Skyline Insurance

JCARROLL

Decided to try and buy and insure a 95 skyline gtr (r33 favourite car of all time), so I've been ringing around yesterday and today to see could I even get a quote of any sort. I'm 23, full irish licence 5 years, 0 penalty points or convictions and 6 years accident free named driver experience, currently insured on a bora as a named driver with fbd. I was expecting a few ridiculous quotes and refusals and maybe 1 or 2 acceptable quotes but the response I've gotten so far surprised me a little bit, maybe I was being a bit naive.

Anyway I started with an online quote last week from axa- couldn't quote. I then missed a few calls from them next day so I rang back and they said 'we were just wondering if you wanted to go ahead with the quote?' I told them grand but the online thingy didn't quote me and then she said 'oh yes you have to be over 30 to insure that car'. Err ok, why are you ringing me, goodbye.

So the refusals I got yesterday:

Xs direct- sorry we don't insure those cars.

Chill insurance- nice guy on the phone and took all details but couldn't come back with quote

Aaran- why is it so valuable if it's so old?. Anyway couldn't quote.

Power insurance limerick - before I even said anything 'sorry we can't give any quotes over the phone until next week we're too busy, but if you call into the office we can'. Not driving from offaly to limerick for that.

First Ireland- couldn't quote because japan, age of vehicle, value, high performance and not currently nct'd.

Carole Nash classic insurance - i ticked all the boxes in terms of being over 21, limited miles and main car but no jap imports.

Finally I tried my current insurer FBD. I'm a named on my dad's policy, he has his license decades with about 100 years no claims bonus and also has a commercial vehicle, house, farm and 2 tractor policies with them. Called the local branch to amend the policy from current car to skyline. Said we already had the car. She went and checked with someone and then refused. 'Is it a 2 litre? We don't insure those cars or any other high performance vehicle'.

So yeah, that's as many as I've rang. I intend to keep ringing around, even though I started with the companies that I thought would be my best bet. Anyone got any advice or anything? Similar enough stuff has probably been covered before but most threads seem to be old enough back when xs direct would quote and Quinn were still Quinn and I'm slowly losing the will lol.
Thanks

Foxhole Norman

JCARROLL wrote: »

Decided to try and buy and insure a 95 skyline gtr (r33 favourite car of all time), so I've been ringing around yesterday and today to see could I even get a quote of any sort. I'm 23, full irish licence 5 years, 0 penalty points or convictions and 6 years accident free named driver experience, currently insured on a bora as a named driver with fbd. I was expecting a few ridiculous quotes and refusals and maybe 1 or 2 acceptable quotes but the response I've gotten so far surprised me a little bit, maybe I was being a bit naive.

Not a hope I'd say! Insurers here are scared of anything 2.0 plus, not a mind a Skyline GTR.

Try Insure Together, they're a company focused on performance cars, wouldn't say you'd have much hope with your age though.

Atlantic Dawn

I don't think you will have any chance unless you already have a policy in your own name with an almost full no claims bonus and were over 25.

JCARROLL

Foxhole Norman wrote: »

Not a hope I'd say! Insurers here are scared of anything 2.0 plus, not a mind a Skyline GTR.

Try Insure Together, they're a company focused on performance cars, wouldn't say you'd have much hope with your age though.

Yes, probably no hope really. I'm not sure if I'm missing something but does that crowd not just insure groups and get a bulk discount? Because how would that work for me?

I'm getting the feeling that I'll just have to wait a couple of years and get it as a classic with FBD through the IVS and spend that remaining time in the world of tdi misery haha

Foxhole Norman

JCARROLL wrote: »

Yes, probably no hope really. I'm not sure if I'm missing something but does that crowd not just insure groups and get a bulk discount? Because how would that work for me?

I'm getting the feeling that I'll just have to wait a couple of years and get it as a classic with FBD through the IVS and spend that remaining time in the world of tdi misery haha

Nope, Insure Together works for private individuals, I think what happens is once they have a group of people together, then they go to the underwriters, or something like that.

