Mad money for insurance

sergiot

Hello everyone.
So i'm paying for a 1.4 mazda 3 2004.
4,100 for insurance provisional 22 yr old.
mad money id say

should I get a 1L car? 05 upwards?

budget 1,300-1,600

I travel 300miles a week. need something reliable.

Cows Go µ

sergiot wrote: »

Hello everyone.
So i'm paying for a 1.4 mazda 3 2004.
4,100 for insurance provisional 22 yr old.
mad money id say

should I get a 1L car? 05 upwards?

budget 1,300-1,600

I travel 300miles a week. need something reliable.

Try adding your parents as named drivers, they should bring down the quote at least a bit. Liberty are normally good for young drivers.

If you are getting a new car, the younger the better (it doesn't necessarily bring down the quote but it means more companies will quote so you're more likely to get something cheaper) and the smaller the engine the better. Get quotes before you actually buy anything

beechwood55

Get your full licence as soon as you can.
Get a newer car - preferably 2010 and newer with a small engine.
Get a qualified driver named on your policy.

And is there a qualified driver with you on your 300 miles travelling per week??

Sue Pa Key Pa

beechwood55 wrote:

And is there a qualified driver with you on your 300 miles travelling per week??

Insurers will make the presumption that a driver with a learner's permit, who owns his own car, will drive alone and charge a premium to reflect this

sergiot

what about getting a van?

Henry Ford III

sergiot wrote: »

what about getting a van?

What about getting qualified first?

Alanstrainor

OP, you must contact all insurers and brokers you can find. There's list on this forum that you can use. Create a spreadsheet and log all your results. Pick the cheapest/best cover. Obviously passing your test should be an absolute priority.

lawred2

sergiot wrote: »

Hello everyone.
So i'm paying for a 1.4 mazda 3 2004.
4,100 for insurance provisional 22 yr old.
mad money id say

should I get a 1L car? 05 upwards?

budget 1,300-1,600

I travel 300miles a week. need something reliable.

that is really obscene...

however why don't you have a full licence?

You travel 300 miles a week with a fully qualified driver in the passenger seat?

beertons

If you can't pass your test, whilst driving 300 miles a week, you shouldn't be driving.

sergiot

i am waiting for a test since 2 months now...
yeah..

the_syco

sergiot wrote: »

i am waiting for a test since 2 months now...
yeah..

And you can't pick another area to have it in?

emeldc

beertons wrote: »

If you can't pass your test, whilst driving 300 miles a week, you shouldn't be driving.

That's not fair. Loads of people crack up on test day and fail numerous times. Just because he hasn't passed yet doesn't mean he shouldn't be driving.

lawred2

emeldc wrote: »

That's not fair. Loads of people crack up on test day and fail numerous times. Just because he hasn't passed yet doesn't mean he shouldn't be driving.

well he shouldn't be driving 300 miles a week unless there's a qualified driver with him

emeldc

lawred2 wrote: »

well he shouldn't be driving 300 miles a week unless there's a qualified driver with him

Watch you don't fall off that high horse there.
If he's paying 4K for insurance he should be allowed to fly a plane on his own.

lawred2

emeldc wrote: »

Watch you don't fall off that high horse there.
If he's paying 4K for insurance he should be allowed to fly a plane on his own.

well he might be allowed to fly a plane on his own for all I know but but he can't drive a car on his own..

he probably will though

but I'm not sure whether that would invalidate all that lovely insurance that he's going to be paying a very heavy premium for.

Markcheese

It'll probably make f-all difference to his policy cost when he does pass his test, which is bonkers... I'm sure people on here have said driving on your own won't nullify your insurance, but it might get you in trouble with the Gardaí.. Only might..

lawred2

Markcheese wrote: »

It'll probably make f-all difference to his policy cost when he does pass his test, which is bonkers... I'm sure people on here have said driving on your own won't nullify your insurance, but it might get you in trouble with the Gardaí.. Only might..

is that true?

emeldc

lawred2 wrote: »

is that true?

Yes. But they can refuse to pay for your own damage if you're fully comp.

If it's possible for you to answer honestly, when you were learning to drive you never ever drove unaccompanied?

lawred2

emeldc wrote: »

Yes. But they can refuse to pay for your own damage if you're fully comp.

If it's possible for you to answer honestly, when you were learning to drive you never ever drove unaccompanied?

