Are insurance companies completely taking the piss now?

jacksie66

This post has been deleted.

Potential-Monke

Because no one has taken them to court yet? I'm in the process of it, i'll let you know how it goes.

The_Valeyard

Because they are robbing thieving money grabbing bas*tards.

darkpagandeath

Ring up again with a moustache on and a wig ?

The_Valeyard

darkpagandeath wrote: »

Ring up again with a moustache on and a wig ?

Or wear a towel

kieran.

Bought a qashqai at Xmas in the north, so insured it on the northern plates to drive it home. Vrt'd it first week in Jan and rang up to notify the.insurance company of the reg change €48 could believe it!! Exact same car registered to the same address only difference was the number plate

Nonsense

mad about nuts

Because they can and there is no competition anymore...i rang up a few places,driving 15 +years never had a claim,never got points and my insurance is as high now as it was 15 years ago...crazy qoutes ranging from 900 to 1800

Ferrari3600

Shop around. Try Axa for starters. Anecdotally, they seem to be omparatively competitive compared to some of the other larger insurers.

jameorahiely

The_Valeyard wrote: »

Or wear a towel

Racist

Samuel T. Cogley

"Are insurance companies completely taking the piss now?"

"Now" would suggest that you think this is some sort of recent thing?

ligertigon

An insurance group (like in the UK) would sort this out. Though they have one, its a makey up one. and they never tell you what class your vehicle is in, except to say its in a higher group!

The only way around this is an independent body/website that stores everyones quotes/ cars, personal differences. Then and only then can you call them out on irregular trading.
eg two carpenters from exact same estate in finglas driving exact same car with same details and one charged more than the other for a change of vehicle...
Then you state your a gay buddist carpenter! lol

SCOOP 64

YES

EIRE forever

jacksie66 wrote: »

So my own car decided to start dying on me last week. It's a 03 Opel Vectra GTS 1.8. I'm paying Allianz 1500 a year to drive the thing as I need a car for work. 29 and a full license since 2006 but there you go. Anyways I went to Cork yesterday to pick up a new car I bought. Tis a 03 Vectra GTS pretty much exactly the same as my old one. The only difference was the colour and the much lower milage. Same car, year, engine, everything. When I was there I rang the insurance company to change over the insurance, thinking because it's the exact same car it'd be a straight swap. But nooooo. I had to pay 90 euro because my old car was a GTS sport and my new one was a GTS Elegance. So I was charged more for different spec, even though both cars are identical. You'd say something if it had a higher bhp or something but the differences are only cosmetic. What is it with insurance companies in this country fleecing us?

because they've jumped on the same band waggon as the "government" knowing that the "government" wont do **** about it. nearly every corporation in this country is at it, its designed to be like this, to put you under enough stress that you'll just give in an obey their demands. even if its extortion & illegal they'll still do it because they know they'll get away with it without any questions.
also, Irish people are stupid for putting up with it. but yet they still think that their "free". nobody is free in this world when you have evil twisted murdering child abusing sick f*cks like them in this world.


mr. enda pr*ck face Kenny should be tried for tyranny & treason as far as I'm concerned.

somesoldiers

The Book of Quantum should be thrown at them

jameorahiely

There's a crowd called it's 4women or just4women or something. Is that not illegal now?

Ulysses Gaze

The more pertinent question is why we let the FIRE industry (Finance, Insurance, and Real Estate) take the piss out of us all?

When AIB, and it will be when not if, overcharge their customers again and get caught out, I'd love to see not only a fine from the regulator, but also a class action suit from the thousands of customers that get overcharged on the basis that they have breached their fiduciary duty.

In terms of car insurance, keep shopping around is all I can suggest.

The_Valeyard

jameorahiely wrote: »

Racist

Im sorry, you will have to speak up, im wearing a towel.

EIRE forever

jameorahiely wrote: »

There's a crowd called it's 4women or just4women or something. Is that not illegal now?

yea ive seen that corporation, they should be sued by every man in this country

Ulysses Gaze

jameorahiely wrote: »

Racist

No ****....

cbyrd

jameorahiely wrote:

There's a crowd called it's 4women or just4women or something. Is that not illegal now?

They're here years and they do quote men. They're sh1te too though

Samuel T. Cogley

somesoldiers wrote: »

The Book of Quantum should be thrown at them

Honestly I was lurking just waiting, this is close enough.

