Insurnce expires tomorrow, no way to renew until Monday

Gentleman Off The Pitch

Hi
I just remembered that my car insurance expires tomorrow and that my current provider sent me a letter two months ago with a very competitive quote. The problem is that there is no way to renew online with them, so I have to wait until Monday morning to call them and renew.

Just wondering what my options are here, should I get cover online elsewhere and cancel on Monday before the end of the cooling off period? I got a quote there from 123.ie that was almost 3 times the quote I received from my existing provider!


Thanks

Greenmachine

Options
1. Public Transport for the weekend/Monday
2. Rental Car
3. Taxi
4. Get a lift from family member/friend
5. Find a better quote online

seamus

You can live without a car for a weekend

Cee-Jay-Cee

Look at the letter you received. Sometimes your insurance continues (especially if you pay by direct bebit) without you having to do anything and you only contact them if you are not renewing with them. I was with Allianz and that was the way they operated.

Gentleman Off The Pitch

seamus wrote: »

You can live without a car for a weekend

I had to check that I didn't post this in After Hours by mistake. Getting around is not the issue, the lack of insurance is.

rocky

If it was sent to you 2 months ago, I'd hope the quote is still valid. If you need to get somewhere, get someone with driving other cars extension to take you, in your car.

vandriver

Was it bank of Ireland insurance ?
If it was,they sent you the new disc in the paperwork.

Donal55

You might want to check that letter again. I've just renewed recently and the initial quote was just valid for the month. If not renewed within that month I'd have to reapply.

Furthermore, some companies eg the AA was only giving me a quote valid for a week.
As another poster said it may be advisable to leave the car at home this weekend.
The gardai may already know that your insurance has expired.

ytpe2r5bxkn0c1

Gentleman Off The Pitch wrote: »

Getting around is not the issue, the lack of insurance is.

They are one and the same thing.

Gentleman Off The Pitch

Alora Rapid Material wrote: »

They are one and the same thing.

Please explain

Cee-Jay-Cee

Donal55 wrote: »

The gardai may already know that your insurance has expired.

The garda ANPR system only flags untaxed cars, they have no access to actual insurance details other than the insurance expiry date which is gained from tax renewal forms/applications but it doesn't flag on their ANPR system.

stryker mcqueen

Most companies open on Saturdays these days

Gentleman Off The Pitch

Donal55 wrote: »

You might want to check that letter again. I've just renewed recently and the initial quote was just valid for the month. If not renewed within that month I'd have to reapply.

Furthermore, some companies eg the AA was only giving me a quote valid for a week.
As another poster said it may be advisable to leave the car at home this weekend.
The gardai may already know that your insurance has expired.

The quote is valid until 12:00 tonight, after that they are not obliged to offer the same premium

minikin

might be worth sending them an email (quoting existing details) this evening confirming acceptance of their offer, with a query about paying... sing dumb and hope they look after you on monday.

Atlantic Dawn

On their website do they have bank account details you could pay in to using your policy number as a reference?

hdowney

Gentleman Off The Pitch wrote: »

Please explain

If your car is at home and not on the road, it having or not having insurance is not a problem (I suppose it is if someone robs it/destroys it - but for the point of driving it isn't)

the_syco

Who is the insurance with?

CeilingFly

Is this a wind up?

Most insurance companies have an online renewal option, failing that they are usually available on Saturdays.

In a worst case scenario and you can't make contact and you must use the car before Monday, you could take out new online insurance and then cancel under distance sales rules.

Cee-Jay-Cee

What insurance company are you with?

Gentleman Off The Pitch

hdowney wrote: »

If your car is at home and not on the road, it having or not having insurance is not a problem (I suppose it is if someone robs it/destroys it - but for the point of driving it isn't)

I started the thread because I am not entirely comfortable leaving a car worth thousands of euro sitting outside my house uninsured for the weekend. I would never drive uninsured and besides we have a second car in the family

I wasn't looking for suggestions of alternative means of transport, I was hoping that if there were others that found themselves in the same boat previously that they would have some useful information to share. For example, that the policy may automatically kick in for a fixed number of days or something (since I don't pay by DD this is not likely)

I suspect the poster whom I asked to explain what he meant, was looking for an opportunity to pontificate about driving uninsured but he was barking up the wrong tree

The insurer is Bank of Ireland Insurance Services Limited, administered by RSA Insurance Ireland DAC

Cee-Jay-Cee

Gentleman Off The Pitch wrote: »