Sure I did. On a few rare occasions. I passed my test while in college and didn't have a car. This was early 2000s though.

Did I drive 300 miles a week as an unqualified driver? No I didn't.

Skatedude

emeldc wrote: »

That's not fair. Loads of people crack up on test day and fail numerous times. Just because he hasn't passed yet doesn't mean he shouldn't be driving.

Er, It means exactly that.

emeldc

lawred2 wrote: »

Sure I did. On a few rare occasions. I passed my test while in college and didn't have a car. This was early 2000s though.

Did I drive 300 miles a week as an unqualified driver? No I didn't.

So just a little bit pregnant then :rolleyes:

emeldc

Skatedude wrote: »

Er, It means exactly that.

I'm not aware of a limit to the amount of learner permits you can get just because you fail the test.

TallGlass

I do and don't see the big deal with driving on your own.

I was giving free rein to drive a motorcycle after passing my ITB, I am still here to tell the tail. Now with a Full A/B.

I think you should have to do/done the 12 lessons for the B licence and be actively engaged for testing as in have a test date, provided you are doing both then, I don't see why you can't drive a car by yourself.

If you get a b learner permit and then hit the road without a lesson or any idea of what you are doing then, no I don't agree with that.

lawred2

emeldc wrote: »

So just a little bit pregnant then :rolleyes:

sure - if that make you happy

can I ask you a question? Are you currently driving on a learner permit?

GarIT

Markcheese wrote: »

It'll probably make f-all difference to his policy cost when he does pass his test, which is bonkers

Just a month ago mine went from 3,800 to 1,100 after I passed. 2011 Seat Ibiza

emeldc

lawred2 wrote: »

sure - if that make you happy

can I ask you a question? Are you currently driving on a learner permit?

Nope, car test '78, rigids '79, artics '82 and bikes '06. Car test was on the 3rd attempt . All the others were first time.

The point I was making about being a little bit pregnant is that you can't break the law a little bit. An L driver could drive 1000 miles a week without incident or he could drive to the local shops on one occasion and kill someone. There's no point in wagging your finger at someone who drives unaccompanied all the time when you yourself did it on rare occasions.

lawred2

emeldc wrote: »

Nope, car test '78, rigids '79, artics '82 and bikes '06. Car test was on the 3rd attempt . All the others were first time.

The point I was making about being a little bit pregnant is that you can't break the law a little bit. An L driver could drive 1000 miles a week without incident or he could drive to the local shops on one occasion and kill someone. There's no point in wagging your finger at someone who drives unaccompanied all the time when you yourself did it on rare occasions.

Actually there is. It wasn't right for me then. It's not right for anyone else now.

emeldc

lawred2 wrote: »

Actually there is. It wasn't right for me then. It's not right for anyone else now.

Do as I say, not as I do

cplwhisper

All drivers learner or full , not meeting the terms attached to their licence, will not be cover any insurance risk for both own damage and third party.

Example

If learner licence/permit and you choose to drive ‘on your own’ then you are on your own to pay the TP liability or damage to own car.

emeldc

cplwhisper wrote: »

All drivers learner or full , not meeting the terms attached to their licence, will not be cover any insurance risk for both own damage and third party.

Example

If learner licence/permit and you choose to drive ‘on your own’ then you are on your own to pay the TP liability or damage to own car.

You better give us a proper legal link for that one.

lawred2

emeldc wrote: »

You better give us a proper legal link for that one.

it's likely to be a condition of the insurance policy...

but I think emeldc may be right in that insurers have to at least cover third party but were they to be sued - they may seek to recoup those costs from you directly - and not just by jacking up the premium, though they'll also do that of course

emeldc

lawred2 wrote: »

it's likely to be a condition of the insurance policy

I'ts my understanding that they can't exclude the (innocent) 3rd party, that's why I asked for a link.

CiniO

Sue Pa Key Pa wrote: »

Insurers will make the presumption that a driver with a learner's permit, who owns his own car, will drive alone and charge a premium to reflect this

I think it's the first time when I agree with your defence of insurers charging high premium.
Makes sense in that case to charge high money to someone who is not qualified to drive.

emeldc

CiniO wrote: »

I think it's the first time when I agree with your defence of insurers charging high premium.
Makes sense in that case to charge high money to someone who is not qualified to drive.

