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EV insurance prices

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Comments

  • Registered Users Posts: 13,702 ✭✭✭✭BoatMad


    I fond there no effective reduction simply because its an EV

    best deal I found was through AA , reduced my insurance by 20 quid

    you'll find the deals move all over the place, its more like a spot market


  • Registered Users Posts: 3,903 ✭✭✭zulutango


    The rise of EV's seems to be the precursor to the introduction of autonomous vehicles. I wonder how the insurance industry will make money when it's computers driving cars as opposed to humans.


  • Registered Users Posts: 111 ✭✭jeremy_g


    zulutango wrote: »
    The rise of EV's seems to be the precursor to the introduction of autonomous vehicles. I wonder how the insurance industry will make money when it's computers driving cars as opposed to humans.

    they won't, they'll become irrelevant and disapear as they deserve to :)


  • Registered Users Posts: 13,702 ✭✭✭✭BoatMad


    zulutango wrote: »
    The rise of EV's seems to be the precursor to the introduction of autonomous vehicles. I wonder how the insurance industry will make money when it's computers driving cars as opposed to humans.

    I suspect you the owner will be entirely responsible for some considerable time to come and hence will continue to require insurance


  • Registered Users Posts: 1,782 ✭✭✭TBi


    In the UK (i think, i'll have to find the article) the insurance companies are arguing that autonomous vehicles need separate insurance, so you need to insure the car twice. Once for the person driving, second time for the 'robot' driving. Stupid!

    Possibly i misinterpreted the original article and i can't find it now.
    https://www.theguardian.com/business/2016/jun/07/uk-driverless-car-insurance-policy-adrian-flux

    https://www.engadget.com/2017/02/23/uk-government-vehicle-technology-aviation-bill/


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  • Closed Accounts Posts: 18,958 ✭✭✭✭Shefwedfan


    Rule is never to accept first offer.

    Get all details correct(value of car etc)

    Then take a couple of hours off. Get on the phone and start ringing. Get the best deal and then ring back your insurance company if you want to stay and ask them to beat


  • Registered Users Posts: 12,030 ✭✭✭✭KCross


    Shefwedfan wrote: »
    Rule is never to accept first offer.

    Get all details correct(value of car etc)

    Then take a couple of hours off. Get on the phone and start ringing. Get the best deal and then ring back your insurance company if you want to stay and ask them to beat

    ^^ This.

    This is how they make their money. Same as utility bills as well. They hope/depend on lazy people not pricing around and just paying whatever is in the renewal because thats the easy thing to do.

    Its an absolute PITA to enter the same details in all their systems each year (twice if you have 2 cars!) but if you don't you can't complain about getting a bad renewal.


  • Closed Accounts Posts: 18,958 ✭✭✭✭Shefwedfan


    KCross wrote: »
    ^^ This.

    This is how they make their money. Same as utility bills as well. They hope/depend on lazy people not pricing around and just paying whatever is in the renewal because thats the easy thing to do.

    Its an absolute PITA to enter the same details in all their systems each year (twice if you have 2 cars!) but if you don't you can't complain about getting a bad renewal.

    I agree, do not use different details for different companies. Value of car is a must and also what is the excess. You cannot compare if you don't have the figures correct.

    Don't bother with online tools in most case's. Calling in and explain you have other quotes and get them to try and match.

    Usually companies like Blue Insurance will be cheaper but you have to look at small print as most of them won't offer the same service but you can use the price to beat up the main companies.

    Also, small things like changing address with Blue Insurance they charge you, larger companies like Zurich will not. Not a huge issue for most people but could be something to consider.


  • Registered Users Posts: 122 ✭✭sgalvin


    Add your partner/gf/wife/lover/illicit affair etc.
    My wife has 3 points and I wanted to see how much this was costing me extra. Took her off and it went up by €150!

    Last year I temporarily added my father in law for a week which cost me €30. To add him for the whole year and my own mother too added only €20.

    I rang 5 companies and it varied from €700 to €380.
    Always ask for name and direct line phone number and ask for a discount if you take the insurance today! The deal will always be available tomorrow too.


  • Registered Users Posts: 1,581 ✭✭✭DesperateDan


    I paid 1400 with boi last year as a 27 year old with 1 years ncb (06 corsa). This year they offered me insurance for 1500. I was told it was going up across the board and there was nothing they could do at all. 5 more insurance companies later at similar or worse quotes (got fbd down to 1320...), I filled out Liberty's online form and they offered me it for less than 1000. Didn't have to talk to anyone and it was super quick and painless.

    Maybe if I rang them they could have done even better but I think online forms can definitely still be useful sometimes.


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  • Registered Users Posts: 64,548 ✭✭✭✭unkel


    I filled out Liberty's online form and they offered me it for less than 1000.

