INSURANCE (Pain in the *rse!)

Morpheus

This thread is simple...

Tell us ur age,
ur type of licence,
ur insurance company,
ur car type/size/age,
how long ur driving,
and how much ur insurance is?

maybe it will help some of us shop around and get a better deal? seeing as to how MIJAG altho well intentioned is turning out to be aseries of BOY RACER meets, even if those spa's are only a minority. Truth is after the carry on at the last meet, id be embarassed to be seen there.

COME ON MIJAG you need more cop on, whats the point? convince the public young drivers lunatics like those gobsh*tes racing around at the last meet, or get rid of them and show the rest of us are responsible young people who are being walked on and exploited by over greedy monopolistic scumbag insurance companies.:rolleyes:

:mad:
IMO your first insurance should be at an entry level average such as the average insurance premium in ireland at the minute, it is a paltry IR£468.00(Ireland drivers pay the highest VRT tax in Europe therefore we have the highest costing cars in Europe, and also we pay the HIGHEST CAR INSURANCE PREMIUMS IN THE WORLD!!! YES... ON EARTH!!!!)

Mine is a world dominating IR£3700.
:eek:
That on a Punto 01-D 1.2 3 door hatch with alarm and imobiliser, is up in march, i need new quotes im with Quinn direct, but they havent requoted me as yet.
:mad:

So come on get the finger out and post-a-quote

Morpheus

Originally posted by Morphéus
This thread is simple...

Tell us ur age,
ur type of licence,
ur insurance company,
ur car type/size/age,
how long ur driving,
and how much ur insurance is?

BTW.... almost forgot

Im 25
Its a provisional licence
Im with Quinn direct
Ive a Punto 01 1.2litre
Im driving 1 year
My current insurance (april 2001 - present) = IR£3700
Thats fully comprehensive.

Waylander

27
Eagle Star through Marsh Brokers
1.4l 2000 Ford Focus
Full Licence since December 1999
€1900 / IR£ 1400 fully comp

bruce wayne

26
full licence
one direct - not sure of the final insurer
astra 1.4 2000 reg 5 door hatchback with alarm and immobliser
driving 5 years 2 on provisional, 3 on my full (3 years no claims bonus)
€1200 - fully comp

and this was the cheapest by about €600

Morpheus

The cheapest new quote ive gotten so far is Eagle Star at €3466 fully comp, i wouldnt even consider 3rd party. but il be screwed getting the deposit for this together in a month

ButcherOfNog

age : 33
car : honda prelude 2.0i 16v
ins : 720 old irish pounds fully comp

its a disgrace i say

*cough*

kayos

Originally posted by bruce wayne
26
full licence
one direct - not sure of the final insurer
astra 1.4 2000 reg 5 door hatchback with alarm and immobliser
driving 5 years 2 on provisional, 3 on my full (3 years no claims bonus)
€1200 - fully comp

and this was the cheapest by about €600

One Direct my old system that I coded so well the underwriter for One Diect are Hibernian. I would say they gave you a intro bonus with a price like that (most likely they boosted you up to about 40% NCB)

If anyone else is posting up dont forget your sex and your area the most important parts of the story in insurance.

Morphéus my only advice to you is get your full licence ASAP that will drop a load off your insurance.

kayos

Morpheus

oh yeah

PLEASE ALSO TELL WHAT SEX YOU ARE!!! MOST IMPORTANT.


im male (least i was last time i checked

Mills

17 year old male
Full License
FBD
Opel Vectra 1.6 litre 1997 reg (insured as a named driver)
Been driving almost a year.
Cost about €1600 in total fully comp, of which €1000 is extra that had to be paid so that I could be a named driver. It's cheaper than usual because we have our house and some land insured with FBD and we know some people who work there.....

Neil3030

Any chance of swingin a deal this way? Jesus christ thats fantastic! €1600 for a 17 yr old male in a 1.6 lr Vectra?!?!?!

kayos

Originally posted by Mills
17 year old male
Full License
FBD
Opel Vectra 1.6 litre 1997 reg (insured as a named driver)
Been driving almost a year.
Cost about €1600 in total fully comp, of which €1000 is extra that had to be paid so that I could be a named driver. It's cheaper than usual because we have our house and some land insured with FBD and we know some people who work there.....

