Can't get car insurance

Kevin111

Hi everyone. I am 32 with I full driving license for 11 years. The last two half years I have no insurance as I had no need for a car. I am now on the middle of buying a car and went to get insurance quotes today and most of the company's would not even qoute me because my no claims bonus has expired because it over two years since I had cover. The one or two that dis qoute were outrageous price of 4000, does anyone know how I could get cheaper insurance.

Francie Barrett

What are you driving?

colm_mcm

Can you get a named driver kike a parent on the policy. You as the main driver?

Choice of car can be a big factor too.

Kevin111

Francie Barrett wrote: »

What are you driving?

Skoda Octavia vrs diesel. But I'm 33

colm_mcm

It's still considered a sort of relative performance car

Kevin111

colm_mcm wrote: »

Can you get a named driver kike a parent on the policy. You as the main driver?

Choice of car can be a big factor too.

Was only one or two that would quote. But I never said anything about adding a name driver. Don't know would fahy make a difference

colm_mcm

It really does. My wife's insurance went down 25% by adding me on.

Still though, I'd be looking at a different car for now.

Kevin111

colm_mcm wrote: »

It's still considered a sort of relative performance car

Maybe, but I be thinking my age and that. They we're not giving quotes because I didn't have no claims bonus

Kevin111

colm_mcm wrote: »

It really does. My wife's insurance went down 25% by adding me on.

Still though, I'd be looking at a different car for now.

Ya maybe. But I think my problem is the fact I don't have a no claims bonus.

Jayop

I'll concur with Colm here. I added my wife to my policy and she was a learner on her first provisional at the time and my policy dropped by a decent amount. Couldn't believe it as I was expecting to have to pay more for her.

scwazrh

Its those 3 little letters " v r s " that are causing the problem .Get a quote for a standard octavia and see the difference

colm_mcm

I reckon you'd get quotes of around €2k on something a bit tamer.

Kevin111

scwazrh wrote: »

Its those 3 little letters " v r s " that are causing the problem .Get a quote for a standard octavia and see the difference

Ya I give that a shot.

ASOT

scwazrh wrote: »

Its those 3 little letters " v r s " that are causing the problem .Get a quote for a standard octavia and see the difference

It doesn't work like that you can't just get a quote for a standard octavia if it's not a standard octavia, you won't get a pay out if you have a claim.

Kevin111

ASOT wrote: »

It doesn't work like that you can't just get a quote for a standard octavia if it's not a standard octavia, you won't get a pay out if you have a claim.

Ya I know. I haven't bought the car yet. I'm in the middle of the deal. But I really want the car also.

Captain Chaos

ASOT wrote: »

It doesn't work like that you can't just get a quote for a standard octavia if it's not a standard octavia, you won't get a pay out if you have a claim.

He's saying do it as a test to compare what's really loading his quote not to front the car as a lesser version.

ASOT

Captain Chaos wrote: »

He's saying do it as a test to compare what's really loading his quote not to front the car as a lesser version.

I read that compleatly wrong my bad!

scwazrh

Captain Chaos wrote: »

He's saying do it as a test to compare what's really loading his quote not to front the car as a lesser version.

Exactly -

My insurance renewal showed a break down of the quote cost , it was 1600 to start with and then reduced by 80% because of my no claims bonus and then added in different fees and broker costs.So without my NCB it would have been 1600 on a 2ltr diesel

gercoral

try its4women.ie...and no, it's not just for women!

Kevin111

The insurance companies have told me that the reason why it's high is because I have had not insurance in the last 2 years. There for my no claims bonus has expired.

RossieMan

Try a different insurance company? You've repeated the same thing in 4 posts now.

Kevin111

RossieMan wrote: »

Try a different insurance company? You've repeated the same thing in 4 posts now.

I have tried 11 of them

Kevin111

scwazrh wrote: »

Exactly -

My insurance renewal showed a break down of the quote cost , it was 1600 to start with and then reduced by 80% because of my no claims bonus and then added in different fees and broker costs.So without my NCB it would have been 1600 on a 2ltr diesel

What company was that wit. Even 1600 I would pay.

scwazrh

Kevin111 wrote: »

What company was that wit. Even 1600 I would pay.

123.ie

colm_mcm

Call a few brokers. I would suggest Munster Group in Ennis for a start.

ASOT

scwazrh wrote: »

123.ie

They don't quote if you have no bonus.

Stheno

Kevin111 wrote: »

What company was that wit. Even 1600 I would pay.

For a VRS or a standard 2.0 diesel?

Kevin111

Stheno wrote: »

For a VRS or a standard 2.0 diesel?

Vrs

OldMrBrennan83

This post has been deleted.

selous

I've an 8 year old 2.0L Subaru Legacy diesel, max ncb, no penalty points, last time my renewal was up there were 5 companies that wouldn't quote or didn't ring back, 3 said they didn't quote the Brand, price has gone up each year, cant wait for this years quote,

Rosser

Patww79 wrote: »

This post has been deleted.

You won't be in the same boat, you just get an 'ex company car letter' from your employer saying you had no claims and a corresponding confirmation from the fleet insurer and you'll be given year for year.

Stheno

Kevin111 wrote: »

Vrs

Not a hope tbh that you'll insure it honestly for 1600

Rhaegal

Was in the exact same boat until last night.

Axa insured me for €1300 as the rest wouldn't even quote me.

The problem is you might have to ring a few different offices as they seem to have diff rules as i found out. One crowd in Dublin wouldn't quote me whilst another in Derry said once i had previous experience i could get insured without a no claims and this is meant to be the same company...like wtf???

Kevin111

Rhaegal wrote: »

Was in the exact same boat until last night.

Axa insured me for €1300 as the rest wouldn't even quote me.

The problem is you might have to ring a few different offices as they seem to have diff rules as i found out. One crowd in Dublin wouldn't quote me whilst another in Derry said once i had previous experience i could get insured without a no claims and this is meant to be the same company...like wtf???

Ya. I might ring a few different ones. Seems mental. This country is. Pure rip off

colm_mcm

Patww79 wrote: »

This post has been deleted.

If you're married, maybe alternating insurance between yourself and your wife every second year would be an option, in that case both would keep no-claims?
If you're named on a company policy some insurance companies take this into account

imnorobot

Maybe have a look at this thread to see if there are any company's you havent tried yet

http://www.boards.ie/vbulletin/showthread.php?t=2057482518&page=94

Opel Astra 00 1.4 full licence 25 years ncb 10+
Last years quote €349 from 25+.ie this year they quoted €725 ffs

Insurance company's just seem to pull a figure out of their hole then double it and see if people go for it

In the end I went with bank of ireland for €322
Highest quote of over €1000 from chill so i have now pulled my house insurance from them also

Also make sure not to give any business to company's who wont quote for older cars
like for house or life insurance

waffleman

I was getting ridiculous quotes also even with full no claims and 12 years clean drivin - not even a penalty point

Ended up takin out a policy for the wife with RSA and adding myself as named driver - 280 euro

VincePP

Kevin111 wrote: »

Ya. I might ring a few different ones. Seems mental. This country is. Pure rip off

everyone seems to want to blame the insurance compnaies - but if it was so lucrative international insurers would be rushing into the market whereas there's almost a rush to get out.

Insurance fraud is a MASSIVE issue - there are professional gruoups who do it for a living and court rules do not allow for an insurance company to give a history of claims for a person or people related to that person.

In some cases there are people claiming every few months for "accidents".


Add to that the increased level of accidents over the past 3-4 years - less road deaths, but more accidents which are far more costlier for insurance companies.

and then the legal profession - judges handing out money like it was confetti at a wedding & astronomical legal fees.

A quick look at the financial results of insurance companies will show that there are far far more profitable areas to have your business in.


Correct the fraud, reduce accidents and get control of awards and you'll see 30%+ come off car insurance fairly quickly.


A lot of this can be done by government, the accident issue is up to motorists themselves to wake up to.

Kevin111

VincePP wrote: »

everyone seems to want to blame the insurance compnaies - but if it was so lucrative international insurers would be rushing into the market whereas there's almost a rush to get out.

Insurance fraud is a MASSIVE issue - there are professional gruoups who do it for a living and court rules do not allow for an insurance company to give a history of claims for a person or people related to that person.

In some cases there are people claiming every few months for "accidents".


Add to that the increased level of accidents over the past 3-4 years - less road deaths, but more accidents which are far more costlier for insurance companies.

and then the legal profession - judges handing out money like it was confetti at a wedding & astronomical legal fees.

