Forget to get car insurance if the car is more than 15 years old

browniepoints

I got my world turned upside down today I cant insurance for my 1998 car because new policies from car Insurance companies mean forget trying to get insurance for cars older than 15 years old

I tried line online several companies today and as soon as the car is older than 15 years old it wont give a quote and some say half way down no cars quoted if more than 15 years old .
Forums show this is a new policy with nearly all Irish insurance companies possibly all of them

Now I dont use my car much I use it go to the shops and back but next week or any day new contracts arrive so I might commute 300 miles a day for few days or few few weeks
therefore I need to put in 20,000 miles just in case i go over my norm of 5000 miles per year .
Often for many contracts I normally take a hire car or van instead depending the distance and amount of money they pay for travel allowance etc

My car didn't do anything new it just got to 18 years old and the present shower FBD tripled the insurance just because its now an 18 years old car

The fact that I am max no claims and all the rest of the good brownie points to have to have the least amount for insurance doesn't count the car is now toooo old


This is the RIP OFF IRELAND at its best when the people are down on their uppers they go in for the kill

This could bankrupt me and put me on the dole lines as business is down 80% from the top so buying a replacement car isn't a option presently.

In between contracts I need to use the old car to chase business deals .

So what use is the car passes the NCT if the next week the car insurance says car is 15 years old cant be insured .

Realistically I can decide to stop working get rid of the car go on the dole and probably have more money than I get with chasing jobs many that take months to pay the bills .
However I am stupid dumb type keep plugging away at the grind stone keep the car going keep the central heating off and use the public library for the the warmth

I wonder which planet the blue shirts live in bankrupting so many people struggling to keep on top of the car repayments the business repayments and the housing repayments .
Yeah should have known Im all Jack got guvment car how about you poor sods down there

Why de crocodile tears you ant seen nothing yet .

Us fat cat TD,s we even gonna take away your old cars because we can and then force you to become debt slaves with newwer car our buddies will sell you .
How we do that ha ha easy you got to have car insurance by law and the car insurance world because they are so nice nasty sob they are not gonna insure over 15 year old cars so your screwed
Then we all make money at your expense.
So get with the plot and get on yer bike if you can still afford that

Also if you cant pay the car repayment they repossess the cars HA HA and bankrupt you all

Dont expect any help from the red shirt side kicks TD,s we bought them off with fat cat EU jobs so they will **** on you from great height from Brussels

Maybe I should go into scrap metal trade all these old cars coming off the road

Ahh forget it EU regulations on this and that means you cant even start as car breakers yard without to spend gassilions on all sorts of regulations to strip down the old cars

So brick wall time for Ireland gonna get our faces ripped off yet again

Jed

Atlantic Dawn

Is it a Jap import?

colm_mcm

How is this the TDs fault again?

No mention of water charges. No rant is complete without that.

irish bloke

In fairness that's a bit of a rant your after going on there. That aside I think your saying your insurance went up because of your car age.

Surprised to hear that as obviously that would impact all classic cars too.

s15r330

irish bloke wrote: »

In fairness that's a bit of a rant your after going on there. That aside I think your saying your insurance went up because of your car age.

Surprised to hear that as obviously that would impact all classic cars too.

Nothing to do with classic insurance. This has been happening for years with regular policy holders. Used to be 20 years.
If a car passes the nct it is road worthy. Surely it's illegal?!

irish bloke

s15r330 wrote: »

Nothing to do with classic insurance. This has been happening for years with regular policy holders. Used to be 20 years.
If a car passes the nct it is road worthy. Surely it's illegal?!

If that is the case then I doubt it's illegal.
I'm sure there internal risk analysis justifies the increase

Uncle Ben

The OP's rant may be borne from justifiable frustration and rage if insurance companies do appear to have excluded a large number of vehicles solely on age. I'd imagine the OP's car is roadworthy and is nct compliant etc.

I can just see the community rating argument coming up here soon! Those with newer cars should pay for the older models etc etc.

To Elland Back

browniepoints wrote: »

This could bankrupt me and put me on the dole lines as business is down 80% from the top so buying a replacement car isn't a option presently.


Jed

Not to be flippant OP but I don't think the cost of moving from a 1998 car to a 2000 car will be the cause of any bankruptcy you are facing.

If you cannot change the game, learn how to play it

s15r330

irish bloke wrote: »

If that is the case then I doubt it's illegal.
I'm sure there internal risk analysis justifies the increase

There isn't usually an increase, they just flat out refuse cover.
my car is 21 years old, and has abs, disc brakes all round etc. Some younger cars don't have either and they aren't refused. Money making regulations plain and simple.

browniepoints

s15r330 wrote: »

Nothing to do with classic insurance. This has been happening for years with regular policy holders. Used to be 20 years.
If a car passes the nct it is road worthy. Surely it's illegal?!

The govermnet make the laws that suits their buddies in car sales and car insurance scams so when they finish their terms if they need a nixxer they get it .
Look at Biffo what good stuff he did for the oil companies now he is a director for oil companies .

The governments in pile of dung their last set of buddies with private jets in MALTA set up the Setanta SCAM
They insured lots of vans and ran away with the loot leaving injury claims behind them.

The uninsured car insurance fund is massively depleted from the Setanta SCAM

The government makes a few calls
" this is headmaster himself what ideas your guys in the car insurance scam trade got to plug this gap in the unisured car insurance fund and better be good or we are all the sh!te "

Our Scamters in car insurance will never be in the Sh1te you headmasters might be we can pack our bags and go any day
For us car insurance scamters easy we screw them car owners with no cars over 15 to be insured that will screw them good and we can repair some the damge to the Uninsured fund

Jany macs how that works the headmaster all ears

Easy peasy we got the car sales industry on our side we tell them its for their good that the under 15 year old car insurance rule comes in cause if they dont agree we the car insurance companies pull the plug and leave Ireland with all the loot
Then how they sell cars in Irish market if there is no car insurance companies left in Ireland and then the government would have to become the Insurer again like the olden days so do as we say or your gonna be the screwed Headmaster .

No way Jose not on my shift will the Head master go into the Car insurance scam trade we leave that to professional scammers like the Malta brigade and so forth in the yellow pages rip off ville that away ROI is bad for your finance if your not a TD is our game .As we say in GAA we play to win all 4 us non for you
OK OK thats it done deal us TD,s we will get our blue shirts the Garda on that crucify the uninsured cars
Dont forget to make sure we get few new cars thrown our way for looking after you cowboys in the rip off insurance game as it was us who gave with stationary powers you must have car Insurance scam to rip them off for many decades now
Any chance you could drop the age of cars too old down to ten years many of us TD,s we got shares in car companies which we got under the Christmas tree and it would help our share prices SCAM a lot
Headmaster rules OK now out with the cane to destroy them old car more than 15 years old money money money

Jed

Liam McPoyle

browniepoints wrote: »

The govermnet make the laws that suits their buddies in car sales and car insurance scams so when they finish their terms if they need a nixxer they get it .
Look at Biffo what good stuff he did for the oil companies now he is a director for oil companies .

The governments in pile of dung their last set of buddies with private jets in MALTA set up the Setanta SCAM
They insured lots of vans and ran away with the loot leaving injury claims behind them.

The uninsured car insurance fund is massively depleted from the Setanta SCAM

The government makes a few calls
" this is headmaster himself what ideas your guys in the car insurance scam trade got to plug this gap in the unisured car insurance fund and better be good or we are all the sh!te "

Our Scamters in car insurance will never be in the Sh1te you headmasters might be we can pack our bags and go any day
For us car insurance scamters easy we screw them car owners with no cars over 15 to be insured that will screw them good and we can repair some the damge to the Uninsured fund

Jany macs how that works the headmaster all ears

Easy peasy we got the car sales industry on our side we tell them its for their good that the under 15 year old car insurance rule comes in cause if they dont agree we the car insurance companies pull the plug and leave Ireland with all the loot
Then how they sell cars in Irish market if there is no car insurance companies left in Ireland and then the government would have to become the Insurer again like the olden days so do as we say or your gonna be the screwed Headmaster .

No way Jose not on my shift will the Head master go into the Car insurance scam trade we leave that to professional scammers like the Malta brigade and so forth in the yellow pages rip off ville that away ROI is bad for your finance if your not a TD is our game .As we say in GAA we play to win all 4 us non for you
OK OK thats it done deal us TD,s we will get our blue shirts the Garda on that crucify the uninsured cars
Dont forget to make sure we get few new cars thrown our way for looking after you cowboys in the rip off insurance game as it was us who gave with stationary powers you must have car Insurance scam to rip them off for many decades now
Any chance you could drop the age of cars too old down to ten years many of us TD,s we got shares in car companies which we got under the Christmas tree and it would help our share prices SCAM a lot
Headmaster rules OK now out with the cane to destroy them old car more than 15 years old money money money

Jed

Sorry to break it to you but Setanta went tits up for under pricing insurance policies to the point they had no money to pay claims.

So you want insurance companies to charge less.

For cars that are statistically more likely to be involved in claims.

See where Im going with this?

irish bloke

Business Cat wrote: »

Sorry to break it to you but Setanta went tits up for under pricing insurance policies to the point they had no money to pay claims.

So you want insurance companies to charge less.

For cars that are statistically more likely to be involved in claims.

See where Im going with this?

Is that true though that older cars are statistically more involved in claims. Would like to see that data

browniepoints

Atlantic Dawn wrote: »

Is it a Jap import?

No its bog standard Euro thrash 1.4 liter engine that eats fuel .

Give me JAP import any day my last one a 92 car was stolen probably by north africans knowing those engines could easy do million miles so engine is probably in taxi in north Africa now

Jed

Please take a 3 day holiday from motors. This sort of posting is not welcome here.

irish bloke

browniepoints wrote: »

The govermnet make the laws that suits their buddies in car sales and car insurance scams so when they finish their terms if they need a nixxer they get it .
Look at Biffo what good stuff he did for the oil companies now he is a director for oil companies .

The governments in pile of dung their last set of buddies with private jets in MALTA set up the Setanta SCAM
They insured lots of vans and ran away with the loot leaving injury claims behind them.

The uninsured car insurance fund is massively depleted from the Setanta SCAM

The government makes a few calls
" this is headmaster himself what ideas your guys in the car insurance scam trade got to plug this gap in the unisured car insurance fund and better be good or we are all the sh!te "

Our Scamters in car insurance will never be in the Sh1te you headmasters might be we can pack our bags and go any day
For us car insurance scamters easy we screw them car owners with no cars over 15 to be insured that will screw them good and we can repair some the damge to the Uninsured fund

Jany macs how that works the headmaster all ears

Easy peasy we got the car sales industry on our side we tell them its for their good that the under 15 year old car insurance rule comes in cause if they dont agree we the car insurance companies pull the plug and leave Ireland with all the loot
Then how they sell cars in Irish market if there is no car insurance companies left in Ireland and then the government would have to become the Insurer again like the olden days so do as we say or your gonna be the screwed Headmaster .

No way Jose not on my shift will the Head master go into the Car insurance scam trade we leave that to professional scammers like the Malta brigade and so forth in the yellow pages rip off ville that away ROI is bad for your finance if your not a TD is our game .As we say in GAA we play to win all 4 us non for you
OK OK thats it done deal us TD,s we will get our blue shirts the Garda on that crucify the uninsured cars
Dont forget to make sure we get few new cars thrown our way for looking after you cowboys in the rip off insurance game as it was us who gave with stationary powers you must have car Insurance scam to rip them off for many decades now
Any chance you could drop the age of cars too old down to ten years many of us TD,s we got shares in car companies which we got under the Christmas tree and it would help our share prices SCAM a lot
Headmaster rules OK now out with the cane to destroy them old car more than 15 years old money money money

Jed

Re "The uninsured car insurance fund is massively depleted from the Setanta SCAM "

What is meant by this? I was 3 months into a fully paid annual insurance premium with Satanta and never saw a penny. I'm sure there are thousands like me..

Special Circumstances

Derry???

Living Off The Splash

My wife drives a 12 year old car with only 14,000 miles on the clock. It's running great and we want to keep it until it falls apart. This is not good news.

paulmclaughlin

irish bloke wrote: »

Is that true though that older cars are statistically more involved in claims. Would like to see that data

Generally newer cars are safer, for both occupants and pedestrians in the case of an accident. Less harm means lower claim values.

Uncle Ben

irish bloke wrote: »

Is that true though that older cars are statistically more involved in claims. Would like to see that data

Any cars that I know which are in the 15 to 20 years bracket are normally well looked after by their owners.

s15r330

Uncle Ben wrote: »

Any cars that I know which are in the 15 to 20 years bracket are normally well looked after by their owners.

Exactly, mine is 21 and I have it 2 years, passed 3 tests first time.

Sam Kade

paulmclaughlin wrote: »

Generally newer cars are safer, for both occupants and pedestrians in the case of an accident. Less harm means lower claim values.

Nonsense, that would have more to do with the nut behind the wheel

Liam McPoyle

browniepoints wrote: »

No its bog standard Euro thrash 1.4 liter engine that eats fuel .

Give me JAP import any day my last one a 92 car was stolen probably by north africans knowing those engines could easy do million miles so engine is probably in taxi in north Africa now

Jed

Good Jesus.

anncoates

Got my 00 insured last month no problem, albeit at around a 25% increase with the same company I've used for last few years.

That said, only keeping it until the end of the year anyway

browniepoints

Business Cat wrote: »

Sorry to break it to you but Setanta went tits up for under pricing insurance policies to the point they had no money to pay claims.

So you want insurance companies to charge less.

For cars that are statistically more likely to be involved in claims.

See where Im going with this?

car house Insurance and many types of Insurances are always a SCAM period

The typical car insurance company pays a bond a few millions and sets up shop
Then they lay off the big claims over 1 million or so with LLoyds or similar

Then they pay for the small claims the fender benders and stolen cars stuff which compared to the big injury claims is chicken sh!te chump change

Now all the MALTA brigade has to do is figure why pay LLYODS or whatever to lay off the bets we cash in get as many sales as possible then go belly up and run away with the loot

our kick back buddies in the TD's will cry crocodile tears its all just business and irish guverment has no jurisdiction over MALTA and gee why we all TD's found free villas to squat in for summer vacations long live Santa Setantanta

The only problem with Setanta Scam is the Uninsured cars fund that pot of gold will be raided to pay back the Setanta SCAM

it will take few year before unisured car fund runs out off money so we can kick the ball into touch and come up with another SCAM

Enter the new rule over 15 tears old car your screwed love it

That should plug the gap for while until the mega scam the TTIP comes and really scams everything and make the under 15 SCAM loom like walk in the park .


Older cars it the puppet they use dont look this puppet TD look the old car why statistics we invent them what stats do you want we can make them up

If you look the bonus pay the Insurance company bosses get and the low pay most underlings get and the huge profits most of them make
Yeah I would say the Insurance companies should charge less and pay the bosses less of a bonus .
Its only cause it is captive market statutory laws they can make the car insurance scam work
.

If third party insurance was like south Africa model where it was in the fuel prices then the car insurance prices for the comprehensive would plumett and the big insurnace compaies would make their fat cat bosses bonus a lot less .But Irish guvment cant do that ruin the car Insurance scam with putting Insurnace in the fuel costs .After all where would the TD's get the kick backs from if they did that .



Jed

paulmclaughlin

Sam Kade wrote: »

Nonsense, that would have more to do with the nut behind the wheel

I'd rather a nut be behind the wheel of a car with a higher Euro NCAP cap rating than an older car that has no rating.

irish bloke

paulmclaughlin wrote: »

Generally newer cars are safer, for both occupants and pedestrians in the case of an accident. Less harm means lower claim values.

Not really referring to the safety of new vs old . I have a 13 year old Audi with 6 front airbags.
New car damaged will cost an insurance company a lot more as repair bills will be higher.

Whiplash is a 99 car vs a 151 car will cost the same to the insurance company.
Il'd still like to see data that shows older cars are statistically more involved in claims

mickdw

Is it not just that insurance companies won't quote online for over 15 years old but will quote over the phone?

Liam McPoyle

irish bloke wrote: »

Is that true though that older cars are statistically more involved in claims. Would like to see that data

Statistically, yes.

Im an underwriter for an insurance company so am privy to information regarding claims statistics and what not. Obviously its commercially sensitive information so insurers are not obliged to release their findings but the company I work for did a massive project on claims and older cars ie more than 12 years old are more likely to be involved in claims.

Without going in to too much detail its for a huge amount of reasons such as

Cost of replacing parts in the event of an accident, theft or fire claim. Older cars are scarcer on the ground so obviously replacement parts will also be scarcer.

Older cars are more likely to suffer mechanical failure such as brakes failing which in turn results in a higher volume of accidents.

Alot of older cars have the security features of a match box and are easy to nick.

kippy

paulmclaughlin wrote: »

I'd rather a nut be behind the wheel of a car with a higher Euro NCAP cap rating than an older car that has no rating.

Time to ban all classic cars, tractors, trucks and busses from the roads then......

Liam McPoyle

browniepoints wrote: »

car house Insurance and many types of Insurances are always a SCAM period

The typical car insurance company pays a bond a few millions and sets up shop
Then they lay off the big claims over 1 million or so with LLoyds or similar

Then they pay for the small claims the fender benders and stolen cars stuff which compared to the big injury claims is chicken sh!te chump change

Now all the MALTA brigade has to do is figure why pay LLYODS or whatever to lay off the bets we cash in get as many sales as possible then go belly up and run away with the loot

our kick back buddies in the TD's will cry crocodile tears its all just business and irish guverment has no jurisdiction over MALTA and gee why we all TD's found free villas to squat in for summer vacations long live Santa Setantanta

The only problem with Setanta Scam is the Uninsured cars fund that pot of gold will be raided to pay back the Setanta SCAM

it will take few year before unisured car fund runs out off money so we can kick the ball into touch and come up with another SCAM

Enter the new rule over 15 tears old car your screwed love it

That should plug the gap for while until the mega scam the TTIP comes and really scams everything and make the under 15 SCAM loom like walk in the park .


Older cars it the puppet they use dont look this puppet TD look the old car why statistics we invent them what stats do you want we can make them up .
Jed

Putting scam in block capitals does not make it any truer amigo.

Id be interested to see where you found all this information about villas in Malta aswell, Id like a slice of that pie.

irish bloke

Business Cat wrote: »

Statistically, yes.

Im an underwriter for an insurance company so am privy to information regarding claims statistics and what not. Obviously its commercially sensitive information so insurers are not obliged to release their findings but the company I work for did a massive project on claims and older cars ie more than 12 years old are more likely to be involved in claims.

Without going in to too much detail its for a huge amount of reasons such as

Cost of replacing parts in the event of an accident, theft or fire claim. Older cars are scarcer on the ground so obviously replacement parts will also be scarcer.

Older cars are more likely to suffer mechanical failure such as brakes failing which in turn results in a higher volume of accidents.

Alot of older cars have the security features of a match box and are easy to nick.

But I reckon the payouts are a lot less on older cars. Claims you are referring to sound like small amounts plus put the excess on top of that and the payout is minimal Il'd say.

paulmclaughlin

kippy wrote: »

Time to ban all classic cars, tractors, trucks and busses from the roads then......

I said nothing of the sort. FYI I drive a car that's 20 years old. Irregardless, newer cars tend to be safer, therefore their insurance is cheaper. If you want to drive an older car, fine, but be prepared to pay more for it.

kippy

Business Cat wrote: »

Statistically, yes.

Im an underwriter for an insurance company so am privy to information regarding claims statistics and what not. Obviously its commercially sensitive information so insurers are not obliged to release their findings but the company I work for did a massive project on claims and older cars ie more than 12 years old are more likely to be involved in claims.

Without going in to too much detail its for a huge amount of reasons such as

Cost of replacing parts in the event of an accident, theft or fire claim. Older cars are scarcer on the ground so obviously replacement parts will also be scarcer.

Older cars are more likely to suffer mechanical failure such as brakes failing which in turn results in a higher volume of accidents.

Alot of older cars have the security features of a match box and are easy to nick.

The car is surely worth far less than a newer car, write off costs less than a fix in a lot of cases.
Any other points essentially render the NCT pointless.

oleras

Business Cat wrote: »

Good Jesus.

I heard them Africans stole all the punctuation also...:pac:

Sam Kade

irish bloke wrote: »

But I reckon the payouts are a lot less on older cars. Claims you are referring to sound like small amounts plus put the excess on top of that and the payout is minimal Il'd say.

Also if the parts cost more than the car is worth just buy a similar car instead of repairing.

To Elland Back

Add in the fact that a lot of older car owners are not always the greatest at putting money in to maintenance and the older daily runarounds also profile a certain type of moral hazard

BTW, I drive a 1999 car that I've had for 13 years and I keep it roadworthy, but it is a right mess

Sam Kade

oleras wrote: »

I heard those them Africans stole all the punctuation also...:pac:

They surely did

Liam McPoyle

irish bloke wrote: »

But I reckon the payouts are a lot less on older cars. Claims you are referring to sound like small amounts plus put the excess on top of that and the payout is minimal Il'd say.

Older cars are not as sturdy as newer cars, older cars involved in accidents are more likely to result in catastrophic injuries.

Older cars are also very cheap, as a result, certain undesirable sections of society can easily and cheaply pick them up and orchestrate accidents, that is a massive problem in this country.

irish bloke

I expect the study into older cars been involved in more claims failed to weight the cost to the insurance company correctly.

Eg: 5 claims to 15 year old cars might cost the insurance company €10,000 where 2 claims to new cars could cost €30,000

oleras

Sam Kade wrote: »

They surely did

Did they come back for the grammar too ?

Jokeflyingoverhead.gif

irish bloke

To Elland Back wrote: »

Add in the fact that a lot of older car owners are not always the greatest at putting money in to maintenance and the older daily runarounds also profile a certain type of moral hazard

BTW, I drive a 1999 car that I've had for 13 years and I keep it roadworthy, but it is a right mess

Is that not what the annual NCT is for????

Sam Kade

Business Cat wrote: »

Older cars are not as sturdy as newer cars, older cars involved in accidents are more likely to result in catastrophic injuries.

Older cars are also very cheap, as a result, certain undesirable sections of society can easily and cheaply pick them up and orchestrate accidents, that is a massive problem in this country.

Not as sturdy? plastic bumpers on most cars now a few years ago I got a slight tip on the front of my car from another car it cost €2k to rectify. The older the car the more solid it is.

kippy

Business Cat wrote: »

Older cars are not as sturdy as newer cars, older cars involved in accidents are more likely to result in catastrophic injuries.

Older cars are also very cheap, as a result, certain undesirable sections of society can easily and cheaply pick them up and orchestrate accidents, that is a massive problem in this country.

What?
So you are saying more fraudulent claims are made using older cars because older cars are easier pick up? Nice logic. Hammer all older car owners instead of fixing the root cause.

I've major issues with insurance companies and the like using stastics as a reason for price hikes/lack of insurance offerings without backing up with published data.
Even with the logic here in relation to stolen cars, old cars cost fcuk all, new cars get stolen all the time, to order sometimes. One would think paying out for 15 year old cars would be dwarfed by paying out for the odd relatively new beemer etc.

dgt

My daily driver is a 1997 car. Before that was a 1995. All this year.

My horsesh*t intake levels have exceeded their quota today

Special Circumstances wrote: »

Derry???

I sincerely hope, for my sake, that freemason activist hasn't reregged. That'd ruin my week

Big Nasty

I'm just here for the lulz as I can't take the majority of the posts as being serious.

To Elland Back

irish bloke wrote: »

I expect the study into older cars been involved in more claims failed to weight the cost to the insurance company correctly.

Eg: 5 claims to 15 year old cars might cost the insurance company €10,000 where 2 claims to new cars could cost €30,000

Insurers concern themselves far more with the cost of injuries and damage to OTHER cars that their policyholder can cause rather than damage to the insured car itself.

To Elland Back

irish bloke wrote: »

Is that not what the annual NCT is for????

The NCT does not test the owner. Older cars, generally, attract a client that insurers wish to avoid

browniepoints

Business Cat wrote: »

Statistically, yes.

Im an underwriter for an insurance company so am privy to information regarding claims statistics and what not. Obviously its commercially sensitive information so insurers are not obliged to release their findings but the company I work for did a massive project on claims and older cars ie more than 12 years old are more likely to be involved in claims.

Without going in to too much detail its for a huge amount of reasons such as

Cost of replacing parts in the event of an accident, theft or fire claim. Older cars are scarcer on the ground so obviously replacement parts will also be scarcer.

Older cars are more likely to suffer mechanical failure such as brakes failing which in turn results in a higher volume of accidents.

Alot of older cars have the security features of a match box and are easy to nick.

Tell that to the 08 car that rear ended me last year in the wet and wrote off my better 97 UK built Jap car .
All his ABS couldn't stop him in the wet becuase he was going far too fast as in 60KPH for the prevailing conditions where it was bucketing down .

A mate of mine his car Volvo s40 only 7 years old going down the M50 brakes failed but gears got him out of the pickle.The brake hydraulics pipes had rusted through. he fiixed car and ran it until it was 15 years old before iol leak broke the engine to expensive to fix .

If there is any truth to older cars involved in accidents probably is that most younger drivers get old cars and younger drivers crash more often due to inexperience .

I am exceptional within my peers I always ran old cars paid for in cash so I dont owe the banks nothing .

The system doesn't like that so the solution is stop old cars from operating with fake statistics
when you need fake car accident stats look no further than picking it from your ar$e as the bankster scamters show the car insurance how to really rip everyone off .

I saw a few weeks back how easy it was to rob fairly new Mercs with new cloned key FOBS.
Car robbery isn't a real statistic in car crashes as they dont normally pay car insurance before robbing the car they want .

No this is the old story the Banks scammed us under Biffo
The only scam left in town for the blue shirts and their red shirt side kicks to get their picking from is the car sales scam driven with their buddies in the car insurance scam game .
Its small picking but vultures TD's are happy to eat the carcass of the Irish economy before they leave the bones behind and wait for TTIP scam to come and eat the bones as well


Jed

irish bloke

To Elland Back wrote: »

The NCT does not test the owner. Older cars, generally, attract a client that insurers wish to avoid

Now your really talking sh1te....

coylemj

Mods, can this thread be moved to the Conspiracy Theories forum?

browniepoints

kippy wrote: »

What?
So you are saying more fraudulent claims are made using older cars because older cars are easier pick up? Nice logic. Hammer all older car owners instead of fixing the root cause.

I've major issues with insurance companies and the like using stastics as a reason for price hikes/lack of insurance offerings without backing up with published data.
Even with the logic here in relation to stolen cars, old cars cost fcuk all, new cars get stolen all the time, to order sometimes. One would think paying out for 15 year old cars would be dwarfed by paying out for the odd relatively new beemer etc.

agreed and thanks done

Jed

paulmclaughlin

Sam Kade wrote: »

Not as sturdy? plastic bumpers on most cars now a few years ago I got a slight tip on the front of my car from another car it cost €2k to rectify. The older the car the more solid it is.

Newer cars crumple easier so as to absorb kinetic energy instead of transferring it throughout the car. Sturdy isn't always better.