Insurance Companies will not Insurer Cars over 10 yeas old disgusting behaviour

please helpThank YOU

Insurance Companies will not insurer cars over 10 years old with a validity nct test this to is Disgusting Behavior from the Insurance Industry of Ireland.:mad:

Kimbot

please helpThank YOU wrote: »

Insurance Companies will not insurer cars over 10 years old with a validity nct test this to is Disgusting Behavior from the Insurance Industry of Ireland.:mad:

Never heard of that tbh, any links??

DontThankMe

It's a disgrace Joe!

2011abc

Blue Insurance were doing 2 year policies on cars under 4 years old .I believe this was/is their ONLY business model at least back then .All this stuff can be put under the new catch all heading of 'The rich get richer and the poor get poorer '

donegaLroad

well the fat lady has just sang her last song... time for me to emigrate

2011abc

DontThankMe wrote: »

It's a disgrace Joe!

Let me guess you drive a car under ten years old or you just don't believe in ordinary folk complaining ?

Stheno

please helpThank YOU wrote: »

Insurance Companies will not insurer cars over 10 years old with a validity nct test this to is Disgusting Behavior from the Insurance Industry of Ireland.:mad:

Really? I've insurance on my 13 year old car as has my OH on his?

brightspark

My car is 11, got plenty of quotes in January though I ended up staying with the same insurer.

BetsyEllen

My car is 17 years old! And insured

ytpe2r5bxkn0c1

please helpThank YOU wrote: »

Insurance Companies will not insurer cars over 10 years old with a validity nct test this to is Disgusting Behavior from the Insurance Industry of Ireland.:mad:

Some will, others won't, and others sill charge you extra.

Arthur Daley

They must offer you insurance if you are an existing customer I believe. But if you are a new customer they load it up. It's the nail in the coffin for a lot of perfectly servicable cars. Well done insurance industry cartel.

bmwguy

I have had no problems nor has anyone I know. Move your business.

Harry Palmr

15 years is when a few of them get antsy with the poor sods not rich enough for something new.

Noveight

My 'Rolla van turned 10 this year, didn't see any change in insurance thankfully.

please helpThank YOU

Stheno wrote: »

Really? I've insurance on my 13 year old car as has my OH on his?

I was calling shopping around insurance Companies for my Father his car is 13 years car old like yours and some of them would not quote a car that old Cars over 10 years . plus others Insurance Companies who would quote wanted 300 to 400 euros more over the age of the car this has never happened my Father Before in the last 30 years this is news to me too . disgusting behaviour by insurance companies.

Grudaire

Definitely not all insurers are willing to quote, but I would advise checking with liberty, chill and the AA before assuming that nobody will quote (I got quotes off all three a week ago on a 03 car)

Widdershins

It's been going this way for a few years. I love driving old cars and I wanted to get away from cars with a lot of electronics and computery bits. I went from a brand new car to a 96 or 97 (am I the only one who doesn't memorise her license plate number?) and my insurance was cheaper on the older car
I do worry that the day will come when they won't insure her. I'm no longer in a position to drive new cars and even cars from 2000-2010 are too new for my liking. If it's NCT'd that should be sufficient proof of roadworthiness.

SeanW

please helpThank YOU wrote: »

Insurance Companies will not insurer cars over 10 years old with a validity nct test this to is Disgusting Behavior from the Insurance Industry of Ireland.:mad:

My car is well over 10 years old and though I don't have my pick and choice of insurers, I do have insurance. Even though I have allowed my vehicle age to increase (i.e. by not replacing my wheels) my insurance has only increased by 200% since 2012, well below what a lot of people experienced in the years since then.

It's not just the vehicles age - full vs learner license, length of license held, length of NCB, convictions or lack thereof etc will all have an effect.

I would suggest the OP to go shop around for quotes. All other things being OK you will get one.

boardsuser1

Recently bought a 17 year old motor to use as a spare when my daily driver is in the garage (a regular problem until 2 weeks ago)

Anyhow, i transferred my insurance onto it with no questions whatsoever.

It is nearly a decade older than what i already have,less mileage also plus it just passed the NCT, and they insured it.

Madness Ted, complete madness.

Skuxx

SeanW wrote: »

My car is well over 10 years old and though I don't have my pick and choice of insurers, I do have insurance. Even though I have allowed my vehicle age to increase (i.e. by not replacing my wheels) my insurance has only increased by 200% since 2012, well below what a lot of people experienced in the years since then.

It's not just the vehicles age - full vs learner license, length of license held, length of NCB, convictions or lack thereof etc will all have an effect.

