I can't get insured at all :(

dingus12

To cut a long story short, I have been a named driver on my parents insurance since 2010, back in February of this year, I had an accident in my parents car, the claim is now settled etc.

I now have my own car, a 2002 1.9TDI PASSAT

I am having a lot of trouble getting any insurance on it, because of the accident, all insurance company's disregard the name driver experience,

so basically I am starting out from scratch and I have a claim to my name,

The only quote I could get so far is from xs-direct for 3350 euro with a massive 3 grand excess,

Which is completely insane, I would go for it if the excess wasn't so high. Should I have another crash I have to cough up 3k which I don't have.

Something info about me, I am 21 and living in donegal male, have a full licence 3 years.

Does anyone have any advice on getting on the road? Or do I just have to forget about driving my own car till I 27. as most companies ask have you had any accidents in the past 5 years, I also don't live at home any more so driving my parents car is not an option during the week, I still drive it at the weekends,

It's very frustrating having a normal car, almost 4 years driving experience with one accident and not being able to get on the road.

It also seems there is very little difference between insuring a 1.0 liter car and the passat once there is an accident to my name, both are over 3k with a 3k excess.

Galwayguy35

Try Creane and Creane Ltd , they are brokers based in Enniscorthy, I was in a similar situation and they insured me.

Can't tell you that the price will get any better but sure it's worth a phone call.

dingus12

Galwayguy35 wrote: »

Try Creane and Creane Ltd , they are brokers based in Enniscorthy, I was in a similar situation and they insured me.

Can't tell you that the price will get any better but sure it's worth a phone call.

Thanks, I know I'll be paying over 3k, but I'd like an excess of less than 1000 if possible, And if im lucky, a policy that allows me to drive other peoples cars as is possible with liberty insurance.

mr_edge_to_you

You can get insurance.

The problem is you have history of an accident, you're under 25, you live in a county with a poor record of young male drivers and you're driving a high powered car possibly. As a result the insurance companies have rated you as a higher risk driver.

From my own personal experiences there isn't too much wrong with the quote considering you are still a young driver. The excess is high though but you were always going to be penalised for the previous crash.

You might just want to stay as a named driver for the time being. Did you not price the insurance before buying the car?

kippy

See if you can get insured cheaper on a more realistic car. Change cars if so.

Peanut2011

dingus12 wrote: »

Thanks, I know I'll be paying over 3k, but I'd like an excess of less than 1000 if possible, And if im lucky, a policy that allows me to drive other peoples cars as is possible with liberty insurance.

Honestly you are looking for too much considering age, driving history and the size of the car.

Would you not have looked at the smaller engine cars for 2-3 years to build up your own driving record?

Senecio

mr_edge_to_you wrote: »

You can get insurance.

The problem is you have history of an accident, you're under 25, you live in a county with a poor record of young male drivers and you're driving a high powered car possibly. As a result the insurance companies have rated you as a higher risk driver.

From my own personal experiences there isn't too much wrong with the quote considering you are still a young driver. The excess is high though but you were always going to be penalised for the previous crash.

You might just want to stay as a named driver for the time being. Did you not price the insurance before buying the car?

kippy wrote: »

See if you can get insured cheaper on a more realistic car. Change cars if so.

Got to love a country where a 1.9TDi is "high powered" and "unrealistic". It really is a depressing place to run a car.

Liam McPoyle

You are 21, have no bonus, an accident on your record and you live in Donegal, an insurance black spot.

The above are facts you cannot do anything about.

The only real option is to get a smaller car, even a 1.4 will make a massive difference in comparison to a 1.9.

Have you tried Chill Insurance?

I used to work for them and they were usually fairly good for younger drivers, even with driving records that arent clean.

_Kaiser_

As above..

- You're male, 21, with a claim on your history and no NCB
- You live in Donegal
- You're driving an old 1.9 TDI Passat which is the new "boy racer mobile" in your age group
- Is it even Irish registered?

All of these are massive red flags to an insurance company I'm afraid. Either get a smaller car or pay the ridiculous quote you got are probably your only options.

dan_ep82

Id say at this stage a brokers is your best bet, it's where I'd start.

To be honest unless you change to a 1ltr micra I can't see the quote changing, even then only a fraction lower.

A TDI 90hp 1.5tonne car is hardly high powered cars. It works out as less power to weight ratio as a 1.3 na starlet.
At 21 I was driving an MR2 turbo for 600 tpft and owned starlet turbo's, mivec lancers, trueno bzr's and vti and sir civics before that and none went above 2k tpft , although the civic came close, and all were insured correctly. I honestly think its the claim and lack of ncb thats turning the qoute into such an ugly figure.

