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A guide to motor insurance & FAQ's

1356728

Comments

  • Registered Users Posts: 278 ✭✭faral


    MugMugs wrote: »
    If you're wearing corrective lenses there is no issue.

    I've also never encountered an insurer concerned with the Insured wearing glasses.

    Have you been asked if you wear glasses by any of the companies you have approached for a quote OP?
    its ok, I spokee with FBD and the said wearing glasses its non an issue
    Nobody asked me before that question but it came to my mind when reading all these assumptions and terms and conditions that I have to disclose this fact.


  • Closed Accounts Posts: 35 Festinatio Cursor


    MugMugs wrote: »
    Once the claim is finalised a new quote should be requested and a revised premium will be given.

    Thanks for this,

    A follow up question. My insurance broker has come back to me regarding another company which have given me a quote (excess is high but considering it as it is a case of risk of higher excess in an accident or definitely paying more than the new excess in my premium with current company)

    Just wondering a few things

    1) How will this affect my claim. This is still open and I am worried changing will mean I could lose out on the settlement

    2) How will this affect me in the future with other insurance companies. Would I be considered a liability If I change insurance companies just after an accident


  • Registered Users, Registered Users 2 Posts: 17,875 ✭✭✭✭MugMugs


    Thanks for this,

    A follow up question. My insurance broker has come back to me regarding another company which have given me a quote (excess is high but considering it as it is a case of risk of higher excess in an accident or definitely paying more than the new excess in my premium with current company)

    Just wondering a few things

    1) How will this affect my claim. This is still open and I am worried changing will mean I could lose out on the settlement

    2) How will this affect me in the future with other insurance companies. Would I be considered a liability If I change insurance companies just after an accident

    1. How can you lose out on the settlement? I presumed you were liable in this claim, is that not the case?

    2. Moving company doesn't look bad. In fact, I generally move insurer annually. It's not really considered when quoting somebody.


  • Closed Accounts Posts: 35 Festinatio Cursor


    MugMugs wrote: »
    1. How can you lose out on the settlement? I presumed you were liable in this claim, is that not the case?

    I was yes and my car was wrote off however I have not yet received the settlement cheque so I am just wondering whether this could be grounds to not pay this out? (probably paranoid but just trying to get as much information as possible before making decision)


  • Closed Accounts Posts: 33,733 ✭✭✭✭Myrddin


    I noticed my renewal quote was a little cheaper with herself added on as a named driver. Generally speaking, does the "Spouse/Partner" option on the quote form mean that the named driver has to live at the same address?


  • Registered Users, Registered Users 2 Posts: 17,875 ✭✭✭✭MugMugs


    I was yes and my car was wrote off however I have not yet received the settlement cheque so I am just wondering whether this could be grounds to not pay this out? (probably paranoid but just trying to get as much information as possible before making decision)

    Oh right.

    Sorry, I took you up wrong.

    No, your insurer can't reduce or refuse you settlement if you move on to another Insurer.

    The premium they took off you last year covers this accident. They're not entitled to rely on further premiums or "ransom" to make their monies back. You're free to move if you can.

    That said, I am absolutely bewildered that your broker found another Insurer willing to take you with an open claim. Might not seem like a lot but they've no idea of telling how much of a big deal this claim is until it's settled.
    I am certainly not trying to discredit your broker but may I suggest that if you do go through with this new policy that your broker is offering that when you receive the paperwork you ensure that the claim is noted on the proposal form? Just to cover yourself should anything ever arise in the future. If it isn't then all you do is write a letter to the broker outlining that as discussed there is an active claim with your past insurer and keep a copy of this letter. This covers you from any responsibility should anything come amiss in the future.


  • Registered Users, Registered Users 2 Posts: 17,875 ✭✭✭✭MugMugs


    EnterNow wrote: »
    I noticed my renewal quote was a little cheaper with herself added on as a named driver. Generally speaking, does the "Spouse/Partner" option on the quote form mean that the named driver has to live at the same address?
    MugMugs wrote: »
    Will my Insurance be cheaper if I name my partner on the policy?

    Potentially. This spreads the risk. If your partner has their own vehicle and assuming that most policies have a third party extension this actually lessens the risk of your insurance and theirs should something occur and your partner was driving your vehicle.

    Why?

    Because if your partner has an accident in your vehicle as a named driver and has their own third party extension then their own insurer is liable for 50% of the third party costs associated with the claim.
    From all the conditions I've actually seen relevant to this, I've only seen it listed as required once.

