Car insurance - tell us your quotes/renewals

Not really what? You've cooled a bit since yesterday which is no harm. What you've said is exactly what I've provided actual figures for. Even if you go back to zero NCB it still won't cost thousands to renew as you stated yesterday whether you're Malaysian or not. Come back with actual figures for this woman and we'll work from there. Actually a work colleague of mine rear ended a car which went into another car writing off his and probably the middle car too, he had no protection in place I'll ask him what his renewal was as it was definitely over a year ago when it happened. I just messaged him it went up to 1100 for himself and the wife.

A settled claim while still required to be declared won't affect her ability to shop around, a pending claim will make it more difficult understandably as nobody knows where they stand. Before the crash his premium was the usual 300-400 price on a Kia ceed estate.

With over 40 in the business behind me, I think I have a good understanding of the situation. They desire by insurers to make profit is not well served by screwing over their customers for standard claims. The principle of losing an unprotected NO CLAIM bonus when you have a claim shouldn't be hard to comprehend

Quite a bit of experience in both trade and the insurance business myself too, preparing estimates, costs etc, and for more years than care to think about, as it happens. To recap: - The Lady I was speaking about had a minor tip, plastic bumper to bumper. Neither vehicle was travelling very fast, it happened in a housing estate. The lady at fault admitted it, no problem, and was extremely concerned about how Lady Nr 2 was. Any injuries? Need to go to the hospital etc? Genuinely concerned. Lady Nr 2 laughed it off, no problem, she just wanted her car fixed, so after getting the insurance details, they both went their separate ways. And Lady Nr 1 thought that was that. Next, Lady Nr 1 had to travel back to Malaysia to care for her ill mother, and it was 3 mths before she arrived back in Ireland again, with of course the large accumulation of mail waiting for her, including the car insurance renewal notification. After opening the renewal letter, and getting over the shock, she contacted the insurance and explained the delay in contacting them and asked why the renewal was so high, and the explanation they gave her was that she had a large claim lodged against her insurance, because of that her renewal was so high. And so she couldn't afford to re-insure the car. She duly contacted Lady Nr, 2, who told her that she had had handed everything over to her solicitor, and he had taken it from there. With the result now in Lady Nr 1's hands. End of story (except Lady Nr 1 without her car, was now out of that particular job)

Going by my own personal experience (and yours too, in your 40 years') what actually happened was Lady Nr 2, went to a solicitor (advised by her husband, friend etc?) and was advised of her legal rights, especially of possible health issues down the road, as some injuries can take quite some time to manifest themselves, and better be safe than sorry. And its quite possible that the solicitor may even have been able to recommend a consultant who was a specialist in impact-generated injuries, especially soft tissue ones, and so it was checked out. All of these medical tests ect, can be time consuming and are invariably expensive, which's increases costs of the claim, and then if something is discovered to be possible a health issue at some future date, the costs of that too have to be calculated into the final figure. By now of course, the simple costs of a bumper repair have been left far behind, in the final account presented to the insurance. Will they check or contest the presented final figures? You know well the answer to that question yourself. But the bottom line for Lady Nr1,is that she's unable to afford the insurance now. And you know something else, Egg's, she is not the only one who's put off the road each year because even with a minor tip, the claims are jacked up sky high, and that was the main point I was trying to make.

That's a lot of words with very little to no relevant information. Unless you know the figures, there's no point discussing it.

I get it insurance, especially in Ireland is a pain as its quite high and claims can really impact it compared to the continent. This is often due to the obscenely high payouts given and I hope the recent caps on them will drive prices down.

Have a look at my reply to Mr Egg,, might throw some light on my opinion on it. And also, yes, I understand how insurance works, the loss makers are covered by increased fees across the board. But even so, say a claim of 5000, do you think that will attract the same renewal premium as say a renewal of a 60'0000? claim? While neither will be expected to cover the full Insurance costs fully of course, because that would defeat the whole purpose or need for insurance. But even so, they will try to reduce their costs as much as possible, because they are a profit-motivated shareholder business.

Yes, you are right on the penny-pinching case where he was too tight to stump up for the bonus protection, will be the last time though. Next time I contact the Malaysian lady, and I get more detail's I'll post them. But I expect that its a case of a higher claim and payout by the insurance, leading to a higher renewal figure for the Malaysian Lady, one which she was unable to afford,

Purely academic question for you so Eggs, with all the details needed:

Two accidents, two claims. One costs the insurance company €10'000 to settle, while claim Nr 2 costs the Insurance €60'000 to settle. Now will both renewals cost the same renewal premium, or will one be higher than the other?

Good Night!

So, the bottom line is basically back to square one in both cases. With one facing a higher loading, depending on circumstances. That would explain it.

Thanks Egg.

Was the actual cause of the fire ever established?

No need to be sorry for a post that gives so much information.

Thank you for replying to me John. Very informative post.. a little bit more info if you don't mind? The car is 12 years old, and a small model. Which make and model is it, and is it diesel or Petrol? You were sitting in the vehicle waiting for your Mother, was the engine running or switched off? Radio on or off?

Thanks in advance,

Jim.

I found their quotation process a joke. Not online, over the phone with millions of questions to get a price. Is this still the case?

Also is the 600 excess the only option?

Some more info about the case of the Malaysian Lady. The renewal came is at €3500, which was way beyond what she was able to pay, so she's now returned home to Malaysia. All because of a minor bumper to bumper tip, escalated, despite there not being any sign of any injury's at the time.

Im with MissQuote and got a quote this morning to renew for €720. Last year I paid €500. Fully comp. I rang them up and they went down to €655. In the meantime I went on to chill insurance and I got a quote of €542 from a company called Ivernia protect. I've never heard of them before and they have some shocking reviews on Google. Does anyone have any info on them? TIA