Kensington

As you've discovered, whether it's a 2.0TDI or a 1L Micra, you're going to be screwed over because of your age and your previous crash, car doesn't really matter at this stage.

As it is, a first timer starting out under 25 with no NCB will be looking at well above the €1500+ price range anyway for their first year, but your premium should progressively drop as you build up an NCB.

Are you going TPFT or fully comprehensive?
What if you add your father, mother, or both, as named drivers on your policy, any change in the quote?

Cleveland Hot Pocket

Could you not ask a parent to insure the car and get open driving?
Then wait till over 5 years passed since the incident so you dont have to disclose it!

Scortho

Cleveland Hot Pocket wrote: »

Could you not ask a parent to insure the car and get open driving?
Then wait till over 5 years passed since the incident so you dont have to disclose it!

Generally has a requirement that the person is 25 or older.

The biggest issue for the op is his driving history as well as the fact that he's in Donegal and it's a tdi. Where as before the highest risk car was a jdm, it's now going to be or will be a slammed on its arse vag.
Op Try get insurance on the likes of a fiesta. I'd be surprised if you have can't get a reasonable quote on one.

corktina

€3000 excess is surely not a problem. The main reason for Insurance is to pay for legal and medical cover, the value of the car is low and not impossible to replace should push comes to shove without recourse to your policy.

I'd say get a small engine car and sit out the 5 years.

djimi

Try ARB brokers. Im not sure what they are like currently, but when I tried them a few years ago they used to give decent enough quotes for higher risk drivers.

To be honest, if it were me Id forget about trying to insure the Passat, and instead get the smallest, cheapest car you can lay your hands on, one that you are happy to walk away from if needs be, and get the cheapest third party cover you can find. Keep your nose clean, build up some positive experience and a few years NCB, then you will find more doors open for you.

Red Kev

Change cars OP.

I'm in my 40's, clean driving record, no accidents. Insurance company wanted €460 for a diesel Passat as against €340 for a SAAB 9-3 with twice the power. (I was abroad for years and couldn't transfer my no claims back here so that's why it's a bit high).

The problem is, as somebody said earlier it's the new boy racer mobile and there's a fair few of them ending up in ditches on Saturday nights where I live. A Merc E220D of similar value would actually have been cheaper for me to insure as well.

Ironically the car would be cheaper to insure in Dublin 6 where I used to live, than where I'm living in Roscommon at the moment. But that's life.

Go online and get quotes for 1l Micras or 1.2 Fiestas, and be prepared to bite the bullet and drive a smaller car for a couple of years until you're quote is down. It will come down quickly after the first 12 and 24 months.

Cleveland Hot Pocket

djimi wrote: »

Try ARB brokers. Im not sure what they are like currently, but when I tried them a few years ago they used to give decent enough quotes for higher risk drivers.

To be honest, if it were me Id forget about trying to insure the Passat, and instead get the smallest, cheapest car you can lay your hands on, one that you are happy to walk away from if needs be, and get the cheapest third party cover you can find. Keep your nose clean, build up some positive experience and a few years NCB, then you will find more doors open for you.

Britton Insurance are another broker that I would reccomend along the same lines as ARB above
Call them, don't use online quotes

cantdecide

Cleveland Hot Pocket wrote: »

Britton Insurance are another broker that I would reccomend along the same lines as ARB above
Call them, don't use online quotes

+1

Years ago I got a quote on a 1.6 dual carb integra from AXA. Quinn wouldn't insure it at the time so I found a car and waited a few weeks until my renewal. Days before my insurance lapsed, I rang AXA to arrange the policy and they wouldn't. They said they don't insure Jap imports.

After much effin' and blindin' I rang Brittons and they arranged the policy... from AXA... declaring that the car was a Jap import.

I also agree that you're going to have to find some other car to appease the insurance companies. We all had to do it

Don't start me about AXA. My only other dealing with them was when I got travel insurance underwritten by them. I got a badly broken collar bone, a shattered shoulder blade and some broken ribs from a road accident while travelling. Between bad weather, transport problems, national strikes and all the other third world crapola, it took two weeks to get to civilisation. They paid for my surgery abroad and my travel expenses.

