Don't try to insure a second car

big dar · 02-05-2019 9:35pm #1

Tried to insure my late fathers car which is now in my name . Car is Opel Astra 1.4 sxi 2005
I wanted just to have a back up to my own car and just to hold onto it as its in good nick etc
I'm driving 22 years with no claims full licence
Cheapest quote 2250 euro
Dearest was 3580 euro:eek:
My own insurance company basically hung up the phone on me
:mad:

SCOOP 64 · 02-05-2019 9:38pm

Even with the age of the car find those quotes mad,who did you ring?

big dar · 02-05-2019 9:47pm

Yes second policy would have no no claims bonus and your experience is not taken into account also seem suspicious as to why you would need a second car

punisher5112 · 02-05-2019 9:48pm

Use on extension if your policy allows but you mustn't own the vehicle....

CiniO · 02-05-2019 9:48pm

I have 4 vehicle insured in my name.
2.2 litre civic, third party fire and theft for €300, + 2x CRV 2 litre petrol third party only for €120 each, and a 125ccm moped for €25.

Thats all based on my own single NCB which are used on all those vehicles.

Not in Ireland though.

s7ryf3925pivug · 02-05-2019 9:49pm

premiums seem to go up a lot once a car is 13 years old.

stefanovich · 02-05-2019 9:49pm

CiniO wrote: »

I have 4 vehicle insured in my name.
2.2 litre civic, third party fire and theft for €300, + 2x CRV 2 litre petrol third party only for €120 each, and a 125ccm moped for €25.

Thats all based on my own single NCB which are used on all those vehicles.

Not in Ireland though.

Insure the person, not the car. Anything else is ridiculous.

stefanovich · 02-05-2019 9:50pm

Mae Squeaking Semifinalist wrote: »

premiums seem to go up a lot once a car is 13 years old.

Depends on the insurer. Aviva are worth a shot, they seem the most reasonable company at the moment.

punisher5112 · 02-05-2019 9:50pm

CiniO wrote: »

I have 4 vehicle insured in my name.
2.2 litre civic, third party fire and theft for €300, + 2x CRV 2 litre petrol third party only for €120 each, and a 125ccm moped for €25.

Thats all based on my own single NCB which are used on all those vehicles.

Not in Ireland though.

That's fantastic but absolutely useless to here....

Ireland insurance is a complete and utter scam fest.

I have trade policy 10 years in my own name they refused to insure me so went to go back on normal policy and I would start with zero no claims and quote of €3k

big dar · 02-05-2019 9:51pm

punisher5112 wrote: »

Use on extension if your policy allows but you mustn't own the vehicle....

I do own it now but probably not for long

stefanovich · 02-05-2019 9:51pm

punisher5112 wrote: »

That's fantastic but absolutely useless to here....

Ireland insurance is a complete and utter scam fest.

I have trade policy 10 years in my own name they refused to insure me so went to go back on normal policy and I would start with zero no claims and quote of €3k

Utter scum

punisher5112 · 02-05-2019 9:53pm

stefanovich wrote: »

Utter scum

I however eventually got them to re insure after 2 weeks no insurance and I couldn't drive at all which was so difficult as I've never not had insurance since 2001.

khaldrogo · 02-05-2019 9:56pm

CiniO wrote:

Not in Ireland though.

So, completely irrelevant to this thread.....

CiniO · 02-05-2019 9:59pm

khaldrogo wrote: »

So, completely irrelevant to this thread.....

It is, but I just couldn't stay silent and not share my happiness with all of ya

Del2005 · 02-05-2019 10:01pm

Mae Squeaking Semifinalist wrote: »

premiums seem to go up a lot once a car is 13 years old.

My mother has a 03 car. If she insured it 3rd party the cheapest quote is nearly €2k for fully comp its only a few hundred Euro. It's not the car that's the problem it's the people taking out 3rd party insurance on old cars.

soc · 02-05-2019 10:08pm

Unfortunately Car Insurance in Ireland is that you can only have ONE Car Insurance policy in your name. As soon as you look for a second, separate policy, like what you are doing, they treat that new policy as if you're a brand new person, with ZERO NCB, and you get charged full whack of premium with no discounts, and the fact that the car is 2005, premium would be fully loaded.

If you have a partner who doesn't have a car insurance policy of their own, they could take out the policy, and have you as a named driver, assuming they have NCB that would discount the premium.

pablo128 · 02-05-2019 10:12pm

Aviva do a multi car policy. Might be worth looking into.