I started the thread because I am not entirely comfortable leaving a car worth thousands of euro sitting outside my house uninsured for the weekend. I would never drive uninsured and besides we have a second car in the family

I wasn't looking for suggestions of alternative means of transport, I was hoping that if there were others that found themselves in the same boat previously that they would have some useful information to share. For example, that the policy may automatically kick in for a fixed number of days or something (since I don't pay by DD this is not likely)

I suspect the poster whom I asked to explain what he meant, was looking for an opportunity to pontificate about driving uninsured but he was barking up the wrong tree

The insurer is Bank of Ireland Insurance Services Limited, administered by RSA Insurance Ireland DAC

Have you checked online? You'll have a reference number which you can input on their website, there may be an option to renew online in which case you can donut before the quote expires at midnight. You'll then get a confirmation email which you can print and show to Gardai if you are stopped over the weekend.

jimmycrackcorm

Gentleman Off The Pitch wrote:

I started the thread because I am not entirely comfortable leaving a car worth thousands of euro sitting outside my house uninsured for the weekend

Why? Is it an autonomous self driving car?

Gentleman Off The Pitch

Cee-Jay-Cee wrote: »

Have you checked online? You'll have a reference number which you can input on their website, there may be an option to renew online in which case you can donut before the quote expires at midnight. You'll then get a confirmation email which you can print and show to Gardai if you are stopped over the weekend.

I have and couldn't find such an option. I also tried renewing directly with RSA online but the form only accepts XM policy numbers and not BM as issued via BOI

Unless I misplaced an additional page that came with my renewal letter, I have no reference number, just policy number and premium quote

ytpe2r5bxkn0c1

Gentleman Off The Pitch wrote: »

Please explain

ask of insurance = no getting around.

Gentleman Off The Pitch

Alora Rapid Material wrote: »

ask of insurance = no getting around.

Thanks for that

the_syco

Gentleman Off The Pitch wrote: »

I started the thread because I am not entirely comfortable leaving a car worth thousands of euro sitting outside my house uninsured for the weekend.

Strange. You were told two months ago that your insurance was expiring, yet you let it expire.

Gentleman Off The Pitch wrote: »

The insurer is Bank of Ireland Insurance Services Limited, administered by RSA Insurance Ireland DAC

Ring them on 0818 200 363 tomorrow between 10:00 and 14:00
See; https://personalbanking.bankofireland.com/insure-and-protect/insurance/car-insurance/options/

If they ask why you didn't ring today, blame your employer, and say that you were waiting to get paid.

punisher5112

jimmycrackcorm wrote: »

Why? Is it an autonomous self driving car?

Could be stolen or damaged...

No insurance means no cover for those.

rubberdungeon

You could also try

Tweet us @talktoBOI
24/7 response within 15 minutes or less

https://personalbanking.bankofireland.com/insure-and-protect/insurance/car-insurance/options/

Gentleman Off The Pitch

the_syco wrote: »

Strange. You were told two months ago that your insurance was expiring, yet you let it expire.

I'm guilty of leaving it until the last minute under the erroneous assumption that I could renew online like I do every year with other providers.

How making this mistake somehow makes my attempts to now rectify the situation to now appear 'strange' is beyond me

Ring them on 0818 200 363 tomorrow between 10:00 and 14:00
See; https://personalbanking.bankofireland.com/insure-and-protect/insurance/car-insurance/options/

If they ask why you didn't ring today, blame your employer, and say that you were waiting to get paid.

Thanks, that's a different number to the one I was provided with, I'll try in the morning

Henry Ford III

Best of luck OP. Don't leave it so late next time!

sellasheep

Forgetting to renew your insurance is baffling.

jimmycrackcorm

punisher5112 wrote:

Could be stolen or damaged...

Because the thieves have been waiting for years just for this weekend...

Gentleman Off The Pitch

sellasheep wrote: »

Forgetting to renew your insurance is baffling.

It's up there with the Somerton Man in my opinion

CeilingFly

sellasheep wrote: »

Forgetting to renew your insurance is baffling.

Not really - renewal is sent about 6 weeks in advance and usually no reminders.

So much can happen in 6 weeks it can be easy to forget. Has happened to me but just on house insurance.

laylag

I've worked in insurance for years and you are not alone here. People are forever forgetting it even despite multiple reminders in some cases.
I would email your provider with an intent to renew and call them first thing on Monday to pay.
Good luck!

punisher5112

jimmycrackcorm wrote: »

Because the thieves have been waiting for years just for this weekend...