    My understanding why it's not inherently insisted on is because it is generally considered that one cohabits with their partner and certainly Spouse.

    You'd need to check your individual policy but generally speaking in my experience, No, they're not required to live with you full time.


  • Closed Accounts Posts: 35 Festinatio Cursor


    MugMugs wrote: »
    Oh right.

    Sorry, I took you up wrong.

    No, your insurer can't reduce or refuse you settlement if you move on to another Insurer.

    The premium they took off you last year covers this accident. They're not entitled to rely on further premiums or "ransom" to make their monies back. You're free to move if you can.

    That said, I am absolutely bewildered that your broker found another Insurer willing to take you with an open claim. Might not seem like a lot but they've no idea of telling how much of a big deal this claim is until it's settled.
    I am certainly not trying to discredit your broker but may I suggest that if you do go through with this new policy that your broker is offering that when you receive the paperwork you ensure that the claim is noted on the proposal form? Just to cover yourself should anything ever arise in the future. If it isn't then all you do is write a letter to the broker outlining that as discussed there is an active claim with your past insurer and keep a copy of this letter. This covers you from any responsibility should anything come amiss in the future.


    Thanks I will do. I gave full disclosure regarding the renewal and made them aware of the situation and initially they came back saying that no company would touch me with an open claim but then a week later they came back saying there was one company willing to (albeit with a huge excess but to be honest this was less than the difference in the renewal premium which is the only reason I am considering).

    I will double check though just to be sure

    Thanks


  • Closed Accounts Posts: 33,733 ✭✭✭✭Myrddin


    MugMugs wrote: »
    From all the conditions I've actually seen relevant to this, I've only seen it listed as required once.

    My understanding why it's not inherently insisted on is because it is generally considered that one cohabits with their partner and certainly Spouse.

    You'd need to check your individual policy but generally speaking in my experience, No, they're not required to live with you full time.

    Cheers for that, rang them up there {FBD} & the girl said no there's no such stipulation that both the insured have to reside at the same address. Cool, looks like I'm migrating over so. Will FBD be able to retrieve my no claims info themselves, or will I have to get it for them manually? I've never changed companies before {company car for years}


  • Registered Users, Registered Users 2 Posts: 17,875 ✭✭✭✭MugMugs


    EnterNow wrote: »
    Will FBD be able to retrieve my no claims info themselves, or will I have to get it for them manually? I've never changed companies before {company car for years}

    If you're with FBD then they can get your NCB.

    Otherwise, when you get your renewal from your current insurer they will send you out a NCB cert. Sign this and send it on to FBD when you're incepting your new policy and with any other documentation they may require (some ask for a copy of your licence etc)


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  • Closed Accounts Posts: 33,733 ✭✭✭✭Myrddin


    MugMugs wrote: »
    If you're with FBD then they can get your NCB.

    Otherwise, when you get your renewal from your current insurer they will send you out a NCB cert. Sign this and send it on to FBD when you're incepting your new policy and with any other documentation they may require (some ask for a copy of your licence etc)

    Thanks a mill :)


  • Registered Users, Registered Users 2 Posts: 177 ✭✭nutts_77


    Great thread OP. Lots of very useful info !!

    I am in a situation at the min, and would appreciate any info/advice. I was parked in a carpark last week, when a delightful lady(wife of the insurance policy holder) reversed into me. She accepted responsibility at scene. No gardai called but I did report the accident. Since then she has failed to answer her phone to any of my calls. I have since entered a claim with her insurance. They got back to me to tell me that the policy holder isn't answering their phone or txts. They have said that if they fail to make contact with their insured, that will be unable to settle the claim. He also told me that new regulations mean that they can't send anyone to visit the house of the insured.

    If this person avoids his insurance company, can this case go on indefinitely? How should I proceed?


  • Registered Users, Registered Users 2 Posts: 17,875 ✭✭✭✭MugMugs


    nutts_77 wrote: »
    They got back to me to tell me that the policy holder isn't answering their phone or txts. They have said that if they fail to make contact with their insured, that will be unable to settle the claim.

    I laughed a bit at that.

    That's nice of them.

    Tell them that they have 14 days to sort out your claim ( and put it in writing too ) before you have you solicitor deal with the matter and they can pay his expenses on top of all other costs associated with the matter........


