[honda boi]

Car: 2006 Volvo S40 1.6 petrol
Licence :full
Age : 28
NCB : 7 years named driver experience.
€532 with liberty
Liberty seem to be the only ones to either insure me at all or at reasonable price.
Very happy with that price. First time having my own car policy, only been a named driver with my partner and my own motorbike policy

[zg3409]

Originally Posted by 6541

Hi All,

Looking for a bit of advice. I have a 2003 VW Passat. I am not driving it at the moment so I suspended the insurance.
I have a crap camper that I am driving around with.

I am wondering am I storing up trouble for myself by suspending my car insurance as 1) Camper insurance states I must have car insurance.
2) If I do not renew my car insurance and just drive on using my old camper, will I have a no claims bonus issue.

Thanks,
6541

Yes, by the sounds of it you are technically uninsured in camper now as you have broken policy rules.
You should ask insurer how long you can suspend policy before no claims bonus is valid. When you say suspend can you restart policy with a phone call? Its very important you are covered in the event of a claim

[LARGElittle]

I'm looking for quotes on
2004 Volvo S60 T SE
Age: 37
Male
6+ years named NCB
My own motorcycle NCB does not count for anything.


It's my fathers car, he is insured with 123 for €550 and I'm buying it off him.

Best quote: Axa via Campion €1270!
2nd: Patrona via Chill €1358
3rd: Axa direct €1450

The following would not quote online
AA Phone or online
FBD
Liberty
Its4Women
BOI
AIG
QuoteDevil phone or online
CompareInsurance
Allianz
123

I might ask pops if he can get a quote with me named and see how we go... crazy they take the year of the car but not the history of the individual vehicle.

Seems some have had luck with Liberty and 123, I will give them a call as they were unable to quote online.

[screamer]

Originally Posted by LARGElittle

I'm looking for quotes on
2004 Volvo S60 T SE
Age: 37
Male
6+ years named NCB
My own motorcycle NCB does not count for anything.


It's my fathers car, he is insured with 123 for €550 and I'm buying it off him.

Best quote: Axa via Campion €1270!
2nd: Patrona via Chill €1358
3rd: Axa direct €1450

The following would not quote online
AA Phone or online
FBD
Liberty
Its4Women
BOI
AIG
QuoteDevil phone or online
CompareInsurance
Allianz
123

I might ask pops if he can get a quote with me named and see how we go... crazy they take the year of the car but not the history of the individual vehicle.

Seems some have had luck with Liberty and 123, I will give them a call as they were unable to quote online.

It’s because of the scammers who were buying old cars, staging accidents and claiming a fortune. Your Dad will be able to insure the car cheaper as he’s owned it for a while. But, the price for older car insurance has become crazy the past few years, it now costs more than the cars are worth in a lot of cases.

[LARGElittle]

Originally Posted by screamer

It’s because of the scammers who were buying old cars, staging accidents and claiming a fortune. Your Dad will be able to insure the car cheaper as he’s owned it for a while. But, the price for older car insurance has become crazy the past few years, it now costs more than the cars are worth in a lot of cases.

Makes sense alright but such a shame, makes it hard for a lot of people.

If I was to insure in my own name it'd be much better, hopefully it'll reduce then next year, not holding out any hope for that of course!

[BronsonTB]

Originally Posted by LARGElittle

Makes sense alright but such a shame, makes it hard for a lot of people.

If I was to insure in my own name it'd be much better, hopefully it'll reduce then next year, not holding out any hope for that of course!

That's very good quotes for first time in your own name.
I paid 1700 for my own first insurance & had a few years as a named driver.


Once you start it will get lower over the years as you build your full own NCD.

[zg3409]

Originally Posted by LARGElittle

I'm looking for quotes on
2004 Volvo S60 T SE
Age: 37
Male
6+ years named NCB
My own motorcycle NCB does not count for anything.


It's my fathers car, he is insured with 123 for €550 and I'm buying it off him.

Best quote: Axa via Campion €1270!
2nd: Patrona via Chill €1358
3rd: Axa direct €1450

The following would not quote online
AA Phone or online
FBD
Liberty
Its4Women
BOI
AIG
QuoteDevil phone or online
CompareInsurance
Allianz
123

I might ask pops if he can get a quote with me named and see how we go... crazy they take the year of the car but not the history of the individual vehicle.

Seems some have had luck with Liberty and 123, I will give them a call as they were unable to quote online.

Can you/have you added a second named driver during the quote process? Often adding a partner or friend who never drives car can help.

Beware driving car regularly as a named driver. If you crash its your father's car and insurance policy and he will have a claim, not you. You also don't build up much own named driving experience.
Where will car be parked overnight? Any owners house or your house? If not at father's house might not be legit.

Do you really need this car or would another, cheaper to insure car do until you build up your own named no claims history. E.g. get a less than 10 year old small engine car or ask insurer to recommend what to buy.
It sound like you use your bike daily now, do you need a car or just something with cheap tax/insurance/low depreciation?

Did you try ring a few brokers and go through all the questions and ask for advice?
Insurers are assessing the risk of you claiming with 0 no claims bonus and a cheap/free car.

[LARGElittle]

Thanks for the reply.

Originally Posted by zg3409

Can you/have you added a second named driver during the quote process? Often adding a partner or friend who never drives car can help.

Beware driving car regularly as a named driver. If you crash its your father's car and insurance policy and he will have a claim, not you. You also don't build up much own named driving experience.

Where will car be parked overnight? Any owners house or your house? If not at father's house might not be legit.

Yes, I can add a second named driver and see if that makes a difference.

Yes again, I would not really like to use with fathers insurance and me named for those exact reasons!

Originally Posted by zg3409

Do you really need this car or would another, cheaper to insure car do until you build up your own named no claims history. E.g. get a less than 10 year old small engine car or ask insurer to recommend what to buy.
It sound like you use your bike daily now, do you need a car or just something with cheap tax/insurance/low depreciation?

I do not need this car no, it would be a nice to have that would make everything a bit easier. There may be cheaper to insure cars but I'm "buying" this car from my father - we have an arrangement that would not be possible with other private sale.

I sold my bike for financial reasons a few months ago. This car will make a fantastic difference to daily life over the next year for a variety of reasons not just daily driver, but as above, is not a necessity.

Originally Posted by zg3409

Did you try ring a few brokers and go through all the questions and ask for advice?

Yes, a few. The main advice from brokers was to go to underwriters directly, but no luck so far, its still early in the day sure

Originally Posted by zg3409

Insurers are assessing the risk of you claiming with 0 no claims bonus and a cheap/free car.

The reason (when given) on rejections so far is solely the age of the car, not driver experience or any other factor. Easier to discuss and confirm over the phone of course but that is the feedback I am getting so far.

[Co11ins]

Car: 2000 Toyota Altezza, Japanese import.
Licence: Full
Age : 27
NCB : 9 years named driver experience.
Policy: 3rd party fire/theft, with glass cover.

€950 with FBD. Quite happy with that as these are notorious with young lads acting the clown. This is after a 15% discount on account of Macra membership.

Have been with FBD since I started driving so that stood to me.

[cplwhisper]

Originally Posted by LARGElittle

Thanks for the reply.



Yes, I can add a second named driver and see if that makes a difference.

Yes again, I would not really like to use with fathers insurance and me named for those exact reasons!



I do not need this car no, it would be a nice to have that would make everything a bit easier. There may be cheaper to insure cars but I'm "buying" this car from my father - we have an arrangement that would not be possible with other private sale.

I sold my bike for financial reasons a few months ago. This car will make a fantastic difference to daily life over the next year for a variety of reasons not just daily driver, but as above, is not a necessity.



Yes, a few. The main advice from brokers was to go to underwriters directly, but no luck so far, its still early in the day sure



The reason (when given) on rejections so far is solely the age of the car, not driver experience or any other factor. Easier to discuss and confirm over the phone of course but that is the feedback I am getting so far.

On the Axa quote specify the max number of years continuous you can prove.6yrs gets you 65% ncb scale, 7 = 70% and if 8 then you’ll meet max 75% scale.
Higher % = lower quote