    Be very careful with Liberty (formerly Quinn). I always thought that if your car was stolen, it would not count as a claim for your no claims bonus. With Quinn it does count and you lose your NCB :mad:


  • Registered Users Posts: 13,702 ✭✭✭✭BoatMad


    I always thought that if your car was stolen, it would not count as a claim for your no claims bonus.

    seriously are there companies that regard a car being stolen doesnt count against NCB, Ive not heard or seen that


  • Registered Users Posts: 8,295 ✭✭✭n97 mini


    BoatMad wrote: »
    seriously are there companies that regard a car being stolen doesnt count against NCB, Ive not heard or seen that

    Same here. It's a substantial payout for the insurance company. The only thing that (afaik) doesn't affect your NCB is a windscreen claim (it didn't affect mine), but that probably varies by insurer.


  • Registered Users Posts: 13,702 ✭✭✭✭BoatMad


    n97 mini wrote: »
    Same here. It's a substantial payout for the insurance company. The only thing that (afaik) doesn't affect your NCB is a windscreen claim (it didn't affect mine), but that probably varies by insurer.

    absolutely , windscreen and then anything else constitutes a claim, I lost my NCB when I had two prangs in the snow in 2012( damm driveway was on a hill ) ( 5K claim and 2K claim)


  • Registered Users Posts: 8,295 ✭✭✭n97 mini


    BoatMad wrote: »
    absolutely , windscreen and then anything else constitutes a claim, I lost my NCB when I had two prangs in the snow in 2012( damm driveway was on a hill ) ( 5K claim and 2K claim)

    You snooze you lose!

    Reminds me of when I had a rental car in the US. I put 3 sizeable scrapes on the bottom of the front bumper (damn snow drains) of a white car (i.e. very noticeable) and a rock from a passing lorry threw up a stone which put an obvious (but small) spiderweb style crack/chip in the windscreen. When I was returning the car yer man looks over the car in detail and says "everything is in order sir". I couldn't believe it. I asked what the policy was and he said scrapes longer than a dollar bill or chips/dents bigger than a silver dollar only counted. Amount of scrapes/dents doesn't matter!


  • Registered Users Posts: 13,702 ✭✭✭✭BoatMad


    You snooze you lose!

    four wheel drive , all wheels slowly going forward, car slowly going backward , car and pillar exchange components , was forced to rope car down drive way

    dont ask about the next snow damage, all because the daughter got caught in a drift


  • Registered Users Posts: 64,548 ✭✭✭✭unkel


    BoatMad wrote: »
    seriously are there companies that regard a car being stolen doesnt count against NCB, Ive not heard or seen that

    Of course. But not if you go with a cowboy insurer. From my own policy (Allianz):

    "Claim(s) in respect of Fire, Theft or Windscreen will not impact Your No Claims Bonus."

    It's absurd that if your car gets stolen, you get shafted. You haven't done anything wrong!

    I'll make damn sure that should I ever change insurance company, this will be covered


  • Registered Users Posts: 8,295 ✭✭✭n97 mini


    unkel wrote: »
    It's absurd that if your car gets stolen, you get shafted. You haven't done anything wrong!

    Not necessarily the case. I went to Molloy's (off licence) in Coolmine the other night. I parked the Leaf up and as I was walking in I noticed a new-ish diesel Audi A6 sitting there empty, with engine running. I was tempted to steal it myself, but didn't. I concluded in my head that the owner must work for Dublin Bus or Irish Rail, and carried on in.

    3 people ahead of me in the queue at the till, and the owner was the 3rd!


  • Registered Users Posts: 3,284 ✭✭✭cros13


    AXA may reconsider windscreen cover on i3s if I make another claim.

    I got a crack from stone hitting the frit of the windscreen on the M7 one winter morning.
    AXA didn't know what hit them...

    They were going to use their standard repair guys until I pointed out that there is a special tool used to remove the i3 windscreen instead of the steel wire.... and that the steel wire could cause damage to the frame and make the car a write-off... which BMW Ireland backed me up on.

    They had to bring a specialist with the correct tools and training from the UK to replace the windscreen :D
    He had to come twice because BMW had to take the car after he'd replace the windscreen and recalibrate the cameras used for the auto-steering and adaptive cruise and they refused access to the workshop so we had to reschedule.


  • Registered Users Posts: 8,295 ✭✭✭n97 mini


    cros13 wrote: »
    AXA may reconsider windscreen cover on i3s if I make another claim.

    I got a crack from stone hitting the frit of the windscreen on the M7 one winter morning.
    AXA didn't know what hit them...

    They were going to use their standard repair guys until I pointed out that there is a special tool used to remove the i3 windscreen instead of the steel wire.... and that the steel wire could cause damage to the frame and make the car a write-off... which BMW Ireland backed me up on.

    They had to bring a specialist with the correct tools and training from the UK to replace the windscreen :D
    He had to come twice because BMW had to take the car after he'd replace the windscreen and recalibrate the cameras used for the auto-steering and adaptive cruise and they refused access to the workshop so we had to reschedule.

    Ha. Know a guy whose brother owns a Veyron. Headlamp bulb went. Couldn't figure out how to replace it, phoned Bugatti. Lads arrived in a helicopter and fixed it. Or so he says.


