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Any progress on multi-car policies in Ireland yet?

  • 06-07-2012 3:03am
    #1
    Popoutman
    Registered Users, Registered Users 2 Posts: 1,363 ✭✭✭


    Has anyone had any luck with, or aware of, any multi-car insurance policies available to owners of Irish cars?

    The last thread on here was over a year ago and I wonder if there has been any progress in the area? I would think that there is a niche market for someone that has more than one car, that is not a garage owner, to be able to pay for one policy that would cover two cars with one NCB.

    Alas my own research so far has shown that none of the companies would entertain a second car policy without starting a new NCB, and this makes me baffled - I can't drive more than one car at a time. I fully understand the implications of 3rd party fire and theft for a second car and I would expect that the policy would be a little more expensive as a result, but not north of €2k for a no-points male in mid-thirties with 9 year NCB and 17 years of a clean driving record.

    My personal experience a few years ago was that one insurance company would mirror the current NCB for the first year of insurance but then said "Oh look you have one year's NCB on that policy, please hand over €1200 for your renewal" instead of the €500 the first year cost. They claimed that the mirroring of the NCB was an introductory offer, not to be repeated. That car spent a year off the road as a result until it was deemed eligible for a classic low-mileage policy.

    I ask as I am thinking of getting a mid-90's project car to tinker away on for the autumn and winter, and I'm not willing to pay stupid money for insurance for it.


Comments

  • #2
    mickdw
    Registered Users, Registered Users 2 Posts: 23,794 ✭✭✭✭mickdw


    If only the one driver involved, policies for multi cars should be practically free as the only additional risk would appear to be the fire and theft cover on the extra car. Unfortunately everything about our little country is arse ways so we get ripped off at every turn.


  • #3
    stimpson
    Registered Users, Registered Users 2 Posts: 7,860 ✭✭✭stimpson


    Get an early 90's project car instead. I've got a 91 CRX on a classic policy with AXA. I think 20 years old is their limit.


  • #4
    Ardent
    Registered Users, Registered Users 2 Posts: 5,364 ✭✭✭Ardent


    Bought a new car recently and transferred my policy on to it. That left my old car without insurance - made enquires about insuring it short-term and was shocked at the complete lack of options available in this country.

    I can just about accept not being able to insure a second car on the same policy but I can't believe you can't purchase short-term insurance in this country like you can in the UK. I'd have gladly paid ~200 to insure my old car for a month. Had to drive the thing uninsured across the country so I could sell it.


  • #5
    mickdw
    Registered Users, Registered Users 2 Posts: 23,794 ✭✭✭✭mickdw


    Ardent wrote: »
    Had to drive the thing uninsured across the country so I could sell it.

    You mean you decided to drive it across the country uninsured. Disgraceful.


  • #6
    CoDy1
    Registered Users, Registered Users 2 Posts: 1,637 ✭✭✭CoDy1


    Go to www.setantainsurance.com and find a broker near you.

    Setanta allow you to mirror your exisiting bonus so you are essentially starting a second car policy but get the full discount.


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  • #7
    166man
    Registered Users, Registered Users 2 Posts: 6,575 ✭✭✭166man


    Ardent wrote: »
    Had to drive the thing uninsured across the country so I could sell it.

    You didn't have to do anything. The situation could have been explained to the new owner that you didn't have insurance. Driving the guts of 200 miles without any insurance is ridiculous really. Poor show.:rolleyes:


  • #8
    Redsoxfan
    Registered Users, Registered Users 2 Posts: 5,431 ✭✭✭Redsoxfan


    I have 2 cars on the same policy with one NCB through First Ireland brokers.


  • #9
    Ardent
    Registered Users, Registered Users 2 Posts: 5,364 ✭✭✭Ardent


    mickdw wrote: »
    You mean you decided to drive it across the country uninsured. Disgraceful.

    No, I was left with no option but to drive it uninsured that day. Take out a fresh policy and a pay over a grand for it? Fook that.


  • #10
    166man
    Registered Users, Registered Users 2 Posts: 6,575 ✭✭✭166man


    Ardent wrote: »
    No, I was left with no option but to drive it uninsured that day. Take out a fresh policy and a pay over a grand for it? Fook that.

    I'm sorry but you did have a choice. And putting other people at risk by driving across Ireland without insurance makes you a joker in my opinion. Disgraceful behaviour.


  • #11
    listermint
    Registered Users, Registered Users 2 Posts: 34,173 ✭✭✭✭listermint


    166man wrote: »
    I'm sorry but you did have a choice. And putting other people at risk by driving across Ireland without insurance makes you a joker in my opinion. Disgraceful behaviour.

    While i dont agree with what he did, how was it actively putting other drivers at risk ?


