High performance Car insurance.

bartbanis

Does anyone know where I can get a reasonable quote for a Mitsubishi lancer evo 4? I Read through old posts on boards an tried a lot of them with no success.
Xsdirect - no quote
Chill - no quote
123 - no quote
FBD - no quote
nononense - no quote, to name a few.

Quote is for 29yo female 3yrs NCB Full licience 12yrs and 12yrs driving expierence.

I understand the car is difficult to insure but not even to get a quote! I'm aware I can contact the regulator but I can only imagine what kind of quote that will be!
Any help would be greatly appreciated.
Thanks

Stoolbend

Was that online or did you ring them?

celica00

How old is your car? I was able to insure mine as a classic (which worked out perfectly as I also have and use a daily driver)

Liam McPoyle

celica00 wrote: »

How old is your car? I was able to insure mine as a classic (which worked out perfectly as I also have and use a daily driver)

Insurers are well wide to this as in a lot of the jap imports - Skylines and the like - are now eligible, age wise, for classic / vintage insurance, they will not quote for them under classic insurance. If you have your own insured this way then you must have it for more 6 months because it's in the last 6 months they have cottoned on. Consider yourself lucky if you have it tbh!

Special Circumstances

Business Cat wrote: »

Insurers are well wide to this as in a lot of the jap imports - Skylines and the like - are now eligible, age wise, for classic / vintage insurance, they will not quote for them under classic insurance. If you have your own insured this way then you must have it for more 6 months because it's in the last 6 months they have cottoned on. Consider yourself lucky if you have it tbh!

This is classic irish insurance industry thinking "irish insurers are well wide to cars fulfilling conventional classic insurance terms and conditions being used as weekend/occasional cars, ye won't get away with carry on any more"

Pugzilla

Why would a girl need a high performance car?

Foxhole Norman

Pugzilla wrote: »

Why would a girl need a high performance car?

Are women not allowed to have high performance cars?

Pugzilla

Foxhole Norman wrote: »

Are women not allowed to have high performance cars?

Most women have little interest in the 0-60 figures of a car. Maybe she's an exception.

Just wondering why she went to the trouble of getting this car considering the difficulties she may have getting it insured.

Toyotafanboi

Business Cat wrote: »

Insurers are well wide to this as in a lot of the jap imports - Skylines and the like - are now eligible, age wise, for classic / vintage insurance, they will not quote for them under classic insurance. If you have your own insured this way then you must have it for more 6 months because it's in the last 6 months they have cottoned on. Consider yourself lucky if you have it tbh!

remembering your username from that AMA thread.

genuine question -

is there anything that an Irish person can do to get insurance on a Japanese import car anymore? performance or otherwise.

out of interest, as S.C. asks, if the cars meets the "classic" criteria for a classic policy and the proposer meets the criteria to take out a policy, why can't they have it?

another genuine question -

do you believe that soon, the only person in Ireland who will be able to insure a car is a 45 year old female accountant from Carlow driving a 1.2 diesel Golf.

seriously, it seems like if you are anything below 35 or above 50 you are getting loaded. any car that isn't a nearly new Golf or Focus is being loaded and every location is being loaded.

but really i don't need to be worried about my policy being loaded because if i don't quickly age by 20 years, get a sex change, buy a golf and move to Carlow, i just won't get a quote because companies aren't interested in taking on anyone who even poses the slightest most minuscule risk.

hattoncracker

Toyotafanboi wrote: »

remembering your username from that AMA thread.

genuine question -

is there anything that an Irish person can do to get insurance on a Japanese import car anymore? performance or otherwise.

out of interest, as S.C. asks, if the cars meets the "classic" criteria for a classic policy and the proposer meets the criteria to take out a policy, why can't they have it?

another genuine question -

do you believe that soon, the only person in Ireland who will be able to insure a car is a 45 year old female accountant from Carlow driving a 1.2 diesel Golf.

seriously, it seems like if you are anything below 35 or above 50 you are getting loaded. any car that isn't a nearly new Golf or Focus is being loaded and every location is being loaded.

but really i don't need to be worried about my policy being loaded because if i don't quickly age by 20 years, get a sex change, buy a golf and move to Carlow, i just won't get a quote because companies aren't interested in taking on anyone who even poses the slightest most minuscule risk.

You know it doesn't matter what you're gender is now, right? That's been done away with, all female rates have been raised to match male ones.

tonedef

bartbanis wrote: »

Does anyone know where I can get a reasonable quote for a Mitsubishi lancer evo 4? I Read through old posts on boards an tried a lot of them with no success.
Xsdirect - no quote
Chill - no quote
123 - no quote
FBD - no quote
nononense - no quote, to name a few.

Quote is for 29yo female 3yrs NCB Full licience 12yrs and 12yrs driving expierence.

