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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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[Deleted User]

Noccy_Mondy wrote: »

Hi folks,

Is there any glue that could work for a headlight? Have a tiny crack along the top of one of the headlights and it's allowing a load of moisture in when it's wet. Clouds up the whole unit

If you can get your hands on Mitre Fast you'll be laughing. We have a local hire company here called Ace Hire and you can buy it off them for a tenner.

It's glue that gives you 10 seconds after you spray the activator, and then it just solidifies (or plasticises which i think is the correct term). It's the strongest glue I've ever come across, and I'm confident it'd work for that.

Failing that, you could silicone it, but that'd be messier looking, I reckon.

wotzgoingon

Ciano35 wrote: »

Were you ever questioned on it when getting quotes in the years after?

No. But as bazz said it could be different now. But sure if you are questioned just tell them the truth your current insurer would not quote on the car so I changed to another. It would be more common than you think people doing that.

Ciano35

wotzgoingon wrote: »

Done it about 14 or 15 years ago. Didn't have any issues.

Were you ever questioned on it when getting quotes in the years after?

Ciano35

bazz26 wrote: »

Did the other company take into account that the loss of your 12 months NCB? They can be very sticky on gaps between policies especially around cancellations. The initial quote might not consider this but when you go to take out the policy they might inquire further. They might have you jumping through hoops with your last insurance company to provide a reason why your current policy was cancelled mid term.

It’s actually through the same broker, but they’re getting the new quote from a different company. I’m thinking it’ll end up being more hassle than it’s worth alright, knowing the industry in this country.

bazz26

That's a long time when it comes to insurance companies and them moving goal posts.

wotzgoingon

bazz26 wrote: »

Did the other company take into account that the loss of your 12 months NCB? They can be very sticky on gaps between policies especially around cancellations. The initial quote might not consider this but when you go to take out the policy they might inquire further. They might have you jumping through hoops with your last insurance company to provide a reason why your current policy was cancelled mid term.

Done it about 14 or 15 years ago. Didn't have any issues.

punisher5112

PsychoPete wrote: »

1.6 on the book lad!

That and is classed as a retired pilot....

bazz26

colm_mcm wrote: »

How in the Jaysus

I got a quote of under €500 on a GTi PP last year, renewed the 530d for €700, some quoted over 1k.

bazz26

Ciano35 wrote: »

Also speaking of insurance, are there any negative things to consider if I want to cancel a policy 3 months before expiry and start a new one? Apart from the loss of a years no claims and money. Reason being current insurer won’t swap my policy onto another car, but another company will quote me on it. I feel like companies here will use it as a reason to quote me higher premiums in the future.

Did the other company take into account that the loss of your 12 months NCB? They can be very sticky on gaps between policies especially around cancellations. The initial quote might not consider this but when you go to take out the policy they might inquire further. They might have you jumping through hoops with your last insurance company to provide a reason why your current policy was cancelled mid term.

PsychoPete

colm_mcm wrote: »

How in the Jaysus

1.6 on the book lad!

Leonard Hofstadter

hooch-85 wrote: »

I insured my Golf R for €455. Was happy out with that! Never had insurance on a car before that was cheaper than the tax

Been that way for me for the past two years:pac:, though I suppose the car is €1080 to tax, so probably easier for me to achieve this feat than for most people:pac:!

colm_mcm

hooch-85 wrote: »

I insured my Golf R for €455. Was happy out with that! Never had insurance on a car before that was cheaper than the tax

How in the Jaysus

Ciano35

Also speaking of insurance, are there any negative things to consider if I want to cancel a policy 3 months before expiry and start a new one? Apart from the loss of a years no claims and money. Reason being current insurer won’t swap my policy onto another car, but another company will quote me on it. I feel like companies here will use it as a reason to quote me higher premiums in the future.

hooch-85

I insured my Golf R for €455. Was happy out with that! Never had insurance on a car before that was cheaper than the tax

L-M

bazz26 wrote: »

That drives me nuts, why don't they give their lowest or close to lowest price (to allow for a bit of haggling) in the first place? They practice dual pricing in the hope that people will just auto renew.

