Insurance Rip off

royalmeath

Hi all.
I got my renewal today from fbd for farm,house insurance and the car aswell and I feel violated. Can anyone recommend any brokers or company who provide a good service asides from Fbd

selectamatic

Ah you should really just pay up.

Fiona Muldoon's €898,000 salary has to come from somewhere :P

Who2

royalmeath wrote: »

Hi all.
I got my renewal today from fbd for farm,house insurance and the car aswell and I feel violated. Can anyone recommend any brokers or company who provide a good service asides from Fbd
O callaghans insurance navan and ask for jean marc. he looks after the agri insurance, brilliant to deal with.

The part time boy

Anyone like to share what they paying ?

Last year I paid 1800 for house and farm . No tractors etc

That was with fbd

Username John

The part time boy wrote: »

Anyone like to share what they paying ?

Last year I paid 1800 for house and farm . No tractors etc

That was with fbd

I know the numbers here as only paid em recently...

650 for farm (small farm, no sheds or machinery to speak of)
320 for house
700 & 750 for two cars

I saw how much I paid in 2014 for car insurance... and I see it has almost doubled since then...

royalmeath

1500 for farm and house plus 796 for the car. I feel sick

The part time boy

Who ye with lads ?

I paying 700 for van

And 400 for tractor

All with fbd . I pricing around this year though

fastrac

Dairygold are after doing a preferential rates deal for shareholders and customers with Zurich and I for one will be checking it out.

visatorro

got Hibernian out recently, they were no cheaper


dunno why I said Hibernian it was Zurich that came out,

whelan2

visatorro wrote: »

got Hibernian out recently, they were no cheaper

We got Zurich out. Way cheaper on farm policies but miles out on vehicles. They wanted us to stay with fbd for vehicles and move to them for the rest. In the end we stayed with fbd as they kept the renewal at what we paid the year before with a few add ons.

visatorro

whelan2 wrote: »

We got Zurich out. Way cheaper on farm policies but miles out on vehicles. They wanted us to stay with fbd for vehicles and move to them for the rest. In the end we stayed with fbd as they kept the renewal at what we paid the year before with a few add ons.

friend of the older generation has a kid working with them, cant remember breakdown but the overall price was more expensive . insurance hikes seems to be a common theme

The part time boy

fastrac wrote: »

Dairygold are after doing a preferential rates deal for shareholders and customers with Zurich and I for one will be checking it out.

Actally I got that letter from dairygold today . Never connected the dots ! Mist send that form off

DaDerv

550 for the farm and sheds
330 for the tractor
1200 for the car, indemnity is costing me 250.

All that with FBD and they did me a 'deal' as I have so much custom with them. If I didn't get the deal they may as well have spun me round and lubed me up I'd say.

Justjens

Aviva, FBD haven't been able to come close to them in over 10 years.

€1850 I think last year for public liability, house and contents, three slatted sheds, hay barn and fodder/straw, cattle wandering and other liabilities, workshop and contents, emp libility up to €3k and 3 tractors TPF&T with windows on the Deer

Who2

people cant just throw up a price and not say whats included. try claiming and you wont be long finding out what your policy is like.

kowtow

DaDerv wrote: »

550 for the farm and sheds
330 for the tractor
1200 for the car, indemnity is costing me 250.

All that with FBD and they did me a 'deal' as I have so much custom with them. If I didn't get the deal they may as well have spun me round and lubed me up I'd say.

Jeez you have a deal and a half.

I paid FBD double your whole bill for just the Hilux.

Username John

Who2 wrote: »

people cant just throw up a price and not say whats included. try claiming and you wont be long finding out what your policy is like.

True, but where do you stop?

Should we all throw up all the fine print as well - cos that's really where they'll catch you...

I think there is some value in putting up prices, even without details... at least you know the general run of prices, even if you can't compare details...

Bass Reeves

Username John wrote: »

True, but where do you stop?

Should we all throw up all the fine print as well - cos that's really where they'll catch you...

I think there is some value in putting up prices, even without details... at least you know the general run of prices, even if you can't compare details...

I agree John that with insurances there are limits to what you can afford to insure but to compare prices you need comparisons. You even need fair detail as well as older tractors are cheaper to insure than newer ones etc. What I found out this year was that if you had a second tractor and it was not insured if you had an accident on the farmland itself you were on your own. Even land vary's quotes and rented land insured,

70 acre farm
Livestock 60K
4 bay shed X 2 aile with Crush (400 sq Meter approx)
Hayshed
Mealbin
Public liability and employer liability (10K family and 5K non family)
two tractors both 80HP 27 year old 4WD and 20 year old WD
Dwelling house and old farm house that is done up

2K but after a lot of bargaining and serching all cars and van are seperate

Tractors were about 200 each but not sure of rest of detail

davidk1394

Have everything with FBD all machines, house, vehicles and buildings. It jumped by €600 but got it for the same price as last year which is €2,500 I also have contractor insurance including cover for hedge cutting which is always costly

Base price

Moved from FBD to Aviva a couple of years ago and saved nearly 1000 on the renewal.
House
90 acres
5 bay slatted unit with lean to
4 bay round roof shed with 2 lean to's
5 bay open shed
1 tractor 84, Fiat tp f&t
Public liability, employers liability and revenue commissioners investigation cover!! for 820.00
Another house (2 story/4 bed) on the farm is rented but Aviva would not insure it because it was rented so its insured with Zurich for 306.00 plus public liability.
Above is through a broker who we also have the vehicles and other property insured through.

