Anyone here going to the motor insurance protest in Dublin?

pgj2015

I few one will be there, I think anyone who has motor insurance and can make the protest should head for Dublin on the day, as if we don't do something about these ludicrous increases a lot of us will be put off the road, some people with full no claims bonus are getting increases of 60%-100%+, where is this going to end?
This is a serious issue to most people in Ireland now, a lot more important than the water charges, it is going to impede our economic recovery and it is only our government who can sort this threat out, if not, we need a new government.

check this thread out to see how out of control insurance is in this country at the moment.
http://www.boards.ie/vbulletin/showthread.php?t=2057482518

the protest is on 02/07/2016

A couple of samples from another thread on boards regarding motor insurance renewals

Gender. Male

Age. 35

Licence. 12 years. Full.

Car. 2010 Vauxhall Insignia 2.0 Diesel.

FNCB. 7 years.

Points. 0

Cover Required. Fully Comp

Last year: €450 Mccarthy Insurance

Renew Quote. €850!!!!!


My Mothers renewal this year.
Gender: Female
Age: 65
Car: Bmw z4 2.2
Year: 2005
NCB: 10+ Years.
Claims: 0.
Points: 0
License: 40+ Years Full
Cover: Fully Comp
Last Year: Allianz €650
This Year: Allienz €1584 ??
Best quote €1250

Totaly fecked up, no claims, only drives about a 1000 miles a year at best.

http://www.dublinlive.ie/news/dublin-news/national-protest-against-soaring-cost-11338735

pgj2015

A thread about what celebrity you would like to pi$$ on you, gets a couple of pages of replies, a thread about one of the most serious threats to Irish peoples livelihoods doesn't get one reply in an hour, no wonder the insurance companies and government are acting the way they are.

donegaLroad

OP, Ask how many named drivers that are on you policy. I got a large estimate and found out that there were 2 other named drivers on the policy. When they removed 1 driver, the price dropped by €250.


Secondly, I only heard last week that Bank of Ireland are doing car insurance and are giving very competitive quotes. Would be worth a ring tomorrow.

pgj2015

donegaLroad wrote: »

OP, Ask how many named drivers that are on you policy. I got a large estimate and found out that there were 2 other named drivers on the policy. When they removed 1 driver, the price dropped by €250.


Secondly, I only heard last week that Bank of Ireland are doing car insurance and are giving very competitive quotes. Would be worth a ring tomorrow.

there are no named drivers on my policy, I'm not even here because of my renewal cost, as its not due for another couple of months, I'm just aware of what is going on regarding insurance costs in this country at the moment.


who were the named drivers on your policy?

Agricola

donegaLroad wrote: »

OP, Ask how many named drivers that are on you policy. I got a large estimate and found out that there were 2 other named drivers on the policy. When they removed 1 driver, the price dropped by €250.


Secondly, I only heard last week that Bank of Ireland are doing car insurance and are giving very competitive quotes. Would be worth a ring tomorrow.

Yep, BOI saved my bacon last year. Bought a 2L diesel just assuming the quotes would be reasonable considering my age and history... nope. Every company I tried were looking for double and more on top of what I was already paying. €1200 being one memorable one! No other drivers on the policy either. BOI came in with the only realistic quote.

Still, I think I'll need to be sitting down when I get my renewal letter in December, now that I'm no longer new business.

Straight Edge Punk

Can someone organise a protest against all these protests?

Titzon Toast

The OP is right, it's an absolute disgrace. We get ripped off with everything in this country but when it comes cars it's at it's worst.
It's not just insurance, the tax rate on pre 08 cars is shocking too.

Filmer Paradise

Hi OP.

Best of luck with today. The situation with insurance here is a national disgrace, especially for a young driver starting out.

Mine is up next month & I'm dreading what sort of quote they'll come up with.

Sorry I can't be there myself, but good luck anyway.




Edit; I just re-read the OP & realised that the protest is on 2/7/16.

I might turn up to this thing after all.

_Brian

Too much chance of it being spoiled by the drifting doughnut brigade and I wouldn't want to be associated with that.

Little CuChulainn

What exactly are the government supposed to do? It's a private market. Shop around. It's a competitive market.

pgj2015

Tower Cabs in Limerick own a fleet of eight taxis and paid €7,000 for insurance in 2013 and €16000 in 2014.

"Last year I got a renewal €56,000, I thought it was a misprint so I rang them,” Owner Tom Hannon explained.

“They said no, that's the way things are gone. From €16,000 the previous year. And no satisfaction, just, if you’re not happy, move on."

