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A guide to motor insurance & FAQ's

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    #572
    NATLOR
    Registered Users Posts: 2,287 ✭✭✭NATLOR


    Gooners wrote: »
    My insurance is due for renewal this week. I also need money for college for two kids. My insurance company does not facilitate payments spread out over the year. Can anyone recommend a company that does? Thanks.

    Try Aviva,
    they have a good online offer at the moment,they have come in at the cheapest for me for the last two years.
    Also I wrote my car off a couple of months ago and they were brilliant to deal with, got a very quick settlement and a decent price for the car


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    #573
    jimgoose
    Registered Users Posts: 20,175 ✭✭✭✭jimgoose


    jimgoose wrote: »
    I got my renewal today from AXA, and be ye warned that there was a leaflet inside setting out changes to the standard driving-other-cars extension, the most significant of which is now the engine size limit of 2,000cc, down from 2,500cc. I had to give them a few thumps this morning over the renewal price, but I will be "discussing" this with them as well, later in the week. :pac:

    Right. I was just on the phone to a nice lady at AXA, and she explained to me that, according to the underwriter, there is no engine size limit on the driving-other-cars extension when third-party only cover applies to the aforementioned "other cars". If however comprehensive cover, which is available to AXA customers of longer than three years, applies, there is an engine size limit of 2,000cc.


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    #574
    Alanvtec
    Registered Users Posts: 60 ✭✭Alanvtec


    Well lads:),

    Question I don't know if Im in the right place but can anybody tell me is there any car insurance company that covers the driving of other motorcycles provided it is not in your name ? I remember years ago I had a policy that stated I could drive motorcycles but that was about 6 years at this stage and I cannot for the life of me remember the company. Any help would be much appreciated:D.

    Regards

    Alan Costelloe


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    #575
    Liam McPoyle
    Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    Alanvtec wrote: »
    Well lads:),

    Question I don't know if Im in the right place but can anybody tell me is there any car insurance company that covers the driving of other motorcycles provided it is not in your name ? I remember years ago I had a policy that stated I could drive motorcycles but that was about 6 years at this stage and I cannot for the life of me remember the company. Any help would be much appreciated:D.

    Regards

    Alan Costelloe

    There are virtually no insurers in Ireland that cover motorcycles, never mind cover driving of other motorcycles under a car policy.

    :confused:

    Quinn Direct did some mad stuff in their day so perhaps it was them. Ive been working in insurance for almost 6 years and its something Ive never encountered anyway.


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    #576
    Alanvtec
    Registered Users Posts: 60 ✭✭Alanvtec


    Business Cat wrote: »
    There are virtually no insurers in Ireland that cover motorcycles, never mind cover driving of other motorcycles under a car policy.

    :confused:

    Quinn Direct did some mad stuff in their day so perhaps it was them. Ive been working in insurance for almost 6 years and its something Ive never encountered anyway.

    Nice one ya rang alot of insurance companies yesterday and thats exactly the answer i got, sound for the reply :D


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    #577
    Gooners
    Closed Accounts Posts: 388 ✭✭Gooners


    NATLOR wrote: »
    Try Aviva,
    they have a good online offer at the moment,they have come in at the cheapest for me for the last two years.
    Also I wrote my car off a couple of months ago and they were brilliant to deal with, got a very quick settlement and a decent price for the car

    Thanks for this, Natlor. Axa are doing it monthly and €80 cheaper. :D


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    #578
    jimgoose
    Registered Users Posts: 20,175 ✭✭✭✭jimgoose


    Yamanoto wrote: »
    Apparently Zurich took on a lot of new motor business last year & suffered a bit of a hammering which thye're now regretting, so quotes to current customers (me included) may well be deliberately pricey to reduce their exposure accordingly.

    Ha! They weren't too keen to take me on last year, after giving the previous few years duking it out with RSA via a broker for my custom! :)


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    #579
    jimgoose
    Registered Users Posts: 20,175 ✭✭✭✭jimgoose


    Business Cat wrote: »
    There are virtually no insurers in Ireland that cover motorcycles...

    For the record, there are four: Adelaide, AON, Carole Nash and Liberty Motor.


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    #580
    Gooners
    Closed Accounts Posts: 388 ✭✭Gooners


    Just realised Jimgoose suggested Axa. Fair play, mate. Well done.


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    #581
    jimgoose
    Registered Users Posts: 20,175 ✭✭✭✭jimgoose


    Gooners wrote: »
    Just realised Jimgoose suggested Axa. Fair play, mate. Well done.

    Cocaine and hoors to the usual P.O. box, please.


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    #582
    jimgoose
    Registered Users Posts: 20,175 ✭✭✭✭jimgoose


    jimgoose wrote: »
    For the record, there are four: Adelaide, AON, Carole Nash and Liberty Motor.

