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Insurnce expires tomorrow, no way to renew until Monday

  • 14-07-2017 07:24PM
    #1
    Gentleman Off The Pitch
    Closed Accounts Posts: 603 ✭✭✭


    Hi
    I just remembered that my car insurance expires tomorrow and that my current provider sent me a letter two months ago with a very competitive quote. The problem is that there is no way to renew online with them, so I have to wait until Monday morning to call them and renew.

    Just wondering what my options are here, should I get cover online elsewhere and cancel on Monday before the end of the cooling off period? I got a quote there from 123.ie that was almost 3 times the quote I received from my existing provider!


    Thanks


«1

Comments

  • #2
    Greenmachine
    Registered Users, Registered Users 2 Posts: 5,063 ✭✭✭Greenmachine


    Options
    1. Public Transport for the weekend/Monday
    2. Rental Car
    3. Taxi
    4. Get a lift from family member/friend
    5. Find a better quote online


  • #3
    seamus
    Registered Users, Registered Users 2 Posts: 68,190 ✭✭✭✭seamus


    You can live without a car for a weekend


  • #4
    Cee-Jay-Cee
    Registered Users, Registered Users 2 Posts: 12,235 ✭✭✭✭Cee-Jay-Cee


    Look at the letter you received. Sometimes your insurance continues (especially if you pay by direct bebit) without you having to do anything and you only contact them if you are not renewing with them. I was with Allianz and that was the way they operated.


  • #5
    Gentleman Off The Pitch
    Closed Accounts Posts: 603 ✭✭✭Gentleman Off The Pitch


    seamus wrote: »
    You can live without a car for a weekend

    I had to check that I didn't post this in After Hours by mistake. Getting around is not the issue, the lack of insurance is.


  • #6
    rocky
    Registered Users, Registered Users 2 Posts: 2,986 ✭✭✭rocky


    If it was sent to you 2 months ago, I'd hope the quote is still valid. If you need to get somewhere, get someone with driving other cars extension to take you, in your car.


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  • #7
    vandriver
    Registered Users, Registered Users 2 Posts: 3,476 ✭✭✭vandriver


    Was it bank of Ireland insurance ?
    If it was,they sent you the new disc in the paperwork.


  • #8
    Donal55
    Closed Accounts Posts: 2,023 ✭✭✭Donal55


    You might want to check that letter again. I've just renewed recently and the initial quote was just valid for the month. If not renewed within that month I'd have to reapply.

    Furthermore, some companies eg the AA was only giving me a quote valid for a week.
    As another poster said it may be advisable to leave the car at home this weekend.
    The gardai may already know that your insurance has expired.


  • #9
    ytpe2r5bxkn0c1
    Closed Accounts Posts: 32,688 ✭✭✭✭ytpe2r5bxkn0c1


    Gentleman Off The Pitch wrote: »
    Getting around is not the issue, the lack of insurance is.

    They are one and the same thing.


  • #10
    Gentleman Off The Pitch
    Closed Accounts Posts: 603 ✭✭✭Gentleman Off The Pitch


    Alora Rapid Material wrote: »
    They are one and the same thing.

    Please explain


  • #11
    Cee-Jay-Cee
    Registered Users, Registered Users 2 Posts: 12,235 ✭✭✭✭Cee-Jay-Cee


    Donal55 wrote: »
    The gardai may already know that your insurance has expired.

    The garda ANPR system only flags untaxed cars, they have no access to actual insurance details other than the insurance expiry date which is gained from tax renewal forms/applications but it doesn't flag on their ANPR system.


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  • #12
    stryker mcqueen
    Registered Users, Registered Users 2 Posts: 1,294 ✭✭✭stryker mcqueen


    Most companies open on Saturdays these days


  • #13
    Gentleman Off The Pitch
    Closed Accounts Posts: 603 ✭✭✭Gentleman Off The Pitch


    Donal55 wrote: »
    You might want to check that letter again. I've just renewed recently and the initial quote was just valid for the month. If not renewed within that month I'd have to reapply.