I understand the car is difficult to insure but not even to get a quote! I'm aware I can contact the regulator but I can only imagine what kind of quote that will be!
Any help would be greatly appreciated.
Thanks

I've a Toyota GT86 and am insured with Kennco. Might be worth giving them a call.
I get full comprehensive cover for less that €800.

joujoujou

bartbanis wrote: »

Does anyone know where I can get a reasonable quote for a Mitsubishi lancer evo 4? [...]

Shop around, try at least two brokers.

Additionally - I'm not sure if insurance companies can legally deny to quote you - as car insurance is obligatory thing in Ireland so IMO they have to give a quotation. It may be a good idea to report them to Financial Services Ombudsman.

https://www.financialombudsman.ie/

Pugzilla

joujoujou wrote: »

Shop around, try at least two brokers.

Additionally - I'm not sure if insurance companies can legally deny to quote you - as car insurance is obligatory thing in Ireland so IMO they have to give a quotation. It may be a good idea to report them to Financial Services Ombudsman.

https://www.financialombudsman.ie/

They have a right to refuse to quote, but they must give you a reason.

hattoncracker

joujoujou wrote: »

Shop around, try at least two brokers.

Additionally - I'm not sure if insurance companies can legally deny to quote you - as car insurance is obligatory thing in Ireland so IMO they have to give a quotation. It may be a good idea to report them to Financial Services Ombudsman.

https://www.financialombudsman.ie/

They're not obliged to quote, but if they decline you can ask for it in writing, if you get three declinature letters from 3 insurance companies you contact the declined cases board, and they will nominate one who will be obliged to quote.

edburg

I was given these as a possible contact for insuring performance car.
http://www.powerinsurances.ie/private-car-insurance/

I don't have experience with them as I only found out after my renewal, but was told they can accommodate most cars.

Also most of the mentioned insurers would not entertain my 08 opc astra either, Performance car is an excuse/leprosy these days.
days.

joujoujou

Pugzilla wrote: »

They have a right to refuse to quote, but they must give you a reason.

hattoncracker wrote: »

They're not obliged to quote, but if they decline you can ask for it in writing, if you get three declinature letters from 3 insurance companies you contact the declined cases board, and they will nominate one who will be obliged to quote.

Thanks for explanation. Obviously the one obliged to quote would give sky high one.

Chris_Heilong

I can just see more and more uninsured drivers taking to the road because of the stupidity of insurance companies trying to cherry pick the market, This is a bad thing for the rest of us that are fully insured.

Liberty tried to enter the UK market were things are fairer and failed miserably. Japanese imports are much better cars than their European equivalents and I dont see myself driving anything else, in fact I try my best to encourage more people to drive them whenever I can.

Insurance companies are the bad guys, they need to be reformed here or the legal obligation needs to be relaxed.

Boskowski

Pugzilla wrote: »

Why would a girl need a high performance car?

Why would anyone?

joujoujou

Why not?

Pugzilla

Boskowski wrote: »

Why would anyone?

High performance cars are pointless considering a 5 grand sportbike will humiliate the vast majority of cars.

Pov06

Pugzilla wrote: »

High performance cars are pointless considering a 5 grand sportbike will humiliate the vast majority of cars.

Economic cars are also pointless because a bicycle would humiliate all cars.

Boskowski

joujoujou wrote: »

Why not?

True and yet its not the point. Nobody needs a high performance car. There isn't a public road in this country where you're allowed to driver faster than 120 km/h. We could technically all drive 1.4s with 90 BHP at max unless you're a farmer pulling a cow box if we're talking about need.

Pugzilla

Pov06 wrote: »

Economic cars are also pointless because a bicycle would humiliate all cars.

I think even an economy car will beat a bicycle in a drag race.

ironclaw

Boskowski wrote: »

Why would anyone?

There actually is a fairly strong case to say its pointless in Ireland. And I do agree to some extent. I've been lucky to drive and race some of engineerings best outputs in Europe and the US, and compared to here, its a joy. Your pride and joy in Ireland will either:

1) Be Stolen
2) Cut you to the bone to tax
3) Won't be insurable
4) Destroyed / Disrespected in by the roads or in car parks.

Its far better to leave the country occasionally and enjoy them where they are meant to be enjoyed.

bartbanis

Stoolbend wrote: »

Was that online or did you ring them?

i contacted all insurers by phone, decline ,decline and decline!

bartbanis

celica00 wrote: »

How old is your car? I was able to insure mine as a classic (which worked out perfectly as I also have and use a daily driver)

Its a 1997, would that qualify foe classic insurance??

bartbanis

tonedef wrote: »

I've a Toyota GT86 and am insured with Kennco. Might be worth giving them a call.
I get full comprehensive cover for less that €800.

