How the hell am I supposed to get insurance?

Lugh97

Okay so I'm a 17 year old male and for the past 3 months I have been looking for insurance. My mother is insured with Aviva but they won't insure me as a named driver since her car is more than 10 years old and now this new crap that you can't insure a car more than 15 years old how am I possibly going to get insured?

I've talked to a broker, called multiple insurance companies and the best quote I got was if I bought a 99 1L VW polo for about €900 and the policy would have been €6000.... I can't even get insured under my own policy on my moms car (02 1.4 Ford Focus) and The car is worth just over a grand.

The broker said the only options you have is if my mother got a newer car but even as a named driver the cost of insuring me will still be outrageous, buy my own car or I wait until I have my full license but how am I supposed to pass my test if the only experience I have driving is 12 hour long lessons....

Does anybody have any tips for me? What are the best insurance companies as I'm sure there are ones I haven't checked.

I am tempted just to get a motorcycle, I have my license for one and I could get bike, insurance and gear for just under 3 thousand but it's hardly ideal. With room for just me and no more than a rust gathering piece of metal in the winter months (July to May) also paired with the fact that you're putting a lot of your safety into the hands of other motorists I don't think saving a bit of money is worth unnecessarily risking my life day in day out.

Guy:Incognito

Lugh97 wrote: »

Okay so I'm a 17 year old male and for the past 3 months I have been looking for insurance. My mother is insured with Aviva but they won't insure me as a named driver since her car is more than 10 years old and now this new crap that you can't insure a car more than 15 years old how am I possibly going to get insured?

I've talked to a broker, called multiple insurance companies and the best quote I got was if I bought a 99 1L VW polo for about €900 and the policy would have been €6000.... I can't even get insured under my own policy on my moms car (02 1.4 Ford Focus) and The car is worth just over a grand.

The broker said the only options you have is if my mother got a newer car but even as a named driver the cost of insuring me will still be outrageous, buy my own car or I wait until I have my full license but how am I supposed to pass my test if the only experience I have driving is 12 hour long lessons....

Does anybody have any tips for me? What are the best insurance companies as I'm sure there are ones I haven't checked.

I am tempted just to get a motorcycle, I have my license for one and I could get bike, insurance and gear for just under 3 thousand but it's hardly ideal. With room for just me and no more than a rust gathering piece of metal in the winter months (July to May) also paired with the fact that you're putting a lot of your safety into the hands of other motorists I don't think saving a bit of money is worth unnecessarily risking my life day in day out.

You could always get more lessons. A minimum requirement for number of lessons is just that, you're free to get 100 lessons if you want.

darlenmol

I paid 4000 euros when i was 23 in 2003 on a provisional license . Its gotten worse but it was always tough. keep shopping around for a few weeks and try get it under 4k. Do you have the full license yet? If not get that first it should cut the cost by a 1/3 at least. car value doesn't really come into it i my experience, they just don't want high risk drivers.


EDIT: oops my eyes missed the 3rd paragraph. You are a learner driver ok.

Stheno

Get insured as a named driver on your mother's car, practise in it and get your own car when you pass the test?

Lugh97

Guy:Incognito wrote: »

You could always get more lessons. A minimum requirement for number of lessons is just that, you're free to get 100 lessons if you want.

I could but they're not cheap. I don't want to end up doing 30 lessons for the next year like. I know its a viable option but keep in mind I'm an eager and impatient teenager lol. and if I pass then still have to pay the difference on the insurance anyway..

PolaroidPizza

get used to it young man, you have a whole life of getting screwed by the car insurance industry ahead of you....a bit of good news though, it gets a bit easier after you reach 30.

Stheno

Stheno wrote: »

Get insured as a named driver on your mother's car, practise in it and get your own car when you pass the test?

Just saw you can't get insured as a named driver

Guess your only options are to get a newer car or wait a while

Lugh97

darlenmol wrote: »

I paid 4000 euros when i was 23 in 2003 on a provisional license . Its gotten worse but it was always tough. keep shopping around for a few weeks and try get it under 4k. Do you have the full license yet? If not get that first it should cut the cost by a 1/3 at least. car value doesn't really come into it i my experience, they just don't want high risk drivers.


