and came up with the same quote. Do you work for Liberty?

Why cant you accept the fact they they are either ripping people off or their staff cant seem to get a quote right.

marinbike wrote: »

Looks like he does! His posts resonate the counter-argument against consumers all the time!

AndyGarcia wrote: »

and teh fact he knows what system they use. bad enough been ripped off but then having someone try defend them is ten times worse

em - I'm accused of working for DPD in another thread. Damn, i'm good. 2 full time jobs and a business with 32 emloyees..

All insurance companies use the same programming for their online system and their telephone quote systems. Only difference is on the telephone someone enters the info they are given and a mistake can be made.

You can use the website site to and check in full colour the quote for yourself. Don't be taking my word for it. All i said is it looks like an error was amde and by a 30 second webcheck, it confirms that an error was probably made.

I agree, their staff didn't get the quote right. they made a mistake. mistakes happen. That's life! Move on now.

AndyGarcia

sandin wrote: »

em - I'm accused of working for DPD in another thread. Damn, i'm good. 2 full time jobs and a business with 32 emloyees..

All insurance companies use the same programming for their online system and their telephone quote systems. Only difference is on the telephone someone enters the info they are given and a mistake can be made.

You can use the website site to and check in full colour the quote for yourself. Don't be taking my word for it. All i said is it looks like an error was amde and by a 30 second webcheck, it confirms that an error was probably made.

I agree, their staff didn't get the quote right. they made a mistake. mistakes happen. That's life! Move on now.

The whole point of this section of Boards.ie is to let people know of rip offs and Liberty Insurance is a rip off you cant deny that?

What bugs me is their quote saying insurance they way it should be????? its not its insurance at the highest price in Ireland. And to think the cabbage that came up with that quote probably got 100k for it

Transpirant

AndyGarcia wrote: »

The whole point of this section of Boards.ie is to let people know of rip offs and Liberty Insurance is a rip off you cant deny that?

He lives in the world of Take.

It's a much easier and comfortable place than the world of competition.

Perhaps the government could try taxing some more of that wealth? There's still lots of money being made in Ireland.

sandin

sambuka41 wrote: »

I was with Quinn for 7 years, my last quote was €450, my renewal from Liberty is €880. Haven't had a chance to ring them yet,but that's ridiculous, it's pretty much double. Last year Quinn tried to hike it up to €600, which I thought was bad, they caved and gave it to me for the price I had the previous year which was the €450, we'll see if Liberty do the same. :mad:

Shop around every year with a few companies. Or better still try a broker. Different insurance comapines target different markets every year to balance their books. If Liberty / Quinn have too many under 30 drivers on their books, they'll hike the rate in order that some will leave.

Quinn were losing money on insurance becasue they had a flawed model and targeted too many under 30's.

If you're female try its4women.ie
If its commercial try insuremyvan.ie

and with all insurance policies, check the small print. What's the excess, (if you cna take a higher excess, the policy will drop quite a bt) will you get replacement car if yours is off the road, does it include roadside rescue, does it include windscreen replcement, does it include no claims protection.

AndyGarcia

Transpirant wrote: »

He lives in the world of Take.

It's a much easier and comfortable place than the world of competition.

Perhaps the government could try taxing some more of that wealth? There's still lots of money being made in Ireland.

still baffles me how many massively different quotes you can get for the same person.

sandin

AndyGarcia wrote: »

The whole point of this section of Boards.ie is to let people know of rip offs and Liberty Insurance is a rip off you cant deny that?

What bugs me is their quote saying insurance they way it should be????? its not its insurance at the highest price in Ireland. And to think the cabbage that came up with that quote probably got 100k for it

call centre jobs - €9 per hour. Hence why mistakes can be made.

Why can you just not accept that the quote you got was wrong for some reason. Liberty's own website gives a huge difference in the quote (still dearer that the others) Anyone who want to check, can do so.

Surely if soemone points out to you that soemone has mede an error and can prove that to you is the point of boards too? Are you not happy that the rela quote from liberty is about €700 and not 2k+ as you orignally thought.

Maybe you simply are not open to having an error corrected?

AndyGarcia

sandin wrote: »

call centre jobs - €9 per hour. Hence why mistakes can be made.

Why can you just not accept that the quote you got was wrong for some reason. Liberty's own website gives a huge difference in the quote (still dearer that the others) Anyone who want to check, can do so.

Surely if soemone points out to you that soemone has mede an error and can prove that to you is the point of boards too? Are you not happy that the rela quote from liberty is about €700 and not 2k+ as you orignally thought.

Maybe you simply are not open to having an error corrected?

Ok lets say 700 nearly DOUBLE what i am currently paying, This is is a rip off or are you going to argue that you made an inputting error ?

