the14thwarrior wrote: » i had to leave my car in for repair, and the mechanic had a car to lend me. i called the insurance company to change the insurance for a day ( i needed to get home, drive to a furnural and to work next mornining). they charged me 30.00 euro to change it for 24 hours.
Special Circumstances wrote: » Head on over to the insurance sub forum in motoring to talk to real life insurance employees. Don't expect any real answers* but if you have a humiliation kink then knock yourself out... it's pretty much wall to wall "you dirty scummy scammer you deserve to have your wallet emptied you worthless pos. Beg me to insure you, you worm". *but sure there's no harm in asking is there?
Ulysses Gaze wrote: » Judging from your comments, that sounds about as enticing a suggestion as getting an enema.
Dr Crayfish wrote: » Do most of us (city dwellers anyway) really need cars or are they a convenience or things of leisure? I've managed my whole life without owning one and cycle to work every year. I can borrow my parents one at weekends etc when I need it though, somehow my insurance is only €50 a year when I'm put on their insurance. Otherwise I don't think I could ever face handing all that money over to insurance companies. Are the judges and claim culture in this county to blame though for the massive payouts these companies have to cover?
bear1 wrote: » I once had a volvo s40 diesel.. 01. Paid I think 600e one year fully comp which I paid ASAP. The following year it went up to 1200e Rang them up asking wtf and I **** you not but the woman said it was a high powered car hence the increase. It had 115 bhp. Until the government get off their holes and actually force insurance companies to explain why they are no longer insuring cars over 15 years old and to show how the fook they calculate premiums then we are all going to get fleeced on a yearly basis. Bad enough motor tax being extortionate.
suicide_circus wrote: » Basically the insurance companies need to keep enough money in the bank to cover the worst case scenario in claims for all their policy holders. Whiplash injuries can be awarded anything from 12k to 77k and this vast disparity and uncertainty of awards means insurers have to maintain an unnaturally large pot of money. Add in an all pervading culture in Ireland in which everyone rips everyone else off in almost every walk of life and you've got expensive insurance.
suicide_circus wrote: » ^^^^ can't both be true? Insurance companies are bloodsucking bastards who use any excuse to jack up the premiums. But also the environment in which they do business in unpredictable and they have very strong regulations imposed on the amount of cash they need to sit on as well as paying for Setanta and uninsured drivers. Meanwhile a lot of Irish people see being in a fender bender as equivalent to getting 5 numbers on the lottery and there are literally gangs of people committing systematic insurance fraud.
Dr Crayfish wrote: » Do most of us (city dwellers anyway) really need cars or are they a convenience or things of leisure? I've managed my whole life without owning one and cycle to work every day. Unless you need one 100% I would try to avoid ownership. Constant hole in your pocket. I can borrow my parents one at weekends etc when I need it though, somehow my insurance is only €50 a year when I'm put on their insurance. Otherwise I don't think I could ever face handing all that money over to insurance companies. Are the judges and claim culture in this county to blame though for the massive payouts these companies have to cover?
jacksie66 wrote: » So my own car decided to start dying on me last week. It's a 03 Opel Vectra GTS 1.8. I'm paying Allianz 1500 a year to drive the thing as I need a car for work. 29 and a full license since 2006 but there you go. Anyways I went to Cork yesterday to pick up a new car I bought. Tis a 03 Vectra GTS pretty much exactly the same as my old one. The only difference was the colour and the much lower milage. Same car, year, engine, everything. When I was there I rang the insurance company to change over the insurance, thinking because it's the exact same car it'd be a straight swap. But nooooo. I had to pay 90 euro because my old car was a GTS sport and my new one was a GTS Elegance. So I was charged more for different spec, even though both cars are identical. You'd say something if it had a higher bhp or something but the differences are only cosmetic. What is it with insurance companies in this country fleecing us?
idnkph wrote: » It's laughable the way the insurance companies put all the blame for the rising costs on insurance fraudsters.... they are right. The legal fees that are being charged are pure fraud by the legal sector but because the word legal is in front of fees this makes it OK to extort money from the said companies and just make the rest of us ejits pay for it.
whisky_galore wrote: » If you're a city dweller, single or a couple with no kids, with access to decent public transport, well then yes fine. Beyond that, people are more or less forced to get one.
Ferrari3600 wrote: » Shop around. Try Axa for starters. Anecdotally, they seem to be omparatively competitive compared to some of the other larger insurers.
K.Flyer wrote: » They quoted me twice the price of my best quote when I was renewing one of my policies last year. 1100 compared to 520. Laughed at them.
Wibbs wrote: » This 10 year old rule brought in also makes a farce of the NCT. Government passes car as roadworthy, insurance companies won't insure said car(or take you from behind dry with the increased premium). That insurance companies stats on cars are private when the need for insurance is a legal requirement is beyond farce at this stage.