JCARROLL

Foxhole Norman wrote: »

Nope, Insure Together works for private individuals, I think what happens is once they have a group of people together, then they go to the underwriters, or something like that.

Ok, thanks, I may give them a call this afternoon just to see.

listermint

Atlantic Dawn wrote: »

I don't think you will have any chance unless you already have a policy in your own name with an almost full no claims bonus and were over 25.

This

Corvo

You realise the risk involved in insuring someone at that age with that sort of high performance car? I think if FBD are not willing to look at it with the supporting business in place, then you could be in trouble.

Let us know how you get on.

lau1247

If you are refused motor insurance
Individual insurers have the right to refuse you cover, but they must provide you with a reason for the refusal should you ask for one. However, even though you have been refused cover, you are entitled to go to the Declined Cases Committee of Insurance Ireland who will obtain an insurance quotation for you. In order for the Committee to consider your case you must first have sought and been refused quotations in writing from at least three insurers.

This is from citizen information, should be useful for you..

kona

Got quoted 1400 tpft on that skyline, they wouldn't do fully comp and that's with my current insurer. Nobody else would touch it other than some crowd up north for 1800 sterling.

That's full license 6 years full no claims zero points and over 25.

Your going to be looking at mental money. Then there's the tax ......

marcus2000

JCARROLL wrote: »

So the refusals I got yesterday:

Xs direct- sorry we don't insure those cars.

They actually dont insure any cars!! in Ireland :rolleyes:

JCARROLL

Corvo wrote: »

You realise the risk involved in insuring someone at that age with that sort of high performance car? I think if FBD are not willing to look at it with the supporting business in place, then you could be in trouble.

Let us know how you get on.

I'll post what happens when I get time to ring a few more. I wouldn't say I'll get a quote reasonable enough to go ahead with but I'll keep trying though just so I'll know for sure

JCARROLL

kona wrote: »

Got quoted 1400 tpft on that skyline, they wouldn't do fully comp and that's with my current insurer. Nobody else would touch it other than some crowd up north for 1800 sterling.

That's full license 6 years full no claims zero points and over 25.

Your going to be looking at mental money. Then there's the tax ......

Same skyline? If you end up buying then the best of luck with it, it's an amazing looking car. I would've liked to go have a look at it, but it's a long trip to Wicklow for a car you can't buy plus wasting a guys time. A friend of mine seen it parked at mondello on Sunday and said it's pristine

JCARROLL

Just tried axa a few minutes ago. Got my dad to try it and add me as a named driver since they previously said no under 30s. The guy said 'absolutely no chance' of getting insurance even without me on the policy! From what I overheard once the word skyline was mentioned the guy was almost in complete disbelief at the words he was hearing and sounded like he wanted to get off the phone as quick as he could in case he caught whatever craziness we had. So that's a no quote for a man in his 50s with the maximum years for licence and NCB and no points or anything

neilthefunkeone

I had huge hassle last year with a 2004 350z @ 29, 9 years DL and 7NCB.

Did eventually get an alright fully comp quote but was days spent ringing places..

Guy from one place was telling me that most companies don't even want a 10+ year old car never mind a jap high performance.. Cant wait for renewal time!!

power pants

just googled this, last post on the subject was last year but worth a check

http://www.skylineowners.com/forum/137-%20ireland/76062-irish-republic-members-skyline-insurance-17.html

kona

JCARROLL wrote: »

Just tried axa a few minutes ago. Got my dad to try it and add me as a named driver since they previously said no under 30s. The guy said 'absolutely no chance' of getting insurance even without me on the policy! From what I overheard once the word skyline was mentioned the guy was almost in complete disbelief at the words he was hearing and sounded like he wanted to get off the phone as quick as he could in case he caught whatever craziness we had. So that's a no quote for a man in his 50s with the maximum years for licence and NCB and no points or anything

That's unbelievable, I'd say a broker is the only option.

