Cant get car insurance in this country , please help !

swerv555

Hi all , im hoping someone may be able to help me.
Im 35 full clean irish driving license trying to insure my subaru impreza turbo , car has been off the road since september 2009 due to lose of job , i had a full no claims bonus of 9years + but since i ve only been named on my wifes car since 2009 my previous ncb has lapsed .I ve called numerous insurers and they all say the same thing either we wont insure said car or your previous experience does nt count anymore. Does anyone know if northern ireland insurers will insure us down here or a decent broker that will cover me . Im at my wits end trying to find a solution .All help greatly appreciated .

chalkitdown

Since the insurance company are cheating you, have not a second thought about telling any lie necessary.
You were driving a company vehicle in the intervening period, right?

Try insure.ie or whatever they are called now, being named on your wifes policy will probably get you some NCB back.
I wish someone would take these gansters to court.

swerv555

but what lies can i tell them if i say i have full ncb surely they will look for proof , i am into double figures today alone of companies i have contacted but still the same answer , what a country we live in !

listermint

Have you tried xsdirect? They should insure you but you will have a huge excess.

paddy147

You are a "househusband".

If it works for a woman,then it can work for a man.

Fire a call off to some of the brokers too.

Give John Power Insurance Services a call or else Wexford Insurers.

These should be able to look after you.

Henry Ford III

chalkitdown wrote: »

Since the insurance company are cheating you, have not a second thought about telling any lie necessary.
You were driving a company vehicle in the intervening period, right?

Try insure.ie or whatever they are called now, being named on your wifes policy will probably get you some NCB back.
I wish someone would take these gansters to court.

Not sure if serious?

If you are it's not good. OP isn't being cheated. NCB's hold for 2 years, and after that are gone.

Even if you don't like that it's still no excuse to falsify a proposal.

thebiglad

chalkitdown wrote: »

Since the insurance company are cheating you, have not a second thought about telling any lie necessary.
You were driving a company vehicle in the intervening period, right?

And what happens when they ask for a letter from the employer to confirm this - they will do so!

thebiglad

Can your wife insure the Subaru with her insurer (ask them for change of vehicle insured) and name you as a driver for it.

Then you get a new policy for her car in your name - that way your wife's NCB is allocated to the expensive car/policy and you then start a new NCB for what is presumably a normal car which everyone will quote for.

By the way, this is 100% allowed between spouses as all property is jointly owned and the insurable interest element is 100% covered.

Jemmy

Try brokers rather than insurers direct.

scamalert

thebiglad wrote: »

And what happens when they ask for a letter from the employer to confirm this - they will do so!

Photoshop is your friend and put relative details as contact then. :pac:
As someone mentioned these clowns should all be jailed for the amount they charge on insurance,and wtf how can all ncb disappear if i dont drive,same as bank would say you didnt use your account for last two years so all money are gone now ,if it takes to lie,lie to the b****s.

marcus2000

listermint wrote: »

Have you tried xsdirect? They should insure you but you will have a huge excess.

You can buy back the excess to 1K, if you want to. There is a loading for imprezzas but you will get a quote from them. The most recent quote I got from them was super-competitive (about 50% cheaper than my current insurer), so if you are willing to take the risk of the excess, then its at least worth a shot.

Alanstrainor

chalkitdown wrote: »

Since the insurance company are cheating you, have not a second thought about telling any lie necessary.
You were driving a company vehicle in the intervening period, right?

Try insure.ie or whatever they are called now, being named on your wifes policy will probably get you some NCB back.
I wish someone would take these gansters to court.

Any more posts suggesting the OP lie, or do anything illegal will be banned for a month.

galwaytt

Henry Ford III wrote: »

Not sure if serious?

If you are it's not good. OP isn't being cheated. NCB's hold for 2 years, and after that are gone.

Even if you don't like that it's still no excuse to falsify a proposal.

...it shouldn't be gone if he has a record of being insured on another car, since, really, as he has been insured (albeit as a named driver), so it's not like he vanished off the planet or anything.

My wife is back on the road now on her 'bike, and we had to go back to scratch on her bike NCB - 16yrs of hers expired, too...... :mad:

Atomic Pineapple

galwaytt wrote: »

...it shouldn't be gone if he has a record of being insured on another car, since, really, as he has been insured (albeit as a named driver), so it's not like he vanished off the planet or anything.

My wife is back on the road now on her 'bike, and we had to go back to scratch on her bike NCB - 16yrs of hers expired, too...... :mad:

I think it's because the policy itself has lapsed two years, the OP being a named driver would be on another policy and once a policy lapses 2 years it's no longer usable.

It's a bit of a ridiculous rule though.

Henry Ford III

galwaytt wrote: »

...it shouldn't be gone if he has a record of being insured on another car, since, really, as he has been insured (albeit as a named driver), so it's not like he vanished off the planet or anything.

My wife is back on the road now on her 'bike, and we had to go back to scratch on her bike NCB - 16yrs of hers expired, too...... :mad:

NCB relates to the insured's policy doesn't it?

If he was covered by somone else's policy (as a named driver) losing the NCB after 2 years is fair enough imho.