You will never get Comp insurance as a named driver AFAIK you are only third party fire and theft but your father/mother would be comp.

One thing I should have said is if you can only get TPF&T cover if you find a brooker that does Acciendental Damage cover you can get that fairly cheap as it is based nearly solely on the value of the car. Very well worth it if you can only get TPF&T.

kayos

DirkVoodoo

18 Years old
Provisional lisence(*ahem*failed test first time*ahem*)
Own Car(like YAW!), 01-D Polo, (only) 1.0 litre, 5dr
Quinn Direct
£1500-£1800 as named driver, not too sure exactly

Well pissed off at insurance, ive had my eye on the alfa 147, but being an "almighty" 1.6 litre engine and with a bit of a sporty image i dont think thats likely unless i get my full license and grow a few years, perhaps a sex change is in order........

btw, I AM full comp so i guess that maks the post above me kinda inaccurate :P

Lenny

Originally posted by ButcherOfNog
age : 33
car : honda prelude 2.0i 16v
ins : 720 old irish pounds fully comp

its a disgrace i say

*cough*

Thats quite a good price!
how could you complain drive a prelude

Orgionally posted by Neil3030
Any chance of swingin a deal this way? Jesus christ thats fantastic! €1600 for a 17 yr old male in a 1.6 lr Vectra?!?!?!

Not that bad Neil, my quote on a Aventis 2.0 lr Turbo was 1,600-1,700 including 10-15 driving lessons, as a named driver btw

NeRb666

Originally posted by kayos


You will never get Comp insurance as a named driver AFAIK you are only third party fire and theft but your father/mother would be comp.

One thing I should have said is if you can only get TPF&T cover if you find a brooker that does Acciendental Damage cover you can get that fairly cheap as it is based nearly solely on the value of the car. Very well worth it if you can only get TPF&T.

kayos

Actually I was insured as a named driver by the AA with fully comp a few years ago. Then when I got my own car they wouldn't even quote me for 3rd party. Bunch of hypocritical twats.

NeRb666

Age: 22 (I'm 23 now though)
Licence: Full, for 3 years
Company: Axa
Car: 97 Mitsubishi Colt 1298cc
Driving for 5 years, 1 year NCB, 4 years named driver


£2124 TPF&T

****

Kali

age: 21
licence: full (for over a year now)
car: Punto (97) 1.2l
company: eagle star
price: €1100 named driver

unbeatable tho is this:

my best friend at the mo was recently quoted €9000 for his renewal...
he's 21, full licence for 3 years...
they said they'd bring it down to €6000 after an advanced driving course.
of course he's a professional racing driver and has had three crashs.. but thats irrelevant, 9grand? ouch

kayos

Originally posted by DirkVoodoo
18 Years old
Provisional lisence(*ahem*failed test first time*ahem*)
Own Car(like YAW!), 01-D Polo, (only) 1.0 litre, 5dr
Quinn Direct
£1500-£1800 as named driver, not too sure exactly

Well pissed off at insurance, ive had my eye on the alfa 147, but being an "almighty" 1.6 litre engine and with a bit of a sporty image i dont think thats likely unless i get my full license and grow a few years, perhaps a sex change is in order........

btw, I AM full comp so i guess that maks the post above me kinda inaccurate :P

Well if you want to be like that acouple of things to point out to you....

1. I did say "as far as I know" which means I admitted I could be wrong. It does not make my full post inaccurate.
2. You could not in any way shape or form (unless you are breaking the law) be a named driver on your own car now that is fact prove me otherwise.

Just to explain point 2 you can get insurance on your own car no problems but you are not a named driver if you own the car. By own I mean is it your name on the tax book for the car??? This is also what insurance companies look out for big time these days.

Also on point 1 I will try to explain myself a bit more. On most policies where there is a named driver the policy its self is fully comp but there is an endorsement put against the named driver to state that they are only covered TPF&T. So when you look at the policy you will see fully comp as the policy cover but if you check the endorsements on the policy the named driver will only be TPF&T in some cases TPO. To explain why I do know what I am talking about I have written software for one of the largest underwriter's in Ireland and others for years and I have a fairly good notion of what I am talking about.

kayos

FreaK_BrutheR

Age 27
full licence for 9 years
1.3i Mini se7en 2000
Allianz Ireland PLC
IR£620 Fully Comp.
Driving 10 years 3 years named 7 on me own.
Never crashed (well never claimed against my insurance i mean)
Caught drunk driving 9 years ago. lost licence for a year (appealled and got back after 6 months) and endorsed for 3 years - I don't have to mention this to the insurer anymore though.

another factor - I live in Donegal which helps I believe.
Your job helps too by the way.