Tom ended up paying €31,000 to a different insurer for his eight taxis last year, but this year can't even get a quote.

"I have eight drivers losing their jobs now in August over this situation. It'll be a devastating blow to receive."

Jude Williams of Treaty and Expert Taxis in Limerick said "There's an increase in the taxi insurance of 200-300%.

“Going from €1100 up to maybe €4,500 in Limerick and even in Dublin they're getting quotes of €16,000 and these are taxi drivers with full no claims bonus. There's no explanation as to why it's increased so much, the only thing we can figure out is a lack of competition."

The insurance industry say claims volatility is to blame for rising premiums.

ToddyDoody

Woah, there's some expensive quotes. You'd need to crash the car to get your money back.

muddypaws

When is the protest? Your post says 'on the day'.

pgj2015

muddypaws wrote: »

When is the protest? Your post says 'on the day'.

http://www.dublinlive.ie/news/dublin-news/national-protest-against-soaring-cost-11338735


02/07/2016

Kopparberg Strawberry and Lime

I know we say it is a private market to shop around etc what can the government do ?

But they did pass something recently against the rising cost of insurance. Anyone know what this contained ?

suicide_circus

Can't afford car insurance
Can't afford deposit for home
Can't afford rent

Oh to be young in Ireland...

Lyaiera

Years ago, my uncle who was living abroad told of the scheme where he was. I don't know if he was winding me up, or if he was legit, but it sounded like a smart system.

Insurance is available from a state run company for anyone who drives and has a license. Smaller engines are cheaper, bigger more expensive. The make or model of the car makes no difference, so a Golf with the same engine as a Micra costs the same. Age makes no difference, gender makes no difference. If you get penalty points, the cost of your insurance goes up, drink driving and it goes up, speeding and your cost goes up, make a claim on your insurance and the cost goes up, crash into someone else and your cost goes up.

I think if someone has a license, that should be it. They should be insured. The cost of insurance should be based on how you behave after.

LordSutch

pgj2015 wrote: »

I few one will be there, I think anyone who has motor insurance and can make the protest should head for Dublin on the day, as if we don't do something about these ludicrous increases a lot of us will be put off the road, some people with full no claims bonus are getting increases of 60%-100%+, where is this going to end?
This is a serious issue to most people in Ireland now, a lot more important than the water charges, it is going to impede out economic recovery and it is only our government who can sort this threat out, if not, we need a new ther thread on boards regarding motor insurance renewals

Totaly fecked up, no claims, only drives about a 1000 miles a year at best.

http://www.dublinlive.ie/news/dublin-news/national-protest-against-soaring-cost-11338735

Well said, I'm with you 100%.
Will try to be involved in the protest . . .

IllBeGrand

A protest against the compensation payouts and the data protection regime which prevents insurers in Ireland having basic anti-fraud measures as in other countries would be more productive.

pgj2015

http://www.independent.ie/business/allianz-reveals-plans-to-hike-car-insurance-by-another-5pc-34792093.html


http://www.independent.ie/irish-news/politics/no-new-taskforce-on-insurance-ripoffs-despite-dil-backing-34788182.html


looks like the task force is not going ahead, ah sure why would it.

The_Valeyard

Agree with OP. It's ridiculously overpriced for car insurance. This cartel needs to be examined, I know govt announced plans to force insurance companies to publish their info so we can see what's going on.


It reeks of profiteering.

Filmer Paradise

pgj2015 wrote: »

http://www.independent.ie/business/allianz-reveals-plans-to-hike-car-insurance-by-another-5pc-34792093.html


http://www.independent.ie/irish-news/politics/no-new-taskforce-on-insurance-ripoffs-despite-dil-backing-34788182.html


looks like the task force is not going ahead, ah sure why would it.

Too many in the Legal profession with their noses in the though.

They'll make sure their gravy train keeps on rollin'.

pgj2015

few more renewals from a page about the protests.

Full no claims last year ins less then €500 got quote today for €1,707 never had a accident since I started driving it's a joke. This country is a laugh.


Full.licence, no claim bonus, zero.penelty points not classed as young driver. My premium last year was 570 fully comp got quote off one company for over 1200,

currently paying €840, Got a quote yesterday for a renewal. . .€2600!


http://theliberal.ie/insurance-madness-theres-a-huge-protest-rally-being-organised-for-outside-the-dail-in-protest-of-car-insurance-hikes/

Minderbinder

why does the 65 year old woman who drives 1000 miles a year need a 2.2l car?

kupus

as above like the taxis, insurance for businesses is driving businesses under water. It's not only a driver concern it's every person in ireland that this will effect.