EDIT: oops my eyes missed the 3rd paragraph. You are a learner driver ok.

I don't have a full license since I'm almost done my lessons but I would be nowhere near confident or comfortable enough to take the test. My only experience in the car is once or twice on the beach and then during the lessons. My mother is too busy with work to take me out and teach me, my dad is working in London so thats a no go either

Lugh97

Stheno wrote: »

Get insured as a named driver on your mother's car, practise in it and get your own car when you pass the test?

I dunno if I didn't explain myself clearly enough but for some stupid reason since my moms car is more than 10 years old I can't get insured as a named driver....

Lugh97

PolaroidPizza wrote: »

get used to it young man, you have a whole life of getting screwed by the car insurance industry ahead of you....a bit of good news though, it gets a bit easier after you reach 30.

Hahaha but with that comes a lot of things that get harder :P

Lugh97

Stheno wrote: »

Just saw you can't get insured as a named driver

Guess your only options are to get a newer car or wait a while

No worries. Yeah, my mom is getting a new car but its an Audi A7 quattro version soooooooo. There's not a hope I'll even be left near it.... and they'd just laugh at you if you rang them up asking for a quote on that.

nc19

Lugh97 wrote:

...... and no more than a rust gathering piece of metal in the winter months......

Do motorbikes no work in the winter or something???

cormie

Lugh97 wrote: »

but keep in mind I'm an eager and impatient teenager lol.

And that's why your insurance is so high :pac:

Some companies have a strange trick where if you get insured, and then say put your mother as a named driver, it will bring your policy price down.

If you have the money now, I'd probably just go with getting your own policy, keep shopping around, get a banger and drive it into the ground, bring it to empty car parks at night and really learn how to handle and control it in all situations. Get as much experience as you can and be sensible on the road and don't act the maggot with friends too much or get yourself any points, take the test as soon as possible and pass it as soon as possible and you should be able to get a much better price next year.

TallGlass

Get in touch with the insurance federation. They have to insurse you one way or another. And they can't give a quote of 6000€ that's just as good as saying know.

Government need to step in to this insurance industry in Ireland there getting away with whatever they want.

Lugh97

nc19 wrote: »

Do motorbikes no work in the winter or something???

haha well, exaggeration for affect. I would just much prefer a car as much as I love motorbikes, at this stage its not very feasible for me to get one but its looking like the best option...

Lugh97

TallGlass wrote: »

Get in touch with the insurance federation. They have to insurse you one way or another. And they can't give a quote of 6000€ that's just as good as saying know.

Government need to step in to this insurance industry in Ireland there getting away with whatever they want.

I didn't even know there was an Insurance federation. I'll try my luck with them and see how I get on, thanks!

ironclaw

I think your age is really against you. 17 is very, very young in the insurance game and you'll be absolutely railed for it. Unless you really need a car, I'd almost sit it out until you are 18. It should drop considerably at that point.

I will also point out that insurance is one of the cheapest aspects of motoring in this country. My cars cost be about €10 per day, every day of the year, and that rises based on mileage. Its not cheap to drive here or anywhere for that matter.

TallGlass

Lugh97 wrote: »

I didn't even know there was an Insurance federation. I'll try my luck with them and see how I get on, thanks!

You'll need three refusal letters and they will force one of them to give you a quote. If they seen 6000€ they will tell them that's seen as a refusal. What type of car are you looking to insure? 6000€ extremely over the top, surprised the system even gave it out.

Lugh97

cormie wrote: »

And that's why your insurance is so high :pac:

Some companies have a strange trick where if you get insured, and then say put your mother as a named driver, it will bring your policy price down.

If you have the money now, I'd probably just go with getting your own policy, keep shopping around, get a banger and drive it into the ground, bring it to empty car parks at night and really learn how to handle and control it in all situations. Get as much experience as you can and be sensible on the road and don't act the maggot with friends too much or get yourself any points, take the test as soon as possible and pass it as soon as possible and you should be able to get a much better price next year.