Insurance companies themselves have said fraudulent claims cost the average Joe about €50 a year in premiums. Don't take the easy option of trying to lay the blame on anything other than them being greedy bar-stewards.

Besides Lawyers are fecking amazing this week and I don't want to see that spoiled.

Samuel T. Cogley

Also, how are pictures happening, though you couldn't do that in AH?

Ubbquittious

The Book of Quantum should be thrown at them

Sounds like a deleted chapter from the King James bible. Every year the insurance lords travel to Basel and meet in secret in an ancient building that used to be a bank. They all sit along a massive table and wait for the head honcho of the global insurance cartel to appear with his robe and top hat to read a few verses from the book of quantum

Charles Babbage

Are insurance companies completely taking the piss now?
Yes, and if there are any trace substances in there, you'll get a real bill.

The_Valeyard

Libertarian Kant wrote: »

Also, how are pictures happening, though you couldn't do that in AH?

here be your answer

http://www.boards.ie/vbulletin/announcement.php?f=7

CFlat

What about Justformen?

padd b1975

Libertarian Kant wrote: »

Also, how are pictures happening, though you couldn't do that in AH?

Trial period of one month.

artanevilla

CFlat wrote: »

What about Justformen?

That's a bit of a grey area.

Samuel T. Cogley

The_Valeyard wrote: »

here be your answer

http://www.boards.ie/vbulletin/announcement.php?f=7

padd b1975 wrote: »

Trial period of one month.

Woot, now where did I leave those pictures of Silvia Saint (Yeah I'm old).

Sue Pa Key Pa

Potential-Monke wrote: »

Because no one has taken them to court yet? I'm in the process of it, i'll let you know how it goes.

What's your case about?

the14thwarrior

i had to leave my car in for repair, and the mechanic had a car to lend me. i called the insurance company to change the insurance for a day ( i needed to get home, drive to a furnural and to work next mornining). they charged me 30.00 euro to change it for 24 hours.

EIRE forever

the14thwarrior wrote: »

i had to leave my car in for repair, and the mechanic had a car to lend me. i called the insurance company to change the insurance for a day ( i needed to get home, drive to a furnural and to work next mornining). they charged me 30.00 euro to change it for 24 hours.

I'm sure if you had an open policy with been able to drive other cars once its not in your name then you wouldn't of haven to pay anything

Special Circumstances

Head on over to the insurance sub forum in motoring to talk to real life insurance employees.

Don't expect any real answers* but if you have a humiliation kink then knock yourself out... it's pretty much wall to wall "you dirty scummy scammer you deserve to have your wallet emptied you worthless pos. Beg me to insure you, you worm".


*but sure there's no harm in asking is there?

Widdershins

Special Circumstances wrote: »

Head on over to the insurance sub forum in motoring to talk to real life insurance employees.

Don't expect any real answers* but if you have a humiliation kink then knock yourself out... it's pretty much wall to wall "you dirty scummy scammer you deserve to have your wallet emptied you worthless pos. Beg me to insure you, you worm".


*but sure there's no harm in asking is there?

See you there! woohoo

Ulysses Gaze

Special Circumstances wrote: »

Head on over to the insurance sub forum in motoring to talk to real life insurance employees.

Don't expect any real answers* but if you have a humiliation kink then knock yourself out... it's pretty much wall to wall "you dirty scummy scammer you deserve to have your wallet emptied you worthless pos. Beg me to insure you, you worm".


*but sure there's no harm in asking is there?

Judging from your comments, that sounds about as enticing a suggestion as getting an enema.

Special Circumstances

Ulysses Gaze wrote: »

Judging from your comments, that sounds about as enticing a suggestion as getting an enema.

That's only an option on fully comp policies with full bonus protection.

Dr Crayfish

Do most of us (city dwellers anyway) really need cars or are they a convenience or things of leisure? I've managed my whole life without owning one and cycle to work every day. Unless you need one 100% I would try to avoid ownership. Constant hole in your pocket. I can borrow my parents one at weekends etc when I need it though, somehow my insurance is only €50 a year when I'm put on their insurance. Otherwise I don't think I could ever face handing all that money over to insurance companies.
Are the judges and claim culture in this county to blame though for the massive payouts these companies have to cover?

Samuel T. Cogley

Dr Crayfish wrote: »

Do most of us (city dwellers anyway) really need cars or are they a convenience or things of leisure? I've managed my whole life without owning one and cycle to work every year. I can borrow my parents one at weekends etc when I need it though, somehow my insurance is only €50 a year when I'm put on their insurance. Otherwise I don't think I could ever face handing all that money over to insurance companies.
Are the judges and claim culture in this county to blame though for the massive payouts these companies have to cover?