Soon small business will be gone like the dodo. As its too restrictive to even open a sweet shop these days. THank you health and safety (imo one of the single greatest con jobs since the sweepstakes in Irish history all played out in plain sight to see, with a great tag line to boot. Think of the children)


But dont worry there is always the lobbying multinationals at the door ready to come in and give the people what they want or maybe that should read......give the politicians what they want.

remember all those promises from the insurance industry to stop the sexual discrimination in prices, females pricing goes up, male pricing goes down. Who did that benefit in the long run. YUP you guessed it.... Not you.

Bait n Switch , you just cant beat it.

Superhorse

Gubbermint rabble rabble etc.....

m5ex9oqjawdg2i

Great, protest your dissatisfaction by dissatisfying other road users. Incredibly selfish of your group. If you want to protest, picket the Dail or something less destructive.

Nate--IRL--

It is the legal profession causing this, exorbitant claim awards and legal costs are driving the prices up and up.

That is one profession that is untouchable in this country, don't expect any changes soon.

Nate

KwackerJack

Its a joke....considering were in this EU thing we should be allowed to use insurance companies all over Europe! Open up the market let the Irish companies sink!!

6 years NCB, Full truck & bike with advance certs for car and bike and my insurance went from €650 to 1500 over night. That was from a Porsche Boxster 2.7 to a Diesel Audi.....figure that one out!!

pgj2015

Emmitt Shaggy Marlin wrote: »

Great, protest your dissatisfaction by dissatisfying other road users. Incredibly selfish of your group. If you want to protest, picket the Dail or something less destructive.

Ireland Underground is organising the protest, which will involve thousands of drivers from all over the country travelling to the Dail in convoys

Ireland Underground added: "Together we can make this the largest demonstration the country has seen in recent times, we will take over every major route into the capital and drive to the gates of the Dail where they will hear our voices

ParkRunner

My insurance only just went up €40, €520 to €560. Go through a good broker to get a better quote..easier than protesting and probably getting nowhere

the evasion_kid

Insurance companies are gangsters..

pgj2015

ParkRunner wrote: »

My insurance only just went up €40, €520 to €560. Go through a good broker to get a better quote..easier than protesting and probably getting nowhere

if you really think that protests don't work, you are not paying attention.
40 euro increase this year but you could get a 500+ increase next year the way things are going. our payouts for whip lash need to be addressed and anyone caught staging a crash for a whiplash payout, need to be thrown in prison for a couple of years.

a good example here. i would jail him for a lot longer than 1 year though.

http://www.independent.ie/irish-news/courts/husband-jailed-but-wife-walks-crash-couple-sentenced-in-insurance-fraud-uncovered-by-facebook-profiles-34236725.html

dev100

Kopparberg Strawberry and Lime wrote:

I know we say it is a private market to shop around etc what can the government do ?

It may be a private market but if they don't do something you will see a lot more risking no insurance because of price rise higher insurance will lead to higher costs elsewhere

pgj2015

Kopparberg Strawberry and Lime wrote: »

I know we say it is a private market to shop around etc what can the government do ?

But they did pass something recently against the rising cost of insurance. Anyone know what this contained ?

the government are the ones running the country, not the insurance companies, they can do a lot about this issue, if they choose to or not, if they don't then wave goodbye to our economic recovery and you would be mad to ever vote fine gael again.

https://news.markets/shares/uk-government-moves-to-ban-whiplash-payments-to-cut-car-insurance-bills-5523/


http://www.irishtimes.com/business/financial-services/aig-urges-ban-on-whiplash-claims-to-cut-premiums-1.2548667

Beasty

The alternative for many insurance companies is to stop doing business in Ireland as they are not making adequate returns. That's down to the level of claims being made with, as already alluded to, an increase in awards typically made via the courts.

Insurance companies are there to make a profit. For most insurers Ireland is a small market and increase regulation/restrict what they can charge and they will simply pull out of a market that really does mean a great deal to their global operations.

pgj2015

Beasty wrote: »

The alternative for many insurance companies is to stop doing business in Ireland as they are not making adequate returns. That's down to the level of claims being made with, as already alluded to, an increase in awards typically made via the courts.

Insurance companies are there to make a profit. For most insurers Ireland is a small market and increase regulation/restrict what they can charge and they will simply pull out of a market that really does mean a great deal to their global operations.

well then its up to the government to make it attractive to insurance companies from outside Ireland to enter the market, also to tackle the legal costs and payouts.