    Furthermore, some companies eg the AA was only giving me a quote valid for a week.
    As another poster said it may be advisable to leave the car at home this weekend.
    The gardai may already know that your insurance has expired.

    The quote is valid until 12:00 tonight, after that they are not obliged to offer the same premium


  • #14
    minikin
    Registered Users, Registered Users 2 Posts: 2,983 ✭✭✭minikin


    might be worth sending them an email (quoting existing details) this evening confirming acceptance of their offer, with a query about paying... sing dumb and hope they look after you on monday.


  • #15
    Atlantic Dawn
    Registered Users, Registered Users 2 Posts: 86,415 ✭✭✭✭Atlantic Dawn
    GDY151


    On their website do they have bank account details you could pay in to using your policy number as a reference?


  • #16
    hdowney
    Registered Users, Registered Users 2 Posts: 12,921 ✭✭✭✭hdowney


    Gentleman Off The Pitch wrote: »
    Please explain

    If your car is at home and not on the road, it having or not having insurance is not a problem (I suppose it is if someone robs it/destroys it - but for the point of driving it isn't)


  • #17
    the_syco
    Registered Users, Registered Users 2 Posts: 37,316 ✭✭✭✭the_syco


    Who is the insurance with?


  • #18
    CeilingFly
    Closed Accounts Posts: 3,378 ✭✭✭CeilingFly


    Is this a wind up?

    Most insurance companies have an online renewal option, failing that they are usually available on Saturdays.

    In a worst case scenario and you can't make contact and you must use the car before Monday, you could take out new online insurance and then cancel under distance sales rules.


  • #19
    Cee-Jay-Cee
    Registered Users, Registered Users 2 Posts: 12,235 ✭✭✭✭Cee-Jay-Cee


    What insurance company are you with?


  • #20
    Gentleman Off The Pitch
    Closed Accounts Posts: 603 ✭✭✭Gentleman Off The Pitch


    hdowney wrote: »
    If your car is at home and not on the road, it having or not having insurance is not a problem (I suppose it is if someone robs it/destroys it - but for the point of driving it isn't)

    I started the thread because I am not entirely comfortable leaving a car worth thousands of euro sitting outside my house uninsured for the weekend. I would never drive uninsured and besides we have a second car in the family

    I wasn't looking for suggestions of alternative means of transport, I was hoping that if there were others that found themselves in the same boat previously that they would have some useful information to share. For example, that the policy may automatically kick in for a fixed number of days or something (since I don't pay by DD this is not likely)

    I suspect the poster whom I asked to explain what he meant, was looking for an opportunity to pontificate about driving uninsured but he was barking up the wrong tree

    The insurer is Bank of Ireland Insurance Services Limited, administered by RSA Insurance Ireland DAC


  • #21
    Cee-Jay-Cee
    Registered Users, Registered Users 2 Posts: 12,235 ✭✭✭✭Cee-Jay-Cee


    Gentleman Off The Pitch wrote: »
    I started the thread because I am not entirely comfortable leaving a car worth thousands of euro sitting outside my house uninsured for the weekend. I would never drive uninsured and besides we have a second car in the family

    I wasn't looking for suggestions of alternative means of transport, I was hoping that if there were others that found themselves in the same boat previously that they would have some useful information to share. For example, that the policy may automatically kick in for a fixed number of days or something (since I don't pay by DD this is not likely)

    I suspect the poster whom I asked to explain what he meant, was looking for an opportunity to pontificate about driving uninsured but he was barking up the wrong tree

    The insurer is Bank of Ireland Insurance Services Limited, administered by RSA Insurance Ireland DAC

    Have you checked online? You'll have a reference number which you can input on their website, there may be an option to renew online in which case you can donut before the quote expires at midnight. You'll then get a confirmation email which you can print and show to Gardai if you are stopped over the weekend.


