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Don't try to insure a second car

2

Comments

  • #32
    Irishcrx
    Registered Users Posts: 2,861 ✭✭✭Irishcrx


    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.


  • #33
    CiniO
    Registered Users Posts: 16,088 ✭✭✭✭CiniO


    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.


  • #34
    BonnieSituation
    Registered Users Posts: 18,921 ✭✭✭✭BonnieSituation


    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.


  • #35
    CiniO
    Registered Users Posts: 16,088 ✭✭✭✭CiniO


    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?


  • #36
    K.Flyer
    Registered Users Posts: 8,565 ✭✭✭K.Flyer


    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.


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  • #37
    stefanovich
    Registered Users Posts: 5,490 ✭✭✭stefanovich


    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!


  • #38
    Heckler
    Registered Users Posts: 3,322 ✭✭✭Heckler


    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 !


  • #39
    Heckler
    Registered Users Posts: 3,322 ✭✭✭Heckler


    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.


  • #40
    CiniO
    Registered Users Posts: 16,088 ✭✭✭✭CiniO


    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.


  • #41
    Del2005
    Registered Users Posts: 18,847 ✭✭✭✭Del2005


    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.


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  • #42
    Del2005
    Registered Users Posts: 18,847 ✭✭✭✭Del2005


    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.


  • #43
    wonski
    Registered Users Posts: 13,687 ✭✭✭✭wonski


    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.


  • #44
    lalababa
    Registered Users Posts: 1,726 ✭✭✭lalababa


    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?


  • #45
    swarlb
    Registered Users Posts: 1,244 ✭✭✭swarlb


    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.


  • #46
    lalababa
    Registered Users Posts: 1,726 ✭✭✭lalababa


    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.


  • #47
    lalababa
    Registered Users Posts: 1,726 ✭✭✭lalababa


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


  • #48
    antodeco
    Registered Users, Subscribers Posts: 13,418 ✭✭✭✭antodeco


    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.


  • #49
    Muppet Man
    Registered Users Posts: 1,650 ✭✭✭Muppet Man


    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?


  • #50
    antodeco
    Registered Users, Subscribers Posts: 13,418 ✭✭✭✭antodeco


    Muppet Man wrote: »
    with who?

    Split over 2 policies, 123 and First Ireland.


  • #51
    BrianD3
    Registered Users Posts: 8,261 ✭✭✭BrianD3


    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".


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  • #52
    antodeco
    Registered Users, Subscribers Posts: 13,418 ✭✭✭✭antodeco


    Yup. My 98 is a BMW, so mass produced is my assumption.


  • #53
    stone12
    Registered Users Posts: 15 ✭stone12


    A few years ago my insurance company Axa,quoted me 1000 punts - up from 600 the year before. I went to Hibernian for my 600 punts quote. My workmate had to do the same move only in reverse- he got my 600 punts quote from my old insurance company - does any of that make sense to anybody !



  • #54
    stone12
    Registered Users Posts: 15 ✭stone12


    Is it true that in the USA insurance is paid on the price of fuel - which means everyone has insurance all the time. Sounds really ideal - imagine all the suits who would have to find some other sugar daddy to keep them in the luxury they have become accustomed to.



  • #55
    blackbox
    Registered Users Posts: 4,075 ✭✭✭blackbox


    I have 2 cars insured with separate companies.

    I got no NCB on the second one but I did get a discount for being an accident free named driver on my my wife's car policy. There's no logic to insurance here.



  • #56
    Del2005
    Registered Users Posts: 18,847 ✭✭✭✭Del2005


    https://www.boards.ie/discussion/comment/121292768#Comment_121292768

    No insurance in the USA is getting as bad if not worse than here, people are paying several hundred Dollars a month for fairly modest vehicles. New Zealand, and IIRC Australia, have basic insurance a part of their vehicle registration process but it covers feck all so most people take out extra insurance.



  • #57
    Eggs For Dinner
    Registered Users Posts: 2,931 ✭✭✭Eggs For Dinner


    Whatever system of funding compensation for injury and damage is in place, it will still have to be administered (assessors, legal, finance, medical etc.) Do you honestly think that applying a cost to motor tax or fuel will lead to savings for the motorist if the system is run by a government department and civil servants?



  • #58
    SherryG
    Registered Users Posts: 16 ✭SherryG


    https://www.boards.ie/discussion/comment/121292844#Comment_121292844

    hi blackbox, what company in Ireland is that with? thx



  • #59
    whomitconcerns
    Registered Users Posts: 4,306 ✭✭✭whomitconcerns


    https://www.boards.ie/discussion/comment/121292756#Comment_121292756

    Why did you reopen a zombie post...

    I just wasted my time reading this ancient non issue..😭😭😭😭😭😭



  • #60
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,611 Mod ✭✭✭✭Henry Ford III


    https://www.boards.ie/discussion/comment/110084591#Comment_110084591

    Which renders your post irrelevant.



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  • #61
    1874
    Registered Users Posts: 2,382 ✭✭✭1874


    https://www.boards.ie/discussion/comment/110084577#Comment_110084577

    suspicious? to who? Maybe it will be a future classic?? I was not a fan of that particular model some of the older Astras and Kadets more so, what mileage is on it? another year and you might be able to get it on Classic Insurance from the North? I have a car a bit older than 20 years on classic insurance from the North.

    Do you have a partner, mother or sibling who doesn't drive much but is a named driver on another policy, ie transfer it into the name of someone you trust (keep the reg document and get them to sign it to transfer it back to you anyway so you can transfer it to yourself or anyone else if you decide to sell). They might be able to use their record to get insurance in their name, which may take into account their driving history, but with you as a named driver? and still keep their named driver status elsewhere. You were expecting to pay insurance anyway, if you paid for that, then it is covered.

    The only other option is, transfer the vehicle to someone as mentioned above (so someone that you trust) and check or change your insurance so you have driving of other vehicles covered on your own policy.

    How about try ringing brokers? rather than the big insurance companies.



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