I would suggest the OP to go shop around for quotes. All other things being OK you will get one.

200%!!! I thought I was hard done by when mine levelled out for a few years even though I had more no claims discount!!

maryishere

please helpThank YOU wrote: »

Insurance Companies will not insurer cars over 10 years old with a validity nct test this to is Disgusting Behavior from the Insurance Industry of Ireland.:mad:

Insurance is far cheaper in the UK too...sometimes this little babana republic depresses me. The corrupt elite in this country will not have to worry about insuring cars over 10 years old. Never saw them in a car over 10 years old.

Mint Sauce

My car is 11 years old and just reinsured it. Okay so it was up 40% on last year, to €690 fully comp. FBD wanted over a €1000 for 3rd party fire and theft, told me won't insure over 12 years old, am guessing that is just to new customers.

More I think about it, more I believe that the show rooms and the insurance companies are in it together to encourage people to buy new cars.

boardsuser1

Mint Sauce wrote: »

My car is 11 years old and just reinsured it. Okay so it was up 40% on last year, to €690 fully comp. FBD wanted over a €1000 for 3rd party fire and theft, told me won't insure over 12 years old, am guessing that is just to new customers.

More I think about it, more I believe that the show rooms and the insurance companies are in it together to encourage people to buy new cars.

PCP finance deals would lead one to believe that is exactly the case.

Allinall

please helpThank YOU wrote: »

I was calling shopping around insurance Companies for my Father his car is 13 years car old like yours and some of them would not quote a car that old Cars over 10 years . plus others Insurance Companies who would quote wanted 300 to 400 euros more over the age of the car this has never happened my Father Before in the last 30 years this is news to me too . disgusting behaviour by insurance companies.

That's a long way from your OP.

Make up your mind what you want to rant about.

I've an 11 year old car insured no problem.

Jurgen Klopp

There was only 1 or 2 that were coming down to the 10 year rule, it was mostly 15, AXA have a great deal for new customers was offered €630 comprehensive on a 01 however note everyone else was like 1200.

It was 700 third party last year with Liberty and never a point or claim. This car has been with Liberty for 6 years so not a banger just bought that might worry them it's for a staged claim.

The renewal was 2700, yes over 2000 increase AKA we are quoting to cover ourselves but we know you won't take it.

Whatever about 15 year old cars if they all reduce it to 10, it's over.

I've said it before the amount of people driving 10-15 year old cars is large and not just low income. You have a lot of people like accountants who have big mortgages and a few kids to look after

I'm telling you, if it goes to 10 your gonna have the Government scratching their heads wondering why a ton of people will be back on dole cause they can't afford a car to go to work.

Then you'll have the massive explosion in uninsured drivers and you know what, with what's been done I honestly can't blame em if it's a hard pressed family or individual

Agricola

"My car is 13 years old with a valid NCT, may I have an insurance policy please?"

- "No, sorry, the NCT is just a snapshot in time of the car's roadworthiness. It's could be falling apart a month later due to it being EXTREMELY OLD AND FIT FOR THE SCRAPPER!.......Ahem. So I'm afraid I can't offer you a quote today.

*******************

"Hello, Im calling about making a claim for some.................."

- "Does the vehicle have a valid NCT certificate?"

"About that, I'm afraid I................."

- "I'm sorry, if the vehicle doesn't have a valid NCT, we cannot honor any of our commitments as the vehicle has not been certified as road worthy, which is absolutely critical to all insurance claims"

ChikiChiki

Ireland Inc is all about squeezing the average Joe for every cent the have nowadays. The country is really going down hill fast.

Allinall

Agricola wrote: »

"My car is 13 years old with a valid NCT, may I have an insurance policy please?"

- "No, sorry, the NCT is just a snapshot in time of the car's roadworthiness. It's could be falling apart a month later due to it being EXTREMELY OLD AND FIT FOR THE SCRAPPER!.......Ahem. So I'm afraid I can't offer you a quote today.

*******************

"Hello, Im calling about making a claim for some.................."

- "Does the vehicle have a valid NCT certificate?"

"About that, I'm afraid I................."

- "I'm sorry, if the vehicle doesn't have a valid NCT, we cannot honor any of our commitments as the vehicle has not been certified as road worthy, which is absolutely critical to all insurance claims"

That's just a load of made up bull crap.

Beyondgone

Allinall wrote: »

That's just a load of made up bull crap.

Doubtful. Sounded spot on to me. Word for word.

Allinall

Beyondgone wrote: »

Doubtful. Sounded spot on to me. Word for word.

On what basis?