Dakota Dan

fastrac wrote: »

Dairygold are after doing a preferential rates deal for shareholders and customers with Zurich and I for one will be checking it out.

I did that today for farm house and livestock insurance, renewal from FBD €780 same cover with Zurich €340.

wrangler

Dakota Dan wrote: »

I did that today for farm house and livestock insurance, renewal from FBD €780 same cover with Zurich €340.

Zurich are going full on now to develop farm business, be interesting to see will they stay keen.
Some good guys are after going from FBD to zurich in the last few months.....guys that we got great sponsorship from on different projects

orm0nd

wrangler wrote: »

Zurich are going full on now to develop farm business, be interesting to see will they stay keen.
Some good guys are after going from FBD to zurich in the last few months.....guys that we got great sponsorship from on different projects

o/h's cousin is married to a former area manager of fbd, he started his own brokerage a few years back, and has held about 60% of his previous (fbd) customers

AXA will be doing farm insurance as well,

wrangler

orm0nd wrote: »

o/h's cousin is married to a former area manager of fbd, he started his own brokerage a few years back, and has held about 60% of his previous (fbd) customers

AXA will be doing farm insurance as well,

Unreal what they're charging some and not increasing others for no apparent reason

kk.man

Had Zurich out yesterday gave him my find policy. With them for 26 years. I said like for like on policy.
FBD 1200
Zurich 800

I'll be changing. Zurich guy said FBD will match it. We are all to be taken as fools.

Skatedude

I have to ask, what's normal for a farm? The normal house insurance for myself in Dublin is 1200, Are farms normally dearer or cheaper then city housing? Just curious.

whelan2

Skatedude wrote: »

I have to ask, what's normal for a farm? The normal house insurance for myself in Dublin is 1200, Are farms normally dearer or cheaper then city housing? Just curious.

€1200 must be some house

Bullocks

My jeep policy is gone from 600 last year to 820 this year with insuremyvan . He said if I was named on an axa policy he could do alot better . I am and it just came down to 780 .
Is it worth trying anyone else that ye might know of ?
I'm only doing about 3000 miles a year in it and thinking its time I got rid if the insurance stays going up

peteb2

I think AXA are about to move into farm insurance.

Reggie.

Very little companies do agri contracting insurance tho

adam14

Reggie. wrote: »

Very little companies do agri contracting insurance tho

That doesn't surprise me given the risks involved

Skatedude

whelan2 wrote: »

€1200 must be some house

about average based on my friends and neighbors quotes. Maybe location as we are beside the national botanical gardens? can't think of any other reason.

lefthooker

wrangler wrote: »

Zurich are going full on now to develop farm business, be interesting to see will they stay keen.
Some good guys are after going from FBD to zurich in the last few months.....guys that we got great sponsorship from on different projects

My experience with Zurich says they're not pushing too hard for business.
We're long term perennial FBD clients. I rang Zurich last January for a quote to compare prices. Their rep only rang after the renewal date, 27/1, to arrange a call out.
So this Jan. Zurich rang me asking could they quote and scheduled a call out for the 25/1. I met the rep and showed him all the buildings, tractors and machinery, livestock, jeep, car and dwelling house. He took a lot of photos and machinery serial numbers too. He told me he'd have a figure the next day but I didn't hear from him.
FBD were holding the cover over and their rep was calling out yesterday, 29/1, so I rang Zurich at noon and said I wanted a figure within a few hours and before FBD arrived.
To cut to the chase, FBD left with a hefty sum and as i sit typing this I still don't have a figure from Zurich. Just a bunch of timewasters:mad::mad::mad:

cuculainn

lefthooker wrote: »

My experience with Zurich says they're not pushing too hard for business.
We're long term perennial FBD clients. I rang Zurich last January for a quote to compare prices. Their rep only rang after the renewal date, 27/1, to arrange a call out.
So this Jan. Zurich rang me asking could they quote and scheduled a call out for the 25/1. I met the rep and showed him all the buildings, tractors and machinery, livestock, jeep, car and dwelling house. He took a lot of photos and machinery serial numbers too. He told me he'd have a figure the next day but I didn't hear from him.
FBD were holding the cover over and their rep was calling out yesterday, 29/1, so I rang Zurich at noon and said I wanted a figure within a few hours and before FBD arrived.
To cut to the chase, FBD left with a hefty sum and as i sit typing this I still don't have a figure from Zurich. Just a bunch of timewasters:mad::mad::mad:

is is normal for the insurance company to call out to work out a quote? we moved from FBD this year after years of business but the crowd we moved to quoted over the phone.

lefthooker

cuculainn wrote: »

is is normal for the insurance company to call out to work out a quote? we moved from FBD this year after years of business but the crowd we moved to quoted over the phone.

