Last weekend I went on to confused.com to look for car insurance, the best quote of £314, so clicked to purchase the insurance online.
I was directed through to the website of Budget Insurance, where the £314 was displayed again. I confirmed my details, car make, no claims bonus etc. etc. and chose the payment method i.e. my credit card.
All was fine, until I received the policy document within a couple of minutes of completing the transaction. It stated in the policy document that my card would be charged £623 'as agreed'!!!
When I got on the phone to Budget Insurance, they could see the history of my purchase on their site etc. but stated that I had agreed to pay £623. This was complete bull, I sent them a capture of the confused.com site which they refused to take into consideration. So I immediately cancelled the policy. They refunded me the full payment, apart from £20, which they claimed is an admin charge to cancel the policy.
Question 1: As the policy was being cancelled within the 14 day cooling off period, have they a right to charge a cancellation fee?
Question 2: Am I within my rights to have the credit card company refund the full amount, under standard credit card protection, citing the mis-sold policy?
I'd say it'd be worth a try.
What bothers me more, though, is that you accepted the initial amount you were quoted.
Ya don't wanna do that! as that Harry Enfield character said. The initial quote always has a haggle allowance built in. Call them up, tell them you have a quote of say 20% less and haggle, haggle, haggle. They'll always come down and you have nothing to lose. After two calls when they won't come down any further, you know you have their real price.
I didnt know until recently you can cancel any credit card payment - a card payment doesnt clear for about 3 working days.
QuoteWhat bothers me more, though, is that you accepted the initial amount you were quoted.
Ya don't wanna do that! as that Harry Enfield character said. The initial quote always has a haggle allowance built in. Call them up, tell them you have a quote of say 20% less and haggle, haggle, haggle. They'll always come down and you have nothing to lose. After two calls when they won't come down any further, you know you have their real price.
Believe me, I phoned around the usual suspects for quotes which were all coming in over the £400 mark, so was just delighted to see a quote at £314. Ended up getting it for £321 through Tesco.
Is that for a whole year? or 6 months.
My insurance is up now at the end of the month and they want $580 for the 6 months.
Car insurance is a scam and a load of balls,was in the states for 2 years and as such had no car insurance out,returned last week and went to insure a car so rang quinn direct to renew my policy,only for them to tell me that since ive been away for 2 years that i have lost my 6 years no claims bonus i had built up and that i had to start from the begining again,robbing pricks
QuoteIs that for a whole year? or 6 months.
For 12 months.
Car insurance is nothing but legalised robbery. You have to have it, but once you try claiming they will do everything in their power to find a loophole to prevent them paying up. Absolute joke!
When you do get a quote that your happy enough with you should also try a few cashback websites to see if that insurer is listed and therefore make money on taking out the insurance.
Don't go near Quinn Direct I'd say... Been working in Insurance for 2 months now and that's the main thing I learned. They will fall over themselves and offer ridiculous prices to get business but they will do ANYTHING to get out of a claim! Beware!!
If you are a Bank of Ireland customer give them a call for insurance they have a deal going with Hughes insurance. Will match lowest price plus put £40 into your account.
Who is the best company to go look at?
Mine is up now and I am on the lookout.
I got a mighty deal for my car insurance through the Post Office (via gocompare.com) Just renewed by house insurance today through gocompare again saving a right bit - I did notice that my original quote disappeared sharpish once you were redirected from gocompare to the relevant website. 2 good deals, hopefully I'll not have to find out how good a deal they really are!
i got a letter (as i expected) from quinn direct there last week stating that they were not able to offer me a renewal policy when my current one expires at the end of the month.
I then today got another letter now stating that they are delighted to be able to offer me a renewal of my policy when it expires. All this in the space of ten days, why the turn around, what should i do?
My insurance is now up at the end of May. Am currently with Open & Direct and the renewal price came in dearer than last year. Has anyone else experienced this. Apparently car insurance has gone up this year generally.
However, went into a place close to work at lunch time and got quoted a price of £360 compared to the £414 of my renewal price so I was happy enough with that. However they first quoted £518 but were soon able to find something else when I told them the price I already had. Will change over this month. Am also going to forget about the direct debit this year and just pay all in one go. It was an extra £40-50 just to pay monthly!
Quote from: Brick Tamlin on May 12, 2010, 06:34:26 PM
i got a letter (as i expected) from quinn direct there last week stating that they were not able to offer me a renewal policy when my current one expires at the end of the month.
I then today got another letter now stating that they are delighted to be able to offer me a renewal of my policy when it expires. All this in the space of ten days, why the turn around, what should i do?
The regulator had stopped the UK and NI markets for a short period of time until they worked out that they were actually profitable.