Liam McPoyle

maryishere wrote: »

Insurance is far cheaper in the UK too...sometimes this little babana republic depresses me. The corrupt elite in this country will not have to worry about insuring cars over 10 years old. Never saw them in a car over 10 years old.

No, it isn't, its heavily the opposite.

https://www.confused.com/on-the-road/cost-of-motoring/what-the-price-index-means-for-you

£781 is around €850.

http://www.independent.ie/business/personal-finance/car-insurance-cost-falls-for-first-time-in-years-cso-35703756.html

Average cost as per the CSO is around €500.


But don't let the truth get in the way of a bit of bar stooling.

Beyondgone

Allinall wrote: »

On what basis?

Do you want a link?
https://www.buildyourcnc.com/images/RollerChainLink40_1-800.JPG

Allinall

Beyondgone wrote: »

Do you want a link?
https://www.buildyourcnc.com/images/RollerChainLink40_1-800.JPG

Link is dodgy

Beyondgone

Allinall wrote: »

Link is dodgy

I wouldn't know. Didn't click on it.

Also to the ^^ going "UK insurance is dearer" -it isn't. No matter what your stats say. And their car-tax is buttons too. People over there whinge at paying £150 car tax. Try ours.. I've a foot in both countries, so before you go "But the stats!".. yeah. Like they say, there's lies, damn lies and then statistics.

Allinall

Beyondgone wrote: »

I wouldn't know. Didn't click on it.

Also to the ^^ going "UK insurance is dearer" -it isn't. No matter what your stats say. And their car-tax is buttons too. People over there whinge at paying £150 car tax. Try ours.. I've a foot in both countries, so before you go "But the stats!".. yeah. Like they say, there's lies, damn lies and then statistics.

Think you need to calm down.

I didn't quote any stats.

But you posted the dodgy link that doesn't work.

Liam McPoyle

Beyondgone wrote: »

I wouldn't know. Didn't click on it.

Also to the ^^ going "UK insurance is dearer" -it isn't. No matter what your stats say. And their car-tax is buttons too. People over there whinge at paying £150 car tax. Try ours.. I've a foot in both countries, so before you go "But the stats!".. yeah. Like they say, there's lies, damn lies and then statistics.

I have provided evidence from a large, UK based insurance aggregator.

You have provided the square root of fcuk all.

So if the link I provided is wrong then kindly provide proof to the contrary.

Agricola

Allinall wrote: »

That's just a load of made up bull crap.

Many insurers don't cover old cars, regardless of having NCT cert or not.

Many insurers wont pay out on a claim involving an old car without a valid NCT.

Pretty simple.


edit - Ive no problem with them not giving a fúck about the NCT. If their risk assessment calculations deem cars over a certain age to be a higher risk, then fine, don't cover me. But don't give me a big song and dance about having an NCT when I look for a policy, or fail to pay out on a claim due to not having a valid one. Just be consistent.

Atoms for Peace

There should be a basic level of insurance cover included with the NCT like they have in Japan or Australia.
It really is not fair that a legally required charge is left to the whims of private companies, it's tax on the poor and financially prudent for the benefit of the gangsters in the motor "industry" and finance.

maryishere

Rod Munch wrote: »

I have provided evidence from a large, UK based insurance aggregator.

And to show how car insurance is higher here, the average price of car insurance in Ireland currently stood at €900 after a year in which premiums have increased by an average of 28 per cent and as much as 50 per cent in some cases.http://http://www.irishtimes.com/business/financial-services/car-insurance-costs-could-rise-by-15-before-mid-2017-report-1.2845583

Zaph

please helpThank YOU wrote: »

Insurance Companies will not insurer cars over 10 years old with a validity nct test this to is Disgusting Behavior from the Insurance Industry of Ireland.:mad:

I recently insured my 12 year old car, so go away with the sensationalist nonsense.

allthedoyles

this is most likely for new quotes . if you already with an insurer it may not apply.

Sosurface

Ireland is completely and utterly a failed society and a capitalist experiment in the midst of going slowly but horribly wrong.

At the most basic level if it's written in the legislature of the state that not purchasing insurance is a prosecutable offence, yet the state doesnt offer any provision of insurance,pretty much FORCING you to buy a product from a private business. This represents illegal state aid to a specific industry surely?

Would a more sensible option not be to sell mandatory 3rd party only insurance at a low fixed fee to every driver, thus fulfilling the legal obligation and those who wish to add comprehensive insurance can then do so from private business. It could be added to the cost of motor tax.

Will never happen though as not too many greasy tills can be filled by cutting out the middlemen.