Never heard of that trick, worth a try at least, see what happens sure.

That's what I'm trying to do but even if I picked up a heap of junk for 5-600 my insurance is still gonna be 4000+ and there's no hope i'd let them rob me (my parents more importantly) like that. Im trying to get this all done as fast as I can. I am a sensible person, I wouldn't be acting the fool in a car knowing the potential danger and you're painted with the same brush as the lads racing around in their civics and starlets. All I want is just to have some form of transport, to get me to and from work and college and general stuff but its proving quite difficult....

savagethegoat

Lugh97 wrote: »

I don't have a full license since I'm almost done my lessons but I would be nowhere near confident or comfortable enough to take the test. My only experience in the car is once or twice on the beach and then during the lessons. My mother is too busy with work to take me out and teach me, my dad is working in London so thats a no go either

Take more lessons until you are confident. Back in the dark ages when I took my test they used to reckon one lesson needed for each year of your life....you're better off with a professional anyway as you eon't be picking up bad habits

Stheno

Lugh97 wrote: »

Never heard of that trick, worth a try at least, see what happens sure.

That's what I'm trying to do but even if I picked up a heap of junk for 5-600 my insurance is still gonna be 4000+ and there's no hope i'd let them rob me (my parents more importantly) like that. Im trying to get this all done as fast as I can. I am a sensible person, I wouldn't be acting the fool in a car knowing the potential danger and you're painted with the same brush as the lads racing around in their civics and starlets. All I want is just to have some form of transport, to get me to and from work and college and general stuff but its proving quite difficult....

How do you currently get to work and college?

Lugh97

TallGlass wrote: »

You'll need three refusal letters and they will force one of them to give you a quote. If they seen 6000€ they will tell them that's seen as a refusal. What type of car are you looking to insure? 6000€ extremely over the top, surprised the system even gave it out.

It was a 1L 02 polo. I just thought of the smallest car that wouldn't be too much to insure. My aunt was going to give me her almera but they came back with a similar quote, a bit more actually.

I know, I find is impossible to grasp the logic behind it.

Lugh97

Stheno wrote: »

How do you currently get to work and college?

I cycle to work and I'm going to college in september. I mean I could get away with cycling and public transport but I would rather drive although its not looking optimistic. Bumming lifts gets old, and there are days where if I want to or need to go somewhere it'll take me an hour to cycle there since I live in the backarse of nowhere.

hardCopy

Beg your mother not to upgrade to something so big until your qualified.

Guy:Incognito

Lugh97 wrote: »

I know its a viable option but keep in mind I'm an eager and impatient teenager lol. ..

Which is why insurance is very expensive.


EDIT, Beaten to it.

Kevwoody

Not being funny here but what do you expect when your only driving experience is on the beach or a few lessons??

My advice would be get a few more lessons and apply for your test, the quotes will come well down with a full license. I know you want to get on the road asap but it's just not worth the extra cost. I'm speaking from experience here, I paid Quinn Direct €4950 back in 2001 for insurance on a 1997 1 litre peugot 106. I had no experience and a provisional license. A year later, same car, I year ncb and a full license, €1900

To Elland Back

The declined cases committee in The Irish Insurance Federation only help people looking to obtain their own insurance. They cannot force an insurer to add a driver to someone's policy

Pugzilla

Lugh97 wrote: »

haha well, exaggeration for affect. I would just much prefer a car as much as I love motorbikes, at this stage its not very feasible for me to get one but its looking like the best option...

With the right gear you can use a bike all year round and never get wet or cold.

How many of your friends have motorbikes? You'll be so cool.

Think of all the pussy you will get.

Bongalongherb

You're not the only one with an insurance problem by the looks of things.