Wonderful right?? It was nothing to them to call me on my hospital bed several times and tell me the good news about the latest way they had found to NOT have to pay on my policy. The single worst thing about the whole ordeal was dealing with bloody AXA. It was as if their customer care policy is to frustrate you to the extent you simply give up and make other arrangements.

MetzgerMeister

Another reason for the Passat being expensive could be it's relationship with people your age. Years ago we had Civics etc. as high-premium cars due to the number of young lads in them. Nowadays it's Passats/A4s/Boras etc. that all these people are driving. The higher volume of a certain car on the road, the higher the risk it will be involved in an accident. It's not always the case but it it stands to reason that the risk increases with popularity.

I've been very happy with First Ireland brokers for the last number of years so I would consider them if I were you.

Cleveland Hot Pocket

MetzgerMeister wrote: »

Another reason for the Passat being expensive could be that it's relationship with people your age. Years ago we had Civics etc. as high premium cars due to the number of young lads in them. Nowadays it's Passats/A4s/Boras etc. that all these people are driving. The higher volume of a certain car on the road, the higher the risk it will be involved in an accident. It's not always true but it it stands to reason.

I've been very happy with First Ireland brokers for the last number of years so I would consider them if I were you.

I've always found them great to deal with but too expensive, for commercial, classic or normal motor insurance they were always the dearest

I have my daily driver insured through Britton, and the two classics insured through Campions.

timmy4u2

You are looking for an awful lot; Insurance on a 2.0 car, low excess and pemission to drive other cars.
Even without an accident and not living in Donegal it is a big ask.
Get whatever parent had you on your insurance before to get a 1.0l polo and register it In their name and have you as a named driver as before.
Incidentally why do you need to drive other cars?

jimgoose

timmy4u2 wrote: »

...Get whatever parent had you on your insurance before to get a 1.0l polo and register it In their name and have you as a named driver as before...

That's known in the trade as "fronting", is severely frowned upon, and won't really help. OP, aim lower and take your lumps for a few years.

timmy4u2

jimgoose wrote: »

That's known in the trade as "fronting", is severely frowned upon, and won't really help. OP, aim lower and take your lumps for a few years.

Might be in other situations but not here.
He has already been a named driver on one of his parents car so nothing new there.
They are just becoming a two car family to cater for the extra driving hours demand of their son.
I would assume that the OP is still a named driver if renewal time has not yet come up

Dr. Kenneth Noisewater

Cleveland Hot Pocket wrote: »

Britton Insurance are another broker that I would reccomend along the same lines as ARB above
Call them, don't use online quotes

+1

They're based in Donegal town, my missus used to use them.

corktina

jimgoose wrote: »

That's known in the trade as "fronting", is severely frowned upon, and won't really help. OP, aim lower and take your lumps for a few years.

what's more , his attempts to get cover will be on record and reverting to "other driver" status may not be the smartest move,

jimgoose

timmy4u2 wrote: »

Might be in other situations but not here.
He has already been a named driver on one of his parents car so nothing new there.
They are just becoming a two car family to cater for the extra driving hours demand of their son...

Mmm. They've never heard that one!

ironclaw

Just a note, I tried to get 'third party extension' i.e. The ability to drive other cars on my own policy insured as Third party, and it was absolutely no go under 25 unless I went with Liberty / Quinn. So if its essential that you can drive other cars on your own policy, then your only option is Quinn / Liberty. Bear in mind, thats completely different to an Open Drive clause.

Thread: http://www.boards.ie/vbulletin/showthread.php?t=2057026952

djimi

timmy4u2 wrote: »

Might be in other situations but not here.
He has already been a named driver on one of his parents car so nothing new there.
They are just becoming a two car family to cater for the extra driving hours demand of their son.
I would assume that the OP is still a named driver if renewal time has not yet come up

The OP does not live at home; they are not becoming a two car family.

oldyouth

djimi wrote: »

The OP does not live at home; they are not becoming a two car family.

And the OP has stated he owns the car.

Insurers have heard it all before lads

Cleveland Hot Pocket

oldyouth wrote: »

And the OP has stated he owns the car.

Insurers have heard it all before lads

There's his mistake.
He shouldn't own the car, his parent should own the car and he should be an occasional named driver.

timmy4u2

ironclaw wrote: »

Just a note, I tried to get 'third party extension' i.e. The ability to drive other cars on my own policy insured as Third party, and it was absolutely no go under 25 unless I went with Liberty / Quinn. So if its essential that you can drive other cars on your own policy, then your only option is Quinn / Liberty. Bear in mind, thats completely different to an Open Drive clause.

