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Declined motor insurance Ireland

  • 10-01-2021 5:46pm
    #1
    MullFibs
    Registered Users Posts: 2 ✭


    Has anyone faced an issue with declined insurance in Ireland?

    In Jan 2020 one of the named drivers on my insurance met with an accident.
    In December I got a new car and when I tried to shop around insurance companies declined to give a quote. I approached Insurance Ireland with 3 declined letters and later Liberty Insurance was nominated to give me a quote.

    a few days back Liberty Insurance gave me a quote of €4789 (comprehensive cover). I feel this is ridiculously high for Citreon C4 1.6 Grand Picasso. wanted to know if anyone had faced similar issue and/or any suggestions to handle this.

    Thank you,
    Tagged:


Comments

  • #2
    Del2005
    Registered Users, Registered Users 2 Posts: 19,031 ✭✭✭✭Del2005


    Remove the named driver or pay. New drivers are getting quotes of ~€3k.

    The car isn't the problem it's the named driver having a big claim against them that's put the price so high.


  • #3
    Eggs For Dinner
    Registered Users, Registered Users 2 Posts: 3,004 ✭✭✭Eggs For Dinner


    The claim belongs to the policyholder and the circumstances and cost will be taken in to account by insurers, regardless of whether the driver stays on the policy or not


  • #4
    sydthebeat
    Subscribers Posts: 41,836 ✭✭✭✭sydthebeat


    Is the Jan 2020 accident still an open claim?


  • #5
    MullFibs
    Registered Users Posts: 2 ✭MullFibs


    Eggs For Dinner wrote: »
    The claim belongs to the policyholder and the circumstances and cost will be taken in to account by insurers, regardless of whether the driver stays on the policy or not

    This is true. Even though the named driver is removed from my policy, the claim still affects me.


  • #6
    zg3409
    Registered Users, Registered Users 2 Posts: 6,877 ✭✭✭zg3409


    How about ringing a good few brokers and see if they can direct you. Declined quotes are just a crazy quote to say they gave you a last resort option. As said if case is open get it closed, and try get a real quote from anybody.

    Have you contacted everyone on this list? (Online quotes won't work, you need to ring them)
    https://www.boards.ie/vbulletin//showthread.php?t=2057619504

    Brokers might be more helpful.
    You don't mention if your car is over 10 years old as this rules out some companies.


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