Mills

You will never get Comp insurance as a named driver AFAIK you are only third party fire and theft but your father/mother would be comp.

One thing I should have said is if you can only get TPF&T cover if you find a brooker that does Acciendental Damage cover you can get that fairly cheap as it is based nearly solely on the value of the car. Very well worth it if you can only get TPF&T.

kayos

It's definately fully comp, but if I make a claim against it for something that happened while I was driving I have to pay the first £1000. The first place I tried quoted £3500 3rd party only, I only got such a good quote from FBD because my extended family has several million pounds worth of farms and a quarry insured all under FBD , friend of mine tried them and was told that they don't insure anyone under 25, at all.

seamus

19
Full Licence,
With Quinn Direct,
97 Fiat Punto 1.1,
Driving 16 months,
Insured at €4500 TPF&T

Insurance was the same last year, but I had a claim against me for 1,100 (wrote off an 88 micra). Obviously the fact that they still made a profit on me and I'd only been driving 2 months at the time made no difference Buh Bye car, Hello Bike! mmmmm bike

Robbo

18, Driving since a month after I turned 17
Full Licence
BMW 525tds Estate
2nd named driver
Premium €1100
Eagle Star

Scruff

age:23
sex:male
liscense:full driving liscense for 1.5 years
car:none
company:n/a
rate:n/a

posting this because i can't afford to pay the extorsionistic rates that the rest of you are paying, i'm completely priced out of owning a car on those grounds alone. :mad: Living and working on Dublin south side doesn't help either......

and am a bit jealous that the rest of u can, especially given ages and what yer paying. (yes i know i'm bitter but i wanna car too)

not looking at any seamus in particular........:rolleyes:

ando

VRT taxes ..... AHHHHHHHHHHHHHHHHHHHHHHHHHh
Insurance .... AHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHh


Age: 20
Sex: male
Driving: Renault kangoo, company van (can't and won't bother buying my own car)
Insurance: FBD
Full Licence
Insurance cost: ? i dunno ?

can anyone advise me if I can use a 'no claims bonus', as I have been driving for a year now without incident. I'm hoping it could help me when i do eventually get my own car

Coyote

Age = 23
Full Licence 4 years (passed first time)
AXA (were PMPA)
Merc, 2.3 litre, 16
5 years
Total = 1600
For me = 845 quid.


Coyote

NeRb666

Originally posted by ando
can anyone advise me if I can use a 'no claims bonus', as I have been driving for a year now without incident. I'm hoping it could help me when i do eventually get my own car

As far as I know, it's at the company's discretion, they are unlikely to give you 1 years NCB for every year you were driving a company vehicle. They may treat it as named driver experience, but since your a young male, they'll all probably try and screw you. I know my dad had a company car for 10 years, when he left the job and got his own insurance, they gave him 5 years NCB. You'd have to get letters from your company and their insurers to prove you had no claims too.

strat

Age : 21
Full Licence 6 months (passed first time)
FBD Insurance
1996 Renault 19 1.4
4 years
£600 pa
Named driver - on me ma's car even thought im the only one driving

btw - enquired to see if i could get a car - regester it with me ma again and put me down as named droiver and they say piss off we know u will be the one driving it being the third car

NeRb666

what's the story with those FBD heads anyway? Are they just for farmers and people like that?

BabyEater

20
male
full license 1 year
me insurance last year was IR£3400
Peugeot 106 1L 98
Quinn-Direct

DirkVoodoo

well, i actually share it with my sister, tho i do most of the driving so it is my car:P, but she is 21 and fully licensed so i guess she is main driver, i dont pay the insurance bill so i never really give it much thought, i just wanna drive. Hope that fixes it insurance guru.....