Umm. this is strange. I was doing my first renewal quote for my car with No Nonsense insurance and I got this (info below). I have no claims or penalty points and have 7 years no claims bonus. I was refused a quote :eek:

brightspark

Lugh97 wrote: »

I don't have a full license since I'm almost done my lessons but I would be nowhere near confident or comfortable enough to take the test. My only experience in the car is once or twice on the beach and then during the lessons. My mother is too busy with work to take me out and teach me, my dad is working in London so thats a no go either

Don't forget you need an experienced driver with you if you only have a learner permit.

daveville30

I had this problem 10 years ago when I was 18.it was 5500 which was about a 500 a month direct debit.fook that bought a brand new 125cc bike for 3000 and insurance was 50 a month.ur age id defo go for a bike or moped which is even cheaper.

daveville30

I had this problem 10 years ago when I was 18.it was 5500 which was about a 500 a month direct debit.fook that bought a brand new 125cc bike for 3000 and insurance was 50 a month.ur age id defo go for a bike or moped which is even cheaper.

Lugh97

Pugzilla wrote: »

With the right gear you can use a bike all year round and never get wet or cold.

How many of your friends have motorbikes? You'll be so cool.

Think of all the pussy you will get.

Yeah I know I have uncles that ride motorcycles. I actually be more confident riding them than driving a car

0 of my friends

but where to put all the pussy... and anyway i don't need no motorcycle to pull :P
I am going to eventually get one, I love them but right now isn't the most sensible idea. I merely made the point to showcase the shambles that is insurance in this country...

Lugh97

Bongalongherb wrote: »

You're not the only one with an insurance problem by the looks of things.

Umm. this is strange. I was doing my first renewal quote for my car with No Nonsense insurance and I got this (info below). I have no claims or penalty points and have 7 years no claims bonus. I was refused a quote :eek:

Call them up, only way you'll actually get a quote. Online is pointless.

Lugh97

Kevwoody wrote: »

Not being funny here but what do you expect when your only driving experience is on the beach or a few lessons??

My advice would be get a few more lessons and apply for your test, the quotes will come well down with a full license. I know you want to get on the road asap but it's just not worth the extra cost. I'm speaking from experience here, I paid Quinn Direct €4950 back in 2001 for insurance on a 1997 1 litre peugot 106. I had no experience and a provisional license. A year later, same car, I year ncb and a full license, €1900

I can understand that from an insurers pov there's alarm bells going off all around the place and rightly so but to actually get away with charging the kind of money they are is the point I'm showcasing. Its ridiculous.
It seems I will just have to get my full license, lets hope it'll come down quite considerably from what they're offering me now.

Lugh97

daveville30 wrote: »

I had this problem 10 years ago when I was 18.it was 5500 which was about a 500 a month direct debit.fook that bought a brand new 125cc bike for 3000 and insurance was 50 a month.ur age id defo go for a bike or moped which is even cheaper.

I know, been through it myself too. Im gonna end up getting one at some stage but it makes more sense for me to wait a while as much as I don't want to and use that money towards a car.

Señor Fancy Pants

It's just the way it is OP. Back in 2001 I paid 3,200 punts to get insured on my first car....an 11 year old Nissan Micra.

I was 21 on a first provisional licence. Doesn't get easier as you get older either.

Lugh97

Señor Fancy Pants wrote: »

It's just the way it is OP. Back in 2001 I paid 3,200 punts to get insured on my first car....an 11 year old Nissan Micra.

I was 21 on a first provisional licence. Doesn't get easier as you get older either.

Seems I'm just going to have to suck it up.

Bongalongherb

Lugh97 wrote: »

Call them up, only way you'll actually get a quote. Online is pointless.

I always do my quotes online and never had a problem before. The only thing I can think of is that my car is over 15 years old and they won't insure it. But it passed the NCT recently so it is basically road-worthy, so I would find it strange for them not to insure it when it's NCT'd. strange carry-on.

Lugh97

Bongalongherb wrote: »

I always do my quotes online and never had a problem before. The only thing I can think of is that my car is over 15 years old and they won't insure it. But it passed the NCT recently so it is basically road-worthy, so I would find it strange for them not to insure it when it's NCT'd. strange carry-on.

There's a new thing now where they won't insure cars more than 15 years old. Check the thread at the top of this forum there's more info on it.

beertons

Lugh97 wrote: »

No worries. Yeah, my mom is getting a new car but its an Audi A7 quattro version soooooooo..

If she's ever looking for a bit on the side...


