Get my full license, and 0% decrease in Insurance

So I passed the test at xmas, I'm a 27 year old male with 3 years no claim.

Went with Chill.ie this year as Aviva were clearing customers from their books(year 1: E1,400, year 2: E1,100 then they asked for E1900 last year) and they quoted me E700.
To touch on it, I'm not happy with Chill either as I paid a E120 deposit and then I'm due to pay 12 x E59 which amounts to well over E700(near 30% over)

Passed at Xmas and with the delays getting the licence, I only got it sent into them last week.
In theory, I should be a full license driver for 5 months of the 12 with Chill as even though there was a delay producing, it clearly states the date I obtained(Dec).

Just got confirmation back today that there's no change to my policy.
Does anyone think I've any grounds here?, why bother passing the test if it's not worth anything to me.
Also when I initially passed, I checked a few sites and with an EXTRA years no claim and full license at my age I wasn't looking at getting anything off the "E700" I was quoted this year.
Most places were E1000 :rolleyes:

theteal

Ah yeah, I remember getting my full licence a few years ago thinking it was going to make a big difference. I think my premium came down by €47 iirc, to say I was underwhelmed. . .

mickdw

Typically there always was a saving with full licence but I believe that was alot to do with the fact that provisional licence holders were driving around by themselves all the time and so having a full licence at least gave them some assurance as to your standard.
Now, given that there is much more strict rules on having a licensed driver with you when on provisional, it could be argued that you are now more of a risk than you were previously as you are now allowed out on the road alone whereas before, you would have had an experienced driver with you....
That is a load of crap but I have heard something very close to this being offered as a reason for not dropping the cost once test passed.

fl4pj4ck

gilberto_eire wrote: »

why bother passing the test if it's not worth anything to me.

well for example you can drive the car on your own without risking e2000 fine and 5 penalty points

CiniO

gilberto_eire wrote: »

So I passed the test at xmas, I'm a 27 year old male with 3 years no claim.

Went with Chill.ie this year as Aviva were clearing customers from their books(year 1: E1,400, year 2: E1,100 then they asked for E1900 last year) and they quoted me E700.
To touch on it, I'm not happy with Chill either as I paid a E120 deposit and then I'm due to pay 12 x E59 which amounts to well over E700(near 30% over)

Passed at Xmas and with the delays getting the licence, I only got it sent into them last week.
In theory, I should be a full license driver for 5 months of the 12 with Chill as even though there was a delay producing, it clearly states the date I obtained(Dec).

Just got confirmation back today that there's no change to my policy.
Does anyone think I've any grounds here?, why bother passing the test if it's not worth anything to me.
Also when I initially passed, I checked a few sites and with an EXTRA years no claim and full license at my age I wasn't looking at getting anything off the "E700" I was quoted this year.
Most places were E1000 :rolleyes:

Logically looking at it, up till you passed your test you were not really a driver.
You had your driving permit only for purposes of learning to drive, preferably with instructor.
So then once you passed your test, you are suddenly allowed to drive on your own - which might be considered higher danger as you don't have an experienced driver or instructor with you.
With that logic it makes perfect sense not to lower your premium.
I even heard some insurers increase them for people who just passed their test and are finally allowed to drive on their own.

theteal

theteal wrote: »

Ah yeah, I remember getting my full licence a few years ago thinking it was going to make a big difference. I think my premium came down by €47 iirc, to say I was underwhelmed. . .

Do you mean a drop of E47 on the following year or return on the year in transition?.
I was expecting a slight drop of some sort this year to the "E700" they initially offered.

Then I'd be expecting a drop again next year, even just on the basis that I haven't finished topping out the no claims discount.
I think one company I tried online were offering about E600-650 but it required putting some sort of monitoring device in the car.
I wouldn't really mind that tbh as I don't speed anyway, but there are some roads in the city that going 50kmph is unreasonable and I didn't get to check exactly what the device entailed as it was just a quick browse for curiosity.

mickdw wrote: »

Typically there always was a saving with full licence but I believe that was alot to do with the fact that provisional licence holders were driving around by themselves all the time and so having a full licence at least gave them some assurance as to your standard.
Now, given that there is much more strict rules on having a licensed driver with you when on provisional, it could be argued that you are now more of a risk than you were previously as you are now allowed out on the road alone whereas before, you would have had an experienced driver with you....
That is a load of crap but I have heard something very close to this being offered as a reason for not dropping the cost once test passed.

Isn't that kind of contradictory?.
By being a full license driver, you are classed as experienced(if not and its years driving, I'm going into my 4th) so you're taking the place of the "passenger" who had before.

I get the logic of it, but there has always been a trend of a decrease with a full license obtained. So while even applying the logic that its a new era, it's not how things were done historically.

Anyway I've no doubt I'll get a decrease in May with a shop around, but more concerned with what I could do to lower this years premium or if I'd no reason to ring and plead a case.

Supergurrier

Whatever you gain you will probably havelost in hidden administration ccharges when making the change to your policy.

Sad but true

Draenus

Passed my test recently too. I am with 25plus.ie went from 90 odd to 66 euro for payments for the remainder of the policy. Was about 3 payments into said policy. I find it strange yours did not drop OP maybe a new insurer is required.

