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High performance Car insurance.

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Comments

  • Hosted Moderators Posts: 9,963 ✭✭✭mik_da_man


    The issue here is not the "high performance" side of it, it's the car itself..

    They are well known for getting rallied around the place and written off therefore a much larger risk.

    I've had and have higher performance cars and had no real issues insuring them, they are prob in the same class but just don't have the rep of an Evo.

    Give Archas a call, I was with them a few years ago with a fairly modified ST and they had no issues getting good quotes for me, they mentioned that it would be in the lower end of the modified/high performance stuff they have covered.


  • Registered Users, Registered Users 2 Posts: 6,964 ✭✭✭Cherry Blossom


    Hi OP, about 8/9 years ago I had a jap import type R Honda Integra insured for €1000 with a high excess with a company called Top Quote Direct. I think the car had to have a value higher than €10,000 though.


  • Registered Users, Registered Users 2 Posts: 8,584 ✭✭✭TouchingVirus


    Contact First Ireland? They're a broker for, among others, Kennco. It's who I'm insured with on my germanwagon.


  • Registered Users, Registered Users 2 Posts: 24,523 ✭✭✭✭Cookie_Monster


    Pugzilla wrote: »
    Your average car driver is barely able to get to their destination without having an accident.

    I'll have to be extra vigilant for the scores of corpses and heaps of twisted metal on the road sides next time I'm back home.


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


    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.

    1) very little tbh. I've seen a few get through over the last few months but that was either as part of a fleet insurance policy or if the person had additional business with the company for a couple of grand, otherwise it's a very very narrow market. All I could suggest would be for people to contact some.of the larger corporate brokers like Aon, Arachas, JLT to name but 3. They may have links to some of the Lloyds syndicates that may be able cover the cars.

    2) Classic / vintage insurance was started for people with "classic" cars - Austin's, Datsuns, Rolls Royces etc, ie cars that are not fit for day to day usage (generally speaking) What's happening now is that alot of people that own early to mid 90s import / performance cars think it's a loophole that can be exploited. The classic insurance policy was designed for small engined, low powered (in the main) cars. Jap imports, modified cars etc are not within this bracket therefore the classic insurance is not fit for purpose.

    3) Insurance companies have their criteria and will mainly stick to it. My Dad retired in December. He had been driving a company for 40 odd years so had no bonus of his own other than on a Landcruiser he has for his farm. I spent an afternoon getting quotes for him and they ranged up to €1000 + for him and my mam. He is 61, full clean license, never made a claim in his life. After a bit of leg work I got him fully comp, full NCB protection, mother as named driver on a 2013 2l Avensis for around €370 with Aviva. The moral of the story is, shop around. Cheaper insurance is available, the market is cyclical ie some insurers will charge more than their counterparts but be cheaper in 12 months time.


  • Closed Accounts Posts: 7,569 ✭✭✭Special Circumstances


    Ah classic insurance is for low power small engined rolls royces. Only in ireland.

    An MX5 wouldn't be a classic at all meow, being jap you see. Lancia delay hf integrale? Too powerful. 1980 porsche? Death machine lad fierce big injun. Classic Ferrari - no we only insure Ford Anglias I'm afraid. Purrfectly ridiculous.


  • Registered Users, Registered Users 2 Posts: 12,917 ✭✭✭✭Toyotafanboi


    1) very little tbh. I've seen a few get through over the last few months but that was either as part of a fleet insurance policy or if the person had additional business with the company for a couple of grand, otherwise it's a very very narrow market. All I could suggest would be for people to contact some.of the larger corporate brokers like Aon, Arachas, JLT to name but 3. They may have links to some of the Lloyds syndicates that may be able cover the cars.

    2) Classic / vintage insurance was started for people with "classic" cars - Austin's, Datsuns, Rolls Royces etc, ie cars that are not fit for day to day usage (generally speaking) What's happening now is that alot of people that own early to mid 90s import / performance cars think it's a loophole that can be exploited. The classic insurance policy was designed for small engined, low powered (in the main) cars. Jap imports, modified cars etc are not within this bracket therefore the classic insurance is not fit for purpose.

    3) Insurance companies have their criteria and will mainly stick to it. My Dad retired in December. He had been driving a company for 40 odd years so had no bonus of his own other than on a Landcruiser he has for his farm. I spent an afternoon getting quotes for him and they ranged up to €1000 + for him and my mam. He is 61, full clean license, never made a claim in his life. After a bit of leg work I got him fully comp, full NCB protection, mother as named driver on a 2013 2l Avensis for around €370 with Aviva. The moral of the story is, shop around. Cheaper insurance is available, the market is cyclical ie some insurers will charge more than their counterparts but be cheaper in 12 months time.