    This just in: Principal Insurance now quoting Irish motorcyclists.

    http://www.principalinsurance.ie/


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    #583
    Balinov
    Registered Users Posts: 40 ✭Balinov


    Hi Folks, need a little bit of advice here. I have an A4, 1.6Petrol, 4dr, 01reg in my property, living in Nort Co Dublin (P'marnock) area and been insured (with the Mrs as named driver. We're aged 36 and 35, both working professionals). I've a full EU driving licence for more than 10yrs, so does the better half. We're in the ROI for 7yrs and have irish reg'd car and full comprehensive motor insurance since 2009 (first victim was a Punto MK2). For years I was with Aviva (got discount as my private healthcare was with them, too

    Last year I've moved to 25plus.ie (AIG maybe?) who quoted me a bit less than 500€, all mod cons, wife included. My insurance policy is due for renewal on 21/05/2015 and as good foot soldiers, they've sent me their quote for the next insurance year for the same A4, which is 432€/yrs.

    Just over this weekend I happened to be available to trade in the A4 into an 07 Avensis (Strata, 1.6Petrol) and will be picking up the newcomer Tuesday evening. I was bold enough to think I can update the car on my current policy or get a quote from 25plus.ie on the new reg, but the computer said no...fair enough so far, maybe I'm really over the window their system would let me to swap the car on the existing policy.

    Obviously, read the FAQ and started to shop around - online at the first try - but the quotes (aviva, liberty, 123) I've got so far are shocking...cheapest would be Liberty with their cca 950 quid a year...rest is generally in the 1100-1300 range.

    Can't ring 25plus on Sundays but will 2morrow the first thing in the morning, but is it real a younger and more roadworthy car would cost me around a grand/year to insure? This doesn't make any sense tbh..If it matters the A4 worth about 2grand when I've moved from Aviva to 25plus, the Avensis was 5.5k with trade in. Update1: chill gave me the cheapest so far, 873/yr (KennCo Choice policy)

    Any recommendation would be more than welcome


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    #584
    delta_bravo
    Registered Users Posts: 4,567 ✭✭✭delta_bravo


    Balinov wrote: »
    Just over this weekend I happened to be available to trade in the A4 into an 07 Avensis (Strata, 1.6Petrol) and will be picking up the newcomer Tuesday evening. I was bold enough to think I can update the car on my current policy or get a quote from 25plus.ie on the new reg, but the computer said no...fair enough so far, maybe I'm really over the window their system would let me to swap the car on the existing policy.

    What do you mean they refused to swap the car? Was this over the phone or online? I don't know anything about the avensis strata but it may have a poorer rating in terms of safety or claims or it may be the specific car. Did you get a history report? If it has unpaid tax, nct, been declared a writeoff its going to be very highly rated.


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    #585
    Balinov
    Registered Users Posts: 40 ✭Balinov


    delta_bravo wrote: »
    What do you mean they refused to swap the car? Was this over the phone or online? I don't know anything about the avensis strata but it may have a poorer rating in terms of safety or claims or it may be the specific car. Did you get a history report? If it has unpaid tax, nct, been declared a writeoff its going to be very highly rated.

    Hi Folks, all sorted. Could swap online as the renewal date was too close to the current date, but gave a ring yesterday and a very professional customer service rep of 25plus sorted all for me. Still don't know if they managed to quote me (and the mrs as named driver) with a full comprehensive just a bit over 450€ how come the others were twice as expensive.


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    #586
    TheShow
    Registered Users Posts: 1,157 ✭✭✭TheShow


    Just got renewal quote.
    After a tree falling on the car while I was driving in January and writing the car off, I was expecting to see a jump in the policy price. Renewal has gone from c€850 to €2400. Seems a bit rich considering the accident wasn't my fault.
    Quote via chill with policy via Kenn Co.


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    #587
    MugMugs
    Registered Users Posts: 17,875 ✭✭✭✭MugMugs


    And were Kenn Co the underwriter for the policy which had the claim against it ?


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    #588
    Panrich
    Registered Users Posts: 3,768 ✭✭✭Panrich


    jimgoose wrote: »
    They seem to do great deals on the Web for new customers, but bear in mind you'll have to give them a few slaps next year, because they will try it on. :pac:

    Might be just me but I was quoted over twice the amount by them as 25plus.ie going as a new customer :(


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    #589
    hairycakes
    Registered Users Posts: 103 ✭✭hairycakes


    Hi, hope this is the right place but I am just wondering if anyone knows whether there is a time limit on when you need to claim windscreen replacement? My boyfriend and bringing his car in for the NCT next week and there is a pretty big crack on the passenger side of the windscreen which needs to be done first. Thing is it has been there for a few months now. So I want to know will there be any hassle from the insurance company (AXA) because it happened a while a go. If so, would he get away with saying it happened a few weeks a go.