If it was that valauble it would have been worth buying a wreck, keeping it off the road, and insuring that.

marcus2000

The problem really isnt the driving experience. Most insurers will give a price for drivers with named driving experience. The problem is the car - subaru impreza turbo!! Alot of insurers just dont quote for it, or if they do, will heavily load it as its seen as a bad risk.

swerv555

Just tried xcess direct with a €3000 excess they still want €1515 thats absolute madness , seems like i ll have to put the car in storage at this rate .

Henry Ford III

swerv555 wrote: »

Just tried xcess direct with a €3000 excess they still want €1515 thats absolute madness , seems like i ll have to put the car in storage at this rate .

Get onto a good Broker. It'll still be expensive btw.

hondasam

swerv555 wrote: »

Just tried xcess direct with a €3000 excess they still want €1515 thats absolute madness , seems like i ll have to put the car in storage at this rate .

Try First Ireland. Insurance here is a joke tbh. Lots of companies will not insure these cars now regardless of age etc.

Mar4ix

i had insurance for my skyline through "arachas" broker, try them.

Also, might worth get something smaller at first, like vw polo, or focus, with small engine, drive it for while, then try get insurance for your subaru, insurer should transfer insurance to next car, might will ask some more extra money, but i think they cant refuse.

Henry Ford III

You've got to pay for your fun. A Subaru Impreza turbo of any sort will cost maybe €1000 p.a. based on overall risk, claims experience, and potential for theft.

Without an NCB add say 50%.

Our man in Havana

swerv555 wrote: »

Just tried xcess direct with a €3000 excess they still want €1515 thats absolute madness , seems like i ll have to put the car in storage at this rate .

Given your situation, that is a reasonable quote.

swerv555

Henry Ford III wrote: »

NCB relates to the insured's policy doesn't it?

If he was covered by somone else's policy (as a named driver) losing the NCB after 2 years is fair enough imho.

If it was that valauble it would have been worth buying a wreck, keeping it off the road, and insuring that.

How when unemployed for 2 and a half years was i supposed to do that , i ve only got a job last november and finally got back on my feet .

chalkitdown

swerv555 wrote: »

How when unemployed for 2 and a half years was i supposed to do that , i ve only got a job last november and finally got back on my feet .

Don't feed the poltroons.

chalkitdown

For the record, I was advising how to contravene company policy, not break any law.

Guy:Incognito

chalkitdown wrote: »

For the record, I was advising how to contravene company policy, not break any law.

You told him to lie. What happens when he has to make a large claim and they tell him to swing for it becaus he lied and his policy is invalid?

chalkitdown

Guy:Incognito wrote: »

You told him to lie. What happens when he has to make a large claim and they tell him to swing for it becaus he lied and his policy is invalid?

It has nothing to do with legality, it is only a makey uppey company policy. Do you really think they could prove that he has lost his driving safety record?

dr.fuzzenstein

swerv555 wrote: »

Hi all , im hoping someone may be able to help me.
Im 35 full clean irish driving license trying to insure my subaru impreza turbo , car has been off the road since september 2009 due to lose of job , i had a full no claims bonus of 9years + but since i ve only been named on my wifes car since 2009 my previous ncb has lapsed .I ve called numerous insurers and they all say the same thing either we wont insure said car or your previous experience does nt count anymore. Does anyone know if northern ireland insurers will insure us down here or a decent broker that will cover me . Im at my wits end trying to find a solution .All help greatly appreciated .

If you where a named driver on your wife's car, that can count towards your NCB.
You could get a letter confirming that you where a named driver and had no accidents and other insurers will accept that and give you NCB.
No need to pull anything dodgy here.
You might have to reconsider the Scooby, insurance poison in your situation, get something a bit more pedestrian at first, you can always buy one later.
When I got let go from my last job I hadn't had a car insured in my name for nearly 8-9 years, got a letter from the companies insurance and they confirmed I was driving a company vehicle for x amount of years without a claim and I got near full NCB.
It needn't be a nightmare.

Henry Ford III

swerv555 wrote: »

How when unemployed for 2 and a half years was i supposed to do that , i ve only got a job last november and finally got back on my feet .

Fair enough. Your NCB has expired and a high performance/group car and no NCB combo will be pricey.

MugMugs

chalkitdown wrote: »

Guy:Incognito wrote: »

You told him to lie. What happens when he has to make a large claim and they tell him to swing for it becaus he lied and his policy is invalid?

It has nothing to do with legality, it is only a makey uppey company policy. Do you really think they could prove that he has lost his driving safety record?

Ummm, yes? Do you think Insurers just accept everything they're told and not check up what's being said? Are you really that naive?

MugMugs

swerv555 wrote: »

Henry Ford III wrote: »

NCB relates to the insured's policy doesn't it?

If he was covered by somone else's policy (as a named driver) losing the NCB after 2 years is fair enough imho.

If it was that valauble it would have been worth buying a wreck, keeping it off the road, and insuring that.

How when unemployed for 2 and a half years was i supposed to do that , i ve only got a job last november and finally got back on my feet .

