galwaytt wrote: » Age: 53 NCB: 10+ years (actually, 33 years - never had a car claim ever) License: Full Irish 32 years Car: 2006 Clio 1.2 Monaco Cover: Comprehensive Insurer: Chill.ie Offer: € 2500 :eek::eek: I just checked the NCT on my car, to see how many miles I did in 12 months: 2,400 miles. Somebody is pulling the Pi$$ at the pricing above.
Eggs For Dinner wrote: » The insurer is obviously saying "go away, we don't want your profile at any price".
galwaytt wrote: » Indeed, I must the motoring equivalent of the Plague, what with my wanton carefulness.... :pac: :pac: If the age of the car trumps all, why does my driving record matter at all ? If, otoh, your driving record tells you about my (likely) risk, then why does the age of the car matter at all ? It's simply ludicrous. I went online and got a quote for the same scenario in the UK, as a yardstick : £ 204.70 full Comp.
blade1 wrote: » Just spotted this. €50 renewal fee! Christ that's a good one. Can't really complain though as they've given me a great price for fully comp. 2 years in a row.
Irish_peppa wrote: » galwat TT was that a new insurance quote from chill or was that a renewal? If renewal how much was it last year?
galwaytt wrote: » Indeed, I must be the motoring equivalent of the Plague, what with my wanton carefulness.... :pac: :pac: If the age of the car trumps all, why does my driving record matter at all ? If, otoh, your driving record tells you about my (likely) risk, then why does the age of the car matter at all ? It's simply ludicrous. I went online and got a quote for the same scenario in the UK, as a yardstick : £ 204.70 full Comp.
Eggs For Dinner wrote: » It's nothing personal and you, as an individual, appear to be the ideal risk. However, other clients on their books with the same profile must have cost them dearly. Insurers are happy to throw the baby out with the bath water, if that group as a whole is losing them money over a period of time
galwaytt wrote: » Well thats just it, it should be personal. Half your time doing a quote is after all, inputting your - personal - information.
Eggs For Dinner wrote: » You put all your information in and insurers allocate you in to a box with everyone with a similar profile. In that box a few (or many) other occupants are causing problems. The box gets closed. No individual can be assessed in isolation. Its about pooling of risk.
galwaytt wrote: » kinda reinforces my argument methinks : TheJournal.ie: Irish regulator finds 'majority' of home and car insurers charged different prices to customers with similar risk.https://www.thejournal.ie/insurance-industry-differential-pricing-5199871-Sep2020/
Eggs For Dinner wrote: » So you think it would be. better for the consumer if all insurers came together and agreed on the same pricing for similar risks??? We could call this group, I dunno, Cartel. Sounds good to me.
galwaytt wrote: » What, you think there isn't one already ??
Eggs For Dinner wrote: » You linked an article saying insurers quoted different prices for the same/similar risk, now you're suggesting there is a cartel. Which one is it?
galwaytt wrote: » The EU commission is investigating because of Ins co behaviour here, which seems collusory in terms of how they arrive at and treat their customers : ergo: Cartel.
job seeker wrote: » Only getting to this now. I renewed this on the 10th of October. I stayed with whoops insurance for obvious reasons, details below. Gender: MaleAge: 25Location: SligoCar: 07 Honda Civic 1.4 petrolDeclared Mods: None: Standard carNCD: 7 yearsClaims: NoneLicence: Full 5 yearsPoints: NoneRenewal: €500 - Third party F & T and step back cover. I thought this was a great quote so I didn’t shop around. ————Best quote: €500 liberty insurance, through McSharry Foley broker.(whoops insurance) Ould pair on the policy as named drivers: Mother - 3 points/no claims Father - 0 points/no claimsCover: Thrid party F&T, Step back protection and added windscreen cover for €15 (Windscreen cover 15 euro less than last year.)renewal €515
DaveyDave wrote: » 28, 3 years NCB, 4 years driving. 2 named drivers, 1 full NCB, 1 provisional. 1.0 110hp Golf Mk7.5. €768 down from €1,067 with Liberty with multi policy discount. Now that I have 3 years NCB I will have more options so it will be worth shopping around, but I'm quite happy with that price.
ILikeBoats wrote: » Age: 37 Sex: Male Car: 2016 VW Golf GTI PP Licence: 20 years NCD: 7 years Claims: 0 Points: 0 Currently with AIG, paid 490 last year with full no claims protection All fully comp AIG - 481 renewal, got down to 457 when I rang. Disappointed with that. Was actually 397 when I go in as new customer so considered that 25 Plus - 409 standard/457 extra (but they were classifying it as a Golf R as it's the same insurance group, not so sure about that) An Post 450 (Again classifying it as a Golf R) Aviva - 466 AXA - 772 (always been very high, don't know how they get business) FBD - 549 AA - 456 123.ie - 471 AA rang me a day later and got it down to 404, but they'd reduce it to 350 if I took AA membership so that came to 410 total. It seemed to have some nice benefits so I went with that!
9935452 wrote: » just be aware that they might automatically renew the AA membership for next year unless you cancel it
kig wrote: » I am sick of being ripped off by these insurance shysters, Kennco in particular. After covid hit and my wife and I both became unemployed, we decided to go down to one car, and cancel the policy after less than 4 months (we had paid in full). For at least 3 months after cancelling the policy, we were given the run-a-round Kennco saying that Cover-in-a-Click were responsible for refunds, and Cover-in-a-Click saying Kennco do the refunds. Eventually after 3 months now Kennco have said that it is not their policy to give refunds (the clause hidden in their policy documents - who can read and understand dozens of small print pages). We can complain to the regulator, but as I have found before the regulator is less than useless in dealing with one off complaints, or we can take our case to court - but with it being in their policy documents and the fact that we cant even run a second car anymore, how would we ever win a case in court. So we have decided to cut our losses and warn you that Kennco for one (but they are probably not the only ones) are not to be trusted! and I for one will never again insure through Kennco, even if they are hundreds cheaper that the next lowest. Be Warned!
grogi wrote: » An advice I always give to people in similar circumstances - never cancel your policy. Suspend it and resume when the second policy one expires.
scamalert wrote: » any advice guys on sites to look for female 30+ yrs driving +10yrs NCB clean records all the way car micra 1.2-/08, liberty keeps coming up with same 550 or so each year, seems a bit of a rip off by this stage. Not for me so dont wanna go telling person to register on 10 diff sites to see what quote they can get, given how much spam they send afterwards just for inquiry.
