First time insurance (with a twist) - suggestions?

H3llR4iser

Hi all,

I'm in the quite curious situation of looking for a car insurance in a "no bonus" status - while being 32 and having held a driving license for the last 14 years!

The fact is this: I moved to Ireland in 2009 and, of course, my previous "no claims" certificate has expired; so, no "no claims" for me.

I've been looking around and had some quotes, for the 1.000 Euro worth piece-of-crap-banger 1.2L Punto or Clio I'll most likely be getting:

- "convenient" insurances (i.e. cheap), e.g. NoNonsense, Tesco, Liberty: won't even give me a quote;
- Aviva: 1350 / year (beyond outrageous)
- 123.ie: 900 / year, still high but doable;

One thing I noticed is that many companies discriminate between full EU and Irish licenses; in the case of 123, for example, the quote would drop to 750/year if I held an Irish license as opposed to my EU one. It's a bit on the criminal side to be honest - I would understand the right/left hand drive motivation, but for most companies the quote goes back up even if you had an UK license.

So, questions:

- Any experience with such situation? How did it go?
- Any company you would recommend for the specific issue?
- Companies that offer the "third part only" cover? I wouldn't be bothered with theft and fire damage on a such a bager of a car - and it would always be parked in a secure area;
- What happens if I convert my EU license in an Irish one? Will the date of issue stay the old one, or will I effectively be considered a "learner driver"?


Thanks!

tuborg_man

Just done a quick quote with fbd.ie with your rough details (32 with full eu licence and no no claims on a 1.2 living in dublin) and it's coming back at 575 euro 3rd party, 725 3rd party fire and theft but if you just want mobile in a pos clio then i'd go cheap.
hope that helps

Kopparberg Strawberry and Lime

youd be paying the same as me so.

€1,000 and im a 20 year old male with 1 year NCB in a 07 civic !

i wouldve thought a EU license with be more handy to have than just an Irish one ?

or could you even "trade it in" as such or would that only apply to licenses from EU countries that are not EU licenses ?

Still shocking prices for your age and car !

I remember hearing there recently a 19 year old male getting insured on a 97 civic hatch first time driver on his own for €1,400.

keithclancy

Kopparberg Strawberry and Lime wrote: »

youd be paying the same as me so.

€1,000 and im a 20 year old male with 1 year NCB in a 07 civic !

i wouldve thought a EU license with be more handy to have than just an Irish one ?

or could you even "trade it in" as such or would that only apply to licenses from EU countries that are not EU licenses ?

Still shocking prices for your age and car !

I remember hearing there recently a 19 year old male getting insured on a 97 civic hatch first time driver on his own for €1,400.

In the good ol days I got a quote for 2800 pounds on a Starlet.

haminka

call the AA, they can give you a decent competitive quote /at least that's my experience with them/ and if you are a member, you get a discount as well.

H3llR4iser

tuborg_man wrote: »

Just done a quick quote with fbd.ie with your rough details (32 with full eu licence and no no claims on a 1.2 living in dublin) and it's coming back at 575 euro 3rd party, 725 3rd party fire and theft but if you just want mobile in a pos clio then i'd go cheap.
hope that helps

Yep, just checked myself - 517 (I forgot to mention I live in Cork); However, how reliable is that site? I changed the engine to a 1.4L and it goes DOWN to 487...seems strange!

haminka wrote: »

call the AA, they can give you a decent competitive quote /at least that's my experience with them/ and if you are a member, you get a discount as well.

I'll probably do; not a member as I never had a car in IE, was walking to my previous job and then tried cycling or taking the bus to the new one - however the bus times being unreliable at best (I had to flag a cab twice this week because the bus never bothered showing up), plus the rainiest summer in human memory, plus...the HILLS, convinced me I need a car for "the day of the ghost bus"

Thanks guys!

H3llR4iser

Lol, tried doing a detailed quote on FBD...that's what I get:

"A Drivers profile does not meet our New Business Underwriting criteria for this channel. This criteria could be for reasons such as convictions, penalty points, occupation."

Apparently, a 32 yo Software Engineer, with a driving license since 14 years, no penalty points, no convictions, not even a parking ticket is akin to a dangerous individual and undesired customer...

bazz26

Forget about online quotes, they are designed to quote attractively low prices around what insurance companies consider to be low risk profiles. Stray away from that profile and they become distorted or will not quote at all.

Your best bet is to spent time ringing every insurance company and broker out there for the best cover at the best price, there is no shortcut if you want to save money.

Jimbob 83

Find a good broker

Laurali

hmm I keep getting this on all the sites. I'm only on a provisional, but I've been rejected from all of them so far (except the womens only ones) and the only thing I can see in common here is the occupation 'engineer'?

H3llR4iser wrote: »

Lol, tried doing a detailed quote on FBD...that's what I get:

"A Drivers profile does not meet our New Business Underwriting criteria for this channel. This criteria could be for reasons such as convictions, penalty points, occupation."

Apparently, a 32 yo Software Engineer, with a driving license since 14 years, no penalty points, no convictions, not even a parking ticket is akin to a dangerous individual and undesired customer...

munchkin_utd

regarding the EU licence, maybe they have experience of folks on an EU Licence being more reckless seeing as they can drive to their hearts content without fear or regard to amassing any penalty points ?

Can you not just swap the licence for an irish one if that brings a benefit?

djimi

bazz26 wrote: »

Forget about online quotes, they are designed to quote attractively low prices around what insurance companies consider to be low risk profiles. Stray away from that profile and they become distorted or will not quote at all.

Your best bet is to spent time ringing every insurance company and broker out there for the best cover at the best price, there is no shortcut if you want to save money.

Jimbob 83 wrote: »

Find a good broker

Agree with both of these. Forget about online quotes; they will see the 0 years NCB as a red flag. Get on the phone to every insurer that you can think of, and better still get onto brokers and see what they can do for you.

Del2005

H3llR4iser wrote: »

Hi all,

I'm in the quite curious situation of looking for a car insurance in a "no bonus" status - while being 32 and having held a driving license for the last 14 years!

The fact is this: I moved to Ireland in 2009 and, of course, my previous "no claims" certificate has expired; so, no "no claims" for me.

I've been looking around and had some quotes, for the 1.000 Euro worth piece-of-crap-banger 1.2L Punto or Clio I'll most likely be getting:

- "convenient" insurances (i.e. cheap), e.g. NoNonsense, Tesco, Liberty: won't even give me a quote;
- Aviva: 1350 / year (beyond outrageous)
- 123.ie: 900 / year, still high but doable;

One thing I noticed is that many companies discriminate between full EU and Irish licenses; in the case of 123, for example, the quote would drop to 750/year if I held an Irish license as opposed to my EU one. It's a bit on the criminal side to be honest - I would understand the right/left hand drive motivation, but for most companies the quote goes back up even if you had an UK license.

So, questions:

- Any experience with such situation? How did it go?
- Any company you would recommend for the specific issue?
- Companies that offer the "third part only" cover? I wouldn't be bothered with theft and fire damage on a such a bager of a car - and it would always be parked in a secure area;
- What happens if I convert my EU license in an Irish one? Will the date of issue stay the old one, or will I effectively be considered a "learner driver"?


Thanks!

Most people with full discount are paying between €300 to €600 for fully comp. So €1000 for no NCD isn't too bad.

There was a thread here a while ago about the EU licences, IIRC it is against the law to discriminate. But I can't find it.

One thing I learnt with insurance companies is that they load cheap cars, I now never value a car for less than €3000. It doesn't matter if a car is over insured as you only get book value.