FalconGirl

What is the reason for such drastic rises in premiums? Doesn't make sense.

markupmales

So is this one of those cops won't beat peaceful protestors (taxis, farmers) or cops will beat peaceful protestors (students, cyclists) marches?
Answer is in the question I guess...

m5ex9oqjawdg2i

pgj2015 wrote: »

Ireland Underground is organising the protest, which will involve thousands of drivers from all over the country travelling to the Dail in convoys

Ireland Underground added: "Together we can make this the largest demonstration the country has seen in recent times, we will take over every major route into the capital and drive to the gates of the Dail where they will hear our voices

Picket on foot, as oppose to being a nuisance to the public.

markupmales

pgj2015 wrote: »

the government are the ones running the country

Every time they introduce another way to screw the public the say they have no choice in anything though.

lazybones32

I didn't even know it was on. I'm glad people are protesting.

manonboard

KwackerJack wrote: »

Its a joke....considering were in this EU thing we should be allowed to use insurance companies all over Europe! Open up the market let the Irish companies sink!!

6 years NCB, Full truck & bike with advance certs for car and bike and my insurance went from €650 to 1500 over night. That was from a Porsche Boxster 2.7 to a Diesel Audi.....figure that one out!!

Definitely should open up the market. That would really help things out. Irish cartels are so cosy.

I will definitely be going to the protest. There's no reason for all the insurance companies to go up so fast. Its a cartel like behavior, price fixing. Though its a good opportunity for smaller cheaper less bureaucratic companies to get a market share.. these things tend to be swings and round abouts.

chocksaway

Busy blocked roads = more aggressive driving = more crashes = more insurance payouts = increased premiums

10/10 will avoid

KwackerJack

People are also to blame. I was out around clarehall a few weeks back and a chap in a new Hyundai was was parked along the road on a road passing through a block of apartments, technically he was illegally parked on but road so was everyone else, commom practice there!

A car was pullling out of car space just behind the hyundai, the driver had to pull out further to see around the Hyundai and tipped the rear bumper. The driver bith got out and had to practicality kiss the bunper to see the little scratch!!

So they shook hands and left......in their bollox they did. Hyundai driver thought the boot had been ripped off and called the guards, after that id driven off but you can be sure he claimed of the other driver for a ridiculous respray job all over a scratch!!

Its claims like his that drive prices up, however the rises this year are ridiculous and in no way reflect the claims being sought!!

Losses.....my hole they pull in millions in profit evry year even with the claims!!!

markupmales

KwackerJack wrote: »

Its claims like his that drive prices up, however the rises this year are ridiculous and in no way reflect the claims being sought!!

Losses.....my hole they pull in millions in profit evry year even with the claims!!!

So you are pushing for state controlled insurance then or is this free-market-as-long-as-it-works-for-me economics?

KwackerJack

markupmales wrote: »

So you are pushing for state controlled insurance then or is this free-market-as-long-as-it-works-for-me economics?

Are you replying to my comment? What are you on about?

pgj2015

Emmitt Shaggy Marlin wrote: »

Picket on foot, as oppose to being a nuisance to the public.

i take it you don'y pay motor insurance or you do and are happy to be fleeced by the insurance companies? no one wants to be clogging up the roads but you have to protest sometimes when things like this happen.

Little CuChulainn

markupmales wrote: »

So is this one of those cops won't beat peaceful protestors (taxis, farmers) or cops will beat peaceful protestors (students, cyclists) marches?
Answer is in the question I guess...

I suppose it depends on what kind of "peaceful" they are. The phrase can mean anything from marching quietly to hurling bottles and wood at Gardaí while shouting "peaceful protest".

pgj2015 wrote: »

i take it you don'y pay motor insurance or you do and are happy to be fleeced by the insurance companies? no one wants to be clogging up the roads but you have to protest sometimes when things like this happen.

I'd say he's like me in that he's wondering what exactly people expect the government to do. Force insurance companies to make a loss so you can drive for cheaper?

Beasty

Motor insurance is a very competitive product. There is a whole industry aimed at delivering the best quote. It's not in the interests of any insurer to be seen to be "fleecing" its customers. Ultimately its the claims that drives premiums.

Richard Hillman

It only takes one person to bring this to the EU over competition violations. There is no reason why somebody should not be able to go to a Spanish/Swedish/Lithuanian insurance company for your car.