Now they have removed the restriction which should never have been put in place in the first place hence why they can now offer the renewal. But I wouldn't get excited as they still forcing QD to increase premiums by over 50% so the chances of it being competitive are slim!
Quote from: Jimmy on May 12, 2010, 07:25:23 PM
My insurance is now up at the end of May. Am currently with Open & Direct and the renewal price came in dearer than last year. Has anyone else experienced this. Apparently car insurance has gone up this year generally.
However, went into a place close to work at lunch time and got quoted a price of £360 compared to the £414 of my renewal price so I was happy enough with that. However they first quoted £518 but were soon able to find something else when I told them the price I already had. Will change over this month. Am also going to forget about the direct debit this year and just pay all in one go. It was an extra £40-50 just to pay monthly!
My insurance is up end of May as well, got a good quote from Open & Direct but I'd be interested to know the name of this other firm you went to Jimmy - see if they can do anything for me?
Quote from: Jimmy on May 12, 2010, 07:25:23 PM
My insurance is now up at the end of May. Am currently with Open & Direct and the renewal price came in dearer than last year. Has anyone else experienced this. Apparently car insurance has gone up this year generally.
However, went into a place close to work at lunch time and got quoted a price of £360 compared to the £414 of my renewal price so I was happy enough with that. However they first quoted £518 but were soon able to find something else when I told them the price I already had. Will change over this month. Am also going to forget about the direct debit this year and just pay all in one go. It was an extra £40-50 just to pay monthly!
Yes, my renewal quote from Axa has gone from £560 to £630... and I am getting older, the car is getting older, the premiums are on the rise according to them, I reckon they think a major player is on the ropes so lets just crank it up a bit on every policy as no-one will go for Quinn now
Quote from: sammymaguire on May 13, 2010, 09:17:25 AM
Quote from: Jimmy on May 12, 2010, 07:25:23 PM
My insurance is now up at the end of May. Am currently with Open & Direct and the renewal price came in dearer than last year. Has anyone else experienced this. Apparently car insurance has gone up this year generally.
However, went into a place close to work at lunch time and got quoted a price of £360 compared to the £414 of my renewal price so I was happy enough with that. However they first quoted £518 but were soon able to find something else when I told them the price I already had. Will change over this month. Am also going to forget about the direct debit this year and just pay all in one go. It was an extra £40-50 just to pay monthly!
Yes, my renewal quote from Axa has gone from £560 to £630... and I am getting older, the car is getting older, the premiums are on the rise according to them, I reckon they think a major player is on the ropes so lets just crank it up a bit on every policy as no-one will go for Quinn now
We are with Quinn in the South at the minute but are moving back north. To transfer ourbusiness with Quinn it will cost us £1100 to take out a new policy. I went to Autoline in Newry and got a quote for Axa coming in at £345. I know Quinn are trying to reduce their business but that is silly. The thing too is the guy who quoted me is an old friend from school so I got a few extra quid off. Anyone interested I can send you his direct line and details.
Quote from: sammymaguire on May 13, 2010, 09:17:25 AM
Quote from: Jimmy on May 12, 2010, 07:25:23 PM
My insurance is now up at the end of May. Am currently with Open & Direct and the renewal price came in dearer than last year. Has anyone else experienced this. Apparently car insurance has gone up this year generally.
However, went into a place close to work at lunch time and got quoted a price of £360 compared to the £414 of my renewal price so I was happy enough with that. However they first quoted £518 but were soon able to find something else when I told them the price I already had. Will change over this month. Am also going to forget about the direct debit this year and just pay all in one go. It was an extra £40-50 just to pay monthly!
Yes, my renewal quote from Axa has gone from £560 to £630... and I am getting older, the car is getting older, the premiums are on the rise according to them, I reckon they think a major player is on the ropes so lets just crank it up a bit on every policy as no-one will go for Quinn now
Just got my renewal through from AXA and its the same if not slightly lower than last year.
When looking for mine last year in Mayo called Hibernian and got quoted €800, went into their office in town and got it for €600, how can the same company have €200 in the difference from their call centre in Galway and the office in the town?
That was happening me last year - through axa direct over the phone it was £160 quid dearer than Axa online. I couldnt seem to get it online cos they couldnt pick up my address online (new build nowhere seems able to pick up the house no). So they were basically telling me that because they couldnt give me an option to manually enter my address i had to pay £160 more.
Quote from: BenDover on May 13, 2010, 09:07:14 AM
Quote from: Jimmy on May 12, 2010, 07:25:23 PM
My insurance is now up at the end of May. Am currently with Open & Direct and the renewal price came in dearer than last year. Has anyone else experienced this. Apparently car insurance has gone up this year generally.
