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Help to find car insurance

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  • 19-02-2019 4:17pm
    #1
    LediVal
    Registered Users Posts: 19 ✭


    Hi everyone,
    May by someone can help with info.
    I have a full eu license, live and drive in Ireland since 2005.
    In 2016 ends my last insurance that has 2yers ncb. So now it's 0.
    My wife just go full Irish licence.
    How we can get good price? Call them and what to say...
    Only 2 companies give online quotes 2250euro but I put the 2y ncb, suppose it will be higher.
    Is there any secrets to make price lower?


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    #2
    LediVal
    Registered Users Posts: 19 ✭LediVal


    Update...
    Things not good. Phone to ins companies and they all say NO we can't give you a quote because of your vehicle and your ncb expired....I have 30yrs my driving license..15 of which I'm in Ireland.
    Why they say on what car I should drive....


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    #3
    troyzer
    Registered Users Posts: 6,199 ✭✭✭troyzer


    How can your NCB expire? Did you make a claim?


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    #4
    [Deleted User]
    Posts: 0 ✭ [Deleted User]


    Go to a broker


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    #5
    LediVal
    Registered Users Posts: 19 ✭LediVal


    troyzer wrote: »
    How can your NCB expire? Did you make a claim?

    No, I mean that last confirmation letter of ncb dated 2016. Because of gap 2,5yr.


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    #6
    LediVal
    Registered Users Posts: 19 ✭LediVal


    Deleted User wrote: »
    Go to a broker

    Called chill-say no
    Topinsure also-no


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    #7
    troyzer
    Registered Users Posts: 6,199 ✭✭✭troyzer


    LediVal wrote: »
    No, I mean that last confirmation letter of ncb dated 2016. Because of gap 2,5yr.

    So you haven't been insured since 2016?


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    #8
    CSSE09
    Registered Users Posts: 519 ✭✭✭CSSE09


    troyzer wrote: »
    How can your NCB expire? Did you make a claim?

    NCB's expire when you don't take out insurance for 2 years


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    #9
    LediVal
    Registered Users Posts: 19 ✭LediVal


    troyzer wrote: »
    So you haven't been insured since 2016?

    Yes, and now it's ncb 0.
    But I'm not a Lerner...
    Driving 30yrs...
    They say I should take another car...
    2006 BMW 2.0 they will not insure..
    I cant understand why they choose on what car I should drive...


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    #10
    _Brian
    Registered Users Posts: 18,486 ✭✭✭✭_Brian


    Your best bet is call into a local smaller independent brokers and bring your details with you.

    Insurance companies don’t really want to be covering you as your an unknown for last two years and so seem as a huge risk.

    Aparantly the fraudulent claims are seen on policies taken out by people just rocking in off the street with no history same as yourself.

    A small broker may know how to get the best price but it will be in the €2k region. They would advise on best age and size of car to get the best deal.


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    #11
    troyzer
    Registered Users Posts: 6,199 ✭✭✭troyzer


    CSSE09 wrote: »
    NCB's expire when you don't take out insurance for 2 years

    Yeah, I understand now. So basically the OP hasn't had a car for two years and is trying to get insurance for himself with no NCB and his newly qualified wife.

    That's going to be really tough and you'll be gouged either way. Go with a broker.

    The reason why it's so high is because a newly qualified driver with a 2 litre BMW is pretty high risk. See how much it is if you drop your wife from the coverage and go from there.


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    #12
    _Brian
    Registered Users Posts: 18,486 ✭✭✭✭_Brian


    LediVal wrote: »
    Yes, and now it's ncb 0.
    But I'm not a Lerner...
    Driving 30yrs...
    They say I should take another car...
    2006 BMW 2.0 they will not insure..
    I cant understand why they choose on what car I should drive...

    Understand it or not you need to take advice on board or your at a dead end.


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    #13
    [Deleted User]
    Posts: 0 ✭ [Deleted User]


    LediVal wrote: »
    Called chill-say no
    Topinsure also-no

    They’re insurance companies, not brokers. A broker would have contacts with many companies. Where in the country are you? Other Boardsies may be able to recommend someone in your area.


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    #14
    LediVal
    Registered Users Posts: 19 ✭LediVal


    Deleted User wrote: »
    They’re insurance companies, not brokers. A broker would have contacts with many companies. Where in the country are you? Other Boardsies may be able to recommend someone in your area.

    Quotedevil broker said no..
    Live in Louth near Dundalk...


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    #15
    [Deleted User]
    Posts: 0 ✭ [Deleted User]


    LediVal wrote: »
    Quotedevil broker said no..
    Live in Louth near Dundalk...

    Are they online only? If so you need find (Google) insurance brokers in your area and go into their offices.


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    #16
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,634 Mod ✭✭✭✭Henry Ford III


    It's not an attractive risk id imagine. No ncb and and "old" car.


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    #17
    LediVal
    Registered Users Posts: 19 ✭LediVal


    Deleted User wrote: »
    Are they online only? If so you need find (Google) insurance brokers in your area and go into their offices.

    Thanks for help.
    will look for brokers in our area.. Will try..


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    #18
    treascon
    Registered Users Posts: 238 ✭✭treascon


    Henry Ford III wrote: »
    It's not an attractive risk id imagine. No ncb and and "old" car.

    This is exactly it. A newer car with a smaller engine might give you some hope


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    #19
    jay1988
    Registered Users Posts: 549 ✭✭✭jay1988


    Deleted User wrote: »
    They’re insurance companies, not brokers. A broker would have contacts with many companies. Where in the country are you? Other Boardsies may be able to recommend someone in your area.

    Not sure about Topinsure, but Chill are definitely a broker.


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    #20
    LediVal
    Registered Users Posts: 19 ✭LediVal


    Henry Ford III wrote: »
    It's not an attractive risk id imagine. No ncb and and "old" car.

    Don't have money for new.
    Actually they didn't say anything about year of car..
    They want me drive on 1.0 l car like Lerner.
    But I'm not a Lerner...


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    #21
    ddarcy
    Registered Users Posts: 580 ✭✭✭ddarcy


    Try kennco insurance. Believe they’re more of a broker. They might be able to help. But you still have two big issues for insurers: the age of the car/ power of it and the new driver of the car. You really need a small engine for a new driver, insurers will not be happy.

    As everyone else has stated go through a broker as well. They will have connections and step you through any issues.


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    #22
    LediVal
    Registered Users Posts: 19 ✭LediVal


      ddarcy wrote: »
      Try kennco insurance. Believe they’re more of a broker. They might be able to help. But you still have two big issues for insurers: the age of the car/ power of it and the new driver of the car. You really need a small engine for a new driver, insurers will not be happy.

      As everyone else has stated go through a broker as well. They will have connections and step you through any issues.

      Thanks. Will try brokers.
      Kennco refused...


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