Thread: http://www.boards.ie/vbulletin/showthread.php?t=2057026952

Open driving is that anybody, within the paramaters laid down by the insurance company, may drive your insured car on your insurance.
Driving of other cars is what it says, with most insurance companies, but not all, reverting your comprehensive cover to third party while you are so driving.

djimi

Cleveland Hot Pocket wrote: »

There's his mistake.
He shouldn't own the car, his parent should own the car and he should be an occasional named driver.

He doesnt live at home. Either the parent is going to have to lie about where the car is kept most nights of the week, or they are going to have to use his actual address and make it blatently obvious that he is pulling a fast one.

timmy4u2

oldyouth wrote: »

And the OP has stated he owns the car.

Insurers have heard it all before lads

He is a no goer with a 2.0l passat.
I did say that his parent buy a 1.0l Polo.:(
Of course insurance companies have heard of it before. They cater for it, it brings them business and it is not subterfuge.

timmy4u2

djimi wrote: »

He doesnt live at home. Either the parent is going to have to lie about where the car is kept most nights of the week, or they are going to have to use his actual address and make it blatently obvious that he is pulling a fast one.

What Insurance companies dont allow the stated scenario because one of the insured has reason to leave home for college or work. If home is his address it is his address. No need to lie, you tell the truth.

tfromkerry

I would suggest getting your mother to insure the car in her name and put you on as a 2nd driver . be a name driver for a while and build your no claims again .

Other wise try these guys , i know a person who got a good quote on a 1.6 he was male mid 30s lost his no claims and only has a P licence .


http://www.firstireland.ie/index-2-personal-car.php

djimi

timmy4u2 wrote: »

He is a no goer with a 2.0l passat.
I did say that his parent buy a 1.0l Polo.:(
Of course insurance companies have heard of it before. They cater for it, it brings them business and it is not subterfuge.

Insurance companies will gladly take any amount of money that people want to throw at them without asking too many questions initially. But when it comes to them having to pay out the money, you can be damn sure that they will start asking the questions and find any way they can to reduce the amount that they have to pay out. The OP might get away with fronting, but equally they might find themselves in a situation where the insurance company are being sticky about paying out because they have discovered that the parents are not the main driver of the car (and this will not be hard to find out given that the car will not be at the family home for the majority of the time).

djimi

timmy4u2 wrote: »

What Insurance companies dont allow the stated scenario because one of the insured has reason to leave home for college or work. If home is his address it is his address. No need to lie, you tell the truth.

If the insured needs to leave home for work/college then the insured should have their own policy. A named driver is not supposed to be the primary driver of the vehicle, and if the named driver has the vehicle away from the policy holder for an extended period of time then there can be no argument made that they are not the primary driver.

timmy4u2

djimi wrote: »

Insurance companies will gladly take any amount of money that people want to throw at them without asking too many questions initially. But when it comes to them having to pay out the money, you can be damn sure that they will start asking the questions and find any way they can to reduce the amount that they have to pay out. The OP might get away with fronting, but equally they might find themselves in a situation where the insurance company are being sticky about paying out because they have discovered that the parents are not the main driver of the car (and this will not be hard to find out given that the car will not be at the family home for the majority of the time).

You are creating a scenario that does not exist and will not exist.
There is no "finding out" by the insurance company.Nothing subterfuge. You are up front and truthful from the start.
They cater for this; it brings them revenue and business.

djimi

timmy4u2 wrote: »

You are creating a scenario that does not exist and will not exist.
There is no "finding out" by the insurance company.Nothing subterfuge. You are up front and truthful from the start.
They cater for this; it brings them revenue and business.

If the OP tries to be up front and truthful from the start then they will be told to bugger off by the insurance company.

Whether or not the scenario ever actually plays our remains to be seen. If the OP has a fender bender that costs €500 to put right then they may not ask too many questions. If the OP were to crash into and write off a €60k Merc then you can be sure that the insurance company would have an interest in investigating it further.

tfromkerry

tfromkerry wrote: »

I would suggest getting your mother to insure the car in her name and put you on as a 2nd driver . be a name driver for a while and build your no claims again .

Other wise try these guys , i know a person who got a good quote on a 1.6 he was male mid 30s lost his no claims and only has a P licence .


http://www.firstireland.ie/index-2-personal-car.php

Doesn't work like this anymore most companies have copped on to this and will rate the highest rated driver. Even when they do that if you're in an accident as a named driver and are found to be the owner/main driver they won't pay a penny & will pursue you for the third party damage if any in some cases. They have really got strict on this & rightly so.