Obviously i am open to having an error corrected and that is why i went through all the details a second time. How could he possibly make teh exact same mistake twice in a row and why should i go through the internet for the third quote.

I rang 5 other companies who all gave me a quote around the 450-500 mark. Are you trying to tell me that all these companies pay more than €9p/h and this is why they get it right first time.

My whole point as i said before if Liberty is a rip off and even if we go by your quote it is nearly 50% more than anyone else yet you still try defend them.

Maybe you arent open to the truth about Liberty.

TheChizler

AndyGarcia wrote: »

Ok lets say 700 nearly DOUBLE what i am currently paying, This is is a rip off or are you going to argue that you made an inputting error ?

Obviously i am open to having an error corrected and that is why i went through all the details a second time. How could he possibly make teh exact same mistake twice in a row and why should i go through the internet for the third quote.

I rang 5 other companies who all gave me a quote around the 450-500 mark. Are you trying to tell me that all these companies pay more than €9p/h and this is why they get it right first time.

My whole point as i said before if Liberty is a rip off and even if we go by your quote it is nearly 50% more than anyone else yet you still try defend them.

Maybe you arent open to the truth about Liberty.

He admits the correct Liberty quote is still more expensive than the others, the clearly incorrect quote (>2k) was the one he had the issue with.

Transpirant

AndyGarcia wrote: »

Ok lets say 700 nearly DOUBLE what i am currently paying, This is is a rip off or are you going to argue that you made an inputting error ?

Obviously i am open to having an error corrected and that is why i went through all the details a second time. How could he possibly make teh exact same mistake twice in a row and why should i go through the internet for the third quote.

I rang 5 other companies who all gave me a quote around the 450-500 mark. Are you trying to tell me that all these companies pay more than €9p/h and this is why they get it right first time.

My whole point as i said before if Liberty is a rip off and even if we go by your quote it is nearly 50% more than anyone else yet you still try defend them.

Maybe you arent open to the truth about Liberty.

Glad to see that business defenders learn nothing. a divorce is imminent. But there is no way Liberty Mutual will survive the competitive Irish Insurance market. Just like Wal-Mart couldn't survive the competitive German market when they were left.

lala88

sandin wrote: »

call centre jobs - €9 per hour. Hence why mistakes can be made.

Why can you just not accept that the quote you got was wrong for some reason. Liberty's own website gives a huge difference in the quote (still dearer that the others) Anyone who want to check, can do so.

Surely if soemone points out to you that soemone has mede an error and can prove that to you is the point of boards too? Are you not happy that the rela quote from liberty is about €700 and not 2k+ as you orignally thought.

Maybe you simply are not open to having an error corrected?

Because the business is always wrong, they never make miistakes there just out to rip off everyone :rolleyes:

AndyGarcia

Imagine i had have accepted the quote, i wonder would they have came back to me and said the quote was wrong?

AndyGarcia

TheChizler wrote: »

He admits the correct Liberty quote is still more expensive than the others, the clearly incorrect quote (>2k) was the one he had the issue with.

still cant understand asking for a quote for myself and going through all the steps and then adding all my GF's details he gets that quote but to go through it all again and come up with the same figure that is essinteally 4 peoples details that he screwed up

keithclancy

700 euros ..

I remember back in the day, rang Hibernian and got a quote of 8500 pounds for TPFT, when with Quinn Direct in the end for 1250 pounds after trying multiple companies.

The next year I went through a broker and Hibernian beat their own price they had quoted me directly

These days at least you have the choice.

sandin

AndyGarcia wrote: »

Imagine i had have accepted the quote, i wonder would they have came back to me and said the quote was wrong?

You would have received the policy document in the post and checked it, found the error and told them.

I'm not defending them - they are way above others in the motor insurance market, but they have taken on a compnay that historically specialised in motor insurance and they prefer to have a better mix. - Hence they increase rates of insurance in areas they want to drop customers - called balancing the books. (all insurance companies deploy the same system)

Try them for a quote for a commercial premises and public liability insurance - they come in way below the others in that area.

AndyGarcia

sandin wrote: »

You would have received the policy document in the post and checked it, found the error and told them.

I'm not defending them - they are way above others in the motor insurance market, but they have taken on a compnay that historically specialised in motor insurance and they prefer to have a better mix. - Hence they increase rates of insurance in areas they want to drop customers - called balancing the books. (all insurance companies deploy the same system)

Try them for a quote for a commercial premises and public liability insurance - they come in way below the others in that area.