A standard gtr is powerful but not THAT powerful you can't get a quote.

Just imagine you modify it. Be a interesting conversation.

challengemaster

I don't think theres an unmolested GTR on this island.

JCARROLL

kona wrote: »

That's unbelievable, I'd say a broker is the only option.

A standard gtr is powerful but not THAT powerful you can't get a quote.

Just imagine you modify it. Be a interesting conversation.

Yeah, I was quite surprised! Can brokers really do that much? The couple of ones I called just seemed to input stuff into a computer and came back 10 seconds later with no quote. The guy at chill insurance said that they can't get the insurance companies to bend the rules at all and I'd be better off ringing them all myself.
And it doesn't seem to be the power that's getting me rejected, purely the image of the skyline and it being an import is what's doing it. The e46 m3 can be insured very reasonable for myself fully comp and it's of similar power but doesn't have all the negativity surrounding it like the skyline.

kona

JCARROLL wrote: »

Yeah, I was quite surprised! Can brokers really do that much? The couple of ones I called just seemed to input stuff into a computer and came back 10 seconds later with no quote. The guy at chill insurance said that they can't get the insurance companies to bend the rules at all and I'd be better off ringing them all myself.
And it doesn't seem to be the power that's getting me rejected, purely the image of the skyline and it being an import is what's doing it. The e46 m3 can be insured very reasonable for myself fully comp and it's of similar power but doesn't have all the negativity surrounding it like the skyline.

That's the problem, they obviously can't differentiate between the GTR and a gtst or just the gt.

That's why everything has left the country. I'd imagine that skyline will be uk bound. Pity, same thing is happening to dc2 , ek9 etc.

Knackers and cheap loans wrecked them. I'd love to know how many GTR have crashed in the last 10 years compared to say some felt spec ball of crap.

Pov06

I don't see why insurance companies should have the power to not insure a specific vehicle... Seems very wrong.

JCARROLL

Pov06 wrote: »

I don't see why insurance companies should have the power to not insure a specific vehicle... Seems very wrong.

I do think they should quote even if it is very expensive, let people decide if they want to pay it then or not. But on the other hand I do see where they are coming from. There are many people out there that are just not responsible no matter what they tell you and for all they know I could be one of them. They don't know whether I'll be very careful with it and look after it like a baby, no commuting, about 5000 miles a year or if I'm going to start a street racing gang with it or whatever.

I've accepted now it's not going to be doable until I'm eligible for a classic policy (fingers crossed they don't decide 'no skylines as classic' in the mean time). I suppose all the more chance to build up more money for a great example GTR.

GvidoR

I knew that the whole insurance business here is ridiculous, but this is just shocking. I'd expect them to give you some sort of a quote no matter how much they might not want you to drive that car.

Meanwhile in the US, 17 year olds drive V8 Mustangs.

Daaryl

Another thing you could do is use third party extension route, You could get somebody to insure it for you and you could use it third party extension.. Therefore if you have 3rd party extension you'll be fine to drive it Once it's not in your name you're grand

mickdw

Well they are the ones who have to cover the costs when that specific vehicle gets wrapped around a tree. I think its reasonable for them to be allowed to say that they are not interested in covering a specific car.

Pov06

GvidoR wrote: »

I knew that the whole insurance business here is ridiculous, but this is just shocking. I'd expect them to give you some sort of a quote no matter how much they might not want you to drive that car.

Meanwhile in the US, 17 year olds drive V8 Mustangs.

It's simply a monopoly of insurance companies in Ireland. Ireland needs some foreign insurance companies to step in. The price would skyrocket downwards I reckon.

mickdw

Daaryl wrote: »

Another thing you could do is use third party extension route, You could get somebody to insure it for you and you could use it third party extension.. Therefore if you have 3rd party extension you'll be fine to drive it Once it's not in your name you're grand

Very dodgy advice to be fair.