    Point 2 seems ridiculous. it makes no sense, it's like it's not taking the existence of time into account. like for example an R32 Datsun Skyline is 27 years old now and the original Mitsubishi Evolution isn't far behind it, the 71 series Starlet Turbo just turned 30 this year... Now i know the rule for "classic" tax status in Ireland is a rolling 30 years and these cars are coming up on this threshold hard and fast, but why would the owners of these cars, genuine enthusiasts who have nursed and minded their cars to this stage not be allowed to insure them? because they aren't as old as some older cars?

    i just feel like this whole situation makes very little sense. i understood when certain things made policies more expensive, but to just start eliminating huge groups like this is terrible news for the Irish "car scene"... this is a controversial statement (on this site) but a lot of the most interesting, most exciting cars we have here are over ten years of age and Japanese and now they have all been effectively wiped out. there is nothing left for us but diesel Golfs and all they do is give people cancer. i know that's a bit of a knee jerk post but that is the reality.

    i just feel like i've been screwed personally. i also think a lot of the risk assessment is absolute bull****.

    personally i'm driving 9 years now. i bit the bullet as i was advised to at age 17 and took out my first policy for €3500 euro to start building my no claims, spent nearly €10k on insurance in my first 3 years on a Datsun Micra 1.0... now i earned my next 5 years NCB driving a Starlet Turbo, i'm sure you'l agree possibly the most blacklisted car there is, i've taken an insurance increase every year for the last 5 years, despite my car staying the same, my address staying the same yet i am getting older and my NCB is getting bigger, but i even tolerated that, it was worth it, somehow. So i've proven over the last 8 years that i can keep my nose clean on the roads, never so much as came onto the Gardai's radar (excuse the pun) for so much as a speeding ticket and now with 8 years NCB and the same car that i've had for the last 5 years, you're telling me i can't have it any more? something needs to be done. i'm being childish here but it is utter bull****!

    So i took it off the road, said i'd put it in a shed for a few years, take it out when it's 30, but apparently there is no point as it's utterly insurance proof for the rest of time because it'l never be a turn of the century Rolls Royce befitting of a classic (not vintage) policy. this pristine example of an increasingly rare model may as well be sent to the recycling center, i can never drive it legally again.

    then the real pièce de résistance , said i'd buy a "new"-er car this year to get a little bit up in the years to stand some chance of getting a policy. quoting around for a 2002 Japanese import Celica, no way, no how, no company was interested for no amount of money. i bought a 2002 UK import Celica and insured it for a shade over €500, any and every company was willing to talk and negotiate. IT IS THE EXACT SAME CAR JAPANESE MODEL vs. UK!

    sorry, i'm ranting and not at you Business Cat, thanks for taking to time to post some industry insight, but it is somewhat illogical.

    edit:
    also, if you have time for just one more genuine question -

    a previous poster in another thread made a startling observation, one that may shock you too. that nearly every (if not absolutely every) car on the island of Ireland that has ever been involved in a claim has been one on the four wheeled variety, so this must show in industry statistics; should we not look at banning four wheeled cars next as they are clearly the most accident prone kind?

    i just feel, seeing as i am obliged by law to have insurance; and the last time i checked, Ireland "is a free country" so to speak so i can buy whatever vehicle i please but the same law makers that oblige me to have insurance aren't obliged to ensure i have a source for same. It doesn't have to be anything fancy, just a source of an absolute bare basics policy to meet the mandatory third party cover necessary to allow me to use the road.


  • Registered Users Posts: 104 ✭✭bartbanis


    Ok, i've contacted the following companies by phone:
    Power insurance - no quote
    JLT - no quote
    Kennco - No quote
    Campion - no quote
    First ireland - no quote
    Britton - no quote
    Arachas - waiting on a callback but not holding much hope.

    Is that it, am I as well to give up? I'm drained from ringing these people.
    Latest one now is that companies are now not insuring cars over 15yrs old.


  • Registered Users Posts: 104 ✭✭bartbanis


    Arachas just got back to me and they now don't do new quotes for cars 15yrs and older.
    What a shock.


