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Insurance question

  • 04-07-2012 11:33pm
    #1
    Pomplamousse
    Registered Users, Registered Users 2 Posts: 582 ✭✭✭


    About two months ago I took out a car insurance policy and paid for the entire year's insurance at once.
    I have since passed my driving test and so I am just wondering does anyone know if the fact that I now have a full licence will have an effect on the amount I have already paid for the year (ie do you think they'd give me a partial refund?). Or is it completely dependent on the particular company & their policies?
    I do plan on ringing the insurance company to find out, not sure if it's a stupid question though since I've already paid them for the year.
    Anyone have any experience with this?
    Thank you:)


Comments

  • #2
    Random
    Closed Accounts Posts: 19,080 ✭✭✭✭Random


    when i got my full license i called my insurance company and they reduced the price of my policy for the remainder of it.


  • #3
    hondasam
    Closed Accounts Posts: 34,418 ✭✭✭✭hondasam


    Yes definitely phone them and as far as I know they will give you a refund or I know some companies do anyway. It's always worth making the call.
    well done passing the test.


  • #4
    Yawns
    Banned (with Prison Access) Posts: 4,255 ✭✭✭Yawns


    Not a stupid question at all. What will happen is that the company will re-evaluate the risk for your cover and come up with a premium to suit. You should see a reduction in your premium and a refund of some sort. How much you get noone but your insurance company will be able to tell.

    Congrats on passing btw.


  • #5
    Frynge
    Registered Users, Registered Users 2 Posts: 1,667 ✭✭✭Frynge


    Pomplamousse wrote: »
    About two months ago I took out a car insurance policy and paid for the entire year's insurance at once.
    I have since passed my driving test and so I am just wondering does anyone know if the fact that I now have a full licence will have an effect on the amount I have already paid for the year (ie do you think they'd give me a partial refund?). Or is it completely dependent on the particular company & their policies?
    I do plan on ringing the insurance company to find out, not sure if it's a stupid question though since I've already paid them for the year.
    Anyone have any experience with this?
    Thank you:)

    Years ago I got bout €300 back after passing my test. I passed about 3 months into the policy which was €800ish. When renewing it I remember it being under 400. This was all as a named driver when 17 and then 18


  • #6
    Pomplamousse
    Registered Users, Registered Users 2 Posts: 582 ✭✭✭Pomplamousse


    Thanks everyone for your quick responses. Will give the insurance company a call tomorrow:)


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  • #7
    Pomplamousse
    Registered Users, Registered Users 2 Posts: 582 ✭✭✭Pomplamousse


    So I rang them today and they said that once I send them a copy of my new licence, I'll get a €79 refund. Yay:D


  • #8
    aujopimur
    Registered Users, Registered Users 2 Posts: 3,953 ✭✭✭aujopimur


    You see Irish ins. is'nt so bad after all, if you were in the UK it would have cost you more.


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