Insurance quotes, Sublime & Ridiculous

Volvoboy

im 18, and on a provisional,

Heres how i got on

1986 volvo 760 2800cc , unquoteable

1990 mini may fair 998cc, 2500e - 3400e

1994 toyota carina E 1600cc 3500e - 5300e



I think ill stick to the push bike.

junkyard

I remember buying a Fiat 127 van in 1988 for £275 and the insurance cost was £1800!!! nothing has changed and probably never will. Just recently I heard the insurance authorities quoating huge profits for the last few years yet again but the consumer will probably have to wait a few years to see any fall in charges. But then again what with global warming, terrorist attacks and government stealth taxes, the premiums will more than likely go up.

miju

TBH I would have only given you a quote on the mini, an 18yr old in a 2800cc or 1800c with no previous driving experience whatsoever woulnt be the safest bet now would it

Our man in Havana

Refusing to quote is illegal is it not?

slade_x

Bond-007 wrote:

Refusing to quote is illegal is it not?

An insurance company has the right to refuse as set out in their terms and conditions (basically they can refuse who they like without question). currently to my knowledge no insurer will insure a non experienced learner driver on a vehicle with no more than 1.5 litre capacity

Our man in Havana

slade_x wrote:

An insurance company has the right to refuse as set out in their terms and conditions (basically they can refuse who they like without question). currently to my knowledge no insurer will insure a non experienced learner driver on a vehicle with no more than 1.5 litre capacity

Is the declined cases thingy still not in existance? 3 refusals and someone must quote you regardless of cost?

dahamsta

The information they ask for is ludicrous imho, and the way they apply the information is bizarre. How is marital status relevant for example? And if the car is going to be used in a personal capacity, how is my job relevant? And that of my employer?

After seeing a Lancia Delta Integrale on TV earlier on (and knowing that one's being doing the rounds in Ireland for god knows how long now), and this thread, I decided to have a look to see how much in-sewer-ants would cost on it. So I filled in all that garbage in the form with my solitary year's NCB, and got a quote of ~€1100, with that massive excess one particular broker is touting at the moment.

But when I changed it to use my 10+ years named driving experience, the quote dropped to ~€900, with a much more palatable excess. How is that logical exactly? If you're going to ask me all those silly questions, ask relevant ones too please!

Anyone got 18 grand I could borrow btw?

Ernie Ball

Ken Shabby wrote:

The information they ask for is ludicrous imho, and the way they apply the information is bizarre. How is marital status relevant for example? And if the car is going to be used in a personal capacity, how is my job relevant? And that of my employer?

It's all about risk assessment, which is pretty much the cornerstone of the whole notion of insurance. For example, married men tend to drive more cautiously than do single men. I'm sure an actuary could quantify this. It's the same story for age, sex, size of motor and more. Be thankful they don't ask you even more apparently absurd questions like: Do you prefer your water sparkling or still? (there is almost certainly higher risk with those who answer 'sparkling').

Our man in Havana

There was a ruling that marital status could not be asked on motor insurance forms as it was considered irrelevant.

gabgab

This is what I'd do if I was in your shoes, go online and get a quote from a few companies, then call up a broker and ask them to get you a price. When they come back with it, tell them that you have a quote for say 300/350 les than that off another company. I'd suggest saying an underwriters in the uk.

Then ask them if they can match it, you could be surprised but might'nt be in the best position as they are'nt looking to hold onto you as a customer as your not one already,

Still worth a go imho

testicle

Bond-007 wrote:

There was a ruling that marital status could not be asked on motor insurance forms as it was considered irrelevant.

source?

30-6shooter

Why do they ask for your occupation and your employers occupation. Surely all this is bull****.

They should ask you,

Name: For obvious reasons

Address: Cityscum / Country

Nationality: Foreigners(specially nigerians) shud be loaded like fook. Provisionals shouldnt be allowed for foreigners.

Full/provo licence: full shud be cheaper obviously, 1st provo dear, but discount shud be more to do with NCB. (which it seems to be anyway)

NCB: Naturally the more the cheaper it shud be, and is.

Ever crashed: naturally a crash should raise it a wee bit. A crash caused by you on your 1st policy should mean a very dear polick next year.

Ever made a fake claim from insurance: If yes, shud be refused right away

Vehicle: Shud be assessed by horsepower, not capacity. (So a 1.9 74HP diesel should not be dearer to insure than a 1.4 74HP golf petrol :rolleyes: ) (Likewise, a 1.9diesel of 90HP should not be dearer to insure than a 90HP 1.4 civic/Astra).

Value of Vehicle: Policy shud go up a wee bit the more expensive the car.