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    #590
    NATLOR
    Registered Users Posts: 2,287 ✭✭✭NATLOR


    hairycakes wrote: »
    Hi, hope this is the right place but I am just wondering if anyone knows whether there is a time limit on when you need to claim windscreen replacement? My boyfriend and bringing his car in for the NCT next week and there is a pretty big crack on the passenger side of the windscreen which needs to be done first. Thing is it has been there for a few months now. So I want to know will there be any hassle from the insurance company (AXA) because it happened a while a go. If so, would he get away with saying it happened a few weeks a go.

    The amount of time the crack is there makes no difference at all,you don't even have to deal directly with the insurance company.You just give your policy details to the glass company (just check they are approved by your insurance company) and they take it from there


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    #591
    hairycakes
    Registered Users Posts: 103 ✭✭hairycakes


    Brilliant, thank you!


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    #592
    To Elland Back
    Closed Accounts Posts: 1,923 ✭✭✭To Elland Back


    NATLOR wrote: »
    The amount of time the crack is there makes no difference at all,you don't even have to deal directly with the insurance company.You just give your policy details to the glass company (just check they are approved by your insurance company) and they take it from there

    AXA now want you to register windscreen claims with them first before you use the approved repairer. Most others are as you say


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    #593
    Underpaid Mike
    Registered Users Posts: 852 ✭✭✭Underpaid Mike


    Just checking around and 25plus.ie is the cheapest by a country mile.
    It was half the price of chill who ive been with up until now

    600 vs 1290 on a 645 bmw with 6 years no claims.
    Now in fairness 600 is bonkers cheap


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    #594
    drinkingwater
    Registered Users Posts: 128 ✭✭drinkingwater


    aig xlnt driver (€456) or 25plus.ie extra(€442)?

    which one has a better customer service department? the xlnt app wouldn't bother me much, but probably better without it...

    30yr old m, 5 years no claims, 151 1liter car, 3 penalty points

    currently with allianz but i was rewarded with a quote of €650...

    thanks


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    #595
    Liam McPoyle
    Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    25 plus is cheaper and doesnt have big brother watching, no brainer really.


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    #596
    cson
    Registered Users Posts: 14,411 ✭✭✭✭cson


    I assume quotes are up this year? €705 from €550 thank you very much Zurich. A year older, wiser and claims & pp free.

    And I'd imagine ringing around will beat the online quotes? - Aviva are giving me €650 so I guess the starting point is to ring them all and see who can beat it?


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    #597
    jimgoose
    Registered Users Posts: 20,175 ✭✭✭✭jimgoose


    cson wrote: »
    I assume quotes are up this year?...

    Well, mine was €510 last year with AXA - things got a little complicated in the middle of the year as I added a young Fobbling Wedgling as a named driver - and they wanted €525 this year. The resulting conversation went something like this:

    Chungwan at AXA: Hello, what can I do you for?!?

    jimgoose: Yes, hello. About this quote of yours - I have deep religious issues with paying more than five hundert brick for it at this hour of my life, regardless of who's on it.

    CaA: OK - how about €490?

    jg: Rather better.

    CaA: OK. Do you want breakdown cover?

    jg: How much is that?

    CaA: €30

    jg: Hmm. How are we going to stay under that magic €500 at that rate??

    CaA: Here's what I'll do: €495, breakdown cover included. Cuttin' me own throat here, I am like.

    jg: Dale, bass!!


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    #598
    Myrddin
    Closed Accounts Posts: 33,733 ✭✭✭✭Myrddin


    My policy is up for renewal in about a month, so have just done a few John Doe online quotes - wow is all I can say. Massive increases all round! They should call it a no claims penalty at this stage :(


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    #599
    jimgoose
    Registered Users Posts: 20,175 ✭✭✭✭jimgoose


    Myrddin wrote: »
    My policy is up for renewal in about a month, so have just done a few John Doe online quotes - wow is all I can say. Massive increases all round! They should call it a no claims penalty at this stage :(

    That's arse, isn't it. What are you driving?


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    #600
    Myrddin
    Closed Accounts Posts: 33,733 ✭✭✭✭Myrddin


    jimgoose wrote: »
    That's arse, isn't it. What are you driving?

    An old Corolla, have to laugh at the €1500+ quote there from 123. Bit of a difference between that and last years €560 from FBD


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    #601
    jimgoose
    Registered Users Posts: 20,175 ✭✭✭✭jimgoose


    Myrddin wrote: »
    An old Corolla, have to laugh at the €1500+ quote there from 123. Bit of a difference between that and last years €560 from FBD

    That's comical, that is. My €495 above is full-comp for a sixteen-year old Jag the size of a yacht. :pac:


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