Ubbquittious · 02-05-2019 10:22pm

pablo128 wrote: »

Aviva do a multi car policy. Might be worth looking into.

Do they mind if one of the cars is old?

BrianD3 · 02-05-2019 10:22pm

Try Axa - if you don't have named drivers on either car they may well "mirror" your NCB onto the 2nd policy. If you do have named drivers it may be more problematic

I have done this with them recently and I wasn't an existing customer - went into Axa office and told them if they'd mirror my NCB from my main policy onto a new 2nd policy I would give them two policies. As I can only drive one car at once it would appear to be a win for them. Also a win for me as they were one of the cheapest for my main policy and the 2nd policy was about the same price as the main one.

Axa also seem to be one of the best insurers for older cars in my case my cars are 10 and 20 years old.

Of course I might get shafted by them at renewal time.

Dr_Colossus · 02-05-2019 10:45pm

stefanovich wrote: »

Depends on the insurer. Aviva are worth a shot, they seem the most reasonable company at the moment.

Not in my case, I have house insurance with them but they won't even quote me for car insurance for the past 2 years ever since the car turned 10 years old
What's the point of yearly NCTs when you can't get reasonable insurance on older cars

Turner · 02-05-2019 10:54pm

If the car isnt worth much and you are not that worried about something happening to it you could sell and transfer ownership of your fathers car into another relatives name. If your policy allows "driving of other cars" you will then be insured to drive it.

However when it is parked up anywhere or crashed into or stolen you have no insurance policy to claim from.

Make sure you check your policy schedule though if you have cover to drive other cars.

Some insurers state that the other car has to have a valid insurance policy for your to be covered, buy most do not.

Vic_08 · 03-05-2019 1:15am

stefanovich wrote: »

Depends on the insurer. Aviva are worth a shot, they seem the most reasonable company at the moment.

If I remember correctly Aviva were the instigators of the blanket bans on insuring cars based on age.

They are also the main insurer who won't cover driving other cars if it is not already insured which makes that extension much less useful and potentially a criminal conviction trap.

JohnBoy26 · 03-05-2019 2:52am

Del2005 wrote: »

My mother has a 03 car. If she insured it 3rd party the cheapest quote is nearly €2k for fully comp its only a few hundred Euro. It's not the car that's the problem it's the people taking out 3rd party insurance on old cars.

No the problem is the insurance industry. Also I know in my case I found it very difficult to get insurance on my 1998 car back in 2016 and 2017 and I couldn't get fully comp on it. They would only insure it third party fire & theft.

wonski · 03-05-2019 3:25am

JohnBoy26 wrote: »

No the problem is the insurance industry. Also I know in my case I found it very difficult to get insurance on my 1998 car back in 2016 and 2017 and I couldn't get fully comp on it. They would only insure it third party fire & theft.

I checked my 05 on all possible levels of covers and tpft was always the cheapest, so not sure where Del got this idea. I would obviously pick comprehensive, even if I wasn't to use it anyway to protect the ncb.

It does seem however that insurance companies are now offering good quotes on older car this year. I am just guessing here, but they probably realised they messed up when looked at last 2 years premiums intake...

stefanovich · 03-05-2019 6:39am

Vic_08 wrote: »

If I remember correctly Aviva were the instigators of the blanket bans on insuring cars based on age.

They are also the main insurer who won't cover driving other cars if it is not already insured which makes that extension much less useful and potentially a criminal conviction trap.

I have car over the age and got a very good quote with them. They may have changed policy. 500 TPF&T for a 20 year old car.

Eggs For Dinner · 03-05-2019 8:59am

My wife's car is insured with Aviva. '07 Ford Focus. It hasn't gone near €350 for he last number of years. Comp, full NCB protection, DOC etc

Heckler · 03-05-2019 9:22am

I'm with Aviva and renewed my policy last week. Driving full licence with no claims for the last 24 years and it goes up year upon year. 600euro this year when it was just over 400 about 4 years ago. Drives me nuts. No regulation whatsoever.

Creamy Goodness · 03-05-2019 10:11am

Mae Squeaking Semifinalist wrote: »

premiums seem to go up a lot once a car is 13 years old.

driving a 14 year old BMW for the last three years insurance hovering at the €700-750 mark for each of the years. 12 years full licence, 5 years NCB, fully comp, breakdown assist etc. with axa.