A quick look at the financial results of insurance companies will show that there are far far more profitable areas to have your business in.


Correct the fraud, reduce accidents and get control of awards and you'll see 30%+ come off car insurance fairly quickly.


A lot of this can be done by government, the accident issue is up to motorists themselves to wake up to.

Well I have had no claims. No points.

vandriver

Patww79 wrote: »

I'll be in the same boat next year as I have a company vehicle for the past year and you're screwed after 2 years with no NCB. Only hope is to buy something now and get it insured and then scrapped (unofficially) but finding something cheap enough that can be insured is the problem now.
Absolute joke of a system that the OP finds themselves in now in their 30's after so many years driving.

If you were married,and your partner had their own car,you could switch that insurance into your name every second year to keep two ncd's alive.

Timmyr

Kevin111 wrote: »

Hi everyone. I am 32 with I full driving license for 11 years.

Kevin111 wrote: »

Skoda Octavia vrs diesel. But I'm 33

hhmmmmmmmmmmmm..............................:rolleyes:

cowboyBuilder

2k is still outrageous !!

Is this normal in Ireland ? , In Spain a 30 something male driver will pay around 400 a year !!!

spurious

Apologies if this is not the correct sub form (and mods please move if necessary), but what exactly is the reason we cannot employ a system for insurance like that in Australia, where I believe it's done through a surcharge on fuel (?). Everyone driving is covered, those who drive more, pay more. Seems like a no-brainer to me.

Timmyr

spurious wrote: »

Apologies if this is not the correct sub form (and mods please move if necessary), but what exactly is the reason we cannot employ a system for insurance like that in Australia, where I believe it's done through a surcharge on fuel (?). Everyone driving is covered, those who drive more, pay more. Seems like a no-brainer to me.

No, there is an insurance policy given each year when you buy your rego (registration) but it only covers personal injuries, doesn't cover any vehicle damage.

You are still advised to take out a seperate insurance policy

Diane Selwyn

spurious wrote: »

Apologies if this is not the correct sub form (and mods please move if necessary), but what exactly is the reason we cannot employ a system for insurance like that in Australia, where I believe it's done through a surcharge on fuel (?). Everyone driving is covered, those who drive more, pay more. Seems like a no-brainer to me.

I think you may be thinking of the TAC charge that is part of the annual registration fee? This goes partly towards contributing to rehab costs for people who are hit by uninsured drivers. Certainly in Victoria it's compulsory to have at least a 3rd party policy as well as paying your annual registration fee. There is no requirement to display an insurance disc though so its easier to get away with no having any insurance than it is here.

silent_spark

Good luck, OP. I know this is going to be an issue for me at some point in the future. I recently sold my car when I moved to the city centre and didn't need it. I'll review closer to the end of the two year gap, and may have to buy something cheap to keep my no claims if the premium is going to be really high. I'd be happy buying a small car though (1-1.4 litre petrol), so maybe that would go in my favour? What do young, learner drivers get insured on these days?

I'm planning on renting occasionally in the meantime, and may be a named driver on my mother's car - would this record of insurance help in any way?

BronsonTB

NCB can be worth up to 60% so with no NCD you are going to have to pay a high premium to start with. It's whether you really want to pay it on that car or get a different car for a lower ins premium.

And check with autoline, they are giving good quotes compare to most rip off companies.

Skweefie

Is it worth your while putting someone else as the owner and then you being the named driver? Then you can rebuild your experience and get a quote in your own right next year at renewal time.

Claw Hammer

cowboyBuilder wrote: »

2k is still outrageous !!

Is this normal in Ireland ? , In Spain a 30 something male driver will pay around 400 a year !!!

How much compensation will a person get if injured by a 30 something male driver in Spain?

ItHurtsWhenIP

scwazrh wrote: »

Its those 3 little letters " v r s " that are causing the problem .Get a quote for a standard octavia and see the difference

He'd need to get a reg number of the standard octavia, because once the insurance company get the reg. they get all the vehicle details, including whether it's a VRS or not.

cowboyBuilder

Claw Hammer wrote: »

How much compensation will a person get if injured by a 30 something male driver in Spain?

That I couldn't tell you, I just know what my colleagues pay ..