Eyes Down Field

If you have a current policy with an insurer, they will continue to renew regardless of age of car. It's the switching of companies that causes the problem with age restrictions. Also if you let your policy expire by a few days, your insurance company may say they have to set up a new policy and you could be declined depending on the insurers age limits, usually 13 -15 years old, depending on where you go. I never heard of a 10 year limit.

Liam McPoyle

maryishere wrote: »

And to show how car insurance is higher here, the average price of car insurance in Ireland currently stood at €900 after a year in which premiums have increased by an average of 28 per cent and as much as 50 per cent in some cases.http://http://www.irishtimes.com/business/financial-services/car-insurance-costs-could-rise-by-15-before-mid-2017-report-1.2845583

So taking both the confused.com link and the one you provided as gospel, there is about 5% of a difference between Ireland and the UK premium wise, not exactly the "massive" differences you claimed.

_Whimsical_

123 insured a 17 year old car for me this year without any problem, infact nowhere refused the custom. 123 cost 400.

Liam McPoyle

Sosurface wrote: »

Ireland is completely and utterly a failed society and a capitalist experiment in the midst of going slowly but horribly wrong.

At the most basic level if it's written in the legislature of the state that not purchasing insurance is a prosecutable offence, yet the state doesnt offer any provision of insurance,pretty much FORCING you to buy a product from a private business. This represents illegal state aid to a specific industry surely?

Would a more sensible option not be to sell mandatory 3rd party only insurance at a low fixed fee to every driver, thus fulfilling the legal obligation and those who wish to add comprehensive insurance can then do so from private business. It could be added to the cost of motor tax.

Will never happen though as not too many greasy tills can be filled by cutting out the middlemen.

How much would you charge for the mandatory third party cover?

What happens when the low TP premiums runs out and there are hundreds of millions worth of third party claims to be paid?

How precisely are those commitments going to be fulfilled?

If the government charge for TP cover then they have to cover TP claims costs.

One of two things would happen.

The government would have to increase what they are charge for the TP cover so they can cover the claims or they would have to apply an additional levy/tax to pay them.

So we would end up paying higher insurance premiums anyway!

The idea of having mandatory TP cover and everything being rosey is naive at best.

Until the crippling claims environment and ridiculous awards are curbed then there will not be cheap insurance.

You simply cannot have both ie cheap insurance and disproportionately large compensation payments.

Gadgetman496

I tried 14 companies for my last insurance and 13 of them refused to quote because of the cars age (19) The only company that was prepared to cover me was the company I am with already albeit it at an increased premium.

The car is in incredibly good condition for its age and has a valid NCT. I am also accident free for 41 years and have never received any penalty points.

There's definitely something going on I would think.

SCOOP 64

_Whimsical_ wrote: »

123 insured a 17 year old car for me this year without any problem, infact nowhere refused the custom. 123 cost 400.

Nowere refused not even FBD or Aviva?
i was with 123 with a 98 Astra insurance went up by €250, i went with bank of ireland got a cheaper quote.

The insurance on my 2004 avensis went up by €200 this year to a little over €600 (third party only). I was with AIG and they wanted €800 for third party. Switched to bump insurance as they were the cheapest my broker could find. By comparison I also have a motorcycle, a 2012 bmw which costs €380 for fully comprehensive! The bike is worth a lot more than the car and surely a much higher risk for an insurance company so why is the car insurance so much more expensive?

Gadgetman496

SCOOP 64 wrote: »

Nowere refused not even FBD or Aviva?
i was with 123 with a 98 Astra insurance went up by €250, i went with bank of ireland got a cheaper quote.

Well that just shows how inconsistent they appear to be regarding who\what they will or won't cover?

One thing about my above experience was that the 14 quotes were requested via the Web. I wonder if they have a bot to catch the age of the vehicle and automatically decline to quote on Web based requests? I wonder if it might have been a different response had I spoke to them via phone?

Liam McPoyle

[Deleted User] wrote: »

The insurance on my 2004 avensis went up by €200 this year to a little over €600 (third party only). I was with AIG and they wanted €800 for third party. Switched to bump insurance as they were the cheapest my broker could find. By comparison I also have a motorcycle, a 2012 bmw which costs €380 for fully comprehensive! The bike is worth a lot more than the car and surely a much higher risk for an insurance company so why is the car insurance so much more expensive?

If you crash your motor bike you are more likely to injure yourself only.

If you crash a car you could have potentially 4 passengers in the vehicle as well as the fact that an average car weighs probably 4 times that of a motorbike so the potential damage you would do to third parties in a car crash is significantly higher.

It's the third party element of motor insurance that is high as opposed to the own damage.