The only law i break is occasionally driving on my own, i can however think of far worse; commercial vehicles and company cars perform some of the worst driving maneuvers i have seen

Odian

The only law i break is occasionally driving on my own, i can however think of far worse

Goverment said they were goin to crack down on unsupervised driving by ppl under prov's,aint gonna happen though.

Rather see the gardai stoppin speeding cars rather then checkin to see if u are/arnt on a full licence

Stephen

19 y/o male,
provisional A1 licence (we're talking motorbikes here), so the largest thing I can drive is a 125cc, pretty much.

Its going to cost me about 1,000-1,100 euros p/a for third party only insurance on a 1999 Yamaha Virago 125. Comprehensive cover could cost me anything from 1400-1600 euros.

I've 3 years experience now (on a crappy scooter) with no claims for about 2 years and 10 months . Don't think this really makes a diff though. My premium didn't change the year after that claim.

NeRb666

Originally posted by Odian


Goverment said they were goin to crack down on unsupervised driving by ppl under prov's,aint gonna happen though.

Rather see the gardai stoppin speeding cars rather then checkin to see if u are/arnt on a full licence

While I agree with most of the things you post here, I'd rather see them enforcing the dangerous driving laws. There are too many idiots doing stupid things, whilst not necessarly speeding. But arguing about Garda policy is pointless. I was stopped on Bachelors Walk last week, they were checking tax and insurance. What good is that going to do in relation to road safety? They also caused a huge traffic jam. Methinks the poor bastards who were getting mugged within a few hundred metres would disagree with that policy, and why should the Gardai (paid by taxpayers) have to do the insurance companies dirty work?

seamus

Originally posted by Scruff
and am a bit jealous that the rest of u can, especially given ages and what yer paying. (yes i know i'm bitter but i wanna car too)

not looking at any seamus in particular........:rolleyes:

Hence why I'm getting a bike... Last year my premium was.....subsidised.....(my parents felt sorry for me) but this year I can only afford to pay about half of it, at most, so once I get my bike, the Direct Debits to those bloodsuckers at Quinn Direct stop.:)

Odian

why should the Gardai (paid by taxpayers) have to do the insurance companies dirty work?

Proabably because driving without insurance is breaking the law .

Would be a good idea for a special new motorway/road police to be set up,where ever there is a cop stopping cars for tax,there is once less cop patrolling the streets and that.

leeroybrown

20 Male
Full Licence (Passed first time)
97 Peugeot 406 1.8 Petrol
Insurance - Fully comprehensively insured on my fathers company policy as the first named driver. Legally I'm actually classed as a third party while driving the car as the insurance is in a group policy in the companies name so if I crash I could seek compensation from my own policy.

My father is retiring in 5 days time, so unfortunately my 3.5 yeas of free insurance will end. As my father is going back to a company as a new customer adding me as the first named driver would be hugely expensive.

JohnBoy

Male
22
92 Rover 214 si
£2900 renewal with axa
2nd provisional
Software engineer
Living in thurles co tipp

In november 2000 I bought my car, my first car, with only about 9 months named driver experience, and none of it in long stints, so the companies treated me like a new driver. I was on my second provisional.

In october, 2000, when I was 20 I was quoted £5000 for a 1 litre micra valued at £2000, 5 days later I turned 21, and my quote was £2700 (now that's retarded)

I was quoted £2800 by quinn direct.

I ended up getting a 1.4 cos the differnce wasn't that much, and I was in a good job at the time.

The 2 quotes were

Quinn direct £3200
or AXA £3300

I actaully went with axa cos they offered a £1000 reduction, to be payed back over 5 months for 10 quid, as opposed to a similar deal from quinn direct which was gonna cost over £300 in finance and bank charges????

In october of 2001, unfortunately the engine blew, 20,000 miles in eleven months for a £1500 car was ok though, plus it was barely serviced.

I didn't want the car any more cos I'm back in college this year and couldn't afford it, but my quote was £2900, but with a load of conditions:

Even though I had a second provisional I would not drive without a fully licenced driver,

I would never break the speed limit (something I try not to do, but still object to signing to)

I would not drink drive (something I refuse to do, but also object to signing)

and another 3 or 4 conditions.