Henry is only trying to help you OP. Fact is that your vehicle is high risk and your lack of proof of up to date driving experience on top of your car is your problem. It's unfortunate but also the way Risk Management works.

chalkitdown

MugMugs wrote: »

Ummm, yes? Do you think Insurers just accept everything they're told and not check up what's being said? Are you really that naive?

Check my thanks for the clue. I neither respect nor am willing to be a sheep. Figure it out.

MugMugs

chalkitdown wrote: »

Check my thanks for the clue. I neither respect nor am willing to be a sheep. Figure it out.

I don't do cryptic rubbish. If you have a point to make then make it.

If the OP lied and was caught two years down the line he gets his Insurance cancelled. Would you like to know the consequence of that? He's flagged. He has to declare that cancellation to every other insurance company he tries to insure with.

He's finding it tough to get cover at the moment? He'll find it a damm sight harder to get it with a cancellation under his belt.

It's also illegal. It could even be seen as fraud.

Alanstrainor

chalkitdown wrote: »

For the record, I was advising how to contravene company policy, not break any law.

chalkitdown wrote: »

It has nothing to do with legality, it is only a makey uppey company policy. Do you really think they could prove that he has lost his driving safety record?

chalkitdown wrote: »

Check my thanks for the clue. I neither respect nor am willing to be a sheep. Figure it out.

Banned. You were warned.

scamalert

get your wife and you under might be cheaper.

Chris_Heilong

go with the €1515 with XS, its cheap enough given the situation and that should go down by a few hundred each year.

dr.fuzzenstein

scamalert wrote: »

get your wife and you under might be cheaper.

Just change the position of one word and this sentence becomes something entirely different.;)

Zubeneschamali

swerv555 wrote: »

Just tried xcess direct with a €3000 excess they still want €1515 thats absolute madness , seems like i ll have to put the car in storage at this rate .

That's not absolute madness, any old wreck would cost you €300 with a 50% NCB, so a Micra would cost you (without any NCB) €600. Of course an Impreza Turbo is going to be some multiple of a Micra's insurance.

Alanstrainor

Have you actually rung around to every broker you can find in the phone book OP?

I found XS Direct to be awful when I was looking for a quote on a 325ci, they quoted me 2000+ with a 3000 excess. Ended up fully comp with Aviva for 1100 with a normal excess.

marcus2000

Alanstrainor wrote: »

I found XS Direct to be awful when I was looking for a quote on a 325ci, they quoted me 2000+ with a 3000 excess. Ended up fully comp with Aviva for 1100 with a normal excess.

XS target drivers with no experience. They dont rate on bonus, so if you have an NCB, you probably wont get a good price.

CoDy1

Ring brokers, some non direct insurers will allow your bonus to be valid for up to 3 yrs without use.

bazz26

Is selling the Scooby and buying something more insurable until your NCB is built up again, an option?

swerv555

gor insurance with a.r.b for €1215 tpft im goin to take it , anything to get the car back on the road and my ncb built up again .
Thank you all for your advice and help.

L-M

galwaytt wrote: »

...it shouldn't be gone if he has a record of being insured on another car, since, really, as he has been insured (albeit as a named driver), so it's not like he vanished off the planet or anything.

My wife is back on the road now on her 'bike, and we had to go back to scratch on her bike NCB - 16yrs of hers expired, too...... :mad:

it would nearly be worth buying a Honda 50 and insuring it. i think my sister + borther in law are doing something along the lines of buying a cheap bike plus insurance to maintain their NCB.

kildare.17hmr

listermint wrote: »

Have you tried xsdirect? They should insure you but you will have a huge excess.

Just got a quote there for the crack 27 male full lucence 1.4l car with 2 yrs ncb, €880 with excess of €3000 haha they can keep it

Chris_Heilong

swerv555 wrote: »

gor insurance with a.r.b for €1215 tpft im goin to take it , anything to get the car back on the road and my ncb built up again .
Thank you all for your advice and help.

Never heard of ARB, do they take high performance Japanese cars no bother? Might try them so.

sunnysoutheast

Limerick man wrote: »

it would nearly be worth buying a Honda 50 and insuring it. i think my sister + borther in law are doing something along the lines of buying a cheap bike plus insurance to maintain their NCB.

I did similar while I was at university years ago. Went in with 1yrs NCB, came out with 4, on a FIAT 131 that was scrapped on the day I left for college.

SSE

Mister Jingles

Funny enough I rang ARB myself the other day, told me they don't do private policies ? Only company cars and all that.

swerv555

Mister Jingles wrote: »

Funny enough I rang ARB myself the other day, told me they don't do private policies ? Only company cars and all that.

Ended up begging a local brokers to help me out and this was the only company he managed to twist their arm .Believe me not impressed with the cost .For someone who has been driving 16 years with no accidents /penalty points or convictions to be penalised for letting my ncb run out , due to no fault of my own (laid off) and spending any penny i had keepin food on the table and paying bills.Someone needs to start a decent car insurance company in this country .

Our man in Havana

How much was it?

swerv555

Our man in Havana wrote: »

How much was it?

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