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31F, concerned I won't get insured

  • 28-03-2021 9:26am
    #1
    ElectroSpex
    Registered Users Posts: 32 ✭


    Hi All,

    I've held a provisional since 2007, but in 2009 moved to Dublin and didn't need to drive. Renewed licence anyway and did some lessons and got a car in 2015, but went through a breakup, had to move house and get rid of car. Started learning again in Feb 2020 and all was put on hold with Covid.

    Just tried to do a mock quote on a 1.0 Polo online and I'm not getting anything. Whenever I do start my lessons again, am I going to be prevented from driving completely since nobody wants to insure me?


Comments

  • #2
    AnRothar
    Registered Users Posts: 540 ✭✭✭AnRothar


    ElectroSpex wrote: »

    Just tried to do a mock quote on a 1.0 Polo online and I'm not getting anything. Whenever I do start my lessons again, am I going to be prevented from driving completely since nobody wants to insure me?
    You can get insurance it's just that you will likely have to pay a higher premium.

    There are many factors involved (car age/engine size/model, your location, etc.).

    Online systems tend to be for very straightforward quotes.

    You are best advised to ring the insurers directly or try a broker.


  • #3
    zg3409
    Registered Users Posts: 6,546 ✭✭✭zg3409


    Do you have a provisional or a full licence? On a provisional you need a full driver with you at all times, otherwise you are breaking the law and not insured.

    It's very hard to get a test these days. You need to be an essential.worker.

    https://passthetest.ie/unaccompanied-drivers-and-the-law/

    If you have a full licence and no recent driving experience you may get quotes in the 1500 to 4000 per year range, if you get a sensible car. After the first year rates should start to drop but you need to shop around a lot and try not to get any claims or penalty points.


  • #4
    ElectroSpex
    Registered Users Posts: 32 ✭ElectroSpex


    I have a provisional and I don't have a car and have never and would never drive unattended.

    I think I'd have issues if I tried to get insured on a car with just a provisional so I'll hold out, do more lessons after lockdown, sit the test when ready and get a car only when I have a full licence.

    Probably going to take another 2 years at this rate as no instructors are ever available for frequent lessons and certainly not now with huge backlogs.


  • #5
    Atlantic Dawn
    Registered Users Posts: 81,055 ✭✭✭✭Atlantic Dawn
    M


    Try calling the insurers rather than online quotes, more likely to get a quote that way.


  • #6
    micah537
    Registered Users Posts: 254 ✭✭micah537


    ElectroSpex wrote: »

    I think I'd have issues if I tried to get insured on a car with just a provisional

    Your are less of a risk than a 17 year old and they can get insured. Aviva used to have/possibly still a deal if you did a certain number of driving lessons with one of their approved instructors.

    Other than that, you have 123go, boxymo and AXA who have a box fitted to your car.

    Brokers can also be great. Gmib (used to be Gmhd) are excellent.


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