I'd really love to know how their algorithms work, I'm happy enough with the €700~, it's up in June so hoping for around the same as I'm planning to flog the car in February next year when bonus time rolls in.

stefanovich · 03-05-2019 10:51am

Heckler wrote: »

I'm with Aviva and renewed my policy last week. Driving full licence with no claims for the last 24 years and it goes up year upon year. 600euro this year when it was just over 400 about 4 years ago. Drives me nuts. No regulation whatsoever.

Do you not shop around? They all penalise the lazy. Ring them up and tell them you got a better quote and they will likely match it.

K.Flyer · 03-05-2019 11:00am

stefanovich wrote: »

Depends on the insurer. Aviva are worth a shot, they seem the most reasonable company at the moment.

Definitely give Aviva a call.
For the first time in a number of years our policy renewal was Under 400 euro F.C.. (08 mondeo 1.6 in Dublin)

stefanovich · 03-05-2019 11:05am

K.Flyer wrote: »

Definitely give Aviva a call.
For the first time in a number of years our policy renewal was Under 400 euro F.C.. (08 mondeo 1.6 in Dublin)

Guy on the phone said they were trying to gain customers at the moment.

Irishcrx · 03-05-2019 1:13pm

Yep , car insurance in Ireland is a challenge alright...I don't know why they don't mirror the NCB over to a second car like you can only drive one of them at a time so it's hardly additional risk as long as they are both yours.

I have two cars , not because I need 2 but because I love cars and wanted 2 one as my daily driver and one as my weekend cruiser. I have two policies , main policy with AIG and Classic Policy with Autoline who I actually think are under written by AIG.

This seems to be the only legit way of getting a second policy is one is a classic.

CiniO · 03-05-2019 1:39pm

stefanovich wrote: »

Guy on the phone said they were trying to gain customers at the moment.

No surprise considering how they treated their current customers for last few years, they musy have lost big percentage of them. So surely they need new ones.

BonnieSituation · 03-05-2019 1:43pm

soc wrote: »

Unfortunately Car Insurance in Ireland is that you can only have ONE Car Insurance policy in your name. As soon as you look for a second, separate policy, like what you are doing, they treat that new policy as if you're a brand new person, with ZERO NCB, and you get charged full whack of premium with no discounts, and the fact that the car is 2005, premium would be fully loaded.

If you have a partner who doesn't have a car insurance policy of their own, they could take out the policy, and have you as a named driver, assuming they have NCB that would discount the premium.

Aviva don't. You do have to get a second policy though but your NCB and experience do transfer.

Multicar is also an option with Aviva IF you're over 40.

CiniO · 03-05-2019 1:52pm

What I wonder is if you get second policy and start building your NCB from scratch can you actually have 2 separate Full NCB after 5 years. And then have 2 cheap policies both with full experience and full NCB?

What happens if you have a claim in one of your policies? You loose that NCB but does NCB from other policy stays intact and does your premium on other policy stay intact?

K.Flyer · 03-05-2019 2:20pm

CiniO wrote: »

What I wonder is if you get second policy and start building your NCB from scratch can you actually have 2 separate Full NCB after 5 years. And then have 2 cheap policies both with full experience and full NCB?

What happens if you have a claim in one of your policies? You loose that NCB but does NCB from other policy stays intact and does your premium on other policy stay intact?

I have two policies, with full NCB built up on each one separately.
Can't answer the second part, and touch wood never have to find out. But I would hope that it would only be the policy that had the claim against it that losses it's NCB.
Although, given the question asked of any accidents, claims or convictions etc on renewal, you may not lose the NCB, but you could find yourself being loaded if you were found to be at fault / increased risk.

stefanovich · 03-05-2019 2:33pm

CiniO wrote: »

No surprise considering how they treated their current customers for last few years, they musy have lost big percentage of them. So surely they need new ones.

I think all insurance companies are bastards, you just need to limit how much harm they cause you.

I have changed a few times, always because they have tried to rip me off. I am running out of possibilities.

AA -> bastards
AXA -> bastards
Aviva -> Only a matter of time before I conclude, BASTARDS!

Heckler · 03-05-2019 2:56pm

stefanovich wrote: »

Do you not shop around? They all penalise the lazy. Ring them up and tell them you got a better quote and they will likely match it.

I did. And was quoted 50euro extra !

Heckler · 03-05-2019 3:01pm

Its bordering on the criminal how they can dictate the prices. When renewing I asked the lady on the phone( I made it clear I wasn't blaming her) how is my insurance going up year by year with no claims. Waffle Waffle Waffle ok thanks bye.

