Help! 31 yo Nephew needs insurance.

DeVore

So, my knowledge of cars, or lack thereof, is legendary. I thought cars were complicated until I agreed to help my nephew with his first car insurance... and feck me but they ask a lot of questions!

The skinny:
He's 31, provisional drivers license, sitting the test in 6 weeks, 0 no claims bonus, his car is a 1.4L Polo sitting waiting for insurance to be cleared (he's been a good boy and not driven it at all yet ).

I cant find anywhere that will insure him for anything other than silly money (1,700 euro).

Any advice? Is that a reasonable quote for him?
I'm completely lost with this, between litres and saloons and horse-gallons-per-furlong...

sean1141

Sounds expencive for his age but the lack of experience and no claims bonus are sure to drive it up. Call as many brokers as possible as well as doing online checks. I found fbd and chill.ie very competitive last year.

Dr. Kenneth Noisewater

Give insure.ie and 123.ie a lash, I went with insure.ie when I started first, they were the only company that quoted me anything resembling a decent price.

1.4l is probably not helping his cause. If he had a 1.0l he'd probably get a quote of around €950 or so no problem.

djimi

€1700 isnt silly money for a male on a provisional license with no NCB, regardless of age.

Could he manage for the next 6 weeks until he does the test? If he passes then that figure should come down a bit. If it was me Id be inclined to wait if at all possible.

Atomic Pineapple

djimi wrote: »

€1700 isnt silly money for a male on a provisional license with no NCB, regardless of age.

Could he manage for the next 6 weeks until he does the test? If he passes then that figure should come down a bit. If it was me Id be inclined to wait if at all possible.

+1 on that, with no experience and lack of no claims bonus €1700 is a decent price to be paying.

hattoncracker

OP, have you tried first Ireland? they give learner discounts...

Alanstrainor

Try Britton insurance, give them a call. I would be expecting less than a grand being honest. My brother, 19, never driven before, on a first learner permit, got his insurance for 1100 in his own name in a 07 micra.

I bet you'll get a much better quote.

Atomic Pineapple

Alanstrainor wrote: »

Try Britton insurance, give them a call. I would be expecting less than a grand being honest. My brother, 19, never driven before, on a first learner permit, got his insurance for 1100 in his own name in a 07 micra.

I bet you'll get a much better quote.

But don't their policies come with a high excess?

Alanstrainor

draffodx wrote: »

But don't their policies come with a high excess?

Nope, excess is normal, 200ish if I recall correctly, it was something i checked with them straight away and there was no extreme excess.

January

Give Aaran Insurance a ring tomorrow also. Very competitive.

Max Power1

draffodx wrote: »

But don't their policies come with a high excess?

Sometimes they hit you with a 4k excess... but not always (as above it would seem)
Must depend on the profile

Greenmachine

Sorry to spoil the party and everything.
What the hell is wrong with your nephew that he can't sort out his own insurance.
Can't he come on the forum himself and ask, or at least get out the golden pages, and start dialing.

Alanstrainor

Max Power1 wrote: »

Sometimes they hit you with a 4k excess... but not always (as above it would seem)
Must depend on the profile

Britton are just a broker, so it would depend entirely on who is underwriting the policy I would have thought.

Anyway, there's a good load of suggestions here already, get him to ring around Dev! Start with the suggestions here, and then get the phonebook out. It's the only way!

Alanstrainor

Greenmachine wrote: »

Sorry to spoil the party and everything.
What the hell is wrong with your nephew that he can't sort out his own insurance.
Can't he come on the forum himself and ask, or at least get out the golden pages, and start dialing.

This is not the place for such comments. Keep them to yourself in future; it only serves to derail a thread which is useful not only to the OP, but anyone else with similar queries.

Danke

DeVore

Thanks for all your help guys, much appreciated. I'll do a round up of what I've found tomorrow, in case it helps other people with the same issue. Not that its anyone business but my nephew works as a counsellor, not a job which lends itself to making dozens of phone calls and being on hold all day so I volunteered my time.

