Cheap car to insure

Roycropper63

Morning,

Family member wants to buy a car for going to work.

Mid 30s but on a provisional. Insurance companies say he needs a 2008 or newer up to 1.2 cc..

Anyone any ideas?

Will companies insure people on provisional?

Nuw

She or he needs to pass the test asap, insurance company usually prefer that. As to the choice of car, we would need more info before we can advise, what budget? What type of driving will be done in it (country roads, mway, city... approx mileage)? Any other requirements (size etc...)?

NIMAN

I'm afraid no car is cheap to insure these days.

May have to be prepared for a shock.

Aren't provisional drivers meant to be accompanied at all times by a qualified driver?

bazz26

It's a how long is a piece of string question. Insurance is so based on the individual's circumstances, demographics, etc and how the particular insurance company rate them that it's an impossible question to answer.

The general rule of thump though is that small engined cars can have cheaper ratings with insurance companies but these days insurance is expensive for everyone including drivers with decades of claim free experience.

Cee-Jay-Cee

Roycropper63 wrote: »

Morning,

Family member wants to buy a car for going to work.

Mid 30s but on a provisional. Insurance companies say he needs a 2008 or newer up to 1.2 cc..

Anyone any ideas?

Will companies insure people on provisional?

Its absolutely sickening and completely wrong that insurance companies are able to dictate what kind of car people should buy. There are plenty of older cars on the market which are reliable, safe and economical but end up being scrapped due to the unfair influence of insurance companies.

NIMAN

... and don't forget that sometimes it might be cheaper to insure a newer car than an old banger, as the newer car has better NCAP safety ratings etc.

Car99

NIMAN wrote: »

... and don't forget that sometimes it might be cheaper to insure a newer car than an old banger, as the newer car has better NCAP safety ratings etc.

Are you sure ncap ratings are factored into insurance quotes?

Del2005

Cee-Jay-Cee wrote: »

Its absolutely sickening and completely wrong that insurance companies are able to dictate what kind of car people should buy. There are plenty of older cars on the market which are reliable, safe and economical but end up being scrapped due to the unfair influence of insurance companies.

Insurance is based on claims so if companies are paying out for older cars they'll increase the premium. You should blame the drivers of old cars for increasing the price. Look what happens when a certain car becomes popular with young people, usually because it's relatively cheap to insure, after a few years.

NIMAN

Car99 wrote: »

Are you sure ncap ratings are factored into insurance quotes?

I'm not, but I would be guessing they would be. Would make more sense in terms of potential payouts in a crash. If you have 5 occupants in a 5 star rated car that crashes, their injuries are likely to be less than 5 people in a 2 star car? No?

Also, the more things like traction control, ABS, automatic braking etc that are on cars (ie. safety features) then the less likely they are to be involved in a crash (exc. driver behaviour of course). A lot of these new fangled features may only be in expensive mid to top spec cars).

elperello

Yaris 1.0 litre all day long.

selectamatic

elperello wrote: »

Yaris 1.0 litre all day long.

Or a 1.0 daihatsu sirion if the budget is tight 2008 ones are down around the 2k mark.

DaveyDave

I thought insurance companies stopped caring about engine size? Is it not irrelevant these days? My 1 litre petrol Golf is faster than a lot of standard 1.6 diesels. The physical size of the engine doesn't necessarily mean faster. The outgoing 1.2 Polo DSG 90hp is slower than my 1 litre Golf, likewise the 1.4 125hp Passat is only .2 seconds faster 0-60 than the 1.0 Golf, it depends on the car it's in.

NIMAN wrote: »

I'm not, but I would be guessing they would be. Would make more sense in terms of potential payouts in a crash. If you have 5 occupants in a 5 star rated car that crashes, their injuries are likely to be less than 5 people in a 2 star car? No?

Also, the more things like traction control, ABS, automatic braking etc that are on cars (ie. safety features) then the less likely they are to be involved in a crash (exc. driver behaviour of course). A lot of these new fangled features may only be in expensive mid to top spec cars).

