NO NONSENSE IS A NONSENSE

malcolmk

HI ive just gone on line for a quote on my motor insurance and ran through a few companys and got some reasonable quotes, then i tried NO NONSENCE.IE which is in our face every time we switch on our telly, i put in all my info and it came back "sorry we are unable to give a quote at this time". im driving 33yrs no penalty points, never had an accident or claim, am in full time employment and travel 12-15k miles p/a. So i rang this excuse for an insurance company and was told my 95 astra was too old to insure. my car has a full years NCT and 3mts tax, i thought the NCT was to keep cars unroadworthy off the road. Ive had my astra from new and is in perfect condition so how can they be allowed to do this. my wife has her insurance with this lot which is one reason i tried them. her ins is up soon and she wont be going anywhere near them again, anyone had similar treatment from this lot, Kevin

sheehan12

was it you or the car is too old:D

langdang

I'd use a lambswool mitt.

ArthurG

They also refused to quote me, as i drive a 'performance car'. Otherwise known as the Audi A5........

"What says I"
"A performance car says he"

Oops... just realsied what forum this is posted in

TestTransmission

Moved from DIY for obvious reasons.

sambucus

Was refused insurance by a few companies on my 1996 Peugeot 406 cut off year being 1998
It is a nonsense of course
Hate that perception that an old car is a dangerous car

dgt

*Nonsense

spiggotpaddy

Yeah but that Mags is little honey.

delad

sambucus wrote: »

Was refused insurance by a few companies on my 1996 Peugeot 406 cut off year being 1998
It is a nonsense of course
Hate that perception that an old car is a dangerous car

Old cars generally have poor safety ratings, new cars are in a different world in terms of safety features for driver/passengers and pedestrians.

OP why the fcuk would you want to give your business to a company which does intentionally annoying adverts, by choosing them you would just be encouraging them to continue doing that.

bobin fudge

my car is 22 years old now, I have been with the same insurance company the last 5 years now maybe more, when I got to renew next year could they do the same with me or is it more likely when you go to change insucarance companies that this happens?

jayok

Hmm.... I tried them too, but they told me that they can't insure my "High Performance Sports car"

I drive a Honda Accord tourer/estate... I had to ask for the response twice. Well at least it gave me a laugh.

tuborg_man

hmmm 2 brand new boarders giving out about 2 fbd owned insurance companys within 45 min.

http://www.boards.ie/vbulletin/showthread.php?t=2056767394

positron

But it's true though, they won't quote me on basic Accord 2.0 either - similar to op, 36 yrs, 6+ years NCB, no penalty points etc etc.

I guess they are specializing on a very narrow band of drivers/cars, that they presume as safer.

Chris_Heilong

Ireland is going to be a horrid place to live if insurance comanies are calling regular run of the mill cars 'performance'. We really someone to come in and give them a kick in the arse, I found it almost imposible to insure my FTO and am paying over 2k for the pleasure, my civic is JDM and is very hard to insure also, makes me sick as its just a Civic sport 1.5 run of the mill.

De Hipster

Got a fantastic deal this month from Sheridans (broker in Cavan), moved from Brittons (kept same insurer; Euro Insurances aka Wrightway):

• Fully comp
• Full NCB protection
• Breakdown, tow & replacement car
• Drive other cars
• Fire brigade call out (up to €375)
• Emergency overnight accom
• Replacement locks & keys
• Windscreen etc
• ...can't remember what else

03 CLK Kompressor Elegance, 11yrs NCB, no points or claims. Includes gov levy & all else...

€350

http://www.sheridaninsurances.com/

fasttalkerchat

De Hipster wrote: »

[*]Fire brigade call out (up to €375)

Out of interest do you have to pay the fire brigade normally after an accident?

De Hipster

fasttalkerchat wrote: »

Out of interest do you have to pay the fire brigade normally after an accident?

