Insurance: NCB after period of no car

scrgirl

Asking on behaf of my OH. He is French living in Ireland @7 years, since here he has not driven. He needs to get a car now and is having difficulty getting a quote. Most companies need to see at least 1 year no claims before even quoting. He has heard if he gets his NCB certifiicate from france Translated by the embassy he could get quote, however although he has almost 10 years no claims in France it is 7 years since he was insured in France, would this NCB Certificate be valid? If he goes to the trouble of getting it and getting it translated would it be recognised by Irish Insurance Companies? TIA.

biko

Tbh I'm not sure Irish companies will accept his French history.
Besides it's many years since he last drove and Irish companies won't even accept each others after 2 years or so.
A foreign friend couldn't get his history moved but he took the Ignition course with Aviva and got a deduction that way.

You can just walk into some of the insurance offices, or ring, and check if they would consider his old history.

Scortho

Ncb generally has a 2 year expiry date.

His best bet would be to ring and ask but I doubt it as its been longer than two years and outside Ireland and the uk.

His best bet would probably to get insured on a very small engined car (micra for example) get 1 years Ncb and then get something bigger and better.
How many companies have you tried?
Have you tried brokers. Xsdirect?

I got my first insurance policy with no Ncb on a provisional licence with liberty. Again like all insurance it differs in price between individuals.

scrgirl

Scortho wrote: »

Ncb generally has a 2 year expiry date.

His best bet would be to ring and ask but I doubt it as its been longer than two years and outside Ireland and the uk.

His best bet would probably to get insured on a very small engined car (micra for example) get 1 years Ncb and then get something bigger and better.
How many companies have you tried?
Have you tried brokers. Xsdirect?

I got my first insurance policy with no Ncb on a provisional licence with liberty. Again like all insurance it differs in price between individuals.

Just tried Xsdirect online quote, seems they will quote, thanks for that, But €889
eeek!

Scortho

scrgirl wrote: »

Just tried Xsdirect online quote, seems they will quote, thanks for that, But €889
eeek!

Ring insurers. Don't bother with online quotes.
I can't get a quote online fo my car yet can handily get a decent quote when I ring up.
899 isn't bad for someone with no valid Ncb.
I'd still check with them if they'd accept his Ncb as I may be wrong.

scrgirl

Just wondering, if he is named driver on mine for a year the quote is much smaller, and he gets his year experience driving in Ireland, so if we did that but needed a second car could I be primary insured on both cars with him named on one?

Scortho

scrgirl wrote: »

Just wondering, if he is named driver on mine for a year the quote is much smaller, and he gets his year experience driving in Ireland, so if we did that but needed a second car could I be primary insured on both cars with him named on one?

You could but
1. Some insurers don't recognise named driving experience for Ncb purposes.
2. You can't share your Ncb bonus between cars.

scrgirl

So If I was insured on 2 I would only have my NCB on one? And be quoted as no driving experience on the other?

Scortho

scrgirl wrote: »

So If I was insured on 2 I would only have my NCB on one? And be quoted as no driving experience on the other?

Not as no driving experience. But as having no Ncb. If you get a second car and try to insure it they won't recognise the current Ncb

scrgirl

Ok THanks for your help

kermitpwee

Scortho wrote: »

Not as no driving experience. But as having no Ncb. If you get a second car and try to insure it they won't recognise the current Ncb

I have 2 cars insured in my name on 2 different policies with the same company, they mirrored the ncb on to the 2nd car. I am with axa, the only thing is I am the only driver insured on both cars so they know I am not trying to get someone else driving.

Scortho

kermitpwee wrote: »

I have 2 cars insured in my name on 2 different policies with the same company, they mirrored the ncb on to the 2nd car. I am with axa, the only thing is I am the only driver insured on both cars so they know I am not trying to get someone else driving.

Ill keep that in mind.
I was told a flat out no by liberty and a few others.

Op it's no harm asking and is worth a try.

derry

The insurance companies of Ireland are obliged to supply a quote .
The best is to write ot all of them and get a written response.
If every single Irish insurance company reuses you in writing then you take the letters to the Ombudsman for car insurance.
Now don't elude yourself that the Ombudsman for car insurance is on your side most Ombudsman for anything commercial are paid from the industry they work for so basically its most likely the Ombudsman for car insurance is paid buy all the insurance operators in ROI who have to cough up some money to this dog and pony show .
Think of a Ombudsman as the local mafia head and you got dispute with the local mafia wise guy so you take your problem to the head mafia guy to sort it .

So when you take your case to the Ombudsman for car insurance he will ring all the local extortion agents to ask why they wont do extortion for you.

Eventually one of them will crack and demand some outrageous extortion amount to insure you .The Ombudsman for car insurance will often say that's all he can do he has done his job found you the best extortion rates he can take it or leave it as he doesn't careless if the extortion levels would put you in the poor house .Then ensure you get in writing this extortion demand as anything spoken is just hear say deniable in court . Then you go back threatening the Ombudsman for car insurance with bad press exposure in France about the local mafia Ombudsman for car insurance extortion rates .
Then he should react and kick butt among the local hoods and get a lowwer extortion rate for you these local mafia types don't like bigger EU and french mafia bosses on their cases .

If for example no company in Ireland will Insure a person to drive who has legitimate car license happy days for them it seems if they got that in writing from all the companies as it seems in these people can drive without insurance legally as they have done their bit to find insurance and the local hoods insurance extortion agent have deserted their contract with the Irish government to supply extortion rate insurance policies. Then that would it seems that it goes back to the old system or contract where the government picked up the tab for all motoring accidents from private motorists .
Therefore there is no risk that will happen that the Insurance extortion mafia will upset sugar daddy mafia top boss the government so they go the other direction and demand huge extortion rates for insurance .
Yes in theory you can fight this but the Ombudsman for car insurance his job often to slow you down and drag it out until they can get the maxim extortion rate you will pay as a ombudsman pay is often dependent on the extortion rates from the local hoods he represents .

The exposure to international and particular French bad press can short circuit this slower process and put the skids under them to kick as and sort this .If you don't get it all in writing then your wasting your time they can lead you a merry dance and deny they even talked to you .
Hopefully you can sort these scum bag insurance extortion *eckers Ireland is crawling with .When I worked and lived in France motoring insurance was easy to get and not too expensive from those local extortion agents .As i worked before in Insurance in Eire i can promise you the Insurance agencies for car insurance are scum bags a few pegs below the real scum bags the banksters who steal the entire country

Derry

oldyouth

^^^^^^^^^^^

OP has an XS Direct quote

scrgirl

Derry you made me laugh but don't think I'd have the anger or energy in me to go down that road.

derry

scrgirl wrote: »

Derry you made me laugh but don't think I'd have the anger or energy in me to go down that road.

Well there is other ways to skin the cat but at least you know how the insurance players are just jumped up mafia hoods in suits so you can understand their logic

keep us posted " et bon chance dans le guerre contra les hommes des affairs ";)

Derry