So far the feedback is "You dont want to be a driver starting out in Ireland" basically
They all want 1 years no claims bonus but none are willing to insure people before that, which seems a bit selfdefeating for an industry. I'll continue. As I said, I'll do a round up tomorrow and tell you all my findings.

Many thanks for the help, its greatly appreciated.

Tom.

I'd try a large broker or perhaps whoever yourself or one of his folks are insured with. Many moons ago (1999) Hibernian insured me at 18 with a provisional and 0 driving experience on my own policy as the folks had car insurance and house insurance with them, it was well weird at the time, they actually seemed to want the business.

As Alan has mentioned I would be thinking a quote of under €1000 would be in order.

Mar4ix

try brokers, as they sometimes using other EU insurance companies, who has rights do insurance in Ireland. Id recommend Arachas insurance brokers, they have access to other EU insurance companies.... at least they helped me, when i stuck with skyline 5 years ago as first car , with no NCB , and with EU license. Excess was 4 k though, but I am good driver ... i think :pac:

Unregistered.

djimi wrote: »

Could he manage for the next 6 weeks until he does the test? If he passes then that figure should come down a bit. If it was me Id be inclined to wait if at all possible.

On the flip side, shop around for a good quote now and get an estimate for insurance when he passes his tests. They will refund you the difference between the two premiums, minus the 6 weeks.

delly

I've heard of some companies increasing the premium once the test is passed, theory being that you no longer have an experienced driver by your side. Go figure.

Unregistered.

delly wrote: »

I've heard of some companies increasing the premium once the test is passed, theory being that you no longer have an experienced driver by your side. Go figure.

You're still required to have an experienced driver for two years after you pass.... the same as you're supposed to before you pass.

djimi

Unregistered. wrote: »

You're still required to have an experienced driver for two years after you pass.... the same as you're supposed to before you pass.

No youre not...

Jordan5372

Unregistered. wrote: »

You're still required to have an experienced driver for two years after you pass.... the same as you're supposed to before you pass.

LOL !

terrydel

DeVore wrote: »

So, my knowledge of cars, or lack thereof, is legendary. I thought cars were complicated until I agreed to help my nephew with his first car insurance... and feck me but they ask a lot of questions!

The skinny:
He's 31, provisional drivers license, sitting the test in 6 weeks, 0 no claims bonus, his car is a 1.4L Polo sitting waiting for insurance to be cleared (he's been a good boy and not driven it at all yet ).

I cant find anywhere that will insure him for anything other than silly money (1,700 euro).

Any advice? Is that a reasonable quote for him?
I'm completely lost with this, between litres and saloons and horse-gallons-per-furlong...

Sounds about right. Im 34, on a prov. and with 0 no claims and never been a named driver on a car up to now (Ive a full unrestricted bike license and 4 years ncb on that but it doesnt count a damn) and getting my first car Saturday. A 1.6. Thankfully I work in insurance, so I get a 50% discount, and its still just over 1k. Couldnt get a quote anywhere else, and technically my own employers only quote me as Im staff.
I need to get the test done and dusted.
Its tough, but you nephew like myself needs to just bite the bullet.

carleigh

Try JLT. I got a good price (compared to others) when I took out my first insurance policy last month.

Unregistered.

djimi wrote: »

No youre not...

Jordan5372 wrote: »

LOL !

I'm in the wrong country, aren't I?

S28382

Unregistered. wrote: »

You're still required to have an experienced driver for two years after you pass.... the same as you're supposed to before you pass.

Thats definitely not the case but i do believe it was talked about before around about the time the lerner permit came to be. The idea was to introduce a R plate to drivers who just got their full licence and they would be required to display R plates for 2 years.

Esel

Unregistered. wrote: »

I'm in the wrong country, aren't I?

Definitely. Here we say "Amn't I".