Vehicle security: Imobilsers/alarms/garage, shud all make it cheaper.

Thats the questions they should be allowed to ask, none of this maritial status and what your occupation is unless your using the car for work.


I might have left a few important questions out, but thats really all they should be allowed to ask.

Hagar

Few obvious things here...

Marital status - this question is valid as many people add spouse as a second driver, if you're not married ...

Occupation - barmen are loaded for instance, free, anyone who knows a barman knows the score, access to alcohol and they drive home from work when the pubs/clubs have emptied the drunks into the car parks.

Fair questions IMHO

seamus

30-6shooter wrote:

Nationality: Foreigners(specially nigerians) shud be loaded like fook. Provisionals shouldnt be allowed for foreigners.

lol :rolleyes:
So it's not OK to discriminate against single people, but it is OK to discriminate against nigerians?

Ever made a fake claim from insurance: If yes, shud be refused right away

This would fall into Convictions/cancellations questions that they ask when applying.

Vehicle: Shud be assessed by horsepower, not capacity.

It is (among other things).

Value of Vehicle: Policy shud go up a wee bit the more expensive the car.

It does.

Vehicle security: Imobilsers/alarms/garage, shud all make it cheaper.

They do.

I don't totally see the problem tbh. Perhaps if they asked you if you had kids? It's reasonable to assume (and the stats would probably back it up), that people with children generally drive more safely than those without.

vector

testicle wrote:

source?

http://www.dataprotection.ie/viewdoc.asp?Docid=110&Catid=39&StartDate=1+January+2005&m=c

Hagar

If there's going to be any discrimination let it be against single Nigerians with provisionals

It'll save time in the long run.

Roddy23

on a side note ye'll probaly have to change your login name aswell Volvoboy

I think ill stick to the push bike.

vector

Hagar wrote:

If there's going to be any discrimination let it be against single Nigerians with provisionals

It'll save time in the long run.

That is too black and white (sic). A more acceptable category would be EU vs Non-EU, and that is already asked as "licence type". As is full vs provo.

dahamsta

Hagar wrote:

Marital status - this question is valid as many people add spouse as a second driver, if you're not married ...

I don't follow this logic. If I don't want to add another driver to the policy, it's none of their business. I take the previous poster's point about risk assessment, but I don't believe the suggestion that married men drive safer than single men. Men with children perhaps. In the car.

I understand insurance is a very precise business, and assessing risk is a science, if not an art form. However sometime it feels like they're making it up as they're going along.

adam

30-6shooter

I understand insurance is a very precise business, and assessing risk is a science, if not an art form. However sometime it feels like they're making it up as they're going along.

Errrrrrr,sure they are making it up as they go along. As pointed out in another thread, if an insurance bastarding company called insure123 offer insurance for E1123 i think its fair to say its a scam.

The price of insurance in this country depends on many factors,,,, mainly the weather and the day of the week you fone. If its a Monday and its raining your rightly snookered.

If the sun is splitting the stones on a Friday it wont be so bad a price.

Ernie Ball

vector wrote:

That is too black and white (sic). A more acceptable category would be EU vs Non-EU, and that is already asked as "licence type". As is full vs provo.

Uh, non-EU are already discriminated against. I got my Irish license 5 years ago after being forced to sit the test (3 times because the testers are completely arbitrary) and despite having been a fully licensed driver in another country for 25 years, during which I have driven several hundred thousand miles without an accident. When I finally bought a car here this year, I was told that none of my prior driving experience counted for anything with any insurance company. I am insured as if I am a novice driver and paying through the nose for it.

I think they should discriminate against all those who can't spell the word 'should.'

kluivert

Insurance companies do not like quoting cars that are ten years or older.

Why dont you send more money on a newer car and the insurance should come down shop around. First Ireland Risk Management Brokers are very good.

prospect

Two years ago, I got married , and shortly afterwards renewed my insurance.
Both my policy, and my wifes policy dropped considerably (more than the normal NCB discount), and we had named each other on our policies for the first time.

So, I think the married question is a great one

Gurgle

30-6shooter wrote:

Nationality: Foreigners(specially nigerians) shud be loaded like fook. Provisionals shouldnt be allowed for foreigners.)

- edit - What seamus said.

Guy:Incognito

prospect wrote:

Two years ago, I got married , and shortly afterwards renewed my insurance.
Both my policy, and my wifes policy dropped considerably (more than the normal NCB discount), and we had named each other on our policies for the first time.

So, I think the married question is a great one

Its noothing to do wit being married, its a partner/spouse thing. The discount is the same whether you have a partner or a spouse on the policy, be they straight/gay whatever.