Daaryl

Pov06 wrote: »

It's simply a monopoly of insurance companies in Ireland. Ireland needs some foreign insurance companies to step in. The price would skyrocket downwards I reckon.

x2 You can insure these sort of cars in australia with no hassle at all

Pov06

mickdw wrote: »

Well they are the ones who have to cover the costs when that specific vehicle gets wrapped around a tree. I think its reasonable for them to be allowed to say that they are not interested in covering a specific car.

But you have to remember - the car isn't the fault of the accident, the driver is.

This means they should invest money in improving their ability to gauge risk each driver brings to a car - not blacklist a whole load of cars which have the exact same risk as any other car.

Eric Cartman

GvidoR wrote: »

I knew that the whole insurance business here is ridiculous, but this is just shocking. I'd expect them to give you some sort of a quote no matter how much they might not want you to drive that car.

Meanwhile in the US, 17 year olds drive V8 Mustangs.

a very different category of car .

m3's m5's rs4/rs6 , even mustangs, ford ST / RS models, golf GTI's etc.. and you will get insurance, not as easy as a polo but its very possible.

the skyline, evo , glanza turbo, AE86 and type r hondas are a completely different ballgame though for a multitude of reasons.

1. 90s map stuff is super easy to steal , immobilisers weren't a thing in general
2. Unmolested versions of these cars are like gold dust, the chances of there being undeclared mods on them are 99%
3. A mustang is designed to be fast in a straight line and a straight line which is fine, anything with a reputation for being a great drift car is going to get loaded.
4. The Appeal, I like the skyline, I like some of the evo's , this is not a reflection on the OP but lets face it , these cars are the bottom barrel council estate loitering scrote drug dealer / joyriders wet dream, its like nike air max or 3 stripe adidas tracksuits , if they see it, it will be stolen.

these cars probably have the highest theft, fire and accident risk in the whole of the land.

Pov06

Eric Cartman wrote: »

a very different category of car .

m3's m5's rs4/rs6 , even mustangs, ford ST / RS models, golf GTI's etc.. and you will get insurance, not as easy as a polo but its very possible.

the skyline, evo , glanza turbo, AE86 and type r hondas are a completely different ballgame though for a multitude of reasons.

1. 90s map stuff is super easy to steal , immobilisers weren't a thing in general
2. Unmolested versions of these cars are like gold dust, the chances of there being undeclared mods on them are 99%
3. A mustang is designed to be fast in a straight line and a straight line which is fine, anything with a reputation for being a great drift car is going to get loaded.
4. The Appeal, I like the skyline, I like some of the evo's , this is not a reflection on the OP but lets face it , these cars are the bottom barrel council estate loitering scrote drug dealer / joyriders wet dream, its like nike air max or 3 stripe adidas tracksuits , if they see it, it will be stolen.

these cars probably have the highest theft, fire and accident risk in the whole of the land.

And how many insurance companies offer third party cover only (no fire & theft)?

JCARROLL

Daaryl wrote: »

Another thing you could do is use third party extension route, You could get somebody to insure it for you and you could use it third party extension.. Therefore if you have 3rd party extension you'll be fine to drive it Once it's not in your name you're grand

I haven't really investigated this much, but from a few searches online I was under the impression that they pretty much removed third party extension option from under 25s. Ideally I'd buy the skyline, put it in my dad's name, let him insure it through the irish vintage association for very cheap so to have it covered for theft and to display a disc at checkpoints. Then keep my bora and get my own policy on it with the third party extension without an engine size restriction. It would keep the miles on the skyline down even lower and might be doable but the cost of keeping 2 cars taxed, maintained and nct'd at the minute for me might be a bit much.

thadg

get trade insurance. buy and sell a couple of cheap cars every year if needs be. you can drive anything you want then. insurance will be 2500 for you probably.

here comes all the do gooder comments now telling you not to go down that route..............

Daaryl

JCARROLL wrote: »

I haven't really investigated this much, but from a few searches online I was under the impression that they pretty much removed third party extension option from under 25s. Ideally I'd buy the skyline, put it in my dad's name, let him insure it through the irish vintage association for very cheap so to have it covered for theft and to display a disc at checkpoints. Then keep my bora and get my own policy on it with the third party extension without an engine size restriction. It would keep the miles on the skyline down even lower and might be doable but the cost of keeping 2 cars taxed, maintained and nct'd at the minute for me might be a bit much.

Liberty do it once you're over 18 with a full license and with aviva you need it 2 years i think!

Eric Cartman

Pov06 wrote: »

And how many insurance companies offer third party cover only (no fire & theft)?

when insurance companies calculate car loadings the cost of previous claims are taken into account , if everyone who ever had a skyline on this isle had gone third party only you'd probably have a lower load rating, but insurance companies are probably still licking wounds from payouts they had to make in the 90's / 00's on these cars.

Pov06

JCARROLL wrote: »

I haven't really investigated this much, but from a few searches online I was under the impression that they pretty much removed third party extension option from under 25s. Ideally I'd buy the skyline, put it in my dad's name, let him insure it through the irish vintage association for very cheap so to have it covered for theft and to display a disc at checkpoints. Then keep my bora and get my own policy on it with the third party extension without an engine size restriction. It would keep the miles on the skyline down even lower and might be doable but the cost of keeping 2 cars taxed, maintained and nct'd at the minute for me might be a bit much.

This first major flaw in the third party extension path is that when you get the extension there is usually a limit on engine size. The biggest engine size limit I have seen on such policy was 2.5 litres. My dad's own policy says 2 litre is the maximum.

As you know the Skyline comes with a 2.6 litre engine. :rolleyes:

JCARROLL

thadg wrote: »

get trade insurance. buy and sell a couple of cheap cars every year if needs be. you can drive anything you want then. insurance will be 2500 for you probably.

here comes all the do gooder comments now telling you not to go down that route..............

Then I could drive as many skylines as I want haha. To be honest I haven't looked into that and I'm sure it's legal but it sounds a bit like trickery to me. Too good to be true

Pov06

thadg wrote: »

get trade insurance. buy and sell a couple of cheap cars every year if needs be. you can drive anything you want then. insurance will be 2500 for you probably.

here comes all the do gooder comments now telling you not to go down that route..............

It's crazy to think that trade insurance costs around 2,500 and allows traders to drive any car they want. IMO insurance companies should be increasing trade policies to at least 10,000 considering traders turn decent profits every year, unlike a student who might be paying 1,500 to insure his Nissan Micra...

Eric Cartman

Pov06 wrote: »

It's crazy to think that trade insurance costs around 2,500 and allows traders to drive any car they want. IMO insurance companies should be increasing trade policies to at least 10,000 considering traders turn decent profits every year, unlike a student who might be paying 1,500 to insure his Nissan Micra...

no, most trade policies require you to select if you want to insure high performance cars or not, and for a 23 year old with that option ticked id imagine your looking closer to 4k than 2500.

OP this lark of third party extensions, trade insurance etc… while legal is basically trickery , you'll just be paying for a bit of paper to stick in the window, not insurance, if you put that car into a wall , it won't help you or the car with any repairs/ injuries , and if you put the car into another person it'll just about keep you out of prison. Now if your fine with all that go ahead, but you've unfortunately taken a liking to a car thats very hard to legally keep.

unkel

Get insurance in your own name asap. You'll have a reasonable chance to get insurance on that car once you're maybe 26-28 with 3 to 5 years NCB in your own name

I know that's not what you want to hear, sorry!

ps3man

If you are still unsure why you can't get insurance on one of these, go up to airside, swords on a Friday or Saturday night when the lads are bombing them around.

JCARROLL

Eric Cartman wrote: »

no, most trade policies require you to select if you want to insure high performance cars or not, and for a 23 year old with that option ticked id imagine your looking closer to 4k than 2500.

OP this lark of third party extensions, trade insurance etc… while legal is basically trickery , you'll just be paying for a bit of paper to stick in the window, not insurance, if you put that car into a wall , it won't help you or the car with any repairs/ injuries , and if you put the car into another person it'll just about keep you out of prison. Now if your fine with all that go ahead, but you've unfortunately taken a liking to a car thats very hard to legally keep.

I agree, at the end of it all after paying significant money for cover I'd like to actually receive something in return. If I got into real bother they mightn't pay out and then it would get pretty serious. Basically just handing over money for nothing in a way

ironclaw

GvidoR wrote: »

Meanwhile in the US, 17 year olds drive V8 Mustangs.

With unlimited liability There is mixed coverage standards in the US and its a litigious society, so actual cover as we know it is hard to come by and expensive. For myself, a 458 was $250 but that literally made it legal for me to have it on the road. Anything else was my problem and out of my pocket, which is potentially millions once you step into court.

If I had the money and cars here, I'd be self bonding.

Supergurrier

http://www.backroads.ie/forums/showthread.php?13399-Insurance-Scheme-for-High-Performance-and-Modified-Cars

kona

ps3man wrote: »

If you are still unsure why you can't get insurance on one of these, go up to airside, swords on a Friday or Saturday night when the lads are bombing them around.

As I said before insurance companies and people cannot tell the difference between a gtr , gtst and the gt. point proven.

That gtr would need fully comp it's not worth buying otherwise, 12k is alot of cash to have insured 3rd party. That's before you take into account it's a Absoloute knacker magnet.

I'm still thinking about buying one but it's a very big magnet that attracts people I don't want to my house.

thadg

Pov06 wrote: »

It's crazy to think that trade insurance costs around 2,500 and allows traders to drive any car they want. IMO insurance companies should be increasing trade policies to at least 10,000 considering traders turn decent profits every year, unlike a student who might be paying 1,500 to insure his Nissan Micra...

why should it be 10 thousand?? traders don't turn a decent profit, only very few do. most garages just turn money and pull a handy wage like most companies, and if they don't have a cliam it should be cheap. any tradesman (plumber etc) insurance is probably close to this figure too. remember you can only drive one car at a time. motortraders don't cliam for damage unless they really have to, they cant insure their no claims bonus like the ordinary motorist.

1500 for a micra is a bit of a joke alright

Eric Cartman

kona wrote: »

As I said before insurance companies and people cannot tell the difference between a gtr , gtst and the gt. point proven.

That gtr would need fully comp it's not worth buying otherwise, 12k is alot of cash to have insured 3rd party. That's before you take into account it's a Absoloute knacker magnet.

I'm still thinking about buying one but it's a very big magnet that attracts people I don't want to my house.

If I owned an evo or skyline id want a gaf not in a housing estate , with a garage and some of those bollards you put in the ground and a tracker, and a chain between one of the wheels and the floor , and a shotgun licence to try keep those lads away.

A nice car to have , but realistically you'll spend more time trying to dodge lads wanting a race / following you home than actually driving it anywhere.

liam7831

You should be able to get Classic insurance on it, 20yrs old after all, iv got classic insurance on my car 5k mileage per yr, €420

liam7831

Eric Cartman wrote: »

If I owned an evo or skyline id want a gaf not in a housing estate , with a garage and some of those bollards you put in the ground and a tracker, and a chain between one of the wheels and the floor , and a shotgun licence to try keep those lads away.

A nice car to have , but realistically you'll spend more time trying to dodge lads wanting a race / following you home than actually driving it anywhere.

Its a skyline lad not an enzo

kona

liam7831 wrote: »

You should be able to get Classic insurance on it, 20yrs old after all, iv got classic insurance on my car 5k mileage per yr, €420

Tried that too, they shat themselves and said no.

Eric Cartman

liam7831 wrote: »

Its a skyline lad not an enzo

an enzo would probably be safer , the GTR is probably the most desired car by the types who like to steal cars. An enzo would only be stolen to order by a very professional gang , a GTR would be stolen by everyone under 25 with a criminal record in dublin.