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  • #22
    jimmycrackcorm
    Registered Users, Registered Users 2 Posts: 14,419 ✭✭✭✭jimmycrackcorm


    Gentleman Off The Pitch wrote:
    I started the thread because I am not entirely comfortable leaving a car worth thousands of euro sitting outside my house uninsured for the weekend


    Why? Is it an autonomous self driving car?


  • #23
    Gentleman Off The Pitch
    Closed Accounts Posts: 603 ✭✭✭Gentleman Off The Pitch


    Cee-Jay-Cee wrote: »
    Have you checked online? You'll have a reference number which you can input on their website, there may be an option to renew online in which case you can donut before the quote expires at midnight. You'll then get a confirmation email which you can print and show to Gardai if you are stopped over the weekend.

    I have and couldn't find such an option. I also tried renewing directly with RSA online but the form only accepts XM policy numbers and not BM as issued via BOI

    Unless I misplaced an additional page that came with my renewal letter, I have no reference number, just policy number and premium quote


  • #24
    ytpe2r5bxkn0c1
    Closed Accounts Posts: 32,688 ✭✭✭✭ytpe2r5bxkn0c1


    Gentleman Off The Pitch wrote: »
    Please explain

    ask of insurance = no getting around.


  • #25
    Gentleman Off The Pitch
    Closed Accounts Posts: 603 ✭✭✭Gentleman Off The Pitch


    Alora Rapid Material wrote: »
    ask of insurance = no getting around.

    Thanks for that


  • #26
    the_syco
    Registered Users, Registered Users 2 Posts: 37,316 ✭✭✭✭the_syco


    Gentleman Off The Pitch wrote: »
    I started the thread because I am not entirely comfortable leaving a car worth thousands of euro sitting outside my house uninsured for the weekend.
    Strange. You were told two months ago that your insurance was expiring, yet you let it expire.
    Gentleman Off The Pitch wrote: »
    The insurer is Bank of Ireland Insurance Services Limited, administered by RSA Insurance Ireland DAC
    Ring them on 0818 200 363 tomorrow between 10:00 and 14:00
    See; https://personalbanking.bankofireland.com/insure-and-protect/insurance/car-insurance/options/

    If they ask why you didn't ring today, blame your employer, and say that you were waiting to get paid.


  • #27
    punisher5112
    Registered Users, Registered Users 2 Posts: 24,619 ✭✭✭✭punisher5112


    jimmycrackcorm wrote: »
    Why? Is it an autonomous self driving car?

    Could be stolen or damaged...

    No insurance means no cover for those.


  • #28
    rubberdungeon
    Registered Users, Registered Users 2 Posts: 618 ✭✭✭rubberdungeon


    You could also try

    Tweet us @talktoBOI
    24/7 response within 15 minutes or less

    https://personalbanking.bankofireland.com/insure-and-protect/insurance/car-insurance/options/


  • #29
    Gentleman Off The Pitch
    Closed Accounts Posts: 603 ✭✭✭Gentleman Off The Pitch


    the_syco wrote: »
    Strange. You were told two months ago that your insurance was expiring, yet you let it expire.

    I'm guilty of leaving it until the last minute under the erroneous assumption that I could renew online like I do every year with other providers.

    How making this mistake somehow makes my attempts to now rectify the situation to now appear 'strange' is beyond me
    Ring them on 0818 200 363 tomorrow between 10:00 and 14:00
    See; https://personalbanking.bankofireland.com/insure-and-protect/insurance/car-insurance/options/

    If they ask why you didn't ring today, blame your employer, and say that you were waiting to get paid.

    Thanks, that's a different number to the one I was provided with, I'll try in the morning


  • #30
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,979 Mod ✭✭✭✭Henry Ford III


    Best of luck OP. Don't leave it so late next time!


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  • #31
    sellasheep
    Banned (with Prison Access) Posts: 231 ✭✭sellasheep


    Forgetting to renew your insurance is baffling.


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