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* Motors chat - round 12 *

[Deleted User]

This thread is for motoring topics which you feel are not worthy of starting a new thread for, banter from a meet or general motoring related chit chat.

Keep it clean, be nice and helpful.

Motors charter applies.

Round 11 is HERE

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Sexual Chocolate

CIP4 wrote: »

AXA €692 that is only the second company I have tried. The cheapest insurance I ever had was on my A4 B9 at €650. But at 25 on a Golf GTI €692 is not bad at all.

Plus they offer comprehensive cover on driving other cars for only 37 euro extra which seems like a no brainer will try another few places though. Off work tomorrow so have time to search properly.

That's really good, I'd be shocked if you did better. I'm a year older than you and paying 675 on the 320d.

ELM327

You must be getting old!

Midnight_EG

123.ie, €672 fully comp on the Scooby and I'm in Tallaght

CIP4

CIP4 wrote: »

Ironically woke up to similar I got an email with my renewal €1070 this morning I was expecting about €900. Will shop around should definitely be able to get it down a bit from that anyway.

I got an email during the week saying liberty were doing 20% off all policies this week only.

AXA €692 that is only the second company I have tried. The cheapest insurance I ever had was on my A4 B9 at €650. But at 25 on a Golf GTI €692 is not bad at all.

Plus they offer comprehensive cover on driving other cars for only 37 euro extra which seems like a no brainer will try another few places though. Off work tomorrow so have time to search properly.

ELM327

Ciano35 wrote: »

Anybody here VRT a car where they had to manually assess the omsp? How long did it take for them to get back to you?

Yes
Model S

Took them about 2 weeks to get back, you'll get a phone call with the amount

Ciano35

Anybody here VRT a car where they had to manually assess the omsp? How long did it take for them to get back to you?

[Deleted User]

OSI wrote: »

45% seems like a very high number for GFMV, most I've seen are around 33% or less.

Apologies............ when I was looking at PCP 4 years ago they were about that........
Car RRP GFMP %
BMW 330e M Sport €53,550 €24,243 45
A4 2.0TDI 150 ULTRA €39,600 €17,825 45
A6 2.0TDI 150 SE €45,350 €20,025 44
BMW 420i SE Gran Coupe €45,350 €21,006 46

That said I dunno how many PCPs are under 33%?

A quick look at skoda shows.......for a 2.0TDi Superb

RECOMMENDED RETAIL PRICE
€33,960.00
DEPOSIT PERCENTAGE
30%
DEPOSIT
€10,188.00
AMOUNT FINANCED
€23,772.00
PERIOD (MONTHS)
36 Months
ANNUAL MILEAGE ('000S)
20km
FINAL PAYMENT
€13,924.00
36 MONTHLY PAYMENTS OF
€273.55 ........... that's 41% GFMV.

[Deleted User]

Manic Moran wrote: »

Out of interest, since it's coming up on another thread, is there a difference between PCP and a lease? I don't hear the latter being talked about much on here, but the wiki page indicates that the purchase at the end is mandatory whilst a lease here in the US allows you to just walk away at the end of the lease period if you don't want to buy at residual cost. If so, is there a reason why leasing has not taken off in Ireland?...........

In Ireland leases are only for companies, a private individual can't lease a car. If a company does the lease payment typically included tyres, servicing and motor tax etc for the lease fee. The thing can be bought at the end of lease if you want I think.

Hyundai have the detail on their site...... https://www.hyundai.ie/fleet

A Tuscan is €33,245 RRP, leasing over 48 Months is €435/month ex VAT.
So €25k to lease a €33k car ....... based on 15,000 KM per annum.

"WHY CHOOSE HYUNDAI LEASING?
Eliminate all the financial and residual risks of disposing of your vehicles at the end of your chosen term and avail of off-balance sheet funding, improving your balance sheet ratios. Rentals can be offset against profits and you can reclaim 20% of the VAT on the finance rental of Passenger vehicles, and 100% of the VAT on maintenance"

If the thing was financed it would be €800/month over 60 months hire purchase so there's merit in business leasing.