Irish insurance companies don't care that modern cars have automatic braking/collision detection, you won't get a 10% discount like you would in the UK. I asked about this and they hadn't got a clue what I was talking about. Similar with how having some dash cams in the UK also gives a discount with some companies.

Maybe in 5 years today's cars will be cheap to insure because they've had less crashes but it doesn't mean cheaper insurance for the current owner even though the risk is reduced. Insurance should be based on the driver, not the car.

No claims discounts are suspicious too. My mam has full NCB discount but without her discount her policy would be something silly like €5,000. Little old lady driving 20 years never crashed in her life. I'm a brand new driver and my policy was €3,000 before discount. No way my policy would be cheaper than hers.

Car99

DaveyDave wrote: »

I thought insurance companies stopped caring about engine size? Is it not irrelevant these days? My 1 litre petrol Golf is faster than a lot of standard 1.6 diesels. The physical size of the engine doesn't necessarily mean faster. The outgoing 1.2 Polo DSG 90hp is slower than my 1 litre Golf, likewise the 1.4 125hp Passat is only .2 seconds faster 0-60 than the 1.0 Golf, it depends on the car it's in.


Irish insurance companies don't care that modern cars have automatic braking/collision detection, you won't get a 10% discount like you would in the UK. I asked about this and they hadn't got a clue what I was talking about. Similar with how having some dash cams in the UK also gives a discount with some companies.

Maybe in 5 years today's cars will be cheap to insure because they've had less crashes but it doesn't mean cheaper insurance for the current owner even though the risk is reduced. Insurance should be based on the driver, not the car.

No claims discounts are suspicious too. My mam has full NCB discount but without her discount her policy would be something silly like €5,000. Little old lady driving 20 years never crashed in her life. I'm a brand new driver and my policy was €3,000 before discount. No way my policy would be cheaper than hers.

Your Mams insurance is €1500 with a full NCB ? Whsts she driving?

NIMAN

DaveyDave wrote: »

Insurance should be based on the driver, not the car.

If only insurance was that logical (it should be really of course).

Why should I, in my late 40s with 25yrs of driving with not a single claim, see increasing premiums every year. Its quite obvious I am a safe(ish) driver and not a big risk of a pay out.

Whereas people who are 30 with 2 or 3 claims in their life should be getting hammered.

DaveyDave

Car99 wrote: »

Your Mams insurance is €1500 with a full NCB ? Whsts she driving?

She's driving a paddy spec i30 1.6 diesel. When renewing this year AXA upped the renewal several hundred and basically told her to feck off to a broker if she wanted a better price. Now she's paying €600 with AIG through Post Insurance.

The point is on the AXA renewal the price before NCB is applied is absurd. If she was to get a new quote without any NCB she wouldn't be paying that much. It seems like they're making artificial pricing because of her full NCB discount.

Car99

DaveyDave wrote: »

She's driving a paddy spec i30 1.6 diesel. When renewing this year AXA upped the renewal several hundred and basically told her to feck off to a broker if she wanted a better price. Now she's paying €600 with AIG through Post Insurance.

The point is on the AXA renewal the price before NCB is applied is absurd. If she was to get a new quote without any NCB she wouldn't be paying that much. It seems like they're making artificial pricing because of her full NCB discount.

I ran a couple of quote through AXA for 43 year old on a 08 1.9tdi a4 , €3100+ with no ncb , €830 with full ncb. The quote with no ncb is crazy for 40+ year old with a full licence over 10 years. Even the full ncb quote is crazy in my opinion.

NIMAN

Yeah, good to see that they tackled the issue of high premiums.

kerten

I have 30+ age friends who moved to Ireland recently and going through process of getting Irish full license(Their own is not accepted here).

One pays around 2300 Euro for TPFT for a 07 prius. Other pays 3200 for a 14 volvo v40 1.6 diesel. Both still have learner permits and have 0 NCB(again their non-irish NCB wasn't accepted here)

Liberty gives quotes online for learner permit owners to have some numbers.

corcaigh1

Roycropper63 wrote: »

Morning,

Family member wants to buy a car for going to work.

Mid 30s but on a provisional. Insurance companies say he needs a 2008 or newer up to 1.2 cc..