However, went into a place close to work at lunch time and got quoted a price of £360 compared to the £414 of my renewal price so I was happy enough with that. However they first quoted £518 but were soon able to find something else when I told them the price I already had. Will change over this month. Am also going to forget about the direct debit this year and just pay all in one go. It was an extra £40-50 just to pay monthly!
My insurance is up end of May as well, got a good quote from Open & Direct but I'd be interested to know the name of this other firm you went to Jimmy - see if they can do anything for me?
It was Hughes Insurance. Called into their branch in Magherafelt during lunch one day.
I've been working in Commercial Insurance for the last 6 months but due to the amount of calls we've been getting I've been fired into the Private Car department.
In the wake of Jeromegate I won't mention what company I work for but it is a reputable NI Broker so if anyone is looking for a quote they can pm me.
Anyway I know people go mad about being charged a certain Renewal premium then going back and getting it quoted an extra £50-60 cheaper but that is just the way it works. Insurance Companies won't budge their price unless they are up against something else.
Brokers are really caught in the middle of this then as certain Brokers will have deals with different Insurance companies which is why you could ring Hughes for an Axa quote and then ring Caulfields and also get an Axa quote 15-20% cheaper.
Also at different times of the year certain Insurance companies will be cheaper than others. We are in the middle of trying to get a deal with a major insurance company that will bring us huge business but you can be sure 5/6 months down the line when the claims come in the premiums will be whacked up and we will no longer be competitive.
I've only started in Private Car anyway and its a bit of a head melter to be honest but if anyone has any questions I'll do my best to answer them.
Quote from: brokencrossbar1 on May 13, 2010, 10:07:01 AM
Quote from: sammymaguire on May 13, 2010, 09:17:25 AM
Quote from: Jimmy on May 12, 2010, 07:25:23 PM
My insurance is now up at the end of May. Am currently with Open & Direct and the renewal price came in dearer than last year. Has anyone else experienced this. Apparently car insurance has gone up this year generally.
However, went into a place close to work at lunch time and got quoted a price of £360 compared to the £414 of my renewal price so I was happy enough with that. However they first quoted £518 but were soon able to find something else when I told them the price I already had. Will change over this month. Am also going to forget about the direct debit this year and just pay all in one go. It was an extra £40-50 just to pay monthly!
Yes, my renewal quote from Axa has gone from £560 to £630... and I am getting older, the car is getting older, the premiums are on the rise according to them, I reckon they think a major player is on the ropes so lets just crank it up a bit on every policy as no-one will go for Quinn now
We are with Quinn in the South at the minute but are moving back north. To transfer ourbusiness with Quinn it will cost us £1100 to take out a new policy. I went to Autoline in Newry and got a quote for Axa coming in at £345. I know Quinn are trying to reduce their business but that is silly. The thing too is the guy who quoted me is an old friend from school so I got a few extra quid off. Anyone interested I can send you his direct line and details.
Unfortunately this isn't Quinn's choice BC. He is being priced out of it by the regulator imposing price increases. There'll be a knock on effect of this which all insurance costs increasing slightly. Until the time comes that the regulator steps away from QD they're not going to be competitive in the UK and NI markets. It's slowly killing the business.
QuoteI've been working in Commercial Insurance for the last 6 months but due to the amount of calls we've been getting I've been fired into the Private Car department.
In the wake of Jeromegate I won't mention what company I work for but it is a reputable NI Broker so if anyone is looking for a quote they can pm me.
Anyway I know people go mad about being charged a certain Renewal premium then going back and getting it quoted an extra £50-60 cheaper but that is just the way it works. Insurance Companies won't budge their price unless they are up against something else.
Brokers are really caught in the middle of this then as certain Brokers will have deals with different Insurance companies which is why you could ring Hughes for an Axa quote and then ring Caulfields and also get an Axa quote 15-20% cheaper.
Also at different times of the year certain Insurance companies will be cheaper than others. We are in the middle of trying to get a deal with a major insurance company that will bring us huge business but you can be sure 5/6 months down the line when the claims come in the premiums will be whacked up and we will no longer be competitive.
I've only started in Private Car anyway and its a bit of a head melter to be honest but if anyone has any questions I'll do my best to answer them.
Briefcase w**ker...
Quote from: supersarsfields on May 14, 2010, 09:39:59 AM
Quote from: brokencrossbar1 on May 13, 2010, 10:07:01 AM
Quote from: sammymaguire on May 13, 2010, 09:17:25 AM
Quote from: Jimmy on May 12, 2010, 07:25:23 PM
My insurance is now up at the end of May. Am currently with Open & Direct and the renewal price came in dearer than last year. Has anyone else experienced this. Apparently car insurance has gone up this year generally.
However, went into a place close to work at lunch time and got quoted a price of £360 compared to the £414 of my renewal price so I was happy enough with that. However they first quoted £518 but were soon able to find something else when I told them the price I already had. Will change over this month. Am also going to forget about the direct debit this year and just pay all in one go. It was an extra £40-50 just to pay monthly!
Yes, my renewal quote from Axa has gone from £560 to £630... and I am getting older, the car is getting older, the premiums are on the rise according to them, I reckon they think a major player is on the ropes so lets just crank it up a bit on every policy as no-one will go for Quinn now
We are with Quinn in the South at the minute but are moving back north. To transfer ourbusiness with Quinn it will cost us £1100 to take out a new policy. I went to Autoline in Newry and got a quote for Axa coming in at £345. I know Quinn are trying to reduce their business but that is silly. The thing too is the guy who quoted me is an old friend from school so I got a few extra quid off. Anyone interested I can send you his direct line and details.
Unfortunately this isn't Quinn's choice BC. He is being priced out of it by the regulator imposing price increases. There'll be a knock on effect of this which all insurance costs increasing slightly. Until the time comes that the regulator steps away from QD they're not going to be competitive in the UK and NI markets. It's slowly killing the business.
I know sarsfield and I think it is a shame as it is going to have a major effect on the amount of business that the company can bring in. Obviously push up the prices a bit but don't make it completely unrealistic. Trust me there would be people who would be prepared to pay a small bit extra if it meant keeping QI afloat to save the jobs, me included, but not to the levels that were quoted to me.
Quote from: brokencrossbar1 on May 14, 2010, 09:47:03 AM
Quote from: supersarsfields on May 14, 2010, 09:39:59 AM
Quote from: brokencrossbar1 on May 13, 2010, 10:07:01 AM
Quote from: sammymaguire on May 13, 2010, 09:17:25 AM
Quote from: Jimmy on May 12, 2010, 07:25:23 PM
My insurance is now up at the end of May. Am currently with Open & Direct and the renewal price came in dearer than last year. Has anyone else experienced this. Apparently car insurance has gone up this year generally.
However, went into a place close to work at lunch time and got quoted a price of £360 compared to the £414 of my renewal price so I was happy enough with that. However they first quoted £518 but were soon able to find something else when I told them the price I already had. Will change over this month. Am also going to forget about the direct debit this year and just pay all in one go. It was an extra £40-50 just to pay monthly!
Yes, my renewal quote from Axa has gone from £560 to £630... and I am getting older, the car is getting older, the premiums are on the rise according to them, I reckon they think a major player is on the ropes so lets just crank it up a bit on every policy as no-one will go for Quinn now
We are with Quinn in the South at the minute but are moving back north. To transfer ourbusiness with Quinn it will cost us £1100 to take out a new policy. I went to Autoline in Newry and got a quote for Axa coming in at £345. I know Quinn are trying to reduce their business but that is silly. The thing too is the guy who quoted me is an old friend from school so I got a few extra quid off. Anyone interested I can send you his direct line and details.
Unfortunately this isn't Quinn's choice BC. He is being priced out of it by the regulator imposing price increases. There'll be a knock on effect of this which all insurance costs increasing slightly. Until the time comes that the regulator steps away from QD they're not going to be competitive in the UK and NI markets. It's slowly killing the business.
I know sarsfield and I think it is a shame as it is going to have a major effect on the amount of business that the company can bring in. Obviously push up the prices a bit but don't make it completely unrealistic. Trust me there would be people who would be prepared to pay a small bit extra if it meant keeping QI afloat to save the jobs, me included, but not to the levels that were quoted to me.
Yeah I think that's the way alot of people feel. But all we can do is hope they get back control over the pricing sooner rather than later.
Wel folks, looking for your help!
Trying to sort out my car insurance for the first time (ma normally does it for me!) and looking to know how does a no claims bonus work. Does it mean how long you have had insurance altogether without making a claim ie named driver for 6 years before being full policy holder for 1 year, is that 7 years no claims, or just 1 for the year of full policy holder?
Thanks
Ud have to explain 6 years of that was named driving experience no claims i would think - but i think the only no claims that will count is that in your own name - cos named driving experience is effectively no claims on ur parents policy - id imagine the 1 years will count
Got £333 for the year yesterday through Hughes.
Quote from: ONeill on May 14, 2010, 04:25:39 PM
Got £333 for the year yesterday through Hughes.
Mine is due soon. What insurance group is your wagon?
Quote from: on the sideline on May 14, 2010, 03:37:52 PM
Wel folks, looking for your help!
Trying to sort out my car insurