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Broker for no insurance history

  • 02-07-2015 9:09am
    #1
    km991148
    Registered Users, Registered Users 2 Posts: 4,277 ✭✭✭


    Hi,

    Looking for a recommendation on a broker - situation is I am 35 and moved around a lot/travelled etc. Not been on any car insurance for years but held a full licence since 17. Drove lots (prob 5000kms per year ave) on rental cars with no accidents/points etc - but wont count for anything..

    Looking to buy a decent car now (2l + - and finding it hard to get a sensible quote for insurance - any recommendations on brokers that could help with this? or am I screwed and will need to buy a 1l micra!


    D


Comments

  • #2
    bisounours
    Registered Users, Registered Users 2 Posts: 156 ✭✭bisounours


    Was in a similar situation earlier this year. Shopped high and low and KennCo was the best by far (40%) to the next best quote. That being said, still over a thousand for a 1.4 Golf!


  • #3
    km991148
    Registered Users, Registered Users 2 Posts: 4,277 ✭✭✭km991148


    bisounours wrote: »
    Was in a similar situation earlier this year. Shopped high and low and KennCo was the best by far (40%) to the next best quote. That being said, still over a thousand for a 1.4 Golf!

    doh!

    I went online with them and got nowhere..

    Anyone know where I can get a get a well maintained Micra :D?


  • #4
    kc66
    Registered Users, Registered Users 2 Posts: 2,267 ✭✭✭kc66


    Worth a try, I think there is some deal done with insurers for people in your situation:
    https://www.oci.ie/news/how-to-get-cheaper-car-insurance-for-over-30s/


  • #5
    km991148
    Registered Users, Registered Users 2 Posts: 4,277 ✭✭✭km991148


    No joy - but thanks - FYI for anyone else - they help people who have had company car experience


  • #6
    Liam McPoyle
    Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    The problem you have is that you have a full licence since you are 17 but cannot prove driving history or experience. That is a massive alarm bell for insurance companies.

    Reason being, it was and is common place for particular societal groups to ring up to try and get quotes, say they have a full licence but they had been in "England" for the last 6 months so dont have a bonus.

    Said groups got the policy under false pretenses then surprisingly they ended up rear ending someone on a round about and it costs the company a ball of money!

    Unfortunately there is no cheap way to get around it for you. Try Chill, explain the story, buy a cheap 1l motor and get one years bonus built up and you will be laughing.


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  • #7
    km991148
    Registered Users, Registered Users 2 Posts: 4,277 ✭✭✭km991148


    ye.. will try again today - a uniquely Irish problem eh!

    Annoying thing is I have been driving all this time - prob covered a fair few kms.. more than someone with typical named driver exp..!


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