Insurance for partner

marty555

Hi all. I'm trying to get insurance for my partner. She is 38 her first provisional. She lived and was driving in the states for 9 years with a full licence over their. And insurance. The best quote we can get for is with axa 3299 euro and that's TPFT !!!! Now the vehicle is a Peugeot 307 1.4 petrol 2005 value 3500.
Any help here please ????????

colm_mcm

Is she ringing around or just doing it online?
Have you tried a broker?

duffman3833

this is the 2nd post in the last 2 days of people trying to get insured without been in country the last number of years

Notch000

would you not put here as a named driver on your policy ??

jimgoose

Notch000 wrote: »

would you not put here as a named driver on your policy ??

Named driver me hole, at 38 years of age and years of driving experience in the USA. There's been a raft of stories like this over the past six months or so, including one chap in his forties who spent ten years driving a Road Train in the Australian Outback only to arrive back here in Gobshíte Central to be treated like a wet-behind-the-ears newbie by some Ultan Shirt or Aoife Slacks. In any civilised jurisdiction these insurance gowls would be tarred and feathered and hunted out of the place. :mad:

marty555

I live in the north so I'm insured up their and she is in the south ! So a name driver won't work !!!
I tried online and phoning around ?? She really need to get driving! ASAP
She only has the licence so has to wait the 6 months to get test done !! But insurance at that cost we just cannot do !! Has anyone any experience with this problem, who did they go to ??

Stheno

marty555 wrote: »

I live in the north so I'm insured up their and she is in the south ! So a name driver won't work !!!
I tried online and phoning around ?? She really need to get driving! ASAP
She only has the licence so has to wait the 6 months to get test done !! But insurance at that cost we just cannot do !! Has anyone any experience with this problem, who did they go to ??

Do a search here there are loads of threads on this, it's a common problem.

It will go down once she passes her test.
She could try a broker and see if they can get someone who will recognise her foreign no claims

jimgoose

marty555 wrote: »

I live in the north so I'm insured up their and she is in the south ! So a name driver won't work !!!
I tried online and phoning around ?? She really need to get driving! ASAP
She only has the licence so has to wait the 6 months to get test done !! But insurance at that cost we just cannot do !! Has anyone any experience with this problem, who did they go to ??

I believe the six months wait is waived once she has an American license?

marty555

We are waiting for proof from the states !!! But until then it's 6 months

Stheno

marty555 wrote: »

We are waiting for proof from the states !!! But until then it's 6 months

Well calm down and get the proof from the states.

jimgoose

Stheno wrote: »

Well calm down and get the proof from the states.

He's perfectly calm. I'm the one foaming at the mouth!

marty555

At the minute she can't wait for someone in an office in the other side of the world to pull their finger out and do this. I have had a quick look through the past forum chats. But can't really find any help. So right now even any companies that would take her on ! Would be a help. It's amazing that when you want to be legal on the road all this country wants to do is totally price you out !!

Special Circumstances

marty555 wrote: »

It's amazing that when you want to be legal on the road all this country wants to do is totally price you out !!

You'd think insurance wouldn't be a problem after coming from a country famous for large engines, high medical costs, ambulance chasing legal profession and litigation happy residents.

But apparently all of those things are much WORSE in Ireland. They can hardly make a profit at all at all here.

Liam McPoyle

Special Circumstances wrote: »

You'd think insurance wouldn't be a problem after coming from a country famous for large engines, high medical costs, ambulance chasing legal profession and litigation happy residents.

But apparently all of those things are much WORSE in Ireland. They can hardly make a profit at all at all here.

Well she was driving for 9 years over there, on a full licence, so of course she would get insurance there so its not about it being much worse over here.

Though I'm sure you know that.

There would also be the fact that the average cost of motor insurance in the US in 2014 was $1500, a little bit more than the average over here wouldn't you say.

But of course, you are getting gouged.

Special Circumstances

Business Cat wrote: »

There would also be the fact that the average cost of motor insurance in the US in 2014 was $1500, a little bit more than the average over here wouldn't you say.

Converted to euro, is it all that much more?

What would you say is the average Irish policy in 2015?
And the average engine size/power is comparable in your mind?
And as expensive as Ireland is for medical care, you are implying that the states is not much more?
And people in general are less litigious and payouts are harder to get??
Poor effort.

Liam McPoyle

Special Circumstances wrote: »

Converted to euro, is it all that much more?

What would you say is the average Irish policy in 2015?
And the average engine size/power is comparable in your mind?
And as expensive as Ireland is for medical care, you are implying that the states is not much more?
And people in general are less litigious and payouts are harder to get??
Poor effort.