Think so ...in the region of €500 afaik (means my excess is normal)

fasttalkerchat

De Hipster wrote: »

Think so ...in the region of €500 afaik (means my excess is normal)

Ouch! And if I witness an accident and call 999 do I have to pay or does the driver pay, or whoever was at fault?

GhostInTheRuins

Chris_Heilong wrote: »

Ireland is going to be a horrid place to live if insurance comanies are calling regular run of the mill cars 'performance'. We really someone to come in and give them a kick in the arse, I found it almost imposible to insure my FTO and am paying over 2k for the pleasure, my civic is JDM and is very hard to insure also, makes me sick as its just a Civic sport 1.5 run of the mill.

Believe it or not, I was told that my 1.6 astra sxi was "too sporty" to insure by a company last month. What a joke.

It might have been no-nonsense now that I think about it.

De Hipster

fasttalkerchat wrote: »

Ouch! And if I witness an accident and call 999 do I have to pay or does the driver pay, or whoever was at fault?

Hmmm...no idea, think the individual responsible for the 'accident'. Similar to if I see your chimney on fire & call 999 - you're responsible where they have to deal - again I think!

Liamario

Just so people know; your NCT cert. is NOT a certificate of road worthiness.
It says it on the document/sticker.

Grolschevik

tuborg_man wrote: »

hmmm 2 brand new boarders giving out about 2 fbd owned insurance companys within 45 min.

http://www.boards.ie/vbulletin/showthread.php?t=2056767394

For what it's worth, I've also been giving out about them on Instruments and Accommodation recently! Really poor over the phone...

Merch

positron wrote: »

But it's true though, they won't quote me on basic Accord 2.0 either - similar to op, 36 yrs, 6+ years NCB, no penalty points etc etc.

I guess they are specializing on a very narrow band of drivers/cars, that they presume as safer.

What is that band though? I wonder.
Didnt realise FBD own no nonsense, just read the FBD thread, funny after the story they gave me when i was renewing, completely trashed "those online insurers" in a bid to press me to take their crappy offer.

think I need to go the broker route to get a discount from now, age doesnt help, nothing helps.

fasttalkerchat

De Hipster wrote: »

Hmmm...no idea, think the individual responsible for the 'accident'. Similar to if I see your chimney on fire & call 999 - you're responsible where they have to deal - again I think!

****! I'll think twice before calling someone an ambulance or fire brigade when across the border in future!

mathepac

fasttalkerchat wrote: »

****! I'll think twice before calling someone an ambulance or fire brigade when across the border in future!

It's not nice to call people names no matter where you are.

partyatmygaff

It seems that insurance companies view anything with a 0-60 time of less than ten seconds (or anything with a displacement above 1.4L regardless of performance) as being the equivalent to an F1 car.

What's even more annoying is the amount of insurance companies that refuse to even give you a quote if your car is over 1.6, 1.4, 1.2 or whatever displacement they think makes a car qualify as being "high performance".

rebel.ranter

I just realised I have been with the same insurance company for the past 19 years. Now that is scary. And also no nonsense in a real sense....

€350 ish I think they charged me for 3rd party f&t on the ZT (2.5), 31 with full no claims.

thecomedian

I think no nonsense/FBD have changed their car groups. I got quoted €1550 from them, after being insured with them over the last 12 years. Went yo an online broker and got it for 870, rang them up and it went down to 788. Huge difference

malcolmk

if id known NO NONSENCE and FBD were the same company id have stayed well clear, i had public liability ins with FBD some years ago and had major probs with them when they were called upon, ive had this car from new, its 17yrs old and minded like a child. what is the idea of an NCT if it is not to prove the car is roadworthy.

senordingdong

Isn't it against industry regulations to refuse to give a quote?

Don't they have to give you a quote, no matter how ludicrous it is?

spiggotpaddy

In fairness though they are very cheap, if you are in their goldilocks zone.
I got cover on a one six octy for two hundred euros. Cheaper than a decent set of rubbers.

