Young driver insurance

whelan2

How do ye do it? The quote I got today was nearly the same amount as my whole farm insurance. This will be a second vehicle in my name. My no claims discount is already on my land cruiser.

mengele

whelan2 wrote: »

How do ye do it? The quote I got today was nearly the same amount as my whole farm insurance. This will be a second vehicle in my name. My no claims discount is already on my land cruiser.

What year and make of car? A lot will depend on that

_Brian

I priced about.

Aviva have an option from memory it’s roughly €600 for six months cover and the 12 compulsory lessons, option to add another six months after.

That was added to my 2.0 140 bhp Tiguan, I like that I didn’t have to change for a feckin Yaris to get cover.

I’ve another few months but will move my insurance over to Aviva at renewal date in preparation

Bullocks

Are yer young drivers still on provisional and if they are do you have to be with them when they are driving still ?

whelan2

Bullocks wrote: »

Are yer young drivers still on provisional and if they are do you have to be with them when they are driving still ?

My lad is 17. On provisional licence. Yes has to be accompanied by a qualified driver. Won't even quote on anything below a 2010. Was a 2011 ford focus zetec 1.6 diesel I looked for a quote on

Bullocks

whelan2 wrote: »

My lad is 17. On provisional licence. Yes has to be accompanied by a qualified driver. Won't even quote on anything below a 2010. Was a 2011 ford focus zetec 1.6 diesel I looked for a quote on

Its a pity about having to be accompanied . It would be great to let them off like we could

whelan2

Bullocks wrote: »

Its a pity about having to be accompanied . It would be great to let them off like we could

I cant get him insured on our land cruiser

_Brian

Bullocks wrote: »

Are yer young drivers still on provisional and if they are do you have to be with them when they are driving still ?

The Aviva one specifically says they need to be accompanied or the insurance is invalid.

Interesting my sister in law had a wee tip driving unaccompanied and the insurance company instantly paid out €15k to a traveller who intentionally hit her when he found her reversing out of her drive way, he started off from three doors up from her house the pure hound.

Insurance company jacked her insurance up from €799 to €2500.

Bullocks

whelan2 wrote: »

I cant get him insured on our land cruiser

Ya I see most young lads now are driving cars as opposed to it being cheaper to get van insurance when I was starting out . My lad is only 13 but he is sure he is going to have my jeep as soon as he is old enough to get insured . He might need a rethink

wrangler

_Brian wrote: »

The Aviva one specifically says they need to be accompanied or the insurance is invalid.

Interesting my sister in law had a wee tip driving unaccompanied and the insurance company instantly paid out €15k to a traveller who intentionally hit her when he found her reversing out of her drive way, he started off from three doors up from her house the pure hound.

Insurance company jacked her insurance up from €799 to €2500.

They were decent to pay it,

_Brian

wrangler wrote: »

They were decent to pay it,

Yea I thought they might bawk on it but it was also really annoying they threw out €15k in a heartbeat.

Bullocks

_Brian wrote: »

The Aviva one specifically says they need to be accompanied or the insurance is invalid.

Interesting my sister in law had a wee tip driving unaccompanied and the insurance company instantly paid out €15k to a traveller who intentionally hit her when he found her reversing out of her drive way, he started off from three doors up from her house the pure hound.

Insurance company jacked her insurance up from €799 to €2500.

Sister works in an office dealing with a good few claims and knows the same few tavellers claiming over the years . The way claims are paid out so easily and for such amounts I suppose we can only expect premiums to head one way . Worse still is so many people think at this stage after paying a few years insurance that they feel hard done by if they haven't claimed a few bob back from it :eek:

Bullocks

wrangler wrote: »

They were decent to pay it,

Probably FBD

wrangler

_Brian wrote: »

Yea I thought they might bawk on it but it was also really annoying they threw out €15k in a heartbeat.

Yea, I was watching a programme last night about claims on pubs etc from falls.
One guy paid €19000 to prove he wasn't liable for €5000 for a fall. seems to be no way to get your costs from these gurriers when you win the case and they know it so the victims just pay up.

3 the square

Lad near me was quoted 10 grand to insurance a ford fiesta value 900 euro:(

whelan2

3 the square wrote: »

Lad near me was quoted 10 grand to insurance a ford fiesta value 900 euro:(

Was lucky he even got a quote

wrangler

Bullocks wrote: »

Probably FBD

I had an uncle a broker and I know he had a friend insured that hadn't a license, she had an english one and let it lapse and hadn't one for thirty years, he always said it wasn't their job to enforce the law and if she was insured under those conditions she's insured. So maybe some drivers are insured unaccompanied.
Plenty young drivers are driving unaccompanied.....not great if the car owner is a property owner also

ganmo

whelan2 wrote: »

Was lucky he even got a quote

That’s the same as not getting a quote.
If you’re refused(reasonable) quotes you can apply to the insurance board for insurance

whelan2

_Brian wrote: »

I priced about.

Aviva have an option from memory it’s roughly €600 for six months cover and the 12 compulsory lessons, option to add another six months after.

That was added to my 2.0 140 bhp Tiguan, I like that I didn’t have to change for a feckin Yaris to get cover.

I’ve another few months but will move my insurance over to Aviva at renewal date in preparation

How much do the lessons cost?

orm0nd

when mine were starting i got quotes from every available source & broker

Brittons in Donegal were good, Liberty, Axa , & a couple more had to change almost every year

FBD were a joke , told me they wouldn't quote & when I pointed out they were legally required to do so, were 3 times more than anybody else,

_Brian

whelan2 wrote: »

How much do the lessons cost?

€25/30 a 30 minutes lesson

MF290

Joined macra the other day to get a 15% discount from fbd

orm0nd

wrangler wrote: »

I had an uncle a broker and I know he had a friend insured that hadn't a license, she had an english one and let it lapse and hadn't one for thirty years, he always said it wasn't their job to enforce the law and if she was insured under those conditions she's insured. So maybe some drivers are insured unaccompanied.
Plenty young drivers are driving unaccompanied.....not great if the car owner is a property owner also

if push came to shove afaik the company have to cover third party, if not most likely MIBI will cover it and we'll all pay with our renewals

148multi

FBD were a joke , told me they wouldn't quote & when I pointed out they were legally required to do so, were 3 times more than anybody else,[/quote]

More than one way of saying no.

Mf310

18 myself was insured on the farm jeep while i was a learner.. got my 1 years ncb named driver exp last month makes a big difference in quotes .. insured now with axa on a 2.0 170bhp 2011 audi in my own name the size engine was only making about 300 in the difference so i went all out .. 2750 full comp fairly shocking but it is what it is for young driver to get on road

wrangler

148multi wrote: »

FBD were a joke , told me they wouldn't quote & when I pointed out they were legally required to do so, were 3 times more than anybody else,

I'm paying €650 fully comp for 2012 hilux and 12 by 5 ifor williams, premium has increased by €100 this year for some reason, I thought I had dodged the bullet when everyone elses was rocketing.

whelan2

wrangler wrote: »

I'm paying €650 fully comp for 2012 hilux and 12 by 5 ifor williams, premium has increased by €100 this year for some reason, I thought I had dodged the bullet when everyone elses was rocketing.

Our land cruiser is under €500 fully comp. Open driving. With my dad as an extra as he's over 71.

_Brian

whelan2 wrote: »

Our land cruiser is under €500 fully comp. Open driving. With my dad as an extra as he's over 71.

That’s good.

I’m paying €660 on my Tiguan, only one named driver.

whelan2

_Brian wrote: »

That’s good.

I’m paying €660 on my Tiguan, only one named driver.

That's why I nearly died when I got the quote yesterday

ganmo

My dad has finally moved away from Fbd. He had a customer number in the 1000 range but they didn’t want his business anymore. loyalty :rolleyes:

orm0nd

whelan2 wrote: »

Our land cruiser is under €500 fully comp. Open driving. With my dad as an extra as he's over 71.

it's scary how fast the tide turns , a few years back if we were getting any of my son's mates to do a run in our jeep we'd be checking they're were over 25

now a couple of my mates are in their 70's & so not covered unless we add as named drivers

Base price

ganmo wrote: »

My dad has finally moved away from Fbd. He had a customer number in the 1000 range but they didn’t want his business anymore. loyalty :rolleyes:

We are no longer with FBD either. In fact we no longer have anything insured with them which is a pity as they used to be very good.

I have to say they were very good with quotes when my lads started driving, 6 and 5 years ago. One had a punto and the other a fiesta (1100 cc) and the smaller engines kept down the cost of insurance. They reinstated my private policy with full no claims bonus and I started each of the lads off as a named driver for one year, I think it cost around €700. After that they both got their own policies for around €1,800.

orm0nd

Base price wrote: »

We are no longer with FBD either. In fact we no longer have anything insured with them which is a pity as they used to be very good.

I have to say they were very good with quotes when my lads started driving, 6 and 5 years ago. One had a punto and the other a fiesta (1100 cc) and the smaller engines kept down the cost of insurance. They reinstated my private policy with full no claims bonus and I started each of the lads off as a named driver for one year, I think it cost around €700. After that they both got their own policies for around €1,800.

my lads are a bit older , at the time FBD were more interested in giving cheap cover to high risk yuppie drivers as underwriters to No Nonesense .ie than looking after people who had been customers since the company was founded


it used to vary a bit from office to office depending on the branch manager but lately it all seems to be dictated from HQ

FarmerDougal

Some extortionate prices above, full comp on 290hp bmw 850€ with Fbd

Didn’t price around but a lot probably wouldn’t quote me on a group 6

Never paid more than 800 on any car all with Fbd

KatyMac

My daughter (20) got a quote on my car €2,300. Car is a Kia Sportage. Can't remember the insurance company atm. I was then talking to a lad from Aviva and he told me that I could get insurance for €535 and then once I was sorted put her on as a named driver and it would work out much cheaper (mind you, he didn't actually say by how much!) - he also told me about the lessons & accompanied driver for 6 months so, as my insurance will be up early November I think I will be changing.
Regarding FBD: I don't know how anyone can go with them. I found them very unhelpful when trying to get farm insurance so never bother even contacting at this stage.

Donegalforever

Be careful with Aviva as I hear on my local radio last week that
a listener had a letter from Aviva advising that they may not be able to provide motor insurance cover next year because of Brexit, (as apparantly Aviva is a UK company).
The listener said he was insured with Aviva through An Post.

Faith+1

FBD are complete tossers. Was with them nearly 10 years claims free then they upped my renewal by 100%. Wouldn't budge on price despite me telling them I was a loyal customer who never claimed. Was told that was the market and I was free to leave, which I did.

Ended up getting my insurance for 70 quid cheaper with 123. Fcuk FBD.

ganmo

Donegalforever wrote: »

Be careful with Aviva as I hear on my local radio last week that
a listener had a letter from Aviva advising that they may not be able to provide motor insurance cover next year because of Brexit, (as apparantly Aviva is a UK company).
The listener said he was insured with Aviva through An Post.

Aviva Direct Ireland Limited is regulated by the Central Bank of Ireland. A private company limited by shares. Registered in Ireland No 374895. Registered Office One Park Place, Hatch Street, Dublin 2.
Aviva Insurance Limited, trading as Aviva, is authorised by the Prudential Regulation Authority in the UK and is regulated by the Central Bank of Ireland for conduct of business rules. Registered Branch Office in Ireland No 900175. Registered Branch Address One Park Place, Hatch Street, Dublin 2. Registered in Scotland No 2116. Registered Office Pitheavlis, Perth, PH2 0NH.
Aviva Life & Pensions UK Limited, trading as Aviva Life & Pensions Ireland, is authorised by the Prudential Regulation Authority in the UK and is regulated by the Central Bank of Ireland for conduct of business rules.
Aviva Life & Pensions UK Limited, trading as Aviva Life & Pensions Ireland, is also regulated in the UK: by the Prudential Regulation Authority for prudential rules and, to a limited extent, by the Financial Conduct Authority for applicable UK conduct rules. Registered Branch Office in Ireland (No 906464) at One Park Place, Hatch Street, Dublin 2. Tel (01) 898 7000. Registered in England (3253947) at Wellington Row, York, YO90 1WR.

they have an office and are registered with the CRO so if they pull out of ireland it will be their choice just like if their subsidiaries in canada, india, Indonesia or Hong Kong decided to pull out of those markets

Dinzee Conlee

Donegalforever wrote: »

Be careful with Aviva as I hear on my local radio last week that
a listener had a letter from Aviva advising that they may not be able to provide motor insurance cover next year because of Brexit, (as apparantly Aviva is a UK company).
The listener said he was insured with Aviva through An Post.

I got that letter too - I didn't spend too long looking at it, but I thought the gist was they were registered in the UK, and were going through a process to register in Ireland. As this was a change in the contract, they had to notify you... The change was currently going through court in Edinburgh from what I remember...

I see you have said Aviva is registered in Ireland Ganmo, maybe its the underwriting of the claims or some subsidiary I'll have a dig for the letter this eve and get the detail...

I dont think there was anything about not doing business in Ireland post Brexit though...

kowtow

We bit the bullet and got each of the two of them fully insured on their own policy. I didn't like the idea of endless "named drivers" building up and frankly a no claims bonus of their own is going to be more valuable than a degree to them the way things are going.

I think they both started with Aviva, discount for lessons, discount for driving app (these are very difficult to claim in practice...) and each of them I think cost about 2.5-3K in the first year. It comes down fairly steeply once they are qualified and have no accidents - I will check the latest figures but I think the girl (about to turn 20) is under 2k.

Insurance rates in Ireland are pure theft, the first year I returned here I paid 3.5k for an L200 simply because I am a returning emigrant. I have been driving claims free for thirty years.

Incidentally we didn't want my son up the other side of the country at Gurteen driving unaccompanied, not to mention to get away to work experience, so we sent him to the UK for an intensive 72 hours of driving lessons and a test. He came back with a full UK licence which is no hassle to the insurance companies although it does raise the odd guard's eyebrows (he was only a month or two past his 17th birthday when he took it)

KatyMac

Kowtow, can he get an Irish licence just by doing some paperwork later on or does he just continue on the UK one? It sounds like a great plan...I'm looking at my 20 year old who is just getting started and I've a 16 year old that will soon be making eyes at me!! I have several cousins that live in various places in England - they could be looking at putting up a visitor or two!

kowtow

KatyMac wrote: »

Kowtow, can he get an Irish licence just by doing some paperwork later on or does he just continue on the UK one? It sounds like a great plan...I'm looking at my 20 year old who is just getting started and I've a 16 year old that will soon be making eyes at me!! I have several cousins that live in various places in England - they could be looking at putting up a visitor or two!

He can just send off for an Irish licence when he wants. although there is no real need to. The only problem with UK licences is that you can't renew them without an address in the UK... bit of a weakness in the system. I did my licence in the UK but have barely spent a few months there in the last twenty years... must change to an Irish licence myself now that I think of it.

One thing to bear in mind is they need to do an English theory test.. the boy had his Irish theory test anyway for the tractor licence but he jumped on the plane Cork / Stansted for the day and was able to get it done.

As you say they need to temporarily reside at a cousins address to get the UK provisional, that's what mine did, and work from there. Note that when they take the theory test they ask them the address and postcode - the lad was a couple of hundred miles out of his way in Stansted when he had to remember his cousins London address so I have no idea how he blagged his way through that one!

Dakota Dan

_Brian wrote: »

The Aviva one specifically says they need to be accompanied or the insurance is invalid.

Interesting my sister in law had a wee tip driving unaccompanied and the insurance company instantly paid out €15k to a traveller who intentionally hit her when he found her reversing out of her drive way, he started off from three doors up from her house the pure hound.

Insurance company jacked her insurance up from €799 to €2500.

Phantom whiplash? The insurance companies are talking about cracking down on that now but the solicitors are cribbing about it, it has always been a nice little earner for them vultures.