There you go again with your strawman!

$1500 is about €1300 by the way. I don't see many having to pay that.

Look at the thread in here where people are sharing what their renewal prices are.

What do you suppose the average is there?

I'll give you a clue, its about half of the conversion above.

Shhhh though, don't let the blindingly obvious get in the way of your little mission.

Special Circumstances

You've conveniently forgotten that most people here don't drive Ford F150s or at the sensible end of the scale 2.4/2.5L japanese cars (danger danger, car is dangerous!!). Or have to pay $5K on average for health insurance due to the astronomical cost of medical treatment there ( third party costs very costy!!).

Look, I threw in a post in sympathy with the OP and you've taken the thread off on a conveniently selective tangent.
Why don't you save yourself for the next "general insurance rant" thread?

marty555

Guys at the min the best quote she can get is 3299 euros !!! It's a 1.4 petrol value is 3500. We are just looking to see if anyone can steer us in a better direction. The quote is with axa.

Toots

marty555 wrote: »

Guys at the min the best quote she can get is 3299 euros !!! It's a 1.4 petrol value is 3500. We are just looking to see if anyone can steer us in a better direction. The quote is with axa.

colm_mcm wrote: »

Is she ringing around or just doing it online?
Have you tried a broker?

Are you trying brokers or just going directly to insurers? A broker would be the best way to go in her situation tbh. Definitely phone instead of online stuff.

Stheno

Toots wrote: »

Are you trying brokers or just going directly to insurers? A broker would be the best way to go in her situation tbh. Definitely phone instead of online stuff.

Yep agreed, if you've not tried a broker, do.

imurdaddy

Op, I was in Canada for a few years and had the same problem when I came back to Ireland, long and short is id to pay €1000ish with a full irish licence, on a 1.4. Id to jump through hoops in Canada to get motoring there and had 4yrs claim/accident free and Irish insurance companies didn't give a dam! Its just a money racket and a reason to up the prices.

kerten

Search clements insurance broker online if your partner is not Irish. They sell insurance to expats in ireland.

I still find 3k quote is too much even for ireland. I would expect sub 2k quote for that age. Ring firstireland brokers if your partner is irish.

imurdaddy

I was talking to a colleague in work today about this and he said try Britton insurance in Donegal, he had a similar case with his South African wife she had a full SA licence and clean history and they did something for them now he says it was still expensive but not 3k,

just out of interest do USA and Ireland not recognise each others licence? Or could she swap her American licence for an international one?

jimgoose

imurdaddy wrote: »

I was talking to a colleague in work today about this and he said try Britton insurance in Donegal, he had a similar case with his South African wife she had a full SA licence and clean history and they did something for them now he says it was still expensive but not 3k,

just out of interest do USA and Ireland not recognise each others licence? Or could she swap her American licence for an international one?

There's no such thing as an international driving license. You're thinking of an International Driving Permit, which is just a translation of your license and valid for twelve months:

http://www.theaa.ie/AA/Motoring-advice/Driving-in-Europe/International-driving-permit.aspx

There is no reciprocal driving license arrangement between Ireland and the U.S.A. which is bloody stupid but I believe it's because of the fifty-odd issuing jurisdictions over there and no-one can be arsed with the sheer admin of it. Although someone said to me lately that there is now such an arrangement with the state of California?

imurdaddy

jimgoose wrote: »

There's no such thing as an international driving license. You're thinking of an International Driving Permit, which is just a translation of your license and valid for twelve months:

http://www.theaa.ie/AA/Motoring-advice/Driving-in-Europe/International-driving-permit.aspx

There is no reciprocal driving license arrangement between Ireland and the U.S.A. which is bloody stupid but I believe it's because of the fifty-odd issuing jurisdictions over there and no-one can be arsed with the sheer admin of it. Although someone said to me lately that there is now such an arrangement with the state of California?

Ya Thats what I what I was thinking of, its a bit of a joke they dont recognise them, id a look on citizens advice and it says she can drive for upto 12mts on the American license I wonder could she use that while jumping the hoops for an Irish licence?

Canada is the same one or two regions will accept the irish one the rest its lessons and test

http://www.citizensinformation.ie/en/travel_and_recreation/motoring_1/driver_licensing/exchanging_foreign_driving_permit.html

bisounours

I'd be surprised if you managed to get a decent quote on an American licence with no history. When I was shopping around and playing with online quotes, it was cheaper for a provisional Irish licence than a full OTHER (non EU) licence.