PCP is for private individuals, a deposit and a monthly payment over 3 years and approx 55% of the car is then paid off, you can walk away carless or pay the 45% ish ballon payment or trade in for a new one whereby there might well be equity in the trade in to cover the deposit of the new yoke.

James Bond Junior

Manic Moran wrote: »

Out of interest, since it's coming up on another thread, is there a difference between PCP and a lease? I don't hear the latter being talked about much on here, but the wiki page indicates that the purchase at the end is mandatory whilst a lease here in the US allows you to just walk away at the end of the lease period if you don't want to buy at residual cost. If so, is there a reason why leasing has not taken off in Ireland?

If it makes you guys feel less hard-done by, my insurance here in Texas is over $1,500 for the year on the 2015 BMW 550. Even the 15-year-old S4 is $900. My insurance shot up compared to California (I think the hailstorms are the main reason). On the other hand, I pay $52.50/year on tax, so it's not all hard-done by.

My comprehensive insurance on my 5.7 V8 Jeep is about €240 and no tax here in Oman. Parts are stupid expensive though, I had a tip almost 2 weeks ago and there has been no work done as they can't get parts for about a month. Swings and roundabouts.

Manic Moran

Out of interest, since it's coming up on another thread, is there a difference between PCP and a lease? I don't hear the latter being talked about much on here, but the wiki page indicates that the purchase at the end is mandatory whilst a lease here in the US allows you to just walk away at the end of the lease period if you don't want to buy at residual cost. If so, is there a reason why leasing has not taken off in Ireland?

If it makes you guys feel less hard-done by, my insurance here in Texas is over $1,500 for the year on the 2015 BMW 550. Even the 15-year-old S4 is $900. My insurance shot up compared to California (I think the hailstorms are the main reason). On the other hand, I pay $52.50/year on tax, so it's not all hard-done by.

[Deleted User]

ShadowHearth wrote: »

I am 34, 16 years license, 9 years NCB and not a single point or claim!
...........

It's was AXA through broker and they sent out NCB cert with only 1 NCB! No sign of others. Do I need now to find letters of all my NCBs from previous years or I need contact my broker and ask cert with all my NCBs?

Yup, the NCB should detail total years, the 1 year detailed is just for that period with the insurer, very, very sloppy of them to do that.

ShadowHearth

hooch-85 wrote: »

All companies as far as I know. You can still declare the amount of years no claims you have, if that option is available, a lot of online systems go to 1-5 and 5+ on NCB drop down option but some let you select up to 10 years.

Aye, that's why I am asking, chill.ie has 9++ years as option, but how do I prove it if I get just that cert. And something tells me, that's the only letter I can get.
I haven't switched policies in about 4 years as my broker would always come best. So a bit Rusty.

Thanks by the way for info.

hooch-85

All companies as far as I know. You can still declare the amount of years no claims you have, if that option is available, a lot of online systems go to 1-5 and 5+ on NCB drop down option but some let you select up to 10 years.

ShadowHearth

hooch-85 wrote: »

Once you are up to the max discount on the scale (5+ years) it doesn't matter if you have 9 years or 5 they apply the same discount.

Applies to all companies or only AXA?

hooch-85

Once you are up to the max discount on the scale (5+ years) it doesn't matter if you have 9 years or 5 they apply the same discount.

ShadowHearth

hooch-85 wrote: »

I do live in a very rural location so that helps.

I was with Axa too, it should show the scale of your discount i.e. 5 years plus is 50 (%).

It might say 1 year on your cert, but that's generally the numbers of years claim free on that policy, so if you only moved to them last year then it would be one year.

Yeah, they have that scale up to 60%, but they giving me only 50% discount on policy itself and there is no indication anywhere on cert that it's 9 NCB. On all the other renewal pages it states 9NCB. Do I need after all contact broker and ask proper NCB cert from them?

Tazzimus

I'm currently doing the renewal trawl as well, such a pain in the hole. I've already got one quote nearly €100 cheaper and that was my first try.