CiniO · 03-05-2019 3:24pm

stefanovich wrote: »

I think all insurance companies are bastards, you just need to limit how much harm they cause you.

IS!

I think there is a difference though.
My wife had Aviva policy on a car for years, and eventually we had very bad experience with them. They made us trouble for the whole year requiring documents out of the blue, and eventually they left us stranded on the other side of the country when we tried to pick up a car we just bought making us unable to drive it.
After renewal we took policy with someone else even though it was considerable more expensive.

On the other hand I had a policy with Allianz for over 10 years and they always accommodated my needs and dealing with them was always good experience. Obviously premium was high as every insurer in Ireland, but at least customer service was right.

Del2005 · 03-05-2019 4:22pm

wonski wrote: »

I checked my 05 on all possible levels of covers and tpft was always the cheapest, so not sure where Del got this idea. I would obviously pick comprehensive, even if I wasn't to use it anyway to protect the ncb.

TPFT is different from TPO. So we both have the same experience, the only thing which makes old cars expensive to insure is if you don't insure the actual car.

Del2005 · 03-05-2019 4:25pm

CiniO wrote: »

What I wonder is if you get second policy and start building your NCB from scratch can you actually have 2 separate Full NCB after 5 years. And then have 2 cheap policies both with full experience and full NCB?

What happens if you have a claim in one of your policies? You loose that NCB but does NCB from other policy stays intact and does your premium on other policy stay intact?

I have a separate bike and car policy because we don't have 6 wheel policies either. If I have a claim on 1 I loose that NCD, the other I will still have my full NCD but my premium will be affected by the claim on the other policy.

wonski · 03-05-2019 4:44pm

Del2005 wrote: »

TPFT is different from TPO. So we both have the same experience, the only thing which makes old cars expensive to insure is if you don't insure the actual car.

We don't have the same experience because you said that older cars are expensive to insure as we do pay extra for going for full comprehensive. Maybe some people do make mistakes like that, but I definitely didn't and the difference between levels of covers was minimal.

Most insurers don't even offer tpo, tpft is a basic level of cover these days.

Edit:It was actually the other way around - tpft was way more expensive than comprehensive in your example.

lalababa · 03-05-2019 8:52pm

Del2005 wrote: »

Mae Squeaking Semifinalist wrote: »

premiums seem to go up a lot once a car is 13 years old.

My mother has a 03 car. If she insured it 3rd party the cheapest quote is nearly €2k for fully comp its only a few hundred Euro. It's not the car that's the problem it's the people taking out 3rd party insurance on old cars.

Whaaaat?? What's going on with that?

swarlb · 03-05-2019 9:47pm

I have 2 vehicles insured in my name, on separate policy's, with different insurance companies. One costs about €380 (a 12 year old 1.2 car) and the other costs about €600 (a 20 year old 4x4 commercial). Both have a full NCB. I've never had any difficulty doing this.

lalababa · 03-05-2019 10:55pm

There's something thing wrong in the insurance sector ...who you gonna call.....another insurance company you might get 50quid less. Your local TD? Maybe with the euro elections comming up we could email the candidate s with our rightious bile.

lalababa · 03-05-2019 11:17pm

Actually that mightn't be a bad idea as alot of good legislation comes from Europe, they might put a few manners on us!

antodeco · 03-05-2019 11:19pm

I've 4 cars insured. 2015 1.5, 1998 2.8, 1980 1.3, 1976 1.0

All comes in at under 1K fully comp.

Muppet Man · 03-05-2019 11:26pm

antodeco wrote: »

I've 4 cars insured. 2015 1.5, 1998 2.8, 1980 1.3, 1976 1.0

All comes in at under 1K fully comp.

with who?

antodeco · 04-05-2019 9:42am

Muppet Man wrote: »

with who?

Split over 2 policies, 123 and First Ireland.

BrianD3 · 04-05-2019 10:23am

antodeco wrote: »

Split over 2 policies, 123 and First Ireland.

Classic car policy for the 98, 80 and 76?

I asked First Ireland about classic policies a few years ago and they wouldn't help me as the cars i was asking about, while old enough, weren't deemed to be classics. I note on their Classic Car assumptions page

The Vehicle MUST NOT:
be mass produced. (Car types such as a Fiat Punto do not qualify under our classic car scheme)

LMAO at this given that the vast majority of cars produced for many decades have been "mass produced".

Don't try to insure a second car

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