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Can't get insurance..

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  • 07-05-2020 10:49am
    #1
    derrycolins10
    Registered Users Posts: 7 ✭


    Hi I'm 47 years old and I have a 20 year old subaru impreza. I have my own policy with 30 years no claims or convictions. I have a policy on a jeep and named driver on my wife's car for 15 years. But want to start a new policy but I can't find a company in the country that will insure me.. Only in Ireland.. Can anyone suggest anything..


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    #2
    Dravokivich
    Moderators, Category Moderators, Music Moderators, Politics Moderators, Society & Culture Moderators Posts: 22,360 CMod ✭✭✭✭Dravokivich


    Insist on letters of refusal. Theres a body you can take it up with. Cant remember who. But they'll tell someone refusing you, to quote you. You might not like the quote either.


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    #3
    Cork Trucker
    Closed Accounts Posts: 2,553 ✭✭✭Cork Trucker


    You need 3 letters of decline, to go to the insurance ombudsman I think, they will quote you, however these quotes are usually so high that people don’t bother. At 20 years old is it eligible for a classic policy? Some insurers will do it at 20 years.


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    #4
    Doctors room ghost
    Registered Users Posts: 4,805 ✭✭✭Doctors room ghost


    Bunch of frauds.
    There should be a law that if a car is deemed roadworthy with a valid nct,insurance companies should be forced to offer a quote.
    They can pick and choose as they like and it’s fcukin annoying.
    Try allianz op


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    #5
    derrycolins10
    Registered Users Posts: 7 ✭derrycolins10


    Yes I got one for 2700 euro.. At 47 with no claims or convictions for 30 years.. What a joke..


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    #6
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,634 Mod ✭✭✭✭Henry Ford III


    Cork Trucker wrote: »
    You need 3 letters of decline, to go to the insurance ombudsman I think, they will quote you, however these quotes are usually so high that people don’t bother. At 20 years old is it eligible for a classic policy? Some insurers will do it at 20 years.

    Declined cases committee is where you need to go.

    p.s. Is it a high performance Subaru OP? It might qualify for a classic policy? Try Carole Nash and First Ireland


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    #7
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,634 Mod ✭✭✭✭Henry Ford III


    Doctors room ghost wrote: »
    Bunch of frauds.
    There should be a law that if a car is deemed roadworthy with a valid nct,insurance companies should be forced to offer a quote.
    They can pick and choose as they like and it’s fcukin annoying.
    Try allianz op

    I don't agree. If Insurers won't offer a quote it means they aren't interested in the risk.

    If you don't want someone's business (in any area of commerce) you have no obligation to go against your wishes.


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    #8
    PCeeeee
    Registered Users Posts: 1,465 ✭✭✭PCeeeee


    Henry Ford III wrote: »

    I don't agree. If Insurers won't offer a quote it means they aren't interested in the risk.

    If you don't want someone's business (in any area of commerce) you have no obligation to go against your wishes.

    Absolutely Henry. The only issue here from the consumer side is that this product is mandatory. Which makes it unusual as an area of commerce.


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    #9
    listermint
    Registered Users Posts: 33,692 ✭✭✭✭listermint


    Henry Ford III wrote: »

    I don't agree. If Insurers won't offer a quote it means they aren't interested in the risk.

    If you don't want someone's business (in any area of commerce) you have no obligation to go against your wishes.


    I disagree, there aren't many areas of business where need is legally mandatory. There should be much clearer and transparent levels in insurance it's an entirely black box system yet still is legally required for driving anything on the roads.


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    #10
    Uncle Pierre
    Registered Users Posts: 1,466 ✭✭✭Uncle Pierre


    Looked into classic car insurance myself a few years ago. Couple of potential stumbling blocks are that it might only be available if you've already got insurance on another car, or that it only covers cars that do no more than about 5,000 miles per year. Presume both conditions are to ensure it's used for genuine classic "hobby" cars, rather than by somebody who just happens to have an old car as their main vehicle.


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    #11
    Titzon Toast
    Registered Users Posts: 2,492 ✭✭✭Titzon Toast


    Ask your insurance company to mirror your NCB on the Impreza. Quote devil did that for me years ago no bother.
    Failing that, get a multicar policy or go and have a chat with a good broker.
    I completely agree with you, insurance in this country is an absolute joke.
    I've a 97 Prelude insured with Autoline up North, but they changed their age limit on Japanese made cars to 25+ years for new customers.
    Madness in this day and age.
    Best of luck.


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    #12
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,634 Mod ✭✭✭✭Henry Ford III


    Titzon Toast wrote: »
    Ask your insurance company to mirror your NCB on the Impreza. Quote devil did that for me years ago no bother.
    Failing that, get a multicar policy or go and have a chat with a good broker.
    I completely agree with you, insurance in this country is an absolute joke.
    I've a 97 Prelude insured with Autoline up North, but they changed their age limit on Japanese made cars to 25+ years for new customers.
    Madness in this day and age.
    Best of luck.

    That'd be an ideal solution, but it's unlikely happen imho.


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    #13
    El Gato De Negocios
    Registered Users Posts: 6,690 ✭✭✭El Gato De Negocios


    Doctors room ghost wrote: »
    Bunch of frauds.
    There should be a law that if a car is deemed roadworthy with a valid nct,insurance companies should be forced to offer a quote.
    They can pick and choose as they like and it’s fcukin annoying.
    Try allianz op

    There is, the declined cases agreement.


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    #14
    derrycolins10
    Registered Users Posts: 7 ✭derrycolins10


    Hi All I manged to get insurance today.. Its all down the good people at insuremyvan and coverinaclick. Ie they got me on the road..they were great.. Thanks for all the help


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    #15
    L1011
    Moderators, Business & Finance Moderators, Motoring & Transport Moderators, Society & Culture Moderators Posts: 67,822 Mod ✭✭✭✭L1011


    Don't use them myself but I've sent other people to insuremyvan for awkward cases - most recently policy mirroring for a 13 year old 'future classic' weekend car against the main policy on a daily driver 192 - and they've managed to pull something out of the bag. And none actually involved vans!


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    #16
    DaveyDave
    Registered Users Posts: 6,196 ✭✭✭DaveyDave


    Dravokivich wrote: »
    Insist on letters of refusal. Theres a body you can take it up with. Cant remember who. But they'll tell someone refusing you, to quote you. You might not like the quote either.

    It doesn't help they don't send them out. A lot of places won't insure me in general because I don't have 3 years NCB. Those that would insure me wouldn't give me a quote on a 300hp Leon Cupra. I asked for the letters but only got 1...


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    #17
    biko
    Registered Users Posts: 81,223 ✭✭✭✭biko


    derrycolins10 wrote: »
    Hi All I manged to get insurance today.. Its all down the good people at insuremyvan and coverinaclick. Ie they got me on the road..they were great.. Thanks for all the help
    Do share how much for when the next guy needs help.


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