It is not axa's job to become the police, and all of these conditions are just nice little waivers for them to not cover you. The one basic fundamental of insurance law that I remember from junior cert business studies is that, if you lie to the insurance company, in any way, at all. They do not have to honour your policy if they don't want to. so be careful named drivers, if you are just that then ok, but buying a car and putting your mam as the owner, and you as a named driver, but with you as the main/only real driver is not strictly legit insurance.

Sorry for the long rant. Insurance companies are profiteering poor mouthing scumbags.

Our roads are in ****e

too many people, myself included are allowed drive without full licences.

vrt is bollox

all prices quoted are third party, I was never going to claim myself anyway.

john

[edit] god that was long [/edit]

Mills

I had an accident on friday night when it started freezing, didn't realise it was freezing at all because it had been fine all night, and I hit a gentle corner at 70mph or so, lost it completely and spun round a few times before hitting the ditch and rolling over a time or two. Just been talking to the guys at the garage earlier, apparantly it's prettymuch a writeoff, not worth my while fixing it, but I don't think we'll be claiming on the insurance even so, because it'd end up costing so much more in the long run, don't know what I'm going to do.

Odian

I hit a gentle corner at 70mph or so,

lost it completely

Mills do ya think ure Micheal Shumacker?bloody dangerous driving.It accidents and bad driving like that,that make huge road death toll and high insurance!

Right, now we have got that bit outa the way!

What car was it?how much is it valued?wot insurance u have?Nathin better then a bit of speeding on country roads

Morpheus

Originally posted by Mills
I hit a gentle corner at 70mph or so, lost it completely and spun round a few times before hitting the ditch and rolling over a time or two.

where you on the motorway? speed limit 70?

If you were, then your damn lucky to be alive, and im glad your not hurt, maybe you shouldve been more aware of the conditions tho? i drive alot and its easy enough to know its freezing if you know how your car handles normally.

if you werent on the motorway, then in my opinion you're a fuc*ing idiot and deserve your bloody insurance costs.

Mine is £3700 because of young male dickh*ads who speed. Im a young male driver, and i dont act the b*llox in my car, i look after it and drive safely.

If i had met you in the field in your car and you were climbing out of it and id seen how fast u were going and what had happend, id have bet the sh*te out of you with a car jack and stuffed you back into your car before setting it alight. I hate boy racers their ALL w*nkers.

For every boy racer who drives his f*cking dumbass modded up to the geebags car at high speed and no concern for other road users this is for you.

Do us all a favor and go slit your wrists, *****RS the lot of you.

Im sorry im so hateful but if YOU were being screwed like me because these same muppets who just happen to be the same age and sex as you (altho obviously fuc*ing retarded) you'd feel as strongly.
:mad:

Morpheus

ARGH!!!!!
that rant felt good!!!

Mills

It was on an ordinary road, not a motorway, I had no idea it was freezing, it had only just started and I'd been driving all night with no grip problems at all. I was doing 70mph because it was a straight stretch of road apart from this one very slight bend, which wouldn't have been a problem if it wasn't slippy. I wouldn't consider myself a "boy racer", the car isn't modified in any way, it's not even mine, and in general I don't drive any faster than my mother or father, maybe hitting 75mph on straight stretches but taking it a lot easier through twisty areas. It won't be claimed on the insurance so it won't contribute to anyone elses high premiums.

shinobi

If i had met you in the field in your car and you were climbing out of it and id seen how fast u were going and what had happend, id have bet the sh*te out of you with a car jack and stuffed you back into your car before setting it alight.

At the same time Road rage doesn't help the matter.
It just keeps adding to the problems already there on The roads,
It was suggested on the radio one morning that if there was
a mental test performed on motorists - (As part of the driving test)
Testing their reaction to different situations and general mental
attitude towards the road and other users.
This could reduce insurance dramatically.
Or alternativly do an advanced driving course with the IAM.;)

Morpheus

ok ok ok....I did say that if it turned out you werent messing around, then thats a different story, by the way, have you a prov licence or full, cos if its prov, you shouldnt have been doing 70 on the motorway, cos youd no1 with you in the car!!

Also, i wouldnt actually beat some1 to a pulp with a carjack if they crashed, id probably call an ambulance..... then beat them to a pulp

LOL only joking.