As above, by the admission of the insurance companies themselves, €50 of it.

Dude89

I was charged 150 Euro to downgrade from 1.2 Clio to a 1.0 litre mirca and the insurance woman's said " there seems to be a lot of people switching to nissan mircas at the minute hence the charge " absolute scumbags

bear1

I once had a volvo s40 diesel.. 01.
Paid I think 600e one year fully comp which I paid ASAP.
The following year it went up to 1200e
Rang them up asking wtf and I **** you not but the woman said it was a high powered car hence the increase.
It had 115 bhp.
Until the government get off their holes and actually force insurance companies to explain why they are no longer insuring cars over 15 years old and to show how the fook they calculate premiums then we are all going to get fleeced on a yearly basis.
Bad enough motor tax being extortionate.

Special Circumstances

bear1 wrote: »

I once had a volvo s40 diesel.. 01.
Paid I think 600e one year fully comp which I paid ASAP.
The following year it went up to 1200e
Rang them up asking wtf and I **** you not but the woman said it was a high powered car hence the increase.
It had 115 bhp.
Until the government get off their holes and actually force insurance companies to explain why they are no longer insuring cars over 15 years old and to show how the fook they calculate premiums then we are all going to get fleeced on a yearly basis.
Bad enough motor tax being extortionate.

If you go to the insurance subforum they will tell you that the Irish companies use the same risk rating bands (1-50) as the UK with a teeny tiny amount of exceptions. Such well known high performance chav chariots as the volvo s40 diesel and the Citroën c5 diesel are included in these few exceptions it seems. Somewhere around average, or below average on the UK scale.


They have bulletproof stats to prove these assertions.


No, nobody is allowed to see them.


Cough up the moolah you worms.

donegaLroad

Between health insurance and car insurance, the insurance companies have sucked up any spare cash left in the economy.

suicide_circus

Basically the insurance companies need to keep enough money in the bank to cover the worst case scenario in claims for all their policy holders. Whiplash injuries can be awarded anything from 12k to 77k and this vast disparity and uncertainty of awards means insurers have to maintain an unnaturally large pot of money. Add in an all pervading culture in Ireland in which everyone rips everyone else off in almost every walk of life and you've got expensive insurance.

Special Circumstances

suicide_circus wrote: »

Basically the insurance companies need to keep enough money in the bank to cover the worst case scenario in claims for all their policy holders. Whiplash injuries can be awarded anything from 12k to 77k and this vast disparity and uncertainty of awards means insurers have to maintain an unnaturally large pot of money. Add in an all pervading culture in Ireland in which everyone rips everyone else off in almost every walk of life and you've got expensive insurance.

And that has increased at least 100% in the last five years?

123.ie blame such statistically significant events as carjackings being on the rise.
https://www.123.ie/blog/reasons-for-car-insurance-premium-increase
But somehow neglect to mention the increased reserves companies are required to have now to curb cowboyism.
And that the dart throwing monkey in their investment department has been p1ssing their money away since 2008. Bad monkey.


Strange that they would forget to mention these things isn't it. It's almost as if they want to blame the public for their completely incompetent financial management.

Pay up all you scamming slimey scummy average motorists.

How long before somebody comes along and makes a meaningless apples with kumquats comparison to the compensation received in a different country with a functioning health system...3...2...1...

Or my favourite- all whiplash is fake. It's just not conceivable that a neck suporting a skull evolved for brain size rather than robustness of the neck could become a liability when subject to a sudden unexpected jolt. You could sprain a wrist or an ankle doing the most innocuous of things. You could put your back out tying a shoe lace. Whiplash is fake as fvck though.
An inverted heavy pendulum is obviously the ideal design to cope with car crashes and couldn't possibly be damaged under the laws of physics which govern this universe.

Pay up worms. Shame on you people who claim for damages. Shame. Shame. Shame.

suicide_circus

^^^^ can't both be true?

Insurance companies are bloodsucking bastards who use any excuse to jack up the premiums. But also the environment in which they do business in unpredictable and they have very strong regulations imposed on the amount of cash they need to sit on as well as paying for Setanta and uninsured drivers. Meanwhile a lot of Irish people see being in a fender bender as equivalent to getting 5 numbers on the lottery and there are literally gangs of people committing systematic insurance fraud.