Draenus

Passed my test recently too. I am with 25plus.ie went from 90 odd to 66 payments for the remainder of the policy. Was about 3 payments into said policy. I find it strange yours did not drop OP maybe a new insurer is required.

guil

Gone are the days when I was paying €3800 tpft on a 1.4 focus. Passed the test and it dropped to €2200 or thereabouts.

Kevwoody

guil wrote: »

Gone are the days when I was paying €3800 tpft on a 1.4 focus. Passed the test and it dropped to €2200 or thereabouts.

Reminds me of when I started driving in 2002

Bought a 1997 106 1.1 litre for €3000, and as I was on a provisional Quinn Direct were the only company that would insure me.

Paid them €4900 for the first year, got my full license and renewed it for €1700 the following year!

Greenmachine

gilberto_eire wrote: »

So I passed the test at xmas, I'm a 27 year old male with 3 years no claim.

Went with Chill.ie this year as Aviva were clearing customers from their books(year 1: E1,400, year 2: E1,100 then they asked for E1900 last year) and they quoted me E700.
To touch on it, I'm not happy with Chill either as I paid a E120 deposit and then I'm due to pay 12 x E59 which amounts to well over E700(near 30% over)

Passed at Xmas and with the delays getting the licence, I only got it sent into them last week.
In theory, I should be a full license driver for 5 months of the 12 with Chill as even though there was a delay producing, it clearly states the date I obtained(Dec).

Just got confirmation back today that there's no change to my policy.
Does anyone think I've any grounds here?, why bother passing the test if it's not worth anything to me.
Also when I initially passed, I checked a few sites and with an EXTRA years no claim and full license at my age I wasn't looking at getting anything off the "E700" I was quoted this year.
Most places were E1000 :rolleyes:

What has the date you passed got to do with anything if you waited five months to send the documents in anything past 7-8 months into a policy you will likely see no benefit in that year. If you were just into a new policy you might see something. I said might for a reason. Back in 2004 I got my full motorcyle license. Insurance was just shy of €2k, AON would touch my bike. I was two months into the policy, immediately sent in proof of passing. I got back less than €50. Cue the following year where two thing made my policy. Passing the test knocked about 30% off the new quote on top that being 25 halved the remainder ended up with a policy of about €600. Shopping around a few years after that as in 1-2 years later and I was looking at quotes of about €400. While the insurers can't discriminate the price of the policy based on gender any more they still put a loading on for things like age. Now that you have passed you should be in a great position to shop around.

Caliden

Kevwoody wrote: »

Reminds me of when I started driving in 2002

Bought a 1997 106 1.1 litre for €3000, and as I was on a provisional Quinn Direct were the only company that would insure me.

Paid them €4900 for the first year, got my full license and renewed it for €1700 the following year!

Christ!! :eek:

I remember mine being 2200 for the first year on provisional but I was 21 at the time.

Greenmachine

Greenmachine wrote: »

What has the date you passed got to do with anything if you waited five months to send the documents in anything past 7-8 months into a policy you will likely see no benefit in that year. If you were just into a new policy you might see something. I said might for a reason. Back in 2004 I got my full motorcyle license. Insurance was just shy of €2k, AON would touch my bike. I was two months into the policy, immediately sent in proof of passing. I got back less than €50. Cue the following year where two thing made my policy. Passing the test knocked about 30% off the new quote on top that being 25 halved the remainder ended up with a policy of about €600. Shopping around a few years after that as in 1-2 years later and I was looking at quotes of about €400. While the insurers can't discriminate the price of the policy based on gender any more they still put a loading on for things like age. Now that you have passed you should be in a great position to shop around.

No, you're taking me up wrong.

I started the policy in May, passed on the 21/12, but with the delay in the new license centre I only sent the copy in last week and received correspondence back today.

Even though they only got the copy now, it still states on the licence that it was issued well in advance of when they received the copy due to the issuing delays.
So I was expecting a little something off for the last 5 months of the term.

I was a little disappointed after checking around in Jan that with 4 years and the full at near 28, there wasn't much to be saved and most sites were offering far in excess of E1000 with only one offering a reduction.
I didn't get to check everywhere though, but I'm sure I'll get somewhere down around E500 which I'd be expecting at this stage.

Just wanted to know had I any grounds to complain about the lack of drop for the remaining 5 months as it should amount to something.

djimi

If you have been paying €700 without a license then Im not really sure how much you expected it to drop by? You might have three years NCB but you have less than a years licensed experience, and given that your premium was very good to start with, I wouldnt be expecting a huge drop.

Insurance generally speaking doesnt work on a the basis of 12 months either; generally speaking policies are paid over 9-10 months (if you were to cancel a policy after this point in the year you most likely would get nothing back), so any refund that you might have been due as you get close to the 10 month mark would be fairly small.

SamAK

Kevwoody wrote: »

Reminds me of when I started driving in 2002

Bought a 1997 106 1.1 litre for €3000, and as I was on a provisional Quinn Direct were the only company that would insure me.

Paid them €4900 for the first year, got my full license and renewed it for €1700 the following year!

4900 Euro? Are you fcuking joking!?

I paid less than half that to Quinn in 2008 when I was 17 on a provisional. Bigger engine too.

I spose 2002 was still boom-time....

Greenmachine

gilberto_eire wrote: »

No, you're taking me up wrong.

I started the policy in May, passed on the 21/12, but with the delay in the new license centre I only sent the copy in last week and received correspondence back today.

Even though they only got the copy now, it still states on the licence that it was issued well in advance of when they received the copy due to the issuing delays.
So I was expecting a little something off for the last 5 months of the term.

I was a little disappointed after checking around in Jan that with 4 years and the full at near 28, there wasn't much to be saved and most sites were offering far in excess of E1000 with only one offering a reduction.
I didn't get to check everywhere though, but I'm sure I'll get somewhere down around E500 which I'd be expecting at this stage.

Just wanted to know had I any grounds to complain about the lack of drop for the remaining 5 months as it should amount to something.

My first line I said anything after 7 months into the policy you would be lucky to get anything. Now you have said policy started may, passed test december. That's 7 months.
The way most policies work is thus
2 week to change your mind no cost
2-4 weeks insurance company keeps 30% of premium
1-2 months insurance company keeps 40%
by the time you get to
6-7 months of policy insurance company keeps 90%
leave 10% of your remaining premium to calculate a reduction against.

Greenmachine

SamAK wrote: »

4900 Euro? Are you fcuking joking!?

I paid less than half that to Quinn in 2008 when I was 17 on a provisional. Bigger engine too.

I spose 2002 was still boom-time....

I well believed that. I repeatedly got quotes on car insurance for similar price around 2002-2003. Would have been 22-23. Ended up waiting year to move to cars.

ProudDUB

My policy only went down by about 50 quid when I switched from a learner permit, to a full license a couple of years ago. I had a full license from the US, so I was already on a pretty sweet deal. But I still expected to get more off the policy than a mere 50 quid. When I asked why it was such a paltry discount, I was told that the main factor in the price of the policy, was how many years of driving history I had, not the type of license I had.

The license type did matter, just not as much as I thought it would. When I switched from a learner permit to a full license, I still had the same number of years of driving history under my belt. As that did not change at all, the cost of my insurance did not change all that much either. :mad:

Liam McPoyle

gilberto_eire wrote: »

No, you're taking me up wrong.

I started the policy in May, passed on the 21/12, but with the delay in the new license centre I only sent the copy in last week and received correspondence back today.

Even though they only got the copy now, it still states on the licence that it was issued well in advance of when they received the copy due to the issuing delays.
So I was expecting a little something off for the last 5 months of the term.

I was a little disappointed after checking around in Jan that with 4 years and the full at near 28, there wasn't much to be saved and most sites were offering far in excess of E1000 with only one offering a reduction.
I didn't get to check everywhere though, but I'm sure I'll get somewhere down around E500 which I'd be expecting at this stage.

Just wanted to know had I any grounds to complain about the lack of drop for the remaining 5 months as it should amount to something.

The bolded parts are the crux of the matter.

There are only 2 months left on your policy.

The insurance company or broker are not obliged to back date premium rebates when its the customers fault ie you didnt send in the paper work to prove you had passed your test, they can only do it from the date they receive the documentation.

Premium rates tend to harden in December/January so I wouldnt be getting into a lather about the prices you were getting.

Wait til you get your renewal notice from Chill, they will rebroke the policy and send you the cheapest like for like alternative.

Cabaal

Got my full license 6 months after getting my learner permit when I was 28,

Insurance on my learning permit fully comp cost me 1,000e, when I got the full license I got around 100e refunded.
When I renewed the following year i paid 700e for insurance also fully comp.

robot7080

Sure they have you locked in for the year anyway... if you cancel you probably get screwed with cancellation fees etc. You could try and call their bluff and ring up telling them you want to cancel and 'see if they can ask their supervisor' to apply a discount?

To put it into perspective I'm 25, Full 3 years and 3 years named driver NCB. I pay €505 total (total of my DD payments)

CiniO

SamAK wrote: »

4900 Euro? Are you fcuking joking!?

I paid less than half that to Quinn in 2008 when I was 17 on a provisional. Bigger engine too.

I spose 2002 was still boom-time....

My first insurance on my first car (Fiat Cinquecento Sporting) in 2001 was about €80 for a year.
I was 19 at that time.
It would be double that, but I could use my father's NCB.

But that was in Poland

coolisin

SamAK wrote: »

4900 Euro? Are you fcuking joking!?

I paid less than half that to Quinn in 2008 when I was 17 on a provisional. Bigger engine too.

I spose 2002 was still boom-time....

2000/2001 my mate had a 93 peogeot 205, he paid £1500 for it and his third party fire and theft insurance was double the price of the car at £3000 for the year. I was insured at the same time on my mothers car and it was over £1000 extra on top of her policy for me.

and OP looks like you where just too late into the insurance policy to get anything back for last year.

readytosnap

You may well see a difference when you renew as opposed to midway through a policy