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  • Registered Users, Registered Users 2 Posts: 2,249 ✭✭✭pippip


    Are their any Irish Mitsubishi/Evo forums you could go on and see who others who actually have them here are with?
    EDIT - found these http://www.evoireland.com/forum/


  • Registered Users, Registered Users 2 Posts: 20,180 ✭✭✭✭jimgoose


    AXA quoted me €953.93 full-comp on a 1997 Lancer RS Evo IV. Then again I'm disturbingly old and boring. Might be worth giving them a bell, though.


  • Registered Users, Registered Users 2 Posts: 20,180 ✭✭✭✭jimgoose


    'Nother thing I noticed while I was arsing around - I'm quoted €470 on a 2001 2.5l Saab 9-3, but €530 on a 2l. Goes to show, there's more to these risk calculations of theirs than meets the eye! :D


  • Registered Users Posts: 104 ✭✭bartbanis


    jimgoose wrote:
    boring
    jimgoose wrote:
    AXA quoted me €953.93 full-comp on a 1997 Lancer RS Evo IV. Then again I'm disturbingly old and boring. Might be worth giving them a bell, though.
    My daily driver is insured with Axa last few yrs. I did try them first but would not quote like the rest unfortunately.


  • Registered Users, Registered Users 2 Posts: 853 ✭✭✭edburg


    Have you hit the brokers around town.

    Brosnan, Boyle and golden in mallow given me n old man decent quotes.

    Evo owner I know is on www.mitsipieces.com forum, maybe worth a shot joining asking around.


  • Registered Users Posts: 5,572 ✭✭✭Colser


    Did you ring Power insurance as suggested earlier?


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  • Registered Users, Registered Users 2 Posts: 20,180 ✭✭✭✭jimgoose


    bartbanis wrote: »
    My daily driver is insured with Axa last few yrs. I did try them first but would not quote like the rest unfortunately.

    Bugger. Must be your age/NCB. :mad:


  • Registered Users Posts: 392 ✭✭NickDunne


    2) Classic / vintage insurance was started for people with "classic" cars - Austin's, Datsuns, Rolls Royces etc, ie cars that are not fit for day to day usage (generally speaking) What's happening now is that alot of people that own early to mid 90s import / performance cars think it's a loophole that can be exploited. The classic insurance policy was designed for small engined, low powered (in the main) cars. Jap imports, modified cars etc are not within this bracket therefore the classic insurance is not fit for purpose.

    Just to clarify this, does this mean that if I garage my 01 fiesta zs for another 5/6 years it wont roll into the 20 year classic bracket? Just because it doesn't fit their 'definition' of classic?


  • Registered Users Posts: 104 ✭✭bartbanis


    Colser wrote: »
    Did you ring Power insurance as suggested earlier?

    no quote as not quoting under 30! quote is for 29yo!!


  • Registered Users Posts: 104 ✭✭bartbanis


    edburg wrote: »
    Have you hit the brokers around town.

    Brosnan, Boyle and golden in mallow given me n old man decent quotes.

    Evo owner I know is on www.mitsipieces.com forum, maybe worth a shot joining asking around.

    Tomorrow is another day, I've calmed down so i'll try again tomorrow!


  • Closed Accounts Posts: 4,935 ✭✭✭TallGlass


    I'll sum up the Irish insurance market, in the space of 7 years I absolutely hate driving and you cannot win no matter what you do.

    I started off my driving career on the path most tell you not to go down the high performance route at the time it was a 1.6 Honda Integra (92), SOHC bit high powered for a learner I will admit, but a car is a car in my eyes, I have seen some roppy driving from normal cars in my time than 'high performance' cars, I then moved onto a 1.6 Mivec ZR (98) then moved to a GSR (99) then finally moved onto a Evolution 4 (96), all over 7 years in this time I never got one penalty point, never had a fine and never brought to court and never a car stolen as I was strict on security, blocked the high performance cars in behind another, secure parking in town etc..

    I had a NCB of 5/6 years, I was around 23/24 when I finally said funk this, still getting quotes 1700/2000 euros. I dropped down (well went up) to a BMW 520i, got quote 900/1000 euro, finally I am in an absolute stock car by my going, a 1.4 VVTI Toyota Corolla Saloon (00) and was told that it was high performance.


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  • Registered Users Posts: 104 ✭✭bartbanis


    Is this what we have to look forward to over the next few years of driving?


  • Registered Users, Registered Users 2 Posts: 7,301 ✭✭✭Supergurrier


    Ireland is a horrible country to be a petrolhead


  • Registered Users Posts: 104 ✭✭bartbanis


    Are there no companies out there that insure limited miles per year for these cars? They do in the UK as far as i'm aware.