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  • Registered Users Posts: 1,002 ✭✭✭dev100


    n97 mini wrote:
    Ha. Know a guy whose brother owns a Veyron. Headlamp bulb went. Couldn't figure out how to replace it, phoned Bugatti. Lads arrived in a helicopter and fixed it. Or so he says.


    Nice problem to have :) I think at that stage in life where you can afford a Veyron you have people to take care of the trivial things :)


  • Registered Users Posts: 64,548 ✭✭✭✭unkel


    n97 mini wrote: »
    Not necessarily the case. I went to Molloy's (off licence) in Coolmine the other night. I parked the Leaf up and as I was walking in I noticed a new-ish diesel Audi A6 sitting there empty, with engine running.

    Then it obviously is your fault when it gets stolen. And if your car gets stolen like that and you can't produce the keys, the insurance will not even pay out. Never mind losing your NCB :p


  • Registered Users Posts: 13,702 ✭✭✭✭BoatMad


    cros13 wrote: »
    AXA may reconsider windscreen cover on i3s if I make another claim.

    I got a crack from stone hitting the frit of the windscreen on the M7 one winter morning.
    AXA didn't know what hit them...

    They were going to use their standard repair guys until I pointed out that there is a special tool used to remove the i3 windscreen instead of the steel wire.... and that the steel wire could cause damage to the frame and make the car a write-off... which BMW Ireland backed me up on.

    They had to bring a specialist with the correct tools and training from the UK to replace the windscreen :D
    He had to come twice because BMW had to take the car after he'd replace the windscreen and recalibrate the cameras used for the auto-steering and adaptive cruise and they refused access to the workshop so we had to reschedule.

    surely it would have been better to insist that BMW did the repair


  • Registered Users Posts: 13,702 ✭✭✭✭BoatMad


    unkel wrote: »
    Then it obviously is your fault when it gets stolen. And if your car gets stolen like that and you can't produce the keys, the insurance will not even pay out. Never mind losing your NCB :p

    so if they fish them out through the letter box, your not covered !!:(


  • Registered Users Posts: 3,284 ✭✭✭cros13


    BoatMad wrote: »
    surely it would have been better to insist that BMW did the repair

    I tried that line.... they decided to get their preferred repairer "Mr Windscreen" to train on the i3 with the guy who came over.


  • Registered Users Posts: 64,548 ✭✭✭✭unkel


    BoatMad wrote: »
    so if they fish them out through the letter box, your not covered !!:(

    No, no. You are covered if they steal your keys. But not if you leave the keys in your car / engine running like some clowns do on a cold winters morning.

    And I'd say it wouldn't be too hard for the insurance company to find proof of what really happened should you make a claim...


  • Registered Users Posts: 1,581 ✭✭✭DesperateDan


    n97 mini wrote: »
    Ha. Know a guy whose brother owns a Veyron. Headlamp bulb went. Couldn't figure out how to replace it, phoned Bugatti. Lads arrived in a helicopter and fixed it. Or so he says.

    Is this the brother :D

    inbetweeners_jay2.jpg


  • Registered Users Posts: 8,295 ✭✭✭n97 mini


    Is this the brother :D

    The ownership isn't contested as it was well publicised at the time. The helicopter bit I'm not so sure about.


  • Registered Users Posts: 64,548 ✭✭✭✭unkel


    That the Galway lad, who couldn't afford the VRT on Veyron? :p


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  • Registered Users Posts: 12,030 ✭✭✭✭KCross


    Moreilly wrote: »
    Lads, just got my renewal quote for the Ioniq, €690 with aviva as opposed to around €380 last year with my ice car, wife has a policy with aviva as well so usual discounts applied ect.., was not expecting this, anybody in the same boat? p.s. what value did you give for the car? :(
    peposhi wrote: »
    We are with Aviva for the last 11 years. 2 cars, house, health insurance policies (the last one did move in April to Irish Life since they took over). For the last 6 years I have at least one huge argument with them over the phone and every time they did decrease the premium.
    Do not let them get away with it. This year I was to get an increase of roughly €150 between the two cars, ended up paying a total of €70 less my previous year’s.


    My EV insurance is up in the next few weeks. Im with Zurich who were significantly cheaper than everyone else in Jan 2017 at €350

    Renewal came in the post the other day at €894! :eek::eek::eek:

    Nothing has changed on my end so this is bonkers! Insurance renewals are a complete enigma to me. If they added maybe €50 I would have just paid and saved myself the bother but almost tripling the price is basically telling me they don't want my business! So be it!

    The insurance is for a 2015 Leaf. Fully comp, Full bonus protection, windscreen and breakdown cover, €250 excess and including my wife as a named driver.

    I've priced around. Aviva have just quoted me €312 for the same! :p

    The next nearest was JLT at €456, Future Insurance at €476 and Allianz at €489.

    I do have a house insurance policy with Aviva which gave me an extra €80 off and if you have motor and home insurance with them you get free travel insurance:


    I know where Im insuring my car this year! :)


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