Merch

spiggotpaddy wrote: »

In fairness though they are very cheap, if you are in their goldilocks zone.
I got cover on a one six octy for two hundred euros. Cheaper than a decent set of rubbers.

yes, but what are the parameters of that?

GhostInTheRuins

Merch wrote: »

yes, but what are the parameters of that?

45 year old female with full no claims bonus driving a 0.9 Micra in roscommon. <10,000km a year. Or something not too far from that I'd guess.

ofcork

I only paid 250 this year on a 1.6 aveniss tpft with full ncb and full licence 12 yrs 41yo male.

senordingdong

senordingdong wrote: »

Isn't it against industry regulations to refuse to give a quote?

Don't they have to give you a quote, no matter how ludicrous it is?

AFAIK you need evidence from two companies that they refused to insure you and if you go to a third they are obliged to provide you with a quote.

dr.fuzzenstein

positron wrote: »

But it's true though, they won't quote me on basic Accord 2.0 either - similar to op, 36 yrs, 6+ years NCB, no penalty points etc etc.

I guess they are specializing on a very narrow band of drivers/cars, that they presume as safer.

OK, not directed at positron, just my general rant.
And what's wrong with that?
I am sick of people giving out saying "Ooooh, they won't insure my 25 year old car/Scooby for tuppence!"
Of course they won't, they are a bargain basement outfit, think of them as Ryanair for insurance.
Lots of people give out about Ryanair too, but as with NoNonsense (and any other complaints about any brand), 99% of those complaints stem from "This company won't do what I want them to do!".
Of course they won't, they are not in the market to cater for individuals, they are in the market to cater for a demographic. If you don't fit it, don't expect them to change their business model for you.
If I want a cake with black frosting, monsters and spewing flame and I go to my local Dunnes, they will tell me "Sorry mate, don't do that". I'd have to go to a specialised baker who will custom make what I want. And then I'll pay for it, big time.
If I need goods/services, I go to a company that caters for my needs, not give out that a company that doesn't won't serve me.
Right now I drive an 06 CMax diesel. I am insured with NoNonsense and they charge me E330 a year.
I chose this car specifically because I needed to run a car fairly cheap and I knew they would insure me.
They won't insure the MX5, it's annoying, but whining at them isn't going to change it.

Though I do agree on one thing: Irish insurance companies all want to insure 5 year old 1.4 Corollas and Focuses and don't want to know about anything else. It's annoying, but unlikely to change anytime soon.

positron

lol.

Sure, there's nothing wrong with what they are doing, but may be they could be a bit more open about it - for instance, if you look at Eaglestar Ladystar, it's clear it's aimed at another (supposedly) safer demographic, and that's that. You wouldn't get many 30 year old men trying to get a quote off them, because it's clear who they are targeting. NoNonsense on the other hand has a name that implies they cover everything, and when you try a quote off them, they refuse to quote (as if it's our fault somehow). If they don't insure anyone on a 2.0l car, why don't they just state it somewhere up front - and filter out that type of applicants before submitting the quote? Well, that's all I have against them, really.

langdang

dr.fuzzenstein wrote: »

OK, not directed at positron, just my general rant.
And what's wrong with that?
I am sick of people giving out saying "Ooooh, they won't insure my 25 year old car/Scooby for tuppence!"

I'm entitled, I know my rights, it's discrimiNATION, I'm SPECIAL!
I'm calling Joe AND the Garda Ombudsman
:P :pac:

langdang

positron wrote: »

If they don't insure anyone on a 2.0l car, why don't they just state it somewhere up front - and filter out that type of applicants before submitting the quote? Well, that's all I have against them, really.

I was insured on 2 2.0L fairly cheap with No Nonseance, 123.ie is cheaper for me now though.

positron

Tht's good to know. Mkes you wonder wht the nrrow bnd NoNonsense is fter, or wht mkes Hond ccords's riskier thn your 2.2 cr. nyhow, 123 worked out cheper for me too nd I hve gone with them for yet nother yer.