  • Registered Users, Registered Users 2 Posts: 4,290 ✭✭✭-=al=-


    Hey there just a quick Q on cancellation of car insurance... I'm due to renew with NoNonsense at the end of the month for the 2nd year and just wondering how they work with cancellations?

    I pay DD once a month for 8 months but I plan on leaving to go abroad before the end of the year. Is it just a simple case of sorting it out before I go away and maybe just pay some cancellation admin fee? I don't want to get stung with having to pay full whack for the policy or anything?


    It's probably best I stick with them since I may have to pay a deposit if I shop around for a new insurer even if it is ever so slightly better!


    €369 5 years no claims for a '98 1.3 Hyundai accent third party with all the govt levies/ insurer chargesfor a 27 yr old male sound about right?


    Any advice welcome, thanks


  • Registered Users, Registered Users 2 Posts: 17,875 ✭✭✭✭MugMugs


    Generally you're charged pro rata but because you're paying by DD this might not be applicable. Best thing to do is either ask them or check their terms online.


  • Registered Users, Registered Users 2 Posts: 4,290 ✭✭✭-=al=-


    Yep, I think I just have to cancel the DD and they will take it as the policy being cancelled?

    Did a search for the word 'Cancel' on their online policybook.pdf and these are the sections that came up... So I take it the highlighted bit is the one that applies for me?

    wSwcswj.png

    So I'm better off just sticking with this rather than shopping around and paying a deposit for a new policy even if it may be cheaper per month I think


    I'm not fully sure what the bit in condition 9 means though! (There cancelation scale for car insurance is in the top left of the pic)


  • Closed Accounts Posts: 2,190 ✭✭✭Mister Jingles


    Quick question, was involved in a minor bang yesterday (not my fault, other party has admitted liability) however my car will need to be repaired which I reckon will take at least 2-3 days if not more, during those days I will need a replacement car to get me around. I hope to hear from the other parties insurance either today (monday) or tomorrow but i will be letting them know of this. However my question is how is this usually sorted ? Rental company ? If so will there be any problems as I am only 20 ? i.e. isn't there a minimum age to rent a car.


  • Registered Users Posts: 278 ✭✭faral


    wtf of the day??
    Folks I have a question-I recently purchased insurance with AA and when I thought everything is fine I have receive a letter from them asking me for proof of selling/destruction of ma old car? Situation is that I have change my car and bought an insurance on this new one but I still keep the old one with me. So in Ireland I can not owe two or more cars at the same time??


  • Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    Quick question, was involved in a minor bang yesterday (not my fault, other party has admitted liability) however my car will need to be repaired which I reckon will take at least 2-3 days if not more, during those days I will need a replacement car to get me around. I hope to hear from the other parties insurance either today (monday) or tomorrow but i will be letting them know of this. However my question is how is this usually sorted ? Rental company ? If so will there be any problems as I am only 20 ? i.e. isn't there a minimum age to rent a car.

    Usually the garage doing the repairs will give you a temporary replacement car while your own is being repaired, just a matter of doing a temporary substitution of insurance with your company.


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  • Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    faral wrote: »
    wtf of the day??
    Folks I have a question-I recently purchased insurance with AA and when I thought everything is fine I have receive a letter from them asking me for proof of selling/destruction of ma old car? Situation is that I have change my car and bought an insurance on this new one but I still keep the old one with me. So in Ireland I can not owe two or more cars at the same time??

    Ive never heard of an insurance company requesting something like that to be honest and Ive worked in insurance for a number of years.

    The only logic I can think of is that they are afraid you are going to be driving both cars under one insurance policy but the rules for driving other cars exclude this (driving other cars only covers vehicles you don't own yourself) so I really don't see how they can ask for something like that.

    What Id advise is for you to call them and ask exactly why they have requested the proof and Id ask them to provide the reason for the request in writing too.

    Post back here if you get a reason from them, Im interested to know what their game is.


  • Registered Users Posts: 278 ✭✭faral


    Ive never heard of an insurance company requesting something like that to be honest and Ive worked in insurance for a number of years.

    The only logic I can think of is that they are afraid you are going to be driving both cars under one insurance policy but the rules for driving other cars exclude this (driving other cars only covers vehicles you don't own yourself) so I really don't see how they can ask for something like that.

    What Id advise is for you to call them and ask exactly why they have requested the proof and Id ask them to provide the reason for the request in writing too.