No seriously, go down the bike route.

Bongalongherb

Cheers. But what is the point in having a car NCT'd if this is the case. It seems very odd.

Lugh97

Bongalongherb wrote: »

Cheers. But what is the point in having a car NCT'd if this is the case. It seems very odd.

Because insurance companies said that older cars are more dangerous and so are the people driving them so it must be true.........

Lugh97

beertons wrote: »

If she's ever looking for a bit on the side...


No seriously, go down the bike route.

hahahaha, they're actually quite a bit "cheaper" if you get them from the north, compared to here anyway.

Everyone is telling me to get a bike, except the mother lol. I dunno I just think i'd be better off saving the money I would spend on a bike and use it towards a car once I get my full license... but then again, its a bike. A nice cafe racer wouldn't go a miss now...

To Elland Back

Lugh97 wrote: »

Because insurance companies said that older cars are more dangerous and so are the people driving them so it must be true.........

They've said no such thing. They have intimated that vehicles over 15 years are used in a disproportionate amount of claims and they are not prepared to take on new business for vehicles in this category any more

endacl

Lugh97 wrote: »

I could but they're not cheap. I don't want to end up doing 30 lessons for the next year like. I know its a viable option but keep in mind I'm an eager and impatient teenager lol. and if I pass then still have to pay the difference on the insurance anyway..

Which is why your insurance is so expensive.

fin12

I bought a deal with Aviva this was two years ago, I got 10 lessons and six months free insurance on my dad's car so I was able to drive in my dads car then for 6 months and did my lessons did the other 2 with them aswell then when the six months were up i got ensured on my dads car again for the remaining six months, for 2 or 3 hundred euro. its a good deal I think.

oh ya sorry the 10 lessons and six months free insurance cost 400 euro and once you do your first lesson i was insured to drive in my dads car.

Lugh97

fin12 wrote: »

I bought a deal with Aviva this was two years ago, I got 10 lessons and six months free insurance on my dad's car so I was able to drive in my dads car then for 6 months and did my lessons did the other 2 with them aswell then when the six months were up i got ensured on my dads car again for the remaining six months, for 2 or 3 hundred euro. its a good deal I think.

WHAT?!!? 300 EURO?? Provisional or full? How old are you? What car? How long ago was this?

fin12

Lugh97 wrote: »

WHAT?!!? 300 EURO?? Provisional or full? How old are you? What car? How long ago was this?

ok this was like 2 and a half years ago, Im also female and I was 24 at the time but I would still look in to it, because your buying lessons off them as opposed to insurance, i booked 10 lessons with them for 400 euro with Aviva and I then got 6 months free insurance while I was doing the Lessons on my dad's toyota avensis 05 and then after i had done the 10 lessons and I also payed for the remining 2 lessons to make up the required 12with them I went on my dad car again for a further 6 months with Aviva and I had to pay about 250 euro or 300 Check out the aviva driving school but then when i got my own car and was taking out my own insurance on privisional license they quoted me 4 grand so I ended up going with Liberty who gave it to me for 1,125. Anyway just check out their Driving School. if they still have that deal its really good.

beertons

Lugh97 wrote: »

Everyone is telling me to get a bike, except the mother lol...

You go to bed, I could be a while 'convincing' her.

Stheno

fin12 wrote: »

ok this was like 2 and a half years ago, Im also female and I was 24 at the time but I would still look in to it, because your buying lessons off them as opposed to insurance, i booked 10 lessons with them for 400 euro with Aviva and I then got 6 months free insurance while I was doing the Lessons on my dad's toyota avensis 05 and then after i had done the 10 lessons and I also payed for the remining 2 lessons to make up the required 12with them I went on my dad car again for a further 6 months with Aviva and I had to pay about 250 euro or 300 Check out the aviva driving school but then when i got my own car and was taking out my own insurance on privisional license they quoted me 4 grand so I ended up going with Liberty who gave it to me for 1,125. Anyway just check out their Driving School. if they still have that deal its really good.

Here it is

http://www.aviva.ie/online/driving/driving-school/pricesandbooking/