The premium doesn't always come down though. My sons (20) insurance went from 2k to 3k after he passed his test a year ago. Liberty then came in at €1700. Aviva eventually covered him for €1000 after he passed a 'driving test' with one of their instructors. If I remember correctly AXA wanted €6k :eek:
The car is a '06 307 1.4

Sue Pa Key Pa

emeldc wrote:

I'ts my understanding that they can't exclude the (innocent) 3rd party, that's why I asked for a link.

You are in breach of your policy conditions and, technically not insured. However, your insurer is obliged to compensate the 3rd party under RTA legislation. Because that payment was not a valid claim under your policy, they have the right to seek reimbursement from you.

emeldc

Sue Pa Key Pa wrote: »

You are in breach of your policy conditions and, technically not insured. However, your insurer is obliged to compensate the 3rd party under RTA legislation. Because that payment was not a valid claim under your policy, they have the right to seek reimbursement from you.

I had an idea it was covered by legislation. In reality do they ever go after the insured for reimbursement or is there any point.

Cows Go µ

emeldc wrote: »

I had an idea it was covered by legislation. In reality do they ever go after the insured for reimbursement or is there any point.

Yeah, they do. It doesn't always happen but I have seen them do it

cplwhisper

emeldc wrote: »

You better give us a proper legal link for that one.

Axa car policy FAQ

https://www.axa.ie/help/topic/car-insurance/

Unfortunately no, by law you are not allowed to drive on your own if you hold a provisional Irish licence or learner permit.


For your own safety you must always be accompanied by a fully licenced driver, who has held their full licence for a minimum of 2 years.
********

madmaggie

My elderly uncle has a scooter for going into town for the paper, chemist etc. Never had a claim in his life. AXA wanted 350 insurance from him. I found alternative online 90 cheaper. It makes me mad to see an OAP getting ripped off.

Sue Pa Key Pa

emeldc wrote:

I had an idea it was covered by legislation. In reality do they ever go after the insured for reimbursement or is there any point.

Not usually. There is little point in spending an additional 10k to try and recover money from someone of little means. The MIBI on the other hand are starting to seek judgements from uninsured drivers to recover claims they have to pay.

Henry Ford III

madmaggie wrote:

My elderly uncle has a scooter for going into town for the paper, chemist etc. Never had a claim in his life. AXA wanted 350 insurance from him. I found alternative online 90 cheaper. It makes me mad to see an OAP getting ripped off.

Well done. If everyone shopped around as you did loads of money could be saved.

Del2005

Sue Pa Key Pa wrote: »

Insurers will make the presumption that a driver with a learner's permit, who owns his own car, will drive alone and charge a premium to reflect this

So the insurers are condoning illegal activity to get a premium. We now have standardised EU licences, and learner permits. Yet in every other country you can't drive on a permit, in the UK the car will be lifted as by being unaccompanied you don't have a licence and therefore no insurance, but here the insurance company allow law breaking

GarIT

Del2005 wrote: »

So the insurers are condoning illegal activity to get a premium. We now have standardised EU licences, and learner permits. Yet in every other country you can't drive on a permit, in the UK the car will be lifted as by being unaccompanied you don't have a licence and therefore no insurance, but here the insurance company allow law breaking

The insurance company isn't allowing law breaking or condoning anything. All insurance companies operating in Ireland are required by law to pay out on 3rd party claims for unaccompanied drivers who are insured by them. This is in place to protect innocent people that are crashed into by an unaccompanied driver.

After the claim has been paid to the 3rd party they can then sue the unaccompanied driver to get their money back.

Sue Pa Key Pa

Del2005 wrote: »

So the insurers are condoning illegal activity to get a premium. We now have standardised EU licences, and learner permits. Yet in every other country you can't drive on a permit, in the UK the car will be lifted as by being unaccompanied you don't have a licence and therefore no insurance, but here the insurance company allow law breaking

The policyholder declares to the insurer that they will honour their licence. It is called utmost good faith and must be accepted unless they have proof to the contrary. They don't condone the the practice of driving without a qualified driver, but charge the appropriate premium to cover the increased risk

The UK operates the same system as we do in compensating 3rd parties, even if a driver has breached his licencing conditions, so if you have a problem with not enough cars not being 'lifted' here, that is a matter you should take up with the Gardai as it has absolutely nothing to do with insurance companies