@Shadowhearth you need to contact the broker and ask for your correct NCB doc, they clearly ****ed that up.

hooch-85

I do live in a very rural location so that helps.

I was with Axa too, it should show the scale of your discount i.e. 5 years plus is 50 (%).

It might say 1 year on your cert, but that's generally the numbers of years claim free on that policy, so if you only moved to them last year then it would be one year.

ShadowHearth

hooch-85 wrote: »

Try An Post insurance, if you have more than 5 years no claims they offer 75% discount. I got insurance for the Golf R for €455 with all the benefits i had from my current insurer who wanted €960. Ironically it's the cheapest car i've ever insured. I know everyone's circumstances are different but they are definitely worth trying.

I'm 34, work in Financial Services, full license 13 years, NCB 7+ years, no points and my wife is included on my policy.

I am 34, 16 years license, 9 years NCB and not a single point or claim!
What works against me is I live in Limerick and insurance companies see Limerick as Gas Town from Mad Max! Add me being a Chef, which ofc means I am alcoholic and insurance companies treat me like ****.

It's was AXA through broker and they sent out NCB cert with only 1 NCB! No sign of others. Do I need now to find letters of all my NCBs from previous years or I need contact my broker and ask cert with all my NCBs?

hooch-85

Try An Post insurance, if you have more than 5 years no claims they offer 75% discount. I got insurance for the Golf R for €455 with all the benefits i had from my current insurer who wanted €960. Ironically it's the cheapest car i've ever insured. I know everyone's circumstances are different but they are definitely worth trying.

I'm 34, work in Financial Services, full license 13 years, NCB 7+ years, no points and my wife is included on my policy.

CIP4

ShadowHearth wrote: »

Well F me sideways, I just had a great start today.... Postman woke me up with big fat letter. It's my insurance renewal. It went from 1000eu to 1138eu! I wonder how they spinning ****y excuse this time?

I did not even had coffee yet...

Ironically woke up to similar I got an email with my renewal €1070 this morning I was expecting about €900. Will shop around should definitely be able to get it down a bit from that anyway.

I got an email during the week saying liberty were doing 20% off all policies this week only.

Thanks all for feedback on the brakes checked wheel nuts and all the basics last night all good. Discs look in ok condition pads are a bit worn but still plenty of material on them. Will see what the garage say.

Austmcc

ShadowHearth wrote: »

Well F me sideways, I just had a great start today.... Postman woke me up with big fat letter. It's my insurance renewal. It went from 1000eu to 1138eu! I wonder how they spinning ****y excuse this time?

I did not even had coffee yet...

Don't even...

Mine is due soon too. It's all gone up and others still won't touch the car and me cause I'm under 30. The cheapest insurance I ever paid was in my very first year under my own name. This experience (NCB) I'm having is costing me money!

* I know the car gets older, blah blah blah, and I then upgraded the car etc etc. I'm just having a rant.

ShadowHearth

Well F me sideways, I just had a great start today.... Postman woke me up with big fat letter. It's my insurance renewal. It went from 1000eu to 1138eu! I wonder how they spinning ****y excuse this time?

I did not even had coffee yet...

[Deleted User]

Paid with a bank draft many years ago when I bought from main dealer.

Prepaid too so no issue there.

But as others have said. Ask the dealer

bazz26

Western Union....

Seriously though, ask the dealer what way they are accepting payment under current circumstances.

Old diesel

Thank you guys.

colm_mcm

I forgot you do Nissan, slightly older customer

CianRyan

I think there's so few around that no ones bothered to make duds. :pac:

Could be a generation thing, saw a lot of them in Dundrum before it closed and a high percentage of "cash" buyers were well beyond retirement age.

Don't see any sales action in Belgard as the sale and service are about 1km apart.

[Deleted User]

I used a credit card to buy my Mazda6 MPS all those years ago :pac:

colm_mcm

Wow, I’ve never heard of people using them to buy cars. Would be harder to identify a dud than a bank draft?