  • Closed Accounts Posts: 7,569 ✭✭✭Special Circumstances


    TallGlass wrote: »
    I am in an absolute stock car by my going, a 1.4 VVTI Toyota Corolla Saloon (00) and was told that it was high performance.

    But they have data to support this assertion! As indeed the have data to support every assertion they make.

    Absolutely positively no chance at all that they are talking out their holes and laughing because there's not a lot you can do about it.

    Meow dare you even question them!






    No, you can't see the data.
    Lolz...


  • Registered Users, Registered Users 2 Posts: 254 ✭✭davidglanza


    I just insured my evo 3 with campion for 300 euro..


  • Registered Users Posts: 104 ✭✭bartbanis


    I just insured my evo 3 with campion for 300 euro..

    I tried them today and no joy, told me car was too old. were you an existing customer?


  • Registered Users Posts: 104 ✭✭bartbanis


    Liberty just quoted me by myself €1102.06 TPFT and with partner €839.65 TPFT!
    I thought I already tried these guys and was turned away. In fact I'm almost positive I was. I've tried so many it's hard to remember them all. Any point trying to haggle with them!!!!????


  • Registered Users, Registered Users 2 Posts: 4,974 ✭✭✭Chris_Heilong


    bartbanis wrote: »
    Liberty just quoted me by myself €1102.06 TPFT and with partner €839.65 TPFT!
    I thought I already tried these guys and was turned away. In fact I'm almost positive I was. I've tried so many it's hard to remember them all. Any point trying to haggle with them!!!!????

    No, just take it quick.


  • Registered Users, Registered Users 2 Posts: 254 ✭✭davidglanza


    bartbanis wrote: »
    I tried them today and no joy, told me car was too old. were you an existing customer?

    No I wasn't an existing customer I rang them and asked for a classic policy and they quoted me 300.. you must have a normal car policy though..


  • Registered Users Posts: 104 ✭✭bartbanis


    No I wasn't an existing customer I rang them and asked for a classic policy and they quoted me 300.. you must have a normal car policy though..

    yes, I was looking for a normal policy. That's prob it.


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  • Registered Users Posts: 392 ✭✭NickDunne


    bartbanis wrote: »
    Liberty just quoted me by myself €1102.06 TPFT and with partner €839.65 TPFT!
    I thought I already tried these guys and was turned away. In fact I'm almost positive I was. I've tried so many it's hard to remember them all. Any point trying to haggle with them!!!!????

    My renewal last year was €863 with axa. They're idea of "haggling" was to knock a whole €30 off and say that was the best they could do. I told the poor lad on the end of the phone he was taking the piss and it would be better for all involved if I just hung up :pac:

    Eventually got fully comp cover with 25plus.ie(AIG underwriters) for €494.

    Checked quote again with them for the laugh and only up to €520 which I should be able to get down a bit.

    The only way to haggle is to make up some BS quote that you got from another insurer and hope they dont call your bluff.


  • Registered Users Posts: 104 ✭✭bartbanis


    NickDunne wrote: »
    My renewal last year was €863 with axa. They're idea of "haggling" was to knock a whole €30 off and say that was the best they could do. I told the poor lad on the end of the phone he was taking the piss and it would be better for all involved if I just hung up :pac:

    Eventually got fully comp cover with 25plus.ie(AIG underwriters) for €494.

    Checked quote again with them for the laugh and only up to €520 which I should be able to get down a bit.

    The only way to haggle is to make up some BS quote that you got from another insurer and hope they don't call your bluff.

    With a 1997 jap evo 4, don't you think they could call my bluff pretty quick?! Anything is worth a try, I do agree! It's a pity these insurance companies don't ask for car details at the beginning before you have to give all other details, save a lot of time and agro!


  • Registered Users, Registered Users 2 Posts: 10,122 ✭✭✭✭Jimmy Bottlehead


    Same issue as the OP so hope the mods don't mind me cracking this topic open. If not, just move it to a new topic.

    The hassle I'm having even getting quotes for the S2000 is unreal. I've had two quotes so far - 3k from Axa, and 1100 from Sullivan Insurances. And that's it! Nobody else even quoting.

    29 years old, 5 years NCB and the above is the result. It's ****ing pathetic that this country treats drivers so badly.


  • Registered Users, Registered Users 2 Posts: 14,721 ✭✭✭✭CianRyan


    I'd love to get €1100 on my MX5, never mind an S2000!


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