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Motorbike insurance

  • 15-08-2015 2:58pm
    #1
    Carabaich1
    Registered Users, Registered Users 2 Posts: 11 ✭


    Hello, I moved last year from Italy and now I've got a policy by Liberty for my motorbike, I sent them my no claims bonus certificate with official translation but they refused it and without explanation are asking me to pay more to be insured, have they this right? Thank you Alessandro


Comments

  • #2
    BaronVon
    Registered Users, Registered Users 2 Posts: 1,663 ✭✭✭BaronVon


    Yes, no claims bonus are just that - a bonus. They are only recognised by Irish insurance compamies if earned in Ireland. They also normally expire after 2 years.

    Same problem if you return to Italy, I'd imagine any no claims bonus earned here, will not be recognised there.


  • #3
    Carabaich1
    Registered Users, Registered Users 2 Posts: 11 ✭Carabaich1


    I'm pretty sure that they are valid in all EU countries! I'll check. Thanks


  • #4
    BaronVon
    Registered Users, Registered Users 2 Posts: 1,663 ✭✭✭BaronVon


    https://www.libertyinsurance.ie/customer-care/what-is-the-no-claims-acceptance-criteria/

    Actually, it says here,
    If your discount has been earned with another insurer, it must have been earned policy in the past two years, within Ireland, UK, all EU countries, USA, Canada, Australia or New Zealand.

    So, according to them, they should accept it.


  • #5
    Carabaich1
    Registered Users, Registered Users 2 Posts: 11 ✭Carabaich1


    But they are not! What is annoying me is the kind of communication: it's not validated by us you have to pay! If it a right of mine I'm expecting an explanation... I'll contact them on Monday, I only wanted to inform myself before


  • #6
    To Elland Back
    Closed Accounts Posts: 1,923 ✭✭✭To Elland Back


    I've said it before, a No Claims Bonus is just a marketing tool generally used by insurers. NO insurer is obliged to accept one.


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  • #7
    Carabaich1
    Registered Users, Registered Users 2 Posts: 11 ✭Carabaich1


    perhaps I have not explained well, I mean a "no claims certificate" that HAS to be accepted in all EU countries!


  • #8
    To Elland Back
    Closed Accounts Posts: 1,923 ✭✭✭To Elland Back


    Carabaich1 wrote: »
    perhaps I have not explained well, I mean a "no claims certificate" that HAS to be accepted in all EU countries!

    I repeat, no insurance company is obliged to accept a No Claims Certificate/Bonus either within Ireland or from outside. In practice, however, Insurers use it as a measuring stick as to your experience.


  • #9
    Liam McPoyle
    Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    Carabaich1 wrote: »
    perhaps I have not explained well, I mean a "no claims certificate" that HAS to be accepted in all EU countries!

    Is it in English?


  • #10
    Carabaich1
    Registered Users, Registered Users 2 Posts: 11 ✭Carabaich1


    No it's in Italian but with translation. thank you for your explanation, but in this case every insurance company will not accept, for their own interest, no claims Certifications...


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