Sue Pa Key Pa wrote: » Insurance Ireland will guarantee that anyone with an appropriate licence will obtain cover, providing it is not against the public interest
Henry Ford III wrote: » It's crazy to suggest anyone is guaranteed to obtain insurance just because they want it.
An open obligatory 3rd party insurance scheme (such as exists in Poland no doubt) wouldn't work here. We have high and expensive claims, court awards, and legal costs here. They'd all need to be cut dramatically. The courts system would need to be changed and the legal profession relieved of one of it's main sources of income. Forget about it.
Henry Ford III wrote: » An open obligatory 3rd party insurance scheme (such as exists in Poland no doubt) wouldn't work here. We have high and expensive claims, court awards, and legal costs here. They'd all need to be cut dramatically. The courts system would need to be changed and the legal profession relieved of one of it's main sources of income. Forget about it.
rex-x wrote: » Not in the case of being declined due to modifications.
Sue Pa Key Pa wrote: » If the car is street legal (not against the public interest), you will secure cover. To be clear, I'm not talking about getting an alternative or competitive quote if you already have an insurer
rex-x wrote: » My insurer denied my a renewal and I rang them asking for advice about the 3 refusals and was told they do not help in the situation where the car is modified. You can ring and ask yourself
mikeecho wrote: » Car manufacturers lie about mpg, 0-60, co2, etc etc. So by remapping, I'm probably only making it do what they advertise in the glossy brochure
grogi wrote: » Two wrongs don't make it right though.
mikeecho wrote: » But one remap makes everything better
Sue Pa Key Pa wrote: » If the vehicle is street legal and you have a valid licence to drive it, your current insurer is obliged to offer you 3rd party cover. They have tried to deter you but they have to do it. Persevere.
rex-x wrote: » Persevere to who? Ombudsman wasn't interested and declined cases committee said they do not help with such cases. Where do you go?
Sue Pa Key Pa wrote: » Firstly, I know very little about cars. If your modifications meant the car was not street legal, you have nowhere to appeal. Declined Cases Committee only assist those who can't obtain any policy, you had an insurer. Very surprised the Ombudsman turned you away. Is there more to your circumstances other than a modified car?
rex-x wrote: » There is nothing that make the car any way illegal or unsafe. They said they more deal with cases relating to previous drink drivers etc not someone who can't get insured on a specific car. Nothing odd about my circumstances, Irish, full licence 10 years no claims etc no points or convictions etc etc By all means ring them and try to obtain a quote yourself on a fictional car.
gonko wrote: » This thread is gas. It is only a little remap on some diesel presumably. All you guys on about declaring this to an insurer so they can screw the poor guy even more. To hell with that. Say nothing OP. Remap the car and say nothing to insurance. They get enough off us. A remap will shorten components life like injectors (if a TDI type.
gonko wrote: » This thread is gas. It is only a little remap on some diesel presumably. All you guys on about declaring this to an insurer so they can screw the poor guy even more. To hell with that. Say nothing OP. Remap the car and say nothing to insurance. They get enough off us. A remap will shorten components life like injectors (if a TDI type engine). My insurance company wanted to charge me more for a brake system upgrade on my Integra before. I told them I removed the upgrade and no longer needed the added cover, so the car was declared standard. Maybe it was standard for a race car lol. But look, as long as your not changing the engine or adding turbo's etc your grand.