Gurgle

kluivert wrote:

Insurance companies do not like quoting cars that are ten years or older.

Bull!

Its just a bit dearer to insure an older version of a car, around €40-€60 more e.g for a '95 compared to a '00, mostly because the older ones don't have all the safety features.

I have never had any trouble getting quotes & the newest car I ever had was 6 years old when I got it.

The oldest one was a 1985 mini I got in 1999, I had to get a certificate of roadworthiness as there was no such thing as an NCT at the time but with that they were quite happy to insure it.

thatkindofgirl

Ernie Ball wrote:

Uh, non-EU are already discriminated against. I got my Irish license 5 years ago after being forced to sit the test (3 times because the testers are completely arbitrary) and despite having been a fully licensed driver in another country for 25 years, during which I have driven several hundred thousand miles without an accident. When I finally bought a car here this year, I was told that none of my prior driving experience counted for anything with any insurance company. I am insured as if I am a novice driver and paying through the nose for it.

I think they should discriminate against all those who can't spell the word 'should.'

Exactly. Seriously though, I'm not paying a whole lot, but this whole bollox about "foreigners", wtf?

I drove on the same side of the road as French people, and they can drive here automatically, and I need to do this fancy footwork with an international licence for a year, and must pass my test the first time or I can't drive to work because the waiting times here are so ridiculous.

I have a full driving licence for 11 years, with a clean record. I was allowed to drive in the UK on my own driving licence, but not here! A friend in the same situation was pulled over and harrassed by a gardai about her international DL for ages. HELLO it's an international treaty. You, officer idiot, don't get to decide it's not valid.

I got a cheque from my insurance company for moving from Kildare to Westmeath! Yay!

layke

www.brittoninsurance.com

They did WONDERS for me.

Basically insurance companies want you driving mammy's car for a few years before they even look at you.

Hagar

@ Thatkindofgirl. May I ask where your original driving licence was issued?

Just because you drove on the same side of the road as France doesn't convey a lot of information regarding the standard of driving achieved.

thatkindofgirl

Hagar wrote:

@ Thatkindofgirl. May I ask where your original driving licence was issued?

Just because you drove on the same side of the road as France doesn't convey a lot of information regarding the standard of driving achieved.

Obviously not, but French drivers are legally entitled to drive here without going through getting a provisional and waiting a year for a test.

I was originally licenced in Canada.

mike65

thatkindofgirl wrote:

I was originally licenced in Canada.

Wel that says it all, Canadian drivers are notoriously........boring!!

I'll get my coat.

Mike.

FX Meister

I worked with a guy recently who paid €6000 on a 1.4 Sunny that he paid €500 for. 25 on a provisionsal. When asked why it was so high he said he had a few "scribbles on the license". He was banned for a few years for drink driving and crashing into two parked cars. I don't think it gets much worse than that.

ZENER

gabgab wrote:

This is what I'd do if I was in your shoes, go online and get a quote from a few companies, then call up a broker and ask them to get you a price. When they come back with it, tell them that you have a quote for say 300/350 les than that off another company. I'd suggest saying an underwriters in the uk.

Then ask them if they can match it, you could be surprised but might'nt be in the best position as they are'nt looking to hold onto you as a customer as your not one already,

Still worth a go imho

Best advice presented here by far. I'm 41, driving since 1993, full license 1999, no claims, Hib quoted 960 on a 147 - 1.6 T-Spark, got several other quotes as low as 655 (AXA) ! Rang Hib back told them the quote and straight away they changed to 635 - no proof of quote or anything - I no sooner had the words 655 out than she said 635 !!!. Obviously I accepted this quote.

The occupation question I can understand - tradesmen get screwed because they are assumed to carry tools etc which makes their cars/vans more desirable to break into plus they will be driving more doing nixers, presumably.

The marital status makes sense - I agree married men transporting kids will be more careful.

Diesel v petrol - almost equal power output from engines (KW) regardless of horse power - higher torque in diesel cars.

ZEN

unkel

FX Meister wrote:

I worked with a guy recently who paid €6000 on a 1.4 Sunny that he paid €500 for. 25 on a provisionsal. When asked why it was so high he said he had a few "scribbles on the license". He was banned for a few years for drink driving and crashing into two parked cars. I don't think it gets much worse than that.

He got a bargain under those circumstances

thatkindofgirl

Always go with a broker. I don't know what we'd do without ours -- they even take care of yelling at the insurance company when things need chasing up.

I've recommended a few friends to our brokers and they've ended up paying less -- one ended up paying a smaller excess but the price was the same she'd found elsewhere, and another got fully comp for 250 less than she'd been paying for 3rd party. That was crazy!