Special Circumstances

suicide_circus wrote: »

^^^^ can't both be true?

Insurance companies are bloodsucking bastards who use any excuse to jack up the premiums. But also the environment in which they do business in unpredictable and they have very strong regulations imposed on the amount of cash they need to sit on as well as paying for Setanta and uninsured drivers. Meanwhile a lot of Irish people see being in a fender bender as equivalent to getting 5 numbers on the lottery and there are literally gangs of people committing systematic insurance fraud.

Apart from the omission of the massive investment profits disappearing and needing replacement you're not doing too bad there.

It's the disingenuous that gets me going. And the frankly illogical bs they spew to support things without offering any transparency.

If an insurer said to you "look you're a learner in your 30s. We are going to have to load you as if you were a liar trying to hide a driving ban or other conviction. We honestly haven't a b@lls who we're insuring and we don't care because we can keep loading decent people and they have to buy our product"... you'd feel a little hard done by wouldn't you?


If an insurer said to you look, you were the completely innocent parked stationary victim of a banned driver who ran into you. We can't insure you, or anyone that was in the car with you, as a driver for at least 5 years ... you be both confused and angry surely?

Where are the stats on the 10plus year old cars?

The whiplash claims don't add up at all BTW. Well... maybe they do but only in the secret figures that we can't see. The official figures from the PIAB don't match up at all though.

Parchment

I am terrified to renew my insurance in April. An older woman i work with got her renewal quote yesterday, she went from 400e to 750e - never a claim and drives a small 3 year old car.

whisky_galore

Dr Crayfish wrote: »

Do most of us (city dwellers anyway) really need cars or are they a convenience or things of leisure? I've managed my whole life without owning one and cycle to work every day. Unless you need one 100% I would try to avoid ownership. Constant hole in your pocket. I can borrow my parents one at weekends etc when I need it though, somehow my insurance is only €50 a year when I'm put on their insurance. Otherwise I don't think I could ever face handing all that money over to insurance companies.
Are the judges and claim culture in this county to blame though for the massive payouts these companies have to cover?

If you're a city dweller, single or a couple with no kids, with access to decent public transport, well then yes fine.

Beyond that, people are more or less forced to get one.

corner of hells

jacksie66 wrote: »

So my own car decided to start dying on me last week. It's a 03 Opel Vectra GTS 1.8. I'm paying Allianz 1500 a year to drive the thing as I need a car for work. 29 and a full license since 2006 but there you go. Anyways I went to Cork yesterday to pick up a new car I bought. Tis a 03 Vectra GTS pretty much exactly the same as my old one. The only difference was the colour and the much lower milage. Same car, year, engine, everything. When I was there I rang the insurance company to change over the insurance, thinking because it's the exact same car it'd be a straight swap. But nooooo. I had to pay 90 euro because my old car was a GTS sport and my new one was a GTS Elegance. So I was charged more for different spec, even though both cars are identical. You'd say something if it had a higher bhp or something but the differences are only cosmetic. What is it with insurance companies in this country fleecing us?

jacksie66 wrote: »

So my own car decided to start dying on me last week. It's a 03 Opel Vectra GTS 1.8. I'm paying Allianz 1500 a year to drive the thing as I need a car for work. 29 and a full license since 2006 but there you go. Anyways I went to Cork yesterday to pick up a new car I bought. Tis a 03 Vectra GTS pretty much exactly the same as my old one. The only difference was the colour and the much lower milage. Same car, year, engine, everything. When I was there I rang the insurance company to change over the insurance, thinking because it's the exact same car it'd be a straight swap. But nooooo. I had to pay 90 euro because my old car was a GTS sport and my new one was a GTS Elegance. So I was charged more for different spec, even though both cars are identical. You'd say something if it had a higher bhp or something but the differences are only cosmetic. What is it with insurance companies in this country fleecing us?

Sir , the answer to your problem last before you.
Why not switch registration plates on the cars and spray paint the new car the colour of the old one.Obviously say nothing to the insurance company .

Your welcome , you may back in my reflected glory.

VinLieger

Got a great quote with Allianz through AA for about 150 less than i was being quoted with everyone else

idnkph

It's laughable the way the insurance companies put all the blame for the rising costs on insurance fraudsters.... they are right. The legal fees that are being charged are pure fraud by the legal sector but because the word legal is in front of fees this makes it OK to extort money from the said companies and just make the rest of us ejits pay for it.