Liberty Insurance - MK5 Golf GTI predicament

NeilMcGrane

I currently drive a 2005 3dr MK5 Golf GT TDI 2.0 (140bhp standard).

Now I want to get a 2008 3dr MK5 Golf GTI 2.0 DSG (200bhp standard [automatic]).

I've been on the 'manage my online policy' account on the Liberty website and there you can change your vehicle details. I done this when getting insured on my current car, I had to pay an extra €166.00 to go from a 2006 1.4 ZR to the GT TDI, this was fine as there was a big difference between the cars. Now though, trying to get insured on the GTI is what's making me frustrated with Liberty.

Within their vehicle selection process, there is a choice of two between the GTI's (3 or 5 door), and then within that is the choice of automatic or manual. Now before this, on the drop down menu, there are three different GTI choices, all of which have 3 or 5 door options and all are the same power, litre etc. The first 3 door option, doesn't have an automatic option, only manual. When I select this, they'll insure me no problem and even offer me a €140.00 REFUND.

Now, since the car I want is automatic, I go to the next 'GTI option' that has an automatic option, I select it, click ok to get the quote, "We are unable to quote you blah blah", sorry what? The exact same car, same value, same number of doors, same engine, everything, they won't quote me with it being entered as automatic. Not even an increase in price. But yet they will give me a refund on a manual transmission GTI?

Can someone please explain this to me? Its very hard to believe they'll give me a refund on a manual, but absolutely no quote at all on an automatic.

I've called and spoke to their customer service agents too. These have told that I must be over the age of 30 to get insured on a GTI. I then told her that the online system insures me on the manual no problem and also gives me a refund, I said if I put this through, would I be refused. She replied no, and said once the system gives the quote, we wouldn't chase and refuse you the insurance. What happened to the over 30's rule?

I'm at a loss here as there is a lovely GTI that I really want, but cannot get insured as its an automatic... But if it was manual, I'd be up €140! It doesn't make sense at all

Also to add, yes the automatic is probably quicker, but it doesn't warrant them not quoting me at all, but giving me a refund on the manual equivalent.

galwaytt

Phone them; online is a waste of time, I bet it's the same - or less.

SCOOP 64

galwaytt wrote: »

Phone them; online is a waste of time, I bet it's the same - or less.

Think the op did, but they are contradicting the online quote, having to be over 30 to drive that car as i read it.

NeilMcGrane

SCOOP 64 wrote: »

Think the op did, but they are contradicting the online quote, having to be over 30 to drive that car as i read it.

Exactly this. I've gotten onto them again and its being reviewed now by the underwriters. Its a blatant mistake with their system and they know it.

I may have just messed up my chances at even getting a manual one now though

Mf310

NeilMcGrane wrote:

Exactly this. I've gotten onto them again and its being reviewed now by the underwriters. Its a blatant mistake with their system and they know it.

Im with liberty insuraance aswell and hoping to change my car within the next month I rang Liberty yesterday with the car I had in mind but they told me due to my age they would not be able to insure me but they could put it to underwriters. What does this mean and would this be bad? Thanks

NeilMcGrane

Mf310 wrote: »

Im with liberty insuraance aswell and hoping to change my car within the next month I rang Liberty yesterday with the car I had in mind but they told me due to my age they would not be able to insure me but they could put it to underwriters. What does this mean and would this be bad? Thanks

I had major hassle with them over my original issue. They came to the conclusion that no they will not insure me on a MK5 GTI due to me being under 30 years of age, and if I was to go through the online system and get insured through that, they would refuse me.

30 years of age minimum for a 200bhp automatic hatchback... I know who won't be getting my renewal in the next few months :P

DaveyDave

Sorry to barge in here but is there many insurance companies who won't cover the 25-30 age bracket in the likes of a GTI?

You could be driving since you're 18 with a clean license, full NCB and wouldn't get cover for being under 30 but someone who's 30 with almost no NCB will get cover?

NeilMcGrane

DaveyDave wrote: »

Sorry to barge in here but is there many insurance companies who won't cover the 25-30 age bracket in the likes of a GTI?

You could be driving since you're 18 with a clean license, full NCB and wouldn't get cover for being under 30 but someone who's 30 with almost no NCB will get cover?

I think it was their polite way of refusing me if I'm being honest.

I bet if I went out tomorrow and bought a manual MK5 GTI and insured it through their online system, they wouldn't bat an eye.

Sexual Chocolate

NeilMcGrane wrote: »

I had major hassle with them over my original issue. They came to the conclusion that no they will not insure me on a MK5 GTI due to me being under 30 years of age, and if I was to go through the online system and get insured through that, they would refuse me.

30 years of age minimum for a 200bhp automatic hatchback... I know who won't be getting my renewal in the next few months :P

Funny you say that because a mate of mine does drive his aul lads one on third party extension from time to time. As long as it's taxed he's good to go.

NeilMcGrane

Sexual Chocolate wrote: »

Funny you say that because a mate of mine does drive his aul lads one on third party extension from time to time. As long as it's taxed he's good to go.

Time to convince the oulfella to get a GTI so

Henry Ford III

3 door manual quote looks like an website error seeing as they won't cover any other variant, including the correct one.