I think it’s optional but we’ve always had the rep call out and go through the levels of cover and amend if necessary, face to face.

Dakota Dan

cuculainn wrote: »

is is normal for the insurance company to call out to work out a quote? we moved from FBD this year after years of business but the crowd we moved to quoted over the phone.

It depends on what cover you're getting, if it's only public liability and livestock they wouldn't need to call but when you add sheds and machinery they need to see it. From my experience anyway.

Bass Reeves

Rep only ever call for first quote after that any changes and renewals are done over the phone.

jimini0

How much are ye paying for public liability and livestock?

Buford T. Justice XIX

lefthooker wrote: »

My experience with Zurich says they're not pushing too hard for business.
We're long term perennial FBD clients. I rang Zurich last January for a quote to compare prices. Their rep only rang after the renewal date, 27/1, to arrange a call out.
So this Jan. Zurich rang me asking could they quote and scheduled a call out for the 25/1. I met the rep and showed him all the buildings, tractors and machinery, livestock, jeep, car and dwelling house. He took a lot of photos and machinery serial numbers too. He told me he'd have a figure the next day but I didn't hear from him.
FBD were holding the cover over and their rep was calling out yesterday, 29/1, so I rang Zurich at noon and said I wanted a figure within a few hours and before FBD arrived.
To cut to the chase, FBD left with a hefty sum and as i sit typing this I still don't have a figure from Zurich. Just a bunch of timewasters:mad::mad::mad:

I had a different experience with Zurich. I got delayed looking for a quote and rang on a Friday with cover out on Tuesday. He arrived on Monday after 2, went through yard and machinery and gave a quote after going over some details back in the house.

In the end, we got farm and house covered for less than the FBD farm quote.

Buford T. Justice XIX

Skatedude wrote: »

I have to ask, what's normal for a farm? The normal house insurance for myself in Dublin is 1200, Are farms normally dearer or cheaper then city housing? Just curious.

Farm house values would generally be lower than urban houses so cover would be lower as well.

That €1200 would have our house and farm fully covered with a chunk of change left over to cover the tractor as well.

Panch18

have a 10 year old VW Caddy van that FBD want 1250 for

they can go f##k themselves

Dakota Dan

cuculainn wrote: »

is is normal for the insurance company to call out to work out a quote? we moved from FBD this year after years of business but the crowd we moved to quoted over the phone.

Dakota Dan wrote: »

I did that today for farm house and livestock insurance, renewal from FBD €780 same cover with Zurich €340.

I got a letter from fbd today to confirm my cancellation, f all thanks for your custom or any of that :mad: I say they know they can't compete with the completion.

kk.man

Dakota Dan wrote: »

cuculainn wrote: »

is is normal for the insurance company to call out to work out a quote? we moved from FBD this year after years of business but the crowd we moved to quoted over the phone.

Dakota Dan wrote: »

I did that today for farm house and livestock insurance, renewal from FBD €780 same cover with Zurich €340.

I got a letter from fbd today to confirm my cancellation, f all thanks for your custom or any of that :mad: I say they know they can't compete with the completion.

I was with them 26 years and said goodbye today as they couldn't match Zurich. I got better cover from them too.

Base price

kk.man wrote: »

I was with them 26 years and said goodbye today as they couldn't match Zurich. I got better cover from them too.

I was with FBD for 30 years, never had a claim or incident and when I objected to the price increase of €300 on my motor policy they offered me a €15 discount :mad:
Zurich quoted me €40 less than my original FBD premium. I'm with Zurich 3 years and they increased the premium by €35 last December.
Oh, I never received a letter from FBD confirming the cancellation of my policy.

Mooooo

Buford T. Justice V wrote: »

Farm house values would generally be lower than urban houses so cover would be lower as well.

That €1200 would have our house and farm fully covered with a chunk of change left over to cover the tractor as well.

Multiperil type cover?

Buford T. Justice XIX

Mooooo wrote: »

Multiperil type cover?

Just checked, 1600:o.

Yeah, multiperil. Fully covered for everything, I was told but I was told that before a storm took my sheds 4 years ago as well and found out I was underinsured so no idea tbh.

leoch

do zurich do tractor insurance

Dozer1

same as that, Dad was with FBD for years, switched to Zurich through a broker a few years ago and it was way less than FBD.

Everything in the one policy which I really like, FBD put the tractors on a separate policy.
FBD branch manager rang me last week to quote and came in at 20 euro cheaper than Zurich but I told him after years of being ripped off they'd want to do better, he just said ok right and hung up...some businessman...

Iansheridan18

Lads, I'm an insurance broker but I'm not on here to shill a policy to ye

Axa are launching a farm policy through selected brokers on the 16th of May
Might be worth looking at

Bass Reeves

Got a quote through Dairygold from Zurich premium 33% cheaper. Virtually like for like. If you are a customer of DG make sure to get a quote