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Am I stuck with my car insurance company?

  • 17-12-2014 6:24pm
    #1
    Little CuChulainn
    Closed Accounts Posts: 7,624 ✭✭✭


    I just got a callback from a car insurance company I applied for an online quote for. They asked whether I had been involved in any accidents in the last 5 years. I told them I had been hit by a stolen vehicle in a hit and run earlier this year. I was driving a work vehicle under my employers insurance at the time. They stated I would not be able to get a quote due to this event and would have to remain with my current insurer.

    Is this correct? It seems more than a little unfair.


Comments

  • #2
    slimjimmc
    Registered Users, Registered Users 2 Posts: 7,786 ✭✭✭slimjimmc


    Just try another insurer.

    Moved to Motors


  • #3
    Little CuChulainn
    Closed Accounts Posts: 7,624 ✭✭✭Little CuChulainn


    slimjimmc wrote: »
    Just try another insurer.

    Moved to Motors

    It was Chill. They said no company would be able to quote me due to regulatory restrictions.


  • #4
    slimjimmc
    Registered Users, Registered Users 2 Posts: 7,786 ✭✭✭slimjimmc


    Little CuChulainn wrote: »
    It was Chill. They said no company would be able to quote me due to regulatory restrictions.
    Chill are brokers, not an insurer. Try the insurers directly or a different broker. Unless you have a bad risk profile it's unlikely every other insurer would refuse to take you on. You mightn't like the price though.


  • #5
    To Elland Back
    Closed Accounts Posts: 1,923 ✭✭✭To Elland Back


    Little CuChulainn wrote: »
    It was Chill. They said no company would be able to quote me due to regulatory restrictions.

    As Slimjimmc said, they are just brokers and in no position to speak on behalf of all insurers. A bit of leg work involved, but you will eventually find an insurer to meet your profile


  • #6
    kay 9
    Registered Users, Registered Users 2 Posts: 2,676 ✭✭✭kay 9


    So you were the innocent party in the hit & run and your the one that gets heat from insurance brokers/companies? I know this is probably regulation but without a doubt one of the maddest things I've ever heard. Best of luck


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  • #7
    Little CuChulainn
    Closed Accounts Posts: 7,624 ✭✭✭Little CuChulainn


    To Elland Back wrote: »
    As Slimjimmc said, they are just brokers and in no position to speak on behalf of all insurers. A bit of leg work involved, but you will eventually find an insurer to meet your profile

    That would be my intention. It's just that she said it was a regulatory thing and I wouldn't be able to move insurer.


  • #8
    To Elland Back
    Closed Accounts Posts: 1,923 ✭✭✭To Elland Back


    kay 9 wrote: »
    So you were the innocent party in the hit & run and your the one that gets heat from insurance brokers/companies? I know this is probably regulation but without a doubt one of the maddest things I've ever heard. Best of luck

    Its about a claim, not blame. If you cannot recover outlay from the wrongdoer, it stays with you


  • #9
    To Elland Back
    Closed Accounts Posts: 1,923 ✭✭✭To Elland Back


    Little CuChulainn wrote: »
    That would be my intention. It's just that she said it was a regulatory thing and I wouldn't be able to move insurer.

    Now that's the sort of blatant misinformation that should be reported to the Regulator.Shocking to think a professional could say that. Usual (but not universal) market practice does not mean you cannot move insurers.


  • #10
    Liam McPoyle
    Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    To Elland Back wrote: »
    Now that's the sort of blatant misinformation that should be reported to the Regulator.Shocking to think a professional could say that. Usual (but not universal) market practice does not mean you cannot move insurers.

    Not necessarily.

    OP, is the claim still outstanding?

    If it is then Id imagine thats why Chill told him he will have to stay with his own insurers.

    Best bet is going directly to companies and ringing them. I feel it would be very harsh if they all declined to quote.


  • #11
    To Elland Back
    Closed Accounts Posts: 1,923 ✭✭✭To Elland Back


    Business Cat wrote: »
    Not necessarily.

    OP, is the claim still outstanding?

    If it is then Id imagine thats why Chill told him he will have to stay with his own insurers.

    Best bet is going directly to companies and ringing them. I feel it would be very harsh if they all declined to quote.

    Chill are Regulated by the Financial Regulator and cannot tell him incorrectly that he HAS to stay with them. Whether the claim is open or closed, the OP has the right to move his policy. I agree it might take a bit of leg work, but to tell him he CAN'T is wrong


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  • #12
    Liam McPoyle
    Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    To Elland Back wrote: »
    Chill are Regulated by the Financial Regulator and cannot tell him incorrectly that he HAS to stay with them. Whether the claim is open or closed, the OP has the right to move his policy. I agree it might take a bit of leg work, but to tell him he CAN'T is wrong

    :confused:

    He tried to get a quote from Chill and they told him he would have to stay with his current insurer.


