must pay to change insurance

blond45

we have just changed from a opel zafira to a ford focus diesel..we called our insurance to change over ,,but we were told that it will cost us 124.67e..is this new or bad luck to be with the insurance that we are with.:o

Truckermal

blond45 wrote: »

we have just changed from a opel zafira to a ford focus diesel..we called our insurance to change over ,,but we were told that it will cost us 124.67e..is this new or bad luck to be with the insurance that we are with.:o

No it's common practice your new car obviously has a higher value or could be a higher risk but 124 euros sounds high..

pippip

The car is a huge factor in calculating the premium. By changing car you're altering things so a change in premium makes perfect sense.

They're probably also including a small admin fee in that to.

Falcon L

blond45 wrote: »

we have just changed from a opel zafira to a ford focus diesel..we called our insurance to change over ,,but we were told that it will cost us 124.67e..is this new or bad luck to be with the insurance that we are with.:o

Must be with 123.ie. They charge an arm and leg for bleedin' everything.

bazz26

It's not just one insurance company that charges when you change your car mid policy, some will also charge you an administration fee on top of the premium increase too. If the new car is of higher value or more powerful, etc then it does effect the premium otherwise we would all go out and buy a 10 year old Micra and change it for a Porsche a week later.

blond45

Falcon L wrote: »

Must be with 123.ie. They charge an arm and leg for bleedin' everything.

we are with munster group ,didnt like the attitude on the fone either as in ''if you dont send on the money first we wont send on the disc'' she was like a child in the school yard..sent of a postal order today.

C.K Dexter Haven

blond45 wrote: »

we have just changed from a opel zafira to a ford focus diesel..we called our insurance to change over ,,but we were told that it will cost us 124.67e..is this new or bad luck to be with the insurance that we are with.:o

How long to the insurance renewal? I changed car recently but was only charged about 10 euro as my insurance was up the following month.

i.e. that translates as 120 euro extra had i changed shortly after renewing my previous car insurance.

ironclaw

blond45 wrote: »

we are with munster group ,didnt like the attitude on the fone either as in ''if you dont send on the money first we wont send on the disc'' she was like a child in the school yard..sent of a postal order today.

A lot of people back in the day got the disc and never sent payment. The disc was legit and in the window, meaning you could easily fly under the radar of a passive check on insurance. Hence why insurance companies have to cover their back, its not a personal attack, the call is likely recorded and admissible so they have to say it.

Mehapoy

Truckermal wrote: »

No it's common practice your new car obviously has a higher value or could be a higher risk but 124 euros sounds high..

Of course it would never work the other way! You'd be waiting for your refund!

BuffyBot

Mehapoy wrote: »

Of course it would never work the other way! You'd be waiting for your refund!

Actually, nope. I've had refunds, without issue when moving/changing details.

C.K Dexter Haven

BuffyBot wrote: »

Actually, nope. I've had refunds, without issue when moving/changing details.

Or at least no additional charge, in my case- but it all depends on the length to next renewal and if the new car has a serious impact on insurance cost

jimdublin15

Funny enough when I added a learner driver to my policy as named driver I thought it was going to cost more, but I got a refund on the policy of nearly 100 euro. I was told on the phone at the time that it has to do with statistical risks.

EDIT: post posted before i finished sorry using my phone.

So refunds do happen I also got a refund moving from Dublin 15 to Co. Meath about 70 euro last year.