Fairly sure they openly admit there are X percent of certain demographics that as you say don’t price around and just auto renew. Pretty scummy

Wailin

This is what lockdown does :pac:
Messing around in photoshop fantasizing about driving the car :cool:

colm_mcm

Is that a teacher thing? I’m paying more than that and I’m 38.

Noccy_Mondy

CIP4 wrote: »

That’s a good price so it seems. Back when I had my A4 I got insurance for €640 which was the cheapest I ever paid granted I am not far off that now.

Ya very good, now I might have to pay a little extra to get tp extension but I think with it, it's still 606. Not complaining!!

Wailin

Just had another quote of €620 compared to my current insurers quote of €903. They really must not want my business anymore.

CIP4

Noccy_Mondy wrote: »

Yes and yes!

That’s a good price so it seems. Back when I had my A4 I got insurance for €640 which was the cheapest I ever paid granted I am not far off that now.

Noccy_Mondy

CIP4 wrote: »

Are you under 25 ? Was that on the Golf ?

Yes and yes!

CIP4

Noccy_Mondy wrote: »

On the insurance topic mine is up for renewal next week. Was 1050 last year, got in down to 536 today! Literally halved. Very surprised, and I'm still a "high risk" young category

Are you under 25 ? Was that on the Golf ?

Noccy_Mondy

On the insurance topic mine is up for renewal next week. Was 1050 last year, got in down to 536 today! Literally halved. Very surprised, and I'm still a "high risk" young category

Noccy_Mondy

Hi folks,

Is there any glue that could work for a headlight? Have a tiny crack along the top of one of the headlights and it's allowing a load of moisture in when it's wet. Clouds up the whole unit

CIP4

Got a call from Aviva today wondering about renewing my policy as it is up in 2 days. Infairness they were grand I just told them I went elsewhere as it was cheaper and the only thing they asked me was who I went with that was it.

What I find with car insurance it’s like a lot of other business. Whenever I get quotes with a lot of companies you see a pattern the vast majority of companies will price around the same that’s what you could consider the actual cost for your situation. Then you will get one or two companies price high sometimes outrageous high as they simply don’t want your business as maybe the bracket you are falling into has a high claim rate for them at the minute or they just are selling plenty of policies already.

Then you get the one or two companies that completely undercut everyone. Which more than likely the reason they price so low is not because they see you as lower risk than the other companies but because at that time they simply need to sell policies to take in money. Every business needs cash flow on the good months they will raise the quotes a bit on the bad months they will drop them. They are trying to average out their workload.

bazz26

Wailin wrote: »

First place I tried after getting the letter was Aviva and €730. I've always had this with fbd and when I ring them they do bring it down close to the lowest quote I've gotten elsewhere. But I doubt they can match the above or even close to it.

That drives me nuts, why don't they give their lowest or close to lowest price (to allow for a bit of haggling) in the first place? They practice dual pricing in the hope that people will just auto renew.

corks finest

Wailin wrote: »

Insurance renewal in the post this morning, €903 ffs. Up again from last year for no reason whatsoever.So much for covid reductions considering the car is hardly driven.

This is with FBD, whom I'm with a few years now so no loyalty bonus either by the looks of it. ****!

Just renewed ,was with liberty, quotes went from e994-e364. Crazy makes no sense whatsoever, quote devil got me the cheapest via Zurich

60,full NCB , no accident/ windscreen/ points etc etc
1.3 no modifications

Wailin

bazz26 wrote: »

Insurance companies rarely reward loyalty. They also tend to practice dual pricing when it comes to renewal quotes versus new quotes. As pain staking as it can be, shopping around is probably a good way of killing a few hours as well as saving a few quid at the moment.

First place I tried after getting the letter was Aviva and €730. I've always had this with fbd and when I ring them they do bring it down close to the lowest quote I've gotten elsewhere. But I doubt they can match the above or even close to it.

[Deleted User]

CIP4 wrote: »

Seems the car insurance refunds will come in around the €30 mark...........

We are only a month into it really.
Folk still have their car insured and most are still using it to an extent. Anyone expecting much more was delirious with something.

bazz26

Insurance companies rarely reward loyalty. They also tend to practice dual pricing when it comes to renewal quotes versus new quotes. As pain staking as it can be, shopping around is probably a good way of killing a few hours as well as saving a few quid at the moment.