PS: my key isn't working nymore.

dr.fuzzenstein

positron wrote: »

Tht's good to know. Mkes you wonder wht the nrrow bnd NoNonsense is fter, or wht mkes Hond ccords's riskier thn your 2.2 cr. nyhow, 123 worked out cheper for me too nd I hve gone with them for yet nother yer.

PS: my key isn't working nymore.

Which one?:D

malcolmk

i wasnt complaining about the price, i was not even given a quote, i have since gone to 123.IE (RSA) and got full comp for 229euro, so thats where i will stay, priced public liability too, very reasonable so FBD/NO NONSENCE have lost out on two policys now and hopefully many more after reading this thread, thanks all.

dr.fuzzenstein

Well, at E320 for me, they won't lose out on my policy.
My GF is another story. She was informed they don't insure snorting, rip-roaring, insane, baby murdering high performance vehicles such as her MX5.

Our man in Havana

Has anyone actually got a refusal to quote letter? They seem to go on the defensive if challenged for one and then produce a €5k quote.

pred racer

Our man in Havana wrote: »

Has anyone actually got a refusal to quote letter? They seem to go on the defensive if challenged for one and then produce a €5k quote.

I must do that next time.;)
I'm 42 full licence for 19yrs, full no claims and they wont quote me on a daysul alfa 159. With respect to dr fuzzenstien they are idiots.
Their adds should state.

Cheap quotes for people that fall within our very narrow selection criteria!
All insurance companies cherry pick their preferred market to a certain degree (thats why we shop around) but they take the biscuit. And as above they get very shirty when questioned.

pcardin

pred racer wrote: »

I must do that next time.;)
I'm 42 full licence for 19yrs, full no claims and they wont quote me on a daysul alfa 159.

Maybe they didn't understand that it's DIESEL your're talking about. :pac:

pred racer

Its diesel..........countrystyle laaaaaaaaaaaaaad

wonski

Our man in Havana wrote: »

Has anyone actually got a refusal to quote letter? They seem to go on the defensive if challenged for one and then produce a €5k quote.

Would it make a difference to anyone whether they got 5k figure before the letters, or after?
Drivers who got refusal letter from 3 or more companies are screwed anyway.

wonski

pred racer wrote: »

I must do that next time.;)
I'm 42 full licence for 19yrs, full no claims and they wont quote me on a daysul alfa 159. With respect to dr fuzzenstien they are idiots.
Their adds should state.

Cheap quotes for people that fall within our very narrow selection criteria!
All insurance companies cherry pick their preferred market to a certain degree (thats why we shop around) but they take the biscuit. And as above they get very shirty when questioned.

I am pretty sure you get covered elsewhere for similiar money (little money i mean).
What Nononsense offers is cheap insurance for narrow band of drivers.
I paid ~300 with 3 years NCB and 1.4. TP only, 500 excess and no extras, apart from Driving other cars extension (you pay extra for this with them).
Also, they put me on class1 business use only because i commute to work

It is not such a great deal, as you pay extra for everything else.
If my car was actually worth something, i wouldn't mind paying few hundreds extra and get better cover with another insurer.

I really don't understand what is wrong with Nononsense tactic.
If they don't quote you, go elsewhere.
For anyone with few years ncb there should be no problem to get insurance for good money.

Pedro K

dr.fuzzenstein wrote: »

If I want a cake with black frosting, monsters and spewing flame and I go to my local Dunnes, they will tell me "Sorry mate, don't do that". I'd have to go to a specialised baker who will custom make what I want. And then I'll pay for it, big time.

Although I recognise your point and to a certain extent I agree with it, the big difference is that having a cake with black frosting, monsters and spewing flame isn't a legal requirement.

Many insurance companies seem to be fairly unreasonable with their groupings and ratings. For instance, rating a hyundai coupe as a performance sports car...