I only tried these guys online and no quote, ill give them a call on monday. thanks

bartbanis

edburg wrote: »

I was given these as a possible contact for insuring performance car.
http://www.powerinsurances.ie/private-car-insurance/

I don't have experience with them as I only found out after my renewal, but was told they can accommodate most cars.

Also most of the mentioned insurers would not entertain my 08 opc astra either, Performance car is an excuse/leprosy these days.
days.

ill give these a try on monday too, thanks

R.O.R

Pugzilla wrote: »

High performance cars are pointless considering a 5 grand sportbike will humiliate the vast majority of cars.

High performance sports bikes are pointless, considering even a Dacia Sandero means you don't have to dress up like a member of the Village People or get piss wet through, when you go anywhere.

irishneo

whats the BHP of the car.

bartbanis

irishneo wrote: »

whats the BHP of the car.

280 BHP, car is completely standard and unmodified.

bartbanis

I had a 2001 subaru impreza WRX STi 280bhp insured with FBD for €540 TPFT with additional driver! When I rang them to change over they told me cars are in different groups and they would not cover 1997 Evo 4!

pah

It's all a ****ing racket

blindside88

bartbanis wrote: »

Its a 1997, would that qualify foe classic insurance??

It won't qualify for classic insurance until it's 20 years old unfortunately. When it is 20 years old Campion Insurance have no problem covering jap imports as a classic. At the minute a brokers is probably the best way to go to get cover. There is a company called Octane that only sell through brokers and they specialise in high risk cases so might be worth a look

ironclaw

bartbanis wrote: »

280 BHP, car is completely standard and unmodified.

Ironically a 535D would have more with a slight tune and is perfectly insurable. An S3 and Golf R would have more and again, no issues.

Crazy.

bartbanis

ironclaw wrote: »

Ironically a 535D would have more with a slight tune and is perfectly insurable. An S3 and Golf R would have more and again, no issues.

Crazy.

Makes absolutely no sense whats so ever! car will only prob do about 5000km p/a too!

edburg

ironclaw wrote: »

There actually is a fairly strong case to say its pointless in Ireland. And I do agree to some extent. I've been lucky to drive and race some of engineerings best outputs in Europe and the US, and compared to here, its a joy. Your pride and joy in Ireland will either:

1) Be Stolen
2) Cut you to the bone to tax
3) Won't be insurable
4) Destroyed / Disrespected in by the roads or in car parks.

Its far better to leave the country occasionally and enjoy them where they are meant to be enjoyed.

Except the tax (although other countries are just as bad) that would count for every country in world whatever the car.


As for the previous whats the point comment that's pure ignorance.

Pugzilla

R.O.R wrote: »

High performance sports bikes are pointless, considering even a Dacia Sandero means you don't have to dress up like a member of the Village People or get piss wet through, when you go anywhere.

Is that all you've got?

Having a pop at safety gear?

Do you take a Ferrari out when it's pissing rain?

A stock 1000cc sportbike will so 0-60 in less than 3 seconds, 150 km/hr in first gear, 9 second quartermile and has a electronically limited top speed of 300 km/hr.

Annual Tax is €88.

Servicing costs less than an economy car.

Thrill far exceeds any road legal car.

Enjoy your Golf.

Eric Cartman

Pugzilla wrote: »

Is that all you've got?

Having a pop at safety gear?

Do you take a Ferrari out when it's pissing rain?

A stock 1000cc sportbike will so 0-60 in less than 3 seconds, 150 km/hr in first gear, 9 second quartermile and has a electronically limited top speed of 300 km/hr.

Annual Tax is €88.

Servicing costs less than an economy car.

Thrill far exceeds any road legal car.

Enjoy your Golf.

and how do you get 2 adults and 2 kids down the country in 1 go ?

also I know lots of people who've driven cars for 20 years and barely had a carpark tip.

Everyone I know on a bike has had either a life threatening near miss or a scar / limp and a story to tell.

Pugzilla

Eric Cartman wrote: »

and how do you get 2 adults and 2 kids down the country in 1 go ?

also I know lots of people who've driven cars for 20 years and barely had a carpark tip.

Everyone I know on a bike has had either a life threatening near miss or a scar / limp and a story to tell.

Almost every biker I know has a car for boring mundane stuff like shopping and carrying passengers.

I have my own share of near misses and a bike will never be safe as a car. It's a personal decision.

CianRyan

Pugzilla wrote: »

Almost every biker I know has a car for boring mundane stuff like shopping and carrying passengers.

I have my own share of near misses and a bike will never be safe as a car. It's a personal decision.

You're right, so stop being a dickhead.

Pugzilla

CianRyan wrote: »

You're right, so stop being a dickhead.

Stating facts makes me a dickhead?

The reality is that, unless you're super rich, no car can match a bike's performance.

End of story.

Pugzilla

LIGHTNING wrote: »

So? A 500 euro Polo will be safer in crash than a top of the range bike. Am I playing the random fact game correctly?