So if i reading this write your telling me a company that just started advertising in Ireland over the last few months dont want any of customers so they are pricing themselves out of the market?

surely the likes of aviva,axa ..... might do this but why would Liberty start advertising and then take this approach?

sandin

Liberty are the new owners of Quinn Insurance - same building, same staff. They took on all their customers and policies.

Quinn always went strongly after the motor market. Liberty want a more balanced book. My guess is they will be over priced for under 30's for a couple of years until they shed a good few of them as this was the market Quinn targeted and got a big percentage of.

But don't discount them for other insurance. They are weak in the business sector, so their rates are brilliant, they are also weak in the home insurance sector, so I'd say they could be good there, but Zurich are smashing everyone on the home insurance front with soem ridicuously cheap quotes - I'm under €350 for home insuranc eofr the first time in my life.


BTW - you're lucky you started driving in a relatively cheap time for insurance. My first insurance (1981) on a 1.2l datsun cherry was over £2500 -It was about 20% of my salary at the time! To put it in perspective a 10% deposit on my first home was £3,500 the following year!

galwayjohn89

Really don't think liberty are a rip off at all. For me they are bar far the cheapest.

Aviva quoted me €8,000 for insurance last year when liberty was charging €1,200.

Every insurance company is a 'rip-off' to some people. Theres competition out there so just vote with you feet instead of moaning.

AndyGarcia

sandin wrote: »

Liberty are the new owners of Quinn Insurance - same building, same staff. They took on all their customers and policies.

Quinn always went strongly after the motor market. Liberty want a more balanced book. My guess is they will be over priced for under 30's for a couple of years until they shed a good few of them as this was the market Quinn targeted and got a big percentage of.

But don't discount them for other insurance. They are weak in the business sector, so their rates are brilliant, they are also weak in the home insurance sector, so I'd say they could be good there, but Zurich are smashing everyone on the home insurance front with soem ridicuously cheap quotes - I'm under €350 for home insuranc eofr the first time in my life.


BTW - you're lucky you started driving in a relatively cheap time for insurance. My first insurance (1981) on a 1.2l datsun cherry was over £2500 -It was about 20% of my salary at the time! To put it in perspective a 10% deposit on my first home was £3,500 the following year!

Lol im driving 10 years, when i was 17 i got a quote on a 1.0litre micra value €100 and the insurance was over 6k, had to go onto the mothers as a named driver

Transpirant

sandin wrote: »

Liberty are the new owners of Quinn Insurance - same building, same staff. They took on all their customers and policies.

Wrong. Liberty are an American Company who bought Quinn Insurance.

sandin wrote: »

Quinn always went strongly after the motor market. Liberty want a more balanced book. My guess is they will be over priced for under 30's for a couple of years until they shed a good few of them as this was the market Quinn targeted and got a big percentage of.

You're an expert on Liberty now? How do you know this, what is their annual turnover for under 30's in other countries? Are you prepared to elaborate?

sandin wrote: »

But don't discount them for other insurance. They are weak in the business sector, so their rates are brilliant, they are also weak in the home insurance sector, so I'd say they could be good there, but Zurich are smashing everyone on the home insurance front with soem ridicuously cheap quotes - I'm under €350 for home insuranc eofr the first time in my life.

It's called competition - something which is lacking in the Insurance market with Liberty Mutual.

sandin wrote: »

BTW - you're lucky you started driving in a relatively cheap time for insurance. My first insurance (1981) on a 1.2l datsun cherry was over £2500 -It was about 20% of my salary at the time! To put it in perspective a 10% deposit on my first home was £3,500 the following year!

No it's not cheap. That was then, this is now.

lala88

Vuzuggu wrote: »

Really don't think liberty are a rip off at all. For me they are bar far the cheapest.

Aviva quoted me €8,000 for insurance last year when liberty was charging €1,200.

Every insurance company is a 'rip-off' to some people. Theres competition out there so just vote with you feet instead of moaning.

Ya but its much easier to moan and say your being ripped off just to try and find a way to get something for less

sandin

Transpirant wrote: »

Wrong. Liberty are an American Company who bought Quinn Insurance.



You're an expert on Liberty now? How do you know this, what is their annual turnover for under 30's in other countries? Are you prepared to elaborate?

Can you explain the difference between "The New Owners of Quinn Insurance" and your statement of "Liberty bought Quinn Insurance"

Surely when you buy something you become the new owner of the item???

From other threads you seem to have quite a lack of understanding, so it is not surprising to me that you donlt understand this quite simplistic comparison of statements.


Also, I'm not an expert on Quinn insurance but like many people in the business world I have followed the news story of the Quinn collaspe due to their gamble on Anglo Irish Bank (and because my business is insured with them) - a lot of the reporting was quite detailed, particlarly about the insurance arm and their heavy bias towards younger motor drivers which was causing the losses.