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  • #12
    166man
    Registered Users, Registered Users 2 Posts: 6,575 ✭✭✭166man


    listermint wrote: »
    While i dont agree with what he did, how was it actively putting other drivers at risk ?

    Had he had an accident, and no insurance. I should have said financial risk...


  • #13
    galwaytt
    Registered Users, Registered Users 2 Posts: 12,747 ✭✭✭✭galwaytt


    Ardent wrote: »
    Had to drive the thing uninsured across the country so I could sell it.

    No you didn't - did you even ASK your insurer for temp cover, to move it ?

    I needed to borrow a veh last Monday - Wednesday, and rang my insurer, and they gave me temp cover f.o.c.

    Ode To The Motorist

    “And my existence, while grotesque and incomprehensible to you, generates funds to the exchequer. You don't want to acknowledge that as truth because, deep down in places you don't talk about at the Green Party, you want me on that road, you need me on that road. We use words like freedom, enjoyment, sport and community. We use these words as the backbone of a life spent instilling those values in our families and loved ones. You use them as a punch line. I have neither the time nor the inclination to explain myself to a man who rises and sleeps under the tax revenue and the very freedom to spend it that I provide, and then questions the manner in which I provide it. I would rather you just said "thank you" and went on your way. Otherwise I suggest you pick up a bus pass and get the ********* ********* off the road” 



  • #14
    blastman
    Registered Users, Registered Users 2 Posts: 5,451 ✭✭✭blastman


    My insurance company won't let me switch my policy to another car that I own, but if I don't own it, no problem. Not what I'd call helpful.....


  • #15
    dgt
    Closed Accounts Posts: 12,985 ✭✭✭✭dgt


    Ardent wrote: »
    Had to drive the thing uninsured across the country so I could sell it.

    You could have asked a recovery service to bring it for you. A run from here (near Navan) to Sligo was costing approx €300, just as an enquiry.

    Is it worth the court fees, lawyers, fines, agro etc just to sell a car?


  • #16
    Guy:Incognito
    Registered Users, Registered Users 2 Posts: 38,244 ✭✭✭✭Guy:Incognito


    Ardent wrote: »
    No, I was left with no option but to drive it uninsured that day. Take out a fresh policy and a pay over a grand for it? Fook that.
    Why couldnt you just swap the insurance back to it for a couple of hours?


  • #17
    blastman
    Registered Users, Registered Users 2 Posts: 5,451 ✭✭✭blastman


    Guy:Incognito wrote: »
    Why couldnt you just swap the insurance back to it for a couple of hours?

    Because if he owns both cars, insurance company probably won't let you swap temporarily, maybe?


  • #18
    Guy:Incognito
    Registered Users, Registered Users 2 Posts: 38,244 ✭✭✭✭Guy:Incognito


    blastman wrote: »
    Because if he owns both cars, insurance company probably won't let you swap temporarily, maybe?

    I've done it loads of times.


  • #19
    101sean
    Registered Users, Registered Users 2 Posts: 2,884 ✭✭✭101sean


    Got caught out recently needing to insure a car for my father, he'd had a camper van for the last 18 years but we had to scrap it. Turns out because of the specialist van policy he had no NCB despite a clean record and for me to insure it, my existing policies on my 110 and 101 counted for nothing. Ended up paying €1340 TPFT for a car worth only a grand or so, robbing feckers :mad:


  • #20
    Ardent
    Registered Users, Registered Users 2 Posts: 5,364 ✭✭✭Ardent


    blastman wrote: »
    Guy:Incognito wrote: »
    Why couldnt you just swap the insurance back to it for a couple of hours?

    Because if he owns both cars, insurance company probably won't let you swap temporarily, maybe?
    Correct


  • #21
    Popoutman
    Registered Users, Registered Users 2 Posts: 1,363 ✭✭✭Popoutman


    I think my main issue is that the NCB refers to one car's policy, but cannot be used by the same driver on another car. Whereas, if you have had an accident and a claim on a separate policy in the previous time period you must disclose it even though it is not a claim on the first policy. My driving risk does not change appreciably when I drive another car, but as far as the Irish insurers care, you are a beginner driver even though you have a proven safe record. Mirroring the NCB is fantastic if you can get it, but at the time of renewal after the first year's insurance it's back to square one as all of the insurers that I have asked have said that once I have one year's NCB built up on the second car on the separate policy, the mirroring no longer applies and the premium gets calculated on one year's NCB instead of maximum NCB. After one year's extra no claims, I'm deemed to be at a much higher risk - and that's not fair.

    I.e. the whole situation around one driver multiple cars appears to be the insurance companies both having their cake and eating it.

    (regarding the thread hijack - I'd say take it to another thread, as it's a bit off-topic - thanks)


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