No highly unlikely but it could well be the time one isn't covered the sh1t could hit the fan.

It could well be that you'll save money if you get a new quote. Premiums have come down about 10% in the last few months.

If you're not driving, and you keep your keys in a sensible location, and you're not driving a lamborghini, you stand more chance of winning the lotto than having your car nicked over the weekend. Ignore the boardsie trolls.

punisher5112

[Deleted User] wrote: »

It could well be that you'll save money if you get a new quote. Premiums have come down about 10% in the last few months.

If you're not driving, and you keep your keys in a sensible location, and you're not driving a lamborghini, you stand more chance of winning the lotto than having your car nicked over the weekend. Ignore the boardsie trolls.

What are you on about....
They said they were concerned themselves I replied to answer a silly question of why would it matter if not using the vehicle.

Things happen every day the car could well be fine but say its worth 10k and it burns or is damaged beyond repair or stolen and never found then where would most come up with the 10k.

Not trolling at all.

As said sure could be fine for the few days.

Bushmanpm

jimmycrackcorm wrote:

Because the thieves have been waiting for years just for this weekend...

punisher5112 wrote:

No highly unlikely but it could well be the time one isn't covered the sh1t could hit the fan.

"No no no, it happened on Tuesday night, honest guv"

punisher5112

punisher5112 wrote: »

What are you on about....
They said they were concerned themselves I replied to answer a silly question of why would it matter if not using the vehicle.

Things happen every day the car could well be fine but say its worth 10k and it burns or is damaged beyond repair or stolen and never found then where would most come up with the 10k.

Not trolling at all.

As said sure could be fine for the few days.

I'm marking the card of all the people griefing the OP for forgetting to renew - something that could potentially happen to the best of us under the right circumstances. I've no idea why you think I'm singling you out!

Allinall

CeilingFly wrote: »

Not really - renewal is sent about 6 weeks in advance and usually no reminders.

So much can happen in 6 weeks it can be easy to forget. Has happened to me but just on house insurance.

What about the reminder you set yourself?

punisher5112

[Deleted User] wrote: »

I'm marking the card of all the people griefing the OP for forgetting to renew - something that could potentially happen to the best of us under the right circumstances. I've no idea why you think I'm singling you out!

Oh believe me I fully understand I've a head like a sive.

Cee-Jay-Cee

sellasheep wrote: »

Forgetting to renew your insurance is baffling.

No it's not, don't be ridiculous.

ShadowHearth

punisher5112 wrote: »

Could be stolen or damaged...

No insurance means no cover for those.

I guess you are glass half empty person so. :pac:

The only solution I can see is to get a shotgun on black market, put a garden chair beside your car, get a flask of coffee and get ready for the long night, because everyone going to try to set your car on fire tonight.

Jokes a side. If you not planing on driving, then you will survive for 2 days. If you got another car in household, then park it up that way, so that your car would be blocked in. If you are that paranoind.

Honestly, unless you living in some really dodgy part of the country and have lambo outside your house, then I would not worry.

Cee-Jay-Cee

So OP any update?

Gentleman Off The Pitch

Over the weekend all phone numbers called lead to the same RSA message that stated that the office was closed so had to wait until Monday morning to renew, when I spoke to a nice lady in Bank of Ireland insurance services who renewed my insurance at the quoted premium no questions asked.

Furthermore the car wasn't stolen, burnt out, damaged or the autonomous driving functionality didn't erroneously kick in and take my car for a spin over the weekend, so I'm happy. Thanks for the advice

grogi

Gentleman Off The Pitch wrote: »

Furthermore the car wasn't stolen, burnt out, damaged or the autonomous driving functionality didn't erroneously kick in and take my car for a spin over the weekend, so I'm happy. Thanks for the advice

The theft or fire should not be the main reason to have motor insurance...

laylag

Gentleman Off The Pitch wrote:

Over the weekend all phone numbers called lead to the same RSA message that stated that the office was closed so had to wait until Monday morning to renew, when I spoke to a nice lady in Bank of Ireland insurance services who renewed my insurance at the quoted premium no questions asked.

Gentleman Off The Pitch wrote:

Furthermore the car wasn't stolen, burnt out, damaged or the autonomous driving functionality didn't erroneously kick in and take my car for a spin over the weekend, so I'm happy. Thanks for the advice

Glad you got sorted in the end!

Meeeee79

grogi wrote: »

The theft or fire should not be the main reason to have motor insurance...

Have you actually read the full thread? Maybe do so before chiming in. Glad you got sorted OP.