Loading on older cars

ligertigon

As a 42 year old male with full NCD, (never claimed ever!) No penality points,
A job that is not risky.

My insurance quotes are coming in at €700 tpft for a 00 A4 1.9 tdi.

I know of a 22 year old with a newer one that has cheaper insurance.

Whats happening?

H3llR4iser

ligertigon wrote: »

As a 42 year old male with full NCD, (never claimed ever!) No penality points,
A job that is not risky.

My insurance quotes are coming in at €700 tpft for a 00 A4 1.9 tdi.

I know of a 22 year old with a newer one that has cheaper insurance.

Whats happening?

Insurance companies trying to scam people by claiming that "older cars are dangerous!", based off of data that nobody can see (go look for the "ask an insurance underwriter" thread from a while ago) and that might not even exist, and ignoring the fact that there is a standard yearly test all cars have to pass in order to be on the road.

Also, many of these cars are ending up in the hands of the "modding crowd", and we know what happens to premiums when this occurs (ask the owner of an Honda Civic, for example!).

ligertigon

The modding crowd, I can understand somewhat, but then of course there's full honest disclosure..

Have we even got cars put into categories here like the UK?

Yes H3ll, sounds like the mushroom analagy,

keep them in the dark, and feed them full of ......

arthur daly

It's worth while ringing around, id say the other poster who said it's loading because of young lads modding.

ironclaw

My 99 run around was quoted €1200, versus a 2006 (Same model and engine) at just over €700. They also would not cover the 99 comprehensive, only third party and theft.

I figure its because an older car is more likely to cause injury to the driver or what they hit, as opposed to newer cars. How true that is, no idea but I can somewhat see the logic involved. NCT does not mean a car is safe, it just deems it roadworthy on the day.

Touch wood, I'd rather crash in the 2006 than the 1999, and I'd feel that way with most cars when you see the advancements in tech and construction. Would be interesting to see if there is any statistics for drive & occupant injury's versus model year.

jimgoose

Yeah, that's actuarial data for you. Various older VAG models like the A4, Passat and Bora are popular these days with the young modding crowd, and it is likely this that's tilting the numbers against you. The insurers should have more sense given your age, though.

i57dwun4yb1pt8

my 2002 a3 is the same crack , but also note where you live and how it is secured / parked also has a factor

arthur daly

Just chatting to a mate 30yo full license 5 yrs no claims jaguar x type 2.5 v6 4wd 800e

arthur daly

Just chatting to a mate 30yo full license 5 yrs no claims jaguar x type 2.5 v6 4wd 800e

Foxhole Norman

A 1.9 TDi is going to be loaded insurance wise due to type of people that drive then these days which results in a lot of claims. For example, my brother was paying more on his 1.3 Civic than I am when I started out on my 525, I reckon purely because the civic was loaded so much.

colm_mcm

arthur daly wrote: »

Just chatting to a mate 30yo full license 5 yrs no claims jaguar x type 2.5 v6 4wd 800e

Try €420, 31year old, full nct 3.0 00 S-type 240bhp
My 1.8 civic costs more now.

wonski

Just checked few quotes as my insurance is up at the end of March.

Happy with the one below:


No nonsense offered me renewal at €200 more than last year, which is nonsense tbh.

Axa and others were €500-600, too

123 looks like good bet, breakdown assist included and few more extras that i did not expect at that price.

Car is 15 years old (00 Scenic, 33 yo driver and 5 years NCB).

It can be done.

Just checked what i would have to pay for 00 a4 1.9 tdi - €520 TPFT and €616 comprehensive.
There is a loading there, but i doubt it has anything to do with age of the car.

Jesus.

ironclaw wrote: »

NCT does not mean a car is safe

What on earth is it for then?

ironclaw

Jesus. wrote: »

What on earth is it for then?

Its safe and roadworthy from the time it rolls into the centre to the time it rolls out. The countless 'should I replace these tyres' and 'sure swap out the bulbs for the tes' threads here are a testament to the fact a fairly sizable majority of drivers are happy to have any old 4 wheels on the road.

And of all people Jesus, you know a good testament when you see one!

ligertigon

Finally got down to €585.

Interestingly when I asked was there a loading she said there were brackets.
and over 15 years puts it into a new one.
She also asked was it nct'd.. which it always is.
It then clicked with me,....they seem to assume an older car will not have an nct for periods, as perhaps someone is trying to sort failure issues etc.(this includes being allowed to drive without nct for purpose of repair).

So if an accident occurs without nct, I'd suggest there are legal issues where they still must pay out despite it being your fault the car is not nct'd.

Make any sense?

Though, new cars have no nct either...lol

Voodoomelon

arthur daly wrote: »

Just chatting to a mate 30yo full license 5 yrs no claims jaguar x type 2.5 v6 4wd 800e

I'm similar but worse, full no claims etc but am now paying €1040 for a 10 year old 740Li, robbing bastards. Rang 15-20 companies and ended up paying the renewal. All they did was knock off €50 from €1090.

Gavman84

I'm paying 530 fully comp on ST 2.5 30 years old full license 12 years full ncb of 7 years and 2 points. That's with 123 I'm happy out!

For Forks Sake

ligertigon wrote: »

As a 42 year old male with full NCD, (never claimed ever!) No penality points,
A job that is not risky.

My insurance quotes are coming in at €700 tpft for a 00 A4 1.9 tdi.

I know of a 22 year old with a newer one that has cheaper insurance.

Whats happening?

Felters.

ligertigon

For Forks Sake wrote: »

Felters.

LOL

Dam outliers upsetting the actuarial algorithm

unkel

ligertigon wrote: »

As a 42 year old male with full NCD, (never claimed ever!) No penality points,
A job that is not risky.

My insurance quotes are coming in at €700 tpft for a 00 A4 1.9 tdi.

Audi and VW low end diesels are today what small Honda petrols were a decade ago. The weapon of choice for scrotes who are incompetent drivers and who crash their cars often causing a lot of damage.

Maybe you could try getting insurance on a less knackery car? I bet you could get tpft even on a Porsche for less than that!

Gavman84

unkel wrote: »

Audi and VW low end diesels are today what small Honda petrols were a decade ago. The weapon of choice for scrotes who are incompetent drivers and who crash their cars often causing a lot of damage.

Maybe you could try getting insurance on a less knackery car? I bet you could get tpft even on a Porsche for less than that!

Dam felters have a lot to answer for! Definitely depends on type of car tho as focus diesel I had was fine for insurance.

mullingar

I'm paying €600 for fully comprehensive on a 17yo 3.0 car, then again I'm 40 with full ncb, zero points

cplwhisper

Website called parkers uk gives the group numbers for each car. Group scale runs from 1 to 50... Lowest is cheapest. For example , '00 Audi / VW 1.9tdi are all group 21 to 30 making them pretty high to insure. Multi reason for the grouping scales. That website give guide breakdown of same... Freq of involvement in claim records, highly modified whilst not declared to ins companies and result in multi injury claims .. So old models of those cars can be higher that the newer car big brothers.( '00 vw 1.9 = group 24 / 06 vw 1.9 = group 15-17 )

ligertigon

Makes sense in a way.
But penalising people who are honest in lieu of scrotes crashing a particular make is a step in the wrong direction.

But that's life i guess.

CJhaughey

ligertigon wrote: »

Makes sense in a way.
But penalising people who are honest in lieu of scrotes crashing a particular make is a step in the wrong direction.

But that's life i guess.

Nope just Irish insurance companies making a killing anyway they can.

Geniass

CJhaughey wrote: »

Nope just Irish insurance companies making a killing anyway they can.

Insert 3 Ws and a dot* independent.ie/business/irish/fbd-to-scale-back-car-insurance-business-after-losses-31035719.html

*Cannot yet post links

I think the bigger problem is the awards and the ease in which to claim for soft tissue "injuries".

H3llR4iser

ironclaw wrote: »

Its safe and roadworthy from the time it rolls into the centre to the time it rolls out. The countless 'should I replace these tyres' and 'sure swap out the bulbs for the tes' threads here are a testament to the fact a fairly sizable majority of drivers are happy to have any old 4 wheels on the road.

And of all people Jesus, you know a good testament when you see one!

Still, that would apply to a brand new as much as a 20 years old car...illegal bulbs are not ageist

Carson10

Rang FBD for a quote last month, and after 10 minutes on the phone giving all my details etc, she asked for the reg of the car. 2003 Golf I said. She then says, unfortunately with new regulations we are unable to proceed with this quotation due to the age of the car..? Glad to give my business to another company.

gctest50

unkel wrote: »

......... I bet you could get tpft even on a Porsche for less than that!

funnily enough - the vw teeee deeee eye goes straight in

Gavman84 wrote: »

Dam felters have a lot to answer for! ..........

http://cars.donedeal.ie/cars-for-sale/1998-porsche-911-with-full-gt3-kit-for-sale/8950321?offset=3

10,000 is well within "Pro- felter " territory once they realise you can sell the engine and box for > half that