What does safety have to do with performance?

And if we're talking about a high speed crash in a polo, I will take my chances on a bike. Burning to death while trapped in a heap of twisted metal isn't appealing to me.

YbFocus

Cannot believe what I've read in this thread

Performance car insurance leads to man telling everyone they are **** and buy a bike for thrills.
Some like bikes, some cars, some both.
I love both and have two off road bikes.

They are a awesome thrill but there's some things you can not get from a bike that i get from my car.

This is the car area, if you go to the bike men they'll surely agree.

Performance is about more than top end speed and outright biggest dick figures.
Any slightly twisty road and that Evo will be waiting for you to pull over. .

Pugzilla

I'm not encouraging anyone here to get a bike. Your average car driver is barely able to get to their destination without having an accident. Imagine that now on 2 wheels with a fraction of the grip?

Plenty of examples where pro riders have gotten better lap times than production sportscars. Ducati 1198s has beaten a 458 italia for example.

The average rider, including myself, can't ride a supersport to it limit, never mind a superbike.

Takes a lot more skill to push a bike to its limit than cars due to traction issues. Get it wrong on a bike and it will bite you.

NickDunne

Pugzilla wrote: »

I'm not encouraging anyone here to get a bike. Your average car driver is barely able to get to their destination without having an accident. Imagine that now on 2 wheels with a fraction of the grip?

Plenty of examples where pro riders have gotten better lap times than production sportscars. Ducati 1198s has beaten a 458 italia for example.

The average rider, including myself, can't ride a supersport to it limit, never mind a superbike.

Takes a lot more skill to push a bike to its limit than cars due to traction issues. Get it wrong on a bike and it will bite you.

That's all very nice but what has it got to do with the topic of insuring an evo?...

bartbanis wrote: »

Does anyone know where I can get a reasonable quote for a Mitsubishi lancer evo 4? I Read through old posts on boards an tried a lot of them with no success.
Xsdirect - no quote
Chill - no quote
123 - no quote
FBD - no quote
nononense - no quote, to name a few.

Quote is for 29yo female 3yrs NCB Full licience 12yrs and 12yrs driving expierence.

I understand the car is difficult to insure but not even to get a quote! I'm aware I can contact the regulator but I can only imagine what kind of quote that will be!
Any help would be greatly appreciated.
Thanks

Pugzilla

NickDunne wrote: »

That's all very nice but what has it got to do with the topic of insuring an evo?...

I made a passing comment about bikes when people were discussing the difficulty of insuring a performance car. Now I've a lot of irate car drivers at my door.

EazyD

Pugzilla wrote: »

I made a passing comment about bikes when people were discussing the difficulty of insuring a performance car. Now I've a lot of irate car drivers at my door.

Passing comment? Seems more like a dick measuring excercise than anything else.

NickDunne

Pugzilla wrote: »

I made a passing comment about bikes when people were discussing the difficulty of insuring a performance car. Now I've a lot of irate car drivers at my door.

And you're surprised?? First comment set the trend really...

Pugzilla wrote: »

Why would a girl need a high performance car?

Followed by a few derogatory comments about cars(in a motoring forum :rolleyes:)

Pugzilla wrote: »

Almost every biker I know has a car for boring mundane stuff like shopping and carrying passengers.

I have my own share of near misses and a bike will never be safe as a car. It's a personal decision.

Pugzilla wrote: »

The reality is that, unless you're super rich, no car can match a bike's performance.

End of story.

Then comparing laptimes of a 1198s to a 458?? On a thread about insuring an Evo 4?

Pugzilla wrote: »

I'm not encouraging anyone here to get a bike. Your average car driver is barely able to get to their destination without having an accident. Imagine that now on 2 wheels with a fraction of the grip?

Plenty of examples where pro riders have gotten better lap times than production sportscars. Ducati 1198s has beaten a 458 italia for example.

The average rider, including myself, can't ride a supersport to it limit, never mind a superbike.

Takes a lot more skill to push a bike to its limit than cars due to traction issues. Get it wrong on a bike and it will bite you.

2/10 for effort. Off to the motorcycle forum with you.

irishneo

dont understand how you cant get a quoate
i pay €540 fully comp + on my 2007 focus st

Señor Fancy Pants

Pugzilla wrote: »

I'm not encouraging anyone here to get a bike. Your average car driver is barely able to get to their destination without having an accident. Imagine that now on 2 wheels with a fraction of the grip?

Plenty of examples where pro riders have gotten better lap times than production sportscars. Ducati 1198s has beaten a 458 italia for example.

The average rider, including myself, can't ride a supersport to it limit, never mind a superbike.

Takes a lot more skill to push a bike to its limit than cars due to traction issues. Get it wrong on a bike and it will bite you.

Nobody.cares

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