    Post back here if you get a reason from them, Im interested to know what their game is.
    After waisting my time and money for 14 minutes listen to this stupid message that all our customer service reps are busy eventually Ive got somebody who put me on hold for another minute and said that everything is perfect and I dont need to send them back anything:/Though she didnt give me a clear answer why they have requested such thing off me


  • Closed Accounts Posts: 2,929 ✭✭✭JaMarcus Hustle


    Quick question guys - if someone is on their 2nd provisional license, it is possible to add someone on their first provisional as a named driver under their insurance? I'm sure it would cost a bomb even if it was?


  • Registered Users, Registered Users 2 Posts: 17,875 ✭✭✭✭MugMugs


    Quick question guys - if someone is on their 2nd provisional license, it is possible to add someone on their first provisional as a named driver under their insurance? I'm sure it would cost a bomb even if it was?

    Of course it is. :)

    Both will still be required to be accompanied by a full licence driver and as you've quite rightly pointed out, the financial impact would be quite significant.


  • Closed Accounts Posts: 2,929 ✭✭✭JaMarcus Hustle


    And is the reason that it's going to cost a lot because the premium holder is a provisional driver or because the named driver is a provisional holder, or a combination of both? Thanks :)


  • Registered Users, Registered Users 2 Posts: 16,930 ✭✭✭✭challengemaster


    The primary premium calculation is always based on the main driver, so the fact the policy holder is on a provisional will be the main reason. Adding a named provisional driver to that will certainly cause the quote to increase though.


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  • Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    Not 100% true,some insurers will allow you to add on a driver to the policy with a provisional licence at no extra charge.

    FBD for example have this option if adding on a spouse or partner as a "mature" driver.

    IIRC they have to be over 25 and be resident with the policy holder for this to occur however I know of instances where the child of a policy holder was added on as a mature driver at no extra cost.They were over 25 but that's about it.

    IIRC,some of the other larger providers also offer a similar service for spouse/partner however ye are right for a common or garden additional provisional driver,it will cost extra.


    :)


  • Registered Users Posts: 224 ✭✭gumgum1


    Hi just a quick question. Can you insure a second car in your own name when you already have insurance on a different car

    I have a car adapted for mother in law and there is going to be sometime when she is gone in the car with my partner that I Will need to drive another car we have an old car parked up and I am just wondering would I be able to get this car insured in my own name too.

    Thanks in advance for any help you can give


  • Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    Yes but you will have to take out a second policy that will essentially be a new policy so you will have no no claims bonus to use.


  • Closed Accounts Posts: 424 ✭✭d.anthony


    Just a quick question here so I dont need to start a new thread.

    Just got my license, going to go out on my own for insurance. Is it possible to put my dad as a named driver on my policy even though he is insured on his own car?


  • Registered Users, Registered Users 2 Posts: 17,875 ✭✭✭✭MugMugs


    d.anthony wrote: »
    Just a quick question here so I dont need to start a new thread.

    Just got my license, going to go out on my own for insurance. Is it possible to put my dad as a named driver on my policy even though he is insured on his own car?

    Absolutely as long as he has a licence and isn't banned from driving already then you can name him on your policy.

    If doing this isn't dropping price for you then your father could also be entitled to drive your vehicle under his own policies Third Party Extension. He'd need to make sure that he has that first though :)


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  • Registered Users, Registered Users 2 Posts: 11,465 ✭✭✭✭cantdecide


    Yes. Many many times. Lots of insurance companies have refused to quote because of my age, my car or my lack of NCD at different times. Of course, these were nothing personal or particular to me. It was their modelling. I think most of us have been refused insurance many many times similarly.

    Am I telling a bald face lie every time I get a new quote?

    Furthermore, I got the following from FBD after having several false starts with regard to my car, which has been off the road, having no NCT for over 6 months (the stated reason- the car is now NCT'd as of yesterday).

    "Dear cantdecide,

    We refer to your request for Motor Insurance Quotation on 17th July 2013.

    We are unable to quote for this risk for the following reasons:

    -Your vehicle profile does not meet our New Business Underwriting criteria for this channel. These criteria could be for reasons such as Vehicle performance, modifications, value.

    We also wish to advise that you are entitled to contact

    The Declined Cases Committee,
    Irish Insurance Federation,
    39 Molesworth Street,
    Dublin 2"


    So now I've been refused insurance in writing...


  • Registered Users, Registered Users 2 Posts: 8,034 ✭✭✭goz83


    Great post, but I would argue one point
    MugMugs wrote: »
    Do I need to insure a car sitting on the side of the road?

    Technically, no. "It is illegal to drive or be in charge of a vehicle in a public place, unless there is a policy of Insurance in force which covers liabilities for injury or damage caused to others. So by rights, if the car is sitting at the side of the road without Insurance, it isn't an issue until you take charge of it.

    Taking charge of a vehicle does not mean operating it. We seen this argument in a third party extension cover thread, where it was asked if someone was to drive another car that had no policy attached to it and the insured person exited the car and the car then rolled back into another car, who would be responsible. The person in charge of the car would be the person responsible for it at that time, even though the person in charge was not in the vehicle.


  • Registered Users, Registered Users 2 Posts: 17,875 ✭✭✭✭MugMugs


    goz83 wrote: »
    Great post, but I would argue one point



    Taking charge of a vehicle does not mean operating it. We seen this argument in a third party extension cover thread, where it was asked if someone was to drive another car that had no policy attached to it and the insured person exited the car and the car then rolled back into another car, who would be responsible. The person in charge of the car would be the person responsible for it at that time, even though the person in charge was not in the vehicle.

    I've had countless discussions with members of the Gardai and Solicitors on this matter over the years and the general consensus is that if the motor has TAX then it's all good. .

    If you can link me up with anything to support this then fair dues but this was taken from life experience and countless referral journals. :)


  • Registered Users Posts: 152 ✭✭gerbear1


    I'm trying to get insured again - I haven't been driving since 2009 - when I got 2 years no claims bonus. Everywhere says they won't take anything you earned over 2 years ago, so I'm back to square one. I'm 28, with full licence for 8 years. Anybody got any recommendations of a good place I could go? Cheapest quote I've gotten so far is 1,050. I'm looking to buy a 1.4 Ford Focus.


  • Registered Users, Registered Users 2 Posts: 17,875 ✭✭✭✭MugMugs


    gerbear1 wrote: »
    I'm trying to get insured again - I haven't been driving since 2009 - when I got 2 years no claims bonus. Everywhere says they won't take anything you earned over 2 years ago, so I'm back to square one. I'm 28, with full licence for 8 years. Anybody got any recommendations of a good place I could go? Cheapest quote I've gotten so far is 1,050. I'm looking to buy a 1.4 Ford Focus.
    MugMugs wrote: »
    Where can I get an Insurance quote?

    Well you're on the internet so you could use the internet. Click Here.

    Call a few different Brokers OP.

    I've always recommended Aaran Insurance in Harolds Cross.

    I'd suggest trying small brokers as well as the bigger lads like Aon etc.


  • Registered Users Posts: 152 ✭✭gerbear1


    MugMugs wrote: »
    Call a few different Brokers OP.

    I've always recommended Aaran Insurance in Harolds Cross.

    I'd suggest trying small brokers as well as the bigger lads like Aon etc.
    Thanks for the recommendation of Aaran Insurance. I've already rang close to 10 places. Obviously I'm going to miss some, so recommendations like this is what I'm looking for.


    Edit: Just to let you know I rang them and they came in at 974, so 75 euro less than Kelleher insurance.


  • Registered Users, Registered Users 2 Posts: 17,875 ✭✭✭✭MugMugs


    gerbear1 wrote: »


    Edit: Just to let you know I rang them and they came in at 974, so 75 euro less than Kelleher insurance.

    Glad to hear it. With any luck you'll get better elsewhere.

    Whilst they can't do much for me anymore I always found them second to none with competitive quotes when I was in high premium land.


  • Registered Users, Registered Users 2 Posts: 5,925 ✭✭✭GvidoR


    Got the best quote for myself from Cover in a click.


  • Registered Users, Registered Users 2 Posts: 950 ✭✭✭Bettyboop


    Been with AVIVA for 10 yrs and renewal quote is €1,041.60 was €278
    No penalty points or accidents etc.
    Rang them only to be told because of new legislation regarding men/women been insured the same now is why my insurance went up.
    Have been online getting quotes and all seem to be the same less than €300
    Aviva say the best they can do is €978
    Scandalous imo even taking into account new law etc €800 is taking the:mad: P


  • Registered Users, Registered Users 2 Posts: 5,925 ✭✭✭GvidoR


    Bettyboop wrote: »
    Been with AVIVA for 10 yrs and renewal quote is €1,041.60 was €278
    No penalty points or accidents etc.
    Rang them only to be told because of new legislation regarding men/women been insured the same now is why my insurance went up.
    Have been online getting quotes and all seem to be the same less than €300
    Aviva say the best they can do is €978
    Scandalous imo even taking into account new law etc €800 is taking the:mad: P

    That's ridiculous. I guess it's time to get a letter of NCB proof from Aviva and shop around again.


