Car insurance; whats going on?

MrSzyslak

I had a full NCB until 4 years ago when I moved away. I am back in Ireland since September and now badly need a car for work.

My brother is selling me his Honda Civic 1.6 2005 worth about 2k.

I couldnt get a quote online apart from AXA who quoted 3.5k for third party wtf is going on I have full clean licence for 10 years and never had claim. By insurance when I left was €440 on a higher value car, not joking there. Pissed of cause I need car asap for work.

Ill be on the phone in morning.

Any suggestions?

Wheety

You would lose NCB after 2 years of not being insured here. Apart from that, premiums have being on the rise for the last few years.

Atlantic Dawn

Yes after 2 years it's gone and you start from scratch. Try ring all insurers for quotes, if you were driving abroad some insurers depending on that country might take that in to account for NCB.

emo72

yeah but 3.5k? trying to attract doctors and nurses back to work here? sorry guys, feck all houses, yis have to rent 2k a month please. car insurance? yiv been away for 2 years? that'll be 3.5k please. this. country.is. insane.

tinofapples

MrSzyslak wrote: »

I had a full NCB until 4 years ago when I moved away. I am back in Ireland since September and now badly need a car for work.

My brother is selling me his Honda Civic 1.6 2005 worth about 2k.

I couldnt get a quote online apart from AXA who quoted 3.5k for third party wtf is going on I have full clean licence for 10 years and never had claim. By insurance when I left was €440 on a higher value car, not joking there. Pissed of cause I need car asap for work.

Ill be on the phone in morning.

Any suggestions?

Don’t pay 2k for a 2005 Civic !! Overpriced.

Insurance companies across the board have a policy of allowing people 2 years (I think) lapse in cover and then bye bye NCB and history . The insurance industry in this country is a joke, look at the ridiculous situation with cars over 10/15 years old, total bull$h1t .

MrSzyslak

Thanks I'll ring around tomorrow. I thought it was a case of quick quote online shop around and and sort it out tomorrow was thinking maybe 1k as heard it had gone up but this is ridiculous.

Side note any idea on motor tax. 1.6 Petrol?

SCOOP 64

MrSzyslak wrote: »

Thanks I'll ring around tomorrow. I thought it was a case of quick quote online shop around and and sort it out tomorrow was thinking maybe 1k as heard it had gone up but this is ridiculous.

Side note any idea on motor tax. 1.6 Petrol?

€514

MrSzyslak

SCOOP 64 wrote:

€514

Not bad I'll be on the road for 4 grand all in ha.. oh and need to renew my license which has expired since August. Another 55 why not sure haha

SCOOP 64

MrSzyslak wrote: »

Not bad I'll be on the road for 4 grand all in ha.. oh and need to renew my license which has expired since August. Another 55 why not sure haha

Cost of insurance is ridiculous now even for people with full no claims bonus,
don't know when its going to level out if ever, people in rural areas wont be able to afford to get to work at this rate.

MrSzyslak

MrSzyslak wrote: »

Side note any idea on motor tax. 1.6 Petrol?

SCOOP 64 wrote: »

€514

My post-2008 1.6 diesel is €205 motor tax. Surely the disparity is not that substantial?

tinofapples

[Deleted User] wrote: »

My post-2008 1.6 diesel is €205 motor tax. Surely the disparity is not that substantial?

That’s the old cc based system v’s the newer CO2 based system.

Tow

The 2005 car is also too old. The insurance companies have decided (in the last couple of years) that people who buy a 10+ year car are high risk.

Del2005

Never insure a vehicle for less than €4k, the insurance companies load cheap cars. Doesn't matter if you over value as they'll only pay book value anyway, but make sure you never under value as that's all they'll pay.

MrSzyslak

Tow wrote:

The 2005 car is also too old. The insurance companies have decided (in the last couple of years) that people who buy a 10+ year car are high risk.

Would I be much better off going up a few years and dropping from 1.6 to 1.3 or something?

arleitiss

Wheety wrote: »

You would lose NCB after 2 years of not being insured here. Apart from that, premiums have being on the rise for the last few years.

Wait I thought even one day of un-insured and you lose NCB?
My insurance is up on 24th of May and my birthday is on 28th of May when I hit 25.

Can I just float for 4 days without insurance and then apply and hopefully get quote?

com1

arleitiss wrote: »

Can I just float for 4 days without insurance and then apply and hopefully get quote?

Just don't be floating in your car... and hope it is not stolen or damaged

arleitiss

com1 wrote: »

Just don't be floating in your car... and hope it is not stolen or damaged

Nah it's fine, I can work from home for 4 days so that wouldn't be an issue.
But would that actually work? or would my NCB dissapear?

SCOOP 64

arleitiss wrote: »

Nah it's fine, I can work from home for 4 days so that wouldn't be an issue.
But would that actually work? or would my NCB dissapear?

Wont be a problem at all.

Harry Palmr

Been through this myself recently - 6 years off the road so treated like someone who has never had insurance. €2000 (including 6% "levy" to pay by instalments to ease the cash flow pain) for a 2007 1.4 Nissan via a broker.

Cordell

Honda Civic 1.6 2005, that's a very wrong car, it's too old and has a boy racer image attached to it.
And if you were away but still insured in that other country you may be able to get them to consider it as at least one year of NCB. That is, if you actually didn't have any claims.