  • #13
    seamus
    Registered Users, Registered Users 2 Posts: 68,317 ✭✭✭✭seamus


    The only scenario I can think where this applies is when a claim is still open, but even then you can still theoretically change insurers.

    Sounds to me like the person you spoke to either doesn't have a clue or just phrased it incorrectly.


  • #14
    Little CuChulainn
    Closed Accounts Posts: 7,624 ✭✭✭Little CuChulainn


    seamus wrote: »
    The only scenario I can think where this applies is when a claim is still open, but even then you can still theoretically change insurers.

    Sounds to me like the person you spoke to either doesn't have a clue or just phrased it incorrectly.

    She said it was in case the other driver decided to sue me, even though I was driving under my employers policy at the time and the other driver ran from the stolen car. She put me on hold to check with her manager too because she accepted it sounded ridiculous.


  • #15
    antodeco
    Registered Users, Subscribers, Registered Users 2 Posts: 13,631 ✭✭✭✭antodeco


    I was rear-ended and one insurance company told me that as I had an accident, I am stuck with my current employer.

    I rang another company and told them the same and their reply was "Did you make a claim?" I told them no, and they told me that they dont care about it then.

    Maybe chill thought you had claimed?


  • #16
    Kristopherus
    Registered Users, Registered Users 2 Posts: 11,907 ✭✭✭✭Kristopherus


    Little CuChulainn wrote: »
    She said it was in case the other driver decided to sue me, even though I was driving under my employers policy at the time and the other driver ran from the stolen car. She put me on hold to check with her manager too because she accepted it sounded ridiculous.

    Did your employer claim from the MRIB, or the stolen car-owners insurance?


  • #17
    Liam McPoyle
    Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    Little CuChulainn wrote: »
    She said it was in case the other driver decided to sue me, even though I was driving under my employers policy at the time and the other driver ran from the stolen car. She put me on hold to check with her manager too because she accepted it sounded ridiculous.

    The likes of Chill, Campions or any other broker do not have the authority to grant you cover. They are only agents, have a set number of questions to ask and if one of the answers falls outside the acceptance criteria they cant quote.

    Its a pain in the hole for you but there is still an outstanding claim that you were involved with.

    All you can do is ring insurance companies directly and explain the circumstances, hopefully at least one of them will be sympathetic to your plight. Its a decision an underwriter has to make so brokers are no use to you.


  • #18
    lomb
    Registered Users, Registered Users 2 Posts: 6,017 ✭✭✭lomb


    Just stick with your own insurer. How much will you save by shopping around if you were happy with last years quote?
    The other thing is that when there is an open claim no one can quote as they don't know the extent of it so cannot by definition calculate a risk. I think if you have 3 written refusals to quote you can force an insurer to quote but the price may not be reasonable and probably wont be.
    I think XS direct in the past was the only one who didn't care about open claims but with the departure of Setanta I think they place their policies elsewhere and no longer quote on the same terms.


  • #19
    To Elland Back
    Closed Accounts Posts: 1,923 ✭✭✭To Elland Back


    I don't read this claim as being open and am genuinely shocked at the information his broker is giving him


  • #20
    dr.fuzzenstein
    Banned (with Prison Access) Posts: 16,620 ✭✭✭✭dr.fuzzenstein


    Yep, that's insuring a car in Ireland.
    "Oh jaysus, you'll be wanting insurance? I wouldn't know about that at all now. And its a car you're driving? No, we wouldn't be doing that at all, now, no we're a car insurance, we don't insure driving a car at all at all.".


  • #21
    Liam McPoyle
    Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    To Elland Back wrote: »
    I don't read this claim as being open and am genuinely shocked at the information his broker is giving him

    Well I'm an underwriter, in an insurance company, and based on the information he has provided, it is an open claim.

    You are wrong, it's as simple as that.


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  • #22
    To Elland Back
    Closed Accounts Posts: 1,923 ✭✭✭To Elland Back


    Business Cat wrote: »
    Well I'm an underwriter, in an insurance company, and based on the information he has provided, it is an open claim.

    You are wrong, it's as simple as that.

    You, yourself asked earlier if the claim was open! The OP has not said it is open. Chill have told him that it is in case (unlikely) the other driver sues him, which means nothing has been notified yet.

    This is a hit and run from 'earlier in the year', so we are dealing with an own damage claim under the employer's policy. Recovery may be outstanding but this does not mean that the claim is open as far as the OP is concerned.


  • #23
    ArnieSilvia
    Registered Users, Registered Users 2 Posts: 285 ✭✭ArnieSilvia


    just out of curiosity - why in Ireland the claim affects future insurer rather the one that insured the car at time of accident? Makes no sense to me whatsoever. I.e. Old policy - old trouble, insurer takes care of it. New policy - new quote. The fact that there's something outstanding shouldn't bother the insured. He/She were insured, weren't they?

    In all cases I feel that customers are shafted, why we all bother with NCB if still being asked about accidents?


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