AA car insurance not on list of options

ROY RACE

im getting insurance with another company and they want my previous insurer-aa is not listed anyone know who owns them

cheers:(

Liam McPoyle

AA are a brokers, you will need to check the policy documents to see who the actual underwriter is.

oldyouth

Insurer will be on the Disc if you can't locate your policy

alexonhisown

We got house ins with AA yesterday and they are RSA. Dont know if car ins is the same

whomitconcerns

They use axa for car insurance

Dord

whomitconcerns wrote: »

They use axa for car insurance

They use a variety of insurers. I've been insured with Zurich via AA and now currently Axa via AA. So it's best to check.

ninty9er

What's the policy number format?

I couldn't say definitively but I could hazard a guess based on the format.

X/xx/xxxxxxxx is generally AXA,
Aviva use various but MY or MR are the start of most broker policies
Zurich generally 0xPMV

V.W.L 11

Been with axa 7 years,and their renewal premium is crazy,thats axa direct,however using the AA they found axa are 1/3 cheaper than they are directly,funny insurance system in this country :rolleyes:

bazz26

There is no conspiracy. It is quite normal for brokers to get a lower premium from an insurance companies than you getting one directly from the same insurance company. They can negotiate a discount for bulk buying of policies and introducing new business. It happens in other areas of business too.

V.W.L 11

bazz26 wrote: »

There is no conspiracy. It is quite normal for brokers to get a lower premium from an insurance companies than you getting one directly from the same insurance company. They can negotiate a discount for bulk buying of policies and introducing new business. It happens in other areas of business too.[/QUOTE
I was all set to accept that policy until Allianz quoted me 200 euro cheaper than the AA,bloody hell,and I agreed in principle to go with the aa,i wonder can I do a u turn on them???

Liam McPoyle

V.W.L 11 wrote: »

bazz26 wrote: »

I was all set to accept that policy until Allianz quoted me 200 euro cheaper than the AA,bloody hell,and I agreed in principle to go with the aa,i wonder can I do a u turn on them???

Of course you can. Even if you had paid legally there is a 14 day cooling off period where you are entitled to a full refund.

V.W.L 11

Coleman Slawski wrote: »

V.W.L 11 wrote: »

Of course you can. Even if you had paid legally there is a 14 day cooling off period where you are entitled to a full refund.

thanks OP

slimjimmc

Coleman Slawski wrote: »

Of course you can. Even if you had paid legally there is a 14 day cooling off period where you are entitled to a full refund.

Not a full refund. They are entitled to charge you pro-rata for the number of days cover you have enjoyed. The 14 days thing just means you can't be charged a penalty for early termination.

V.W.L 11

slimjimmc wrote: »

Coleman Slawski wrote: »

Not a full refund. They are entitled to charge you pro-rata for the number of days cover you have enjoyed. The 14 days thing means you can't be charged a penalty for early termination.

I've paid nothing yet

slimjimmc

V.W.L 11 wrote: »

I've paid nothing yet

You may not have a contract and therefore are not covered nor liable for pro-rata payments. I've never been able to renew without providing some kind of payment details, such as card, DD, or installments.
http://www.axa.ie/car-insurance/car-insurance-summary/

Once you have confirmed your details and purchased your car insurance policy, you are covered to drive immediately.

Cooling-off period
If you are unhappy with your new policy, you can cancel within 14 days by giving notice in writing and returning the certificate of insurance to us. We will work out the premium for the period we have been insuring you on a pro rata basis plus an administration charge and refund the balance providing no claims have been made on your policy. You will be charged a pro rata premium or €35 whichever is more for the period you were on risk and this will be deducted from the full premium paid to determine the refund due to you.

V.W.L 11

slimjimmc wrote: »

You may not have a contract and therefore are not covered nor liable for pro-rata payments. I've never been able to renew without providing some kind of payment details, such as card, DD, or installments.
http://www.axa.ie/car-insurance/car-insurance-summary/

they are due to take the deposit out of my account in 2 weeks time as i gave them all my details yesterday,think i will withdraw that plan on Monday morning.i doubt they'll come down 200 euro to match a rival

pred racer

V.W.L 11 wrote: »

they are due to take the deposit out of my account in 2 weeks time as i gave them all my details yesterday,think i will withdraw that plan on Monday morning.i doubt they'll come down 200 euro to match a rival

In the 14 day cooling off period you get a full refund.
Give them a call, they dropped my quote the other day by €215 when I told them I got a better quote elsewhere. (And I wasn't with them to start with)

V.W.L 11

pred racer wrote: »

In the 14 day cooling off period you get a full refund.
Give them a call, they dropped my quote the other day by €215 when I told them I got a better quote elsewhere. (And I wasn't with them to start with)

what companies were they OP??? i'm dealing with AA/Allianz,leaving Axa to join one of those 2

pred racer

V.W.L 11 wrote: »

what companies were they OP??? i'm dealing with AA/Allianz,leaving Axa to join one of those 2

AA, don't know who the underwriter is going to be.

V.W.L 11

pred racer wrote: »

AA, don't know who the underwriter is going to be.

most likely axa,it is in my case.

slimjimmc

pred racer wrote: »

In the 14 day cooling off period you get a full refund.

Their T&Cs say otherwise (see Post 15) and I'm sure that any customer would have had to consent to this. He should expect the agreed charges to be drawn down from his account.

pred racer wrote: »

Give them a call, they dropped my quote the other day by €215 when I told them I got a better quote elsewhere. (And I wasn't with them to start with)

Agreed. You usually get a better deal when you haggle or can show cheaper quotes for similar cover. Consider the initial quote as an invitation to haggle.

V.W.L 11

slimjimmc wrote: »

Their T&Cs say otherwise (see Post 15) and I'm sure that any customer would have had to consent to this. He should expect the agreed charges to be drawn down from his account.


Agreed. You usually get a better deal when you haggle or can show cheaper quotes for similar cover. Consider the initial quote as an invitation to haggle.

haggled to the last,best I got was 490,which I am delighted with Allianz all the way until next years renewal at least