Outsurance ??

vectra

Anyone dealt with Outsurance?
Finding them difficult to understand where their NCB basis works and lack of Bonus protection option.
Quote is cheap, but the definition of cheap can often be the wrong way to make a choice.

Fr Tod Umptious

I got a great quote from them today.

I let my 20+ years NCB expire a year ago because we moved to a one car family during and after COVID.

Now we are going back to two cars.

So when I went looking for insurance I was told that being a named driver on my wife's car since my NCB expired (just over a year) was all I could use as proof of driving experience.

I could not use the other 20 years that I was a named driver on my wife's car while I had my own NCB as proof of driving experience.

Outsurance were happy to to use the fact that I had a license for 20 years and no claims or convictions as plenty of proof.

Their quote was over half what I was getting elsewhere.

coylemj

https://www.boards.ie/discussion/comment/122637984#Comment_122637984

You personal NCB should not expire until you are two years without a policy in your own name. Did you keep the last renewal notice that you got for your own policy? That will show that you had no claims in the 'nn' years up to some time in 2023. You shouldn't have to fall back on your record as a named driver on your wife's policy.

I'm confused by your (twice) using the term 'driving experience' - does that mean 'years with no claims' or the number of years you've had a full driving licence?

Fr Tod Umptious

https://www.boards.ie/discussion/comment/122639229#Comment_122639229

Yeah I'm over two years since I last had insurance in my own name so the NCB is now expired.

The two years were up in August 2023.

I've always been a named driver on my wife's insurance, even when I had my own insurance, it was a discount for her for me to be named.

What one insurance broker was telling me was that they could only count the time as a named driver on my wife's car between the expiration of the NCB and now towards any sort of discount.

When I say driving experience I mean 20+ years of having a full license and my own insurance and never having a claim or a conviction.

It seems that once you're NCB expires that's all irrelevant.

Del2005

https://www.boards.ie/discussion/comment/122640543#Comment_122640543

Bit late now but for married people with 1 car you should change the main driver annually, married people can insure their spouses property.

Fr Tod Umptious

https://www.boards.ie/discussion/comment/122646502#Comment_122646502

Yep, was aware of that, but it didn't suit us.

The quote from Outsurance was very good, about what my renewal used to be when I had insurance in my own name with a full NCB.

I went with it.

Del2005

https://www.boards.ie/discussion/comment/122646778#Comment_122646778

Don't stay with them too long. They don't do NCDs so when you look next time you've still got zero NCD. Getting back 10% of your premium after 3 years isn't much when you've lost your NCD of 50%.

Fr Tod Umptious

https://www.boards.ie/discussion/comment/122646816#Comment_122646816

I'll be looking around in a years time when the renewal is due,vas I always do.

xabi_a

I went for an online quite from Outsurance. I found them asking me for details of my house insurance. I'm a bit suspicious of these companies gathering data they don't need. I couldn't proceed with a quote without providing this information.

So I called Outsurance to ask what is the relevance of my house insurance, to how safe a driver I am? The customer agent couldn't explain it. Later I got a callback from a manager, he was keen to get me to continue with the quote, but he could only say the question had something to do with my "insurance record".

In the end I let it go. I went back to my An Post car insurance and got a decent quote from them (just calling them chopped about 15% off my renewal quote, that's a discussion for another day).

My suspicion is that Outsurance want your home insurance details so they can start selling you that too.

Eggs For Dinner

Where's the harm with them wanting to quote for your house insurance? Perhaps they have a multi policy discount

Del2005

https://www.boards.ie/discussion/comment/122788007#Comment_122788007

I don't have house insurance so got past that part. They couldn't give me a quote without my drivers licence number and I didn't have it on me when I called them, before I got back to them I got a great deal from the AA.

I just wanted to see how much cheaper they were to see if loosing my NCD, and then rebuilding it, is worth the few hundred Euro I'd get back after 3 years.

xabi_a

https://www.boards.ie/discussion/comment/122789672#Comment_122789672

The harm for me is that they won't let me get a quote without that information, so they're trying to force me to give it. I believe it's not relevant.

They could choose to let me continue without giving the information, and give me a quote without any "house insurance discount". But they don't.

I have no time for companies that exercise such hypocrasy, they will say it's to give a better discount, but it's nothing to do with that. It's a ploy to harvest data to try to sell me more insurance.

Eggs For Dinner

First world problems. "A ploy to sell you more insurance". That's exactly what it is alright .If their offering is not to your liking, do they force you to buy it?".

If you are concerned about your information being harvested, you should retire your smart phone

Del2005

https://www.boards.ie/discussion/comment/122803484#Comment_122803484

Of course companies harvest your data and every year when I do my renewal search several companies ask me about home insurance, none of the companies refused to quote me if I refused to tell them.

They couldn't even quote me without my divers licence number. I've had plenty of companies say that the quote is not final until you supply your drivers licence number, none flat out refused to quote till they got this and it only varifies what I said it doesn't provide any extra information that is required for the quote. The only reason why they want it is for data harvesting, it's not required for the quote it is required if I take out a policy but not before.

xabi_a

https://www.boards.ie/discussion/comment/122803484#Comment_122803484

I agree it's a first world problem. But I still don't like it. And they might be missing out because of it - I didn't get a quote and you didn't either.

It's like going into a clothes shop and being asked for your passport - you'll just go to another shop!

Eggs For Dinner

https://www.boards.ie/discussion/comment/122823152#Comment_122823152

So you're already prepared to give a company your name, address, date of birth, your licence details, your car registration but don't want to give them some random house renewal date, which contains no financial information. And this is somehow similar to handing over your passport to a random shop worker. OK.

xabi_a

https://www.boards.ie/discussion/comment/122824561#Comment_122824561

Well all the other stuff is needed to at least purchase the insurance (if not get a quote), but my house insurance details have nothing at all to do with the purchase. That's the difference, as I see it.

Del2005

https://www.boards.ie/discussion/comment/122824561#Comment_122824561

It's a direct GDPR violation. Your house insurance renewal has no bearing on your car insurance so it shouldn't be collected during a quotation, never mind it being a reason to refuse to quote. You can volunteer the information if you want, but making it mandatory is against the law.

Eggs For Dinner

https://www.boards.ie/discussion/comment/122826526#Comment_122826526

Nonsense, an insurer can refuse to give you a quotation for any non-discrimatory reason. If you're working your way through a motor quotation and cannot complete the process unless you provide them with details of what you last had for dinner, that's the end of the matter. Did you consider that insurers might consider it to be an underwriting consideration if someone answered that they didn't have any home insurance policy? . GDPR....jeez.

Del2005

https://www.boards.ie/discussion/comment/122829721#Comment_122829721

What effect does having home insurance have on a vehicle insurance quote? It has zero effect, so even asking if you have any is risky under GDPR as a company has to have a valid reason to collect data and home insurance renewal date isn't relevant to car insurance.

Refusing to provide a quote because the customer won't provide irrelevant information is against the law.

Eggs For Dinner

IIf a person proposing for motor insurance (the only compulsory insurance product in Ireland) has mede a decision not to bother effecting home insurance, it would be an underwriting consideration with regard to moral hazard, I'm not going to bother answering such wildly inaccurate comments with regard to GDPR