Truth be known... im just annoyed with my insurance costs, i mean 4Gs for what? a ****ing wheelbarrow with a pissy little 1242cc engine and about 80 bhp??? i rang screw you direct sorry quinn direct this morning, and she said oh i cant give you a quote until its 21 days before your policy ends, the rates are changing, and il only get an error on the PC. (my arse, last week they said i had to wait until 30 days before the policy was up)

The F*CKING motor adds on TV that are all showing young male drivers causing the accidents dont help.

THUMP!
Young male, driving listening to that ****e unce unce unce music, car packed with more gob****es, misses a JCB and plays chicken with a truck or whatever and ends up in a wheelchair. I live in the country and dont actually rally my car around like that fool. the potholes alone would do enough damage.

CRUNCH!
Young male, plays soccer, goes for a pint or two, then flips a kerb and wall and flattens a young kid playing soccer, yet manages to scramble away from the carnage unscathed! I play soccer, drive but dont drink.

SMASH!
Young male, driving listening to that ****e unce unce unce music again, with loads of mates in car, and one not wearing a seatbelt.... guess what, THAT gob****e without the belt is a young male too, and he manages to headbutt everyone in the car, and his girlfriend twice, incidently il wager the guy who hit them in the add, is probably a young male driver too!!!
No1 gets into my car without buckling up, im not paying no stinking fine for them cos il be charged as the driver if they dont wear it, front and back.

When i tried to make a complaint that they were discriminating against people my age and sex, i was politely told that as the adds dont sell anything, i cant do anything, yeah right! that was a politely put "F*CK OFF" from AXA who have their name stuck everywhere, technically advertising their company as sponsers, is the same as selling their product!

****.:mad:

Morpheus

mid-morning (my fecking train was late) over..... Ive a lot of anger, maybe i need help:rolleyes:

what do you think about these adds tho?
and who has gotten the cheapest insurance rates yet???? come on keep to the flavor of the post... keep sticking up your insurance policies, so we can at least find out the cheapest around.

So far eaglestar direct have been my cheapest. with €3466 for my punto 01 1242cc.

NewSteelSplash

Yeah,
I'm a 19 year old male living in Leitrim and I got insured on my brand new Audi A3 1.6 litre recently.

It cost me 1900 Euros with my full licence with lombardy Insurance

Odian

A mate of mine got insured with Eagle star today
hes 17 on prov,never had one driving lesson in his life
hes driving a 91 or 92 nissan micra
he got insured for 6 months with TP,F&T for €300!!

couldnt believe it!

mike65

Originally posted by Odian
A mate of mine got insured with Eagle star today
hes 17 on prov,never had one driving lesson in his life
hes driving a 91 or 92 nissan micra
he got insured for 6 months with TP,F&T for €300!!

couldnt believe it!

I dont belive it either!

I did'nt know you could get insurance for 6 monthly periods...

Mike.

Odian

either did i but ya can get it monthly,if you want to add a person to your policy and the policy is up in two months,then you just pay fo 2 months,works out a bit more expensive

sceptre

26yo (male)

Car is a 99 Corolla Luna 1.4 (yes, yes, it has a spoiler and alloy wheels but they came with the car. If anything the spoiler is bloody annoying when reversing)

Provisional licence, driving not for very long before getting the car so about a year now
(passed test yesterday, whoopee)
£2200 3pf&t (comp was fairly hefty so didn't bother)

Insuere is AXA

Due for renewal in April so I'll be scouring around soon


Here's an odd thing though. Got my GF added as a named driver recently. Cost nothing, they even gave me money back. Even understanding the concept of actuary tables it seemed rather odd.

Morpheus

My cheapest quote is STILL 3466 Yoyos with Eaglestar.

Apparently Hibernian now have an offer of up to 20% off if u do a advanced driving course they set, and a further 10% if u agree not to dirve between 6am and 11pm??? its also now open to anyone, before it was only Hibernian customers and their families, apparently hibernian pick up the training tab too, AND get this, supply the car for the course!!

im gonna check it out, so watch this space.:D

seamus

Originally posted by Morphéus
not to dirve between 6am and 11pm??? its also now open to

Surely you mean between 11pm and 6am? No use to me. Sometimes I finish work at 12 and sometimes I start at 6.30am (leaving at 5.45). 11pm is waay to early, and time restrictions are pointless for full licence holders. :mad: