How to get a better quote?

freelancerTax

hi
my gf is trying to get insured on a 2004 ford focus saloon 1.6l (her first car - that she owns).
she is 35 with a full licence and has never had an insurance policy before but has driven for 15 years on her parents open insurance policy (not named) has never had so much as a scrape.

ringing companys and most wont even give her a quote - of the ones that did the quotes where insanley high 3k and 1.5k

is there anything we can be doing to get this down?

ft

nd

Try adding yourself or a family member that has more driving experience as a named driver maybe?
Or if she has house insurance try that insurer informing them that she has house insurance with them.

freelancerTax

hi nd ,
thanks for the reply
yep i will ask her to try add one of her parents as a named driver - problem is they are quite old (70+) so this may go against her....

we dont have house insurance so that is not an option

thanks

ft

kerten

I would use brokers for better quotes but 1200-1500 euro per year sounds normal without NCB on a 1.6 lt car.

Older age and owning full license don't help as much as having NCB unfortunately.

Dia1988

freelancerTax wrote: »

she is 35 with a full licence and has never had an insurance policy before but has driven for 15 years on her parents open insurance policy (not named) has never had so much as a scrape.

correct me if I'm wrong,

She has had no insurance in her name or as a named driver but she has been driving her parents car for 15 years?

I understand the open policy that insurers offer but this is only subject to those driving your parents car have an insurance policy of their own.

I'm fairly confident that your gf wasn't insured driving the parents car as although the parents had an open policy, your gf didn't have insurance of her own.

The only benefit to open insurance is that you don't have to swap insurance over and back on cars.

mgbgt1978

Dia1988 wrote: »

correct me if I'm wrong,

She has had no insurance in her name or as a named driver but she has been driving her parents car for 15 years?

I understand the open policy that insurers offer but this is only subject to those driving your parents car have an insurance policy of their own.

I'm fairly confident that your gf wasn't insured driving the parents car as although the parents had an open policy, your gf didn't have insurance of her own.

The only benefit to open insurance is that you don't have to swap insurance over and back on cars.

I'd say you're a bit incorrect there.
Myself (and a few other members of my family) have this clause on our policies. We normally use it when relatives return from the UK etc. as it's a lot cheaper than adding them on for a week or so.
I have checked (more than once) with my insurer and they say that the person driving does not need to have a policy in their own name.

Maybe your particular policy does state this but that is not a reason to generalise.

Dia1988

mgbgt1978 wrote: »

I'd say you're a bit incorrect there.
Myself (and a few other members of my family) have this clause on our policies. We normally use it when relatives return from the UK etc. as it's a lot cheaper than adding them on for a week or so.
I have checked (more than once) with my insurer and they say that the person driving does not need to have a policy in their own name.

Maybe your particular policy does state this but that is not a reason to generalise.

Just looked at other insurers.

I stand corrected then.

Although, my insurance requires individual insurance.

My mistake!

Just wondering, if someone other than the primary insured driver had an acciident under an open policy insurance policy, is it the primary insured driver that gets screwed even though he/she wasn't driving?

frozenfrozen

woah hold on, that magical open insurance above actually exists? What's the catch? Surely a 17 year old couldn't drive their father / mother / cats 5 litre car and still be insured, without insurance themselves?

Dia1988

frozenfrozen wrote: »

woah hold on, that magical open insurance above actually exists? What's the catch? Surely a 17 year old couldn't drive their father / mother / cats 5 litre car and still be insured, without insurance themselves?

Don't worry was about to ask that too!

Only covers 25 to 70 year old with full driving licence and primary insured driver must have 5 years no claims bonus.

quadrifoglio verde

frozenfrozen wrote: »

woah hold on, that magical open insurance above actually exists? What's the catch? Surely a 17 year old couldn't drive their father / mother / cats 5 litre car and still be insured, without insurance themselves?

If they have a full licence, they can on third party extension once they have insurance in their own name and their own insurance offers it.

For example I've always been insured with liberty. When I was 19 I had a 1.2 polo insured in my own name but could drive any car that I didn't own once I had the owners permission and it was road worthy.

Looking back I didn't use it enough then but four years later I've gotten more than my fair share of use of it. I'm covered to drive any car once I don't own it, it's road worthy and the owner says I can

rocky

QV, You're talking about driving other cars, not open driving

CiniO

Dia1988 wrote: »

Don't worry was about to ask that too!

Only covers 25 to 70 year old with full driving licence and primary insured driver must have 5 years no claims bonus.

IMO every single one insurance policy should be open driving, without limits outlined by you above.
We know that's not the case here in Ireland, but that's generally how it works abroad in most places on the Continent. Solves lots of problems with car insurance system.

freelancerTax

thanks for replies...
gf definitely has been insured like this.. it isn't cheap, I guess that's the catch, but she now wants her own ncb etc.

goz83

Brokers are the way...try the aa. I got my brothers insurance for circa €1500 last year. He is 36 with a learner permit and no other recent driving experience. He was abroad for years and no need for a car.