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  • Registered Users, Registered Users 2 Posts: 400 ✭✭marcus2000


    Bettyboop wrote: »
    Aviva say the best they can do is €978
    Scandalous imo even taking into account new law etc €800 is taking the:mad: P

    Last year, they seemed to have a strong preference towards certain drivers, particularly females. From what I can tell, they are now stepping back from lots of different segments. I doubt there are many people that didn't see an increase in their premiums with Aviva. You are probably just unfortunate to fall into a few categories where they have decided to load!!:confused:


  • Registered Users, Registered Users 2 Posts: 17,875 ✭✭✭✭MugMugs


    Bettyboop wrote: »
    Been with AVIVA for 10 yrs and renewal quote is €1,041.60 was €278
    No penalty points or accidents etc.
    Rang them only to be told because of new legislation regarding men/women been insured the same now is why my insurance went up.
    Have been online getting quotes and all seem to be the same less than €300
    Aviva say the best they can do is €978
    Scandalous imo even taking into account new law etc €800 is taking the:mad: P

    Just out of interest, obtain a new quote and don't give the Reg and a different DOB and see what they come back with.


  • Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    Aviva are intentionally shedding literally millions of euro worth of business atm, across all lines, they are also undergoing massive re-structuring internally so to see their premiums jump that much is no surprise.

    TBH I wouldn't even be bothered ringing them when there is such an increase.


  • Registered Users, Registered Users 2 Posts: 5,925 ✭✭✭GvidoR


    Aviva are intentionally shedding literally millions of euro worth of business atm, across all lines, they are also undergoing massive re-structuring internally so to see their premiums jump that much is no surprise.

    TBH I wouldn't even be bothered ringing them when there is such an increase.

    Aviva was actually the only insurance company who wouldn't even give me a quote over the phone. I had to give them my address and they sent me a form to fill out to get a quote, but I didn't bother. Called up pretty much every other company and got a reasonable quote at the end.


  • Registered Users Posts: 278 ✭✭faral


    Lads Aviva for me was always the most expensive insurer since Im here. Last quote from them was 1500 while from competitors I could obtain easily something between 500-650. Obviously I didnt even bother to negotiate over the phone. I can not understand what ind of policy do they apply to its clients and how they manage to have any??:confused:


  • Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    GvidoR wrote: »
    Aviva was actually the only insurance company who wouldn't even give me a quote over the phone. I had to give them my address and they sent me a form to fill out to get a quote, but I didn't bother. Called up pretty much every other company and got a reasonable quote at the end.

    In my experience thats what an insurance company will do with people they don't want to quote for, but have no underwriting basis for declining them over the phone

    The logic is that most people wont be arsed filling in and sending back a manual proposal form.

    Its covering them selves under the consumer protection code because they didn't decline to quote you, they would just make you jump through hoops to get one.


  • Closed Accounts Posts: 8,061 ✭✭✭keith16


    Quick question:

    I have been named driver on my good lady wifes policy for the last 3 years. During this time, I only had a provisional licence / learning permit.

    Finally got round to passing the test there two months ago. So just wondering would I be better off getting a new policy in my name with wifey as named driver?

    Reason I ask is her licence is full EU. We only have the one car and both use it equally.


  • Registered Users, Registered Users 2 Posts: 17,875 ✭✭✭✭MugMugs


    When you say EU, she hasn't changed it over to Ireland yet?


  • Closed Accounts Posts: 8,061 ✭✭✭keith16


    MugMugs wrote: »
    When you say EU, she hasn't changed it over to Ireland yet?

    No! Can she / should she do it? Would she have to do a test here?!


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  • Registered Users, Registered Users 2 Posts: 17,875 ✭✭✭✭MugMugs


    Well she should do it AFAIk after a certain length of residency here. Open to correction on that.

    Doesn't mean she had to re do a test, she just swaps for an Irish one.

    As it stands, she's more experienced and as the main driver, she's probably reducing what the premium would be if you were to take over with a fresh driving licence.

    To get some ideas though you could just log on to the likes of Liberty's or 123.ie's sites and stick your details in (nothing identifying you or anything like DOB or name or reg) and see what it comes back with.

    At present though, I'd say having you named is cheaper than the alternative.


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