9935452 wrote: » I have to laugh at fbd. I had 4 policys with them . They wanted 1000 up 300 from the previous year. The best they could do was give 5 percent off which was the online discount. I got better cover with bank of ireland for 540. Fbd wouldnt budge . 3 out of 4 policys are moved on now
johndaman66 wrote: » In fact they are more likely to royally fleece you for being a loyal and good customer.
cefh17 wrote: » Your Age: 24 Car type and engine: 2010 VW Jetta 1.6 Years driving: 6 Any claims: None Price and provider: Kennco, €1,025
johndaman66 wrote: » 9935452 wrote: » I have to laugh at fbd. I had 4 policys with them . They wanted 1000 up 300 from the previous year. The best they could do was give 5 percent off which was the online discount. I got better cover with bank of ireland for 540. Fbd wouldnt budge . 3 out of 4 policys are moved on now Would that possibly be because your car went to being over 10 years old since last renewal? FBD will not quote for new business if the car is over 10 years old (or at least that was the case the last time I tried them a few years back). It doesn't really matter if you have a full NCB, no accidents, claims, convictions, penalty points etc. - more a case that either computer says yes or computer says no. While they have to quote you if you are already insured with them and your car goes over 10 years old I can only imagine they will up the premium considerably. A bit surprised that they wouldn't budge anymore than 5% discount when you had so much business with them but they certainly wouldn't have being going matching the €540 anyway. And then again I have found out that customer loyalty means nada when it comes to motor insurance anyway. In fact they are more likely to royally fleece you for being a loyal and good customer.
9935452 wrote: » Then i got a load of drivel about their level of cover and how it was in most cases a higher level than others. She went on and on about the level of cover.
Eggs For Dinner wrote: » 9935452 wrote: » Then i got a load of drivel about their level of cover and how it was in most cases a higher level than others. She went on and on about the level of cover. At least she was professional enough to explain the level of cover. I'll guarantee that many people take the lowest figure quoted to them not realising key aspects of cover have been removed or restricted
9935452 wrote: » She explained it about 5 times like i was an infant though. . I was also going through a house policy with her too and asked her if my gsd dog was covered under the policy if he caused an accident . Ie they would pay out to fix someones car if they hit him or they had injuries as a result . She admitted that as a dangerous breed he had no cover at all under the house policy but i had public liability to 2.5 million Asked again so we are covered if he causes an accident ? No you are not but you have public liability to 2.5 million. This was repeated a few times. That was the end of the house policy with them
Eggs For Dinner wrote: » 9935452 wrote: » She explained it about 5 times like i was an infant though. . I was also going through a house policy with her too and asked her if my gsd dog was covered under the policy if he caused an accident . Ie they would pay out to fix someones car if they hit him or they had injuries as a result . She admitted that as a dangerous breed he had no cover at all under the house policy but i had public liability to 2.5 million Asked again so we are covered if he causes an accident ? No you are not but you have public liability to 2.5 million. This was repeated a few times. That was the end of the house policy with them So she told she explained that you have public liability, but dogs outlined in the Control of Dogs Regulations are excluded, as with other insurers. Where did you get that cover do you mind me asking?
9935452 wrote: » Thats exactly it . I went with alliance. About 170 for the year. Thats including vets fees public liability and other stuff. Still has to be muzzled in public and under control. But definately covered under the policy. It would have 330 if he was pure bred.
Eggs For Dinner wrote: » At least she was professional enough to explain the level of cover. I'll guarantee that many people take the lowest figure quoted to them not realising key aspects of cover have been removed or restricted
Eggs For Dinner wrote: » 9935452 wrote: » Thats exactly it . I went with alliance. About 170 for the year. Thats including vets fees public liability and other stuff. Still has to be muzzled in public and under control. But definately covered under the policy. It would have 330 if he was pure bred. So you swapped a household policy for pet insurance?
9935452 wrote: » Ahh no . Swapped the house policy to bank of ireland and took out a separate policy with alliance for pet insurance .
Eggs For Dinner wrote: » Cheers. Better to have a separate pet insurance policy alright, as all insurers usually exclude liability for dogs which are the subject of the Control of Dogs Act
9935452 wrote: » Any idea why ?
grogi wrote: » For exactly same reason that people working in motor trade won't get cover on 'driving other cars'. Too much risk for the Insurer.
Ciccina wrote: » Hi all, I am about to renew my policy from last year when I moved to ROI. I was searching through Chill and actually my current insurer Liberty was more expensive than Sertus. Does anybody know how reliable Sertus is? I thought Liberty was quite fine but now it's almost €150 more expensive and we want to buy a second car. Any feedback is appreciated. Thanks!
punisher5112 wrote: » I'm insured since 2001 to last night.
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