Anyone any ideas?

Will companies insure people on provisional?

This just boils my blood, how in the name of god can insurance companies get away with dictating to people what year of car they should be driving...:mad:

shaunr68

NIMAN wrote: »

Also, the more things like traction control, ABS, automatic braking etc that are on cars (ie. safety features) then the less likely they are to be involved in a crash (exc. driver behaviour of course). A lot of these new fangled features may only be in expensive mid to top spec cars).

Yet conversely if that high spec new car is involved in a crash it is likely to cost a hell of a lot more to repair.

It's absolutely bonkers. The Irish insurance industry must be unique in that it is cheaper to insure a higher value item and more expensive to insure a low value item.

trellheim

how in the name of god can insurance companies get away with dictating to people what year of car they should be driving...

Because they are not obliged to , for 2017 its perfectly feasible for the insurance co boss to say we're only taking on 2008s and better for new customers, you can be sure they've run the numbers and decided on the market segments they are going after.

You will always get a quote of some kind or another from one firm or another.

bazz26

shaunr68 wrote: »

Yet conversely if that high spec new car is involved in a crash it is likely to cost a hell of a lot more to repair.

Medical bills incurred through injuries cost insurance companies a lot more than the cost of replacing a car. It's not just about the value of the car. A €200 car can cause as much damage or harm as a €200,000 car.

justfillmein

i put in different car types and different engine sizes into the online quotes to see what I was up against.

the insurance companies wouldn't entertain me at all under the learner permit.
OR i'd get mental quotes.


eventually put in a 1.4 golf and got the best quote(3000) so i ran with that, and went out and got a golf.
I know someone else that bought a micra, I think it was a smaller engine too and the quotes were ridiculous.

so maybe do the same BEFORE buying anything

(or maybe it might help if driver just waited until they were ready to pass the full test before getting a car??)

corcaigh1

trellheim wrote: »

Because they are not obliged to , for 2017 its perfectly feasible for the insurance co boss to say we're only taking on 2008s and better for new customers, you can be sure they've run the numbers and decided on the market segments they are going after.

You will always get a quote of some kind or another from one firm or another.

Well they should be obliged too, if the car is NCT'd why cant the insurance companies be obliged to cover the cars. You and me both know that their reasons for not covering is nonsense.

It is absolute madness and as a previous poster stated ireland must be unique to have this shambles of insurance cover...

Car99

The gubberment dont help the situation in anyway but i suppose its win win on the tax revenues side of things.

trellheim

Well they should be obliged too, if the car is NCT'd why cant the insurance companies be obliged to cover the cars. You and me both know that their reasons for not covering is nonsense.

It is absolute madness and as a previous poster stated ireland must be unique to have this shambles of insurance cover...

Insurance companies are not obliged to enter into a contract with you if they don't want to. Why should they be, do you not want to decide who YOU do business with ?

elperello

The thing is that by legislation you are required to enter into a contract with an insurance company.

Cows Go µ

elperello wrote: »

The thing is that by legislation you are required to enter into a contract with an insurance company.

Hence why they have a declined cases route for you to take to force a company to quote for you. You will always be able to get a quote though it may not necessarily be cheap

LirW

Cows Go µ wrote: »

Hence why they have a declined cases route for you to take to force a company to quote for you. You will always be able to get a quote though it may not necessarily be cheap

If you're holding an EU license there are only 2 companies that will quote you (and you usually can't afford it). That indeed is a bit ridiculous, Ireland is part of the EU after all and it's a lot easier getting affordable insurance in other EU countries.

DaveyDave

There's a long list of reasons as to why insurance is a joke. A quote for my mam on a 245hp Golf GTI Performance Pack is cheaper than her 110hp i30 diesel. If insurance is based off the amount of claims per model, it's not fair for the individual to be burdened with higher costs due to other drivers of that make/model.

€800 for the GTI PP and €840 for the i30 but a brand new i30 would be €700 and my 110hp Golf would be €550?

Someone in their 50s will get a cheaper quote than someone in their 30s, even if both have the same level of experience, say 9+ years. Lots of people are learning to drive in their 40s/50s, they might not necessarily have more experience than a younger person.

LirW wrote: »

If you're holding an EU license there are only 2 companies that will quote you (and you usually can't afford it). That indeed is a bit ridiculous, Ireland is part of the EU after all and it's a lot easier getting affordable insurance in other EU countries.

I accidentally put in EU license when getting a quote and nearly shat my pants. Considering we're part of the EU and anyone in the EU can live and work freely in the region, you'd think someone with a full license from countries that are a bit more civilized than ours would be acceptable.

LirW

In my first year here all companies but Axa and Aviva refused to quote me because I wasn't in the country for a year. Quotes started at 5k for a 1.1l car.
It was a few grand cheaper to insure my partner on a provisional with me as named driver. Also previous insurance documents wouldn't mean anything.

Even after being in the country for a while longer, there are still companies that wouldn't quote me.
I now have to exchange my license, something I'd rather not like to do... ffs, it's a EU license after all and most countries in the EU have better driving education than Ireland does.
Can't get my head around this nonsense.

justfillmein

insurance companies would not accept my friends EU licence either as a named driver on my policy:mad:

shaunr68

DaveyDave wrote: »

I accidentally put in EU license when getting a quote and nearly shat my pants. Considering we're part of the EU and anyone in the EU can live and work freely in the region, you'd think someone with a full license from countries that are a bit more civilized than ours would be acceptable.

It's disgraceful. It should be illegal to charge extra for goods and services to an individual because they come from another EU country. If it isn't already illegal that is.

LirW

shaunr68 wrote: »

It's disgraceful. It should be illegal to charge extra for goods and services to an individual because they come from another EU country. If it isn't already illegal that is.

If insurance companies are forced to tell you why your premium goes up this will certainly be an interesting one.
I can't imagine that this would go down well in Brussels.

EDIT: Back home I paid like 33 Euros a months for a Third party insurance. That one is bound to the number plate of the car, so the car is protected. Without it I wouldn't get the number plate, therefore there aren't uninsured drivers because you'd probably make 100m until someone stops you.

shaunr68

I understand that perhaps if the statistics say that people from for example Belgium are more likely to be involved in an accident then they load the premium accordingly. That's just morally wrong. Where does it end? It already pisses me off as a bloke that there are insurance companies touting for business from women drivers and advertising that because women drivers are supposedly safer then they get cheaper insurance. Now it works out for me because I've been a named driver on the missus' policy for years, as we only need one vehicle. However they should not be allowed to discriminate based on sex. In any other field it would be illegal. What next - say stats show that black people have more accidents? Gays? Jews? Disabled people?

LirW

Honestly I think it has to do with the left hand driving. All other EU countries drive on the right. I mean, it took me like 15 minutes to get a hold of it, it's not rocket science. Also drivers from a lot of other EU countries have a pretty tough driving education with lots of reassessments and you'd get easily convicted for speeding or other offences (which by the way would carry over if you exchange the license).
EU drivers having to drive in IE aren't exotic either.

To get somewhat back to topic, my car will be in the dreaded 12th year when I have to renew. If I buy a newer car and want to get insured I'd have to pay the odds of 3k for a car that's worth less than that. Renewal will be not much less than that. Also what's the point in only Third party when comp is only 130 euro more?
It makes no sense whatsoever.

trellheim

The thing is that by legislation you are required to enter into a contract with an insurance company.

You certainly are required to possess 3rd party insurance, sure.

It doesn't say which company. I've never had a problem getting a quote after 10 or 20 phonearounds BUT the quote - especially starting out - was fking shocking. there was an excellent long post on this site some time ago about the reasons behind the high quotes

justfillmein

justfillmein wrote: »

i put in different car types and different engine sizes into the online quotes to see what I was up against.

the insurance companies wouldn't entertain me at all under the learner permit.
OR i'd get mental quotes.


eventually put in a 1.4 golf and got the best quote(3000) so i ran with that, and went out and got a golf.
I know someone else that bought a micra, I think it was a smaller engine too and the quotes were ridiculous.

so maybe do the same BEFORE buying anything

(or maybe it might help if driver just waited until they were ready to pass the full test before getting a car??)

I got a 1.8 Focus insured for about half that just qualified on a full licence. It's a total crapshoot, I was getting quotes for less than you on 2.2 Litre Jags ffs.

Ginger83

LirW wrote: »

In my first year here all companies but Axa and Aviva refused to quote me because I wasn't in the country for a year. Quotes started at 5k for a 1.1l car.
It was a few grand cheaper to insure my partner on a provisional with me as named driver. Also previous insurance documents wouldn't mean anything.

Even after being in the country for a while longer, there are still companies that wouldn't quote me.
I now have to exchange my license, something I'd rather not like to do... ffs, it's a EU license after all and most countries in the EU have better driving education than Ireland does.
Can't get my head around this nonsense.

Its no wonder people drive without insurance.

LirW

Biggest factor why I can't afford to change my car even though it's highly uneconomical for my new circumstances. Can't afford to pay over 3 grand in insurance.

justfillmein

Deleted User wrote: »

I got a 1.8 Focus insured for about half that just qualified on a full licence. It's a total crapshoot, I was getting quotes for less than you on 2.2 Litre Jags ffs.

do you mean you got quotes of half mine with the full licence?
I still have the learner permit.


I wonder what my insurance difference will be once I have a full licence.
I wonder if it would be halved or just go down bit by bit over the years??

LirW

justfillmein wrote: »

do you mean you got quotes of half mine with the full licence?
I still have the learner permit.


I wonder what my insurance difference will be once I have a full licence.
I wonder if it would be halved or just go down bit by bit over the years??

I've recently picked up in another thread that the insurance could even go up a bit because you're now legally allowed to drive on your own as a new license holder, which could mean that you can get into an accident easier.

justfillmein

LirW wrote: »

I've recently picked up in another thread that the insurance could even go up a bit because you're now legally allowed to drive on your own as a new license holder, which could mean that you can get into an accident easier.

ah ffs:eek:

U_Fig

I passed my test about a year ago, I drive an 02 1.0l Corsa , my first quote on the Lerner permit, 26 , third party, was 860, my next was 1400, I then passed my test and it's down to 800. So it didn't make a difference,

justfillmein

U_Fig wrote: »

I passed my test about a year ago, I drive an 02 1.0l Corsa , my first quote on the Lerner permit, 26 , third party, was 860, my next was 1400, I then passed my test and it's down to 800. So it didn't make a difference,

your post fills me with envy;)



I feel like i'm lucky having my €3000 insurance because it was looking like I was never going to get on the road with the way the insurance companies were giving me the run around.

I should have been happy to be getting my first car but it caused me so much stress getting everything together:mad:

Dravokivich

Roycropper63 wrote: »

Morning,

Family member wants to buy a car for going to work.

Mid 30s but on a provisional. Insurance companies say he needs a 2008 or newer up to 1.2 cc..

Anyone any ideas?

Will companies insure people on provisional?

They lie. I've been driving 1.8l cars that were 10 and 13 years old since passing my test in July. Third the price of a 1.2l car from 2008 or newer.

kerten

U_Fig wrote: »

I passed my test about a year ago, I drive an 02 1.0l Corsa , my first quote on the Lerner permit, 26 , third party, was 860, my next was 1400, I then passed my test and it's down to 800. So it didn't make a difference,

Any previous named driver experience ?

My wife's first policy was 620 euro with 0 NCB + 4 years Named driver experience. They pretty much counted named driver experience as NCB.

U_Fig

kerten wrote: »

Any previous named driver experience ?

My wife's first policy was 620 euro with 0 NCB + 4 years Named driver experience. They pretty much counted named driver experience as NCB.

No previous named driver , I did get a special offer of 1 years deemed NCB the first year because my driving instructor had a policy with them, I went through First Ireland broker. I was expecting to pay much more, when I actually had 1 year NCB it went up to 1400. this year it was shade over 800 with 2 NCB and passing my test.

colm_mcm

In the meantime, insurance just went up across the board.