OP how much was the claim for? I work directly doing non standard stuff like this so I might be able to point you in the right direction. Did you have a full 3 years named prior to the claim without any breaks?

timmy4u2

djimi wrote: »

If the insured needs to leave home for work/college then the insured should have their own policy. A named driver is not supposed to be the primary driver of the vehicle, and if the named driver has the vehicle away from the policy holder for an extended period of time then there can be no argument made that they are not the primary driver.

I could not agree with you for one minute on that. Furthermore stating where the car is normally kept has to do with the chance of I t being stolen

Odyssey 2005

Where has the op gone to.
I don't see what the problem with the 3k excess is. A 2002 passat 1.9 is hardly worth that so why bother to fix it. The op's over 3k quote may be for fully comp ins. Try 3rd party only. The ins co as far as I know have to cover all 3rd party claims, so as he says himself "he would go for it if it wasn't for the high excess".
So what's stopping him.

The best advice as has been said numerous times is to get a smaller engined car and work up NCB's. :rolleyes:

pippip

Odyssey 2005 wrote: »

Where has the op gone to.
I don't see what the problem with the 3k excess is. A 2002 passat 1.9 is hardly worth that so why bother to fix it. The op's over 3k quote may be for fully comp ins. Try 3rd party only. The ins co as far as I know have to cover all 3rd party claims, so as he says himself "he would go for it if it wasn't for the high excess".
So what's stopping him.

The best advice as has been said numerous times is to get a smaller engined car and work up NCB's. :rolleyes:

The op would have to pay the 3K excess if they hit someone else's car. The passat may not be worth that but the other car could be.

timmy4u2

Odyssey 2005 wrote: »

Where has the op gone to.
I don't see what the problem with the 3k excess is. A 2002 passat 1.9 is hardly worth that so why bother to fix it. The op's over 3k quote may be for fully comp ins. Try 3rd party only. The ins co as far as I know have to cover all 3rd party claims, so as he says himself "he would go for it if it wasn't for the high excess".
So what's stopping him.

The best advice as has been said numerous times is to get a smaller engined car and work up NCB's. :rolleyes:

It did cross my mind that he was looking at comprehensive insurance.
I suppose he cannot post and drive at the same time.:)

djimi

pippip wrote: »

The op would have to pay the 3K excess if they hit someone else's car. The passat may not be worth that but the other car could be.

I could be wrong but I thought the excess only applies to claims you make for your own car?

Odyssey 2005

pippip wrote: »

The op would have to pay the 3K excess if they hit someone else's car. The passat may not be worth that but the other car could be.

Sy my mistake so. I thought excess only applied to the comprehensive side of a claim,the rules must have changed, my bad. Still should off load and get smaller car for few years.
Cheers

djimi

timmy4u2 wrote: »

I could not agree with you for one minute on that. Furthermore stating where the car is normally kept has to do with the chance of I t being stolen

Its the way that insurance works in this country; a named driver is not supposeed the primary driver. Im not quite sure what you are disagreeing about?

pippip

Each Insurance company are different with the excess and third party. Some you pay others you don't, need to check policy.

djimi

Odyssey 2005 wrote: »

Sy my mistake so. I thought excess only applied to the comprehensive side of a claim,the rules must have changed, my bad. Still should off load and get smaller car for few years.
Cheers

Im not sure if its the same for every company, but the below seems to suggest that the excess does not apply to third party claims:

http://www.onedirect.ie/general_insurance/gi_car_faq.html#Excess

No excess applies to windscreen claims or to third party fire & theft cover.

http://www.fbd.ie/info/

With FBD no excess applies to Third Party, Fire, Theft or Windscreen claims.

http://www.theaa.ie/AA/Insurance/Car-Insurance/Car-Insurance-Claims.aspx#Q5

You will only have to pay your own excess and not the third party's excess.

Odyssey 2005

The op would have to pay the 3K excess if they hit someone else's car. The passat may not be worth that but the other car could be

.Each Insurance company are different with the excess and third party. Some you pay others you don't, need to check policy.

Pipp
These are your last two posts, which one is correct. To me the contradict each other.

Cleveland Hot Pocket

Excess only applies to comprehensive claims.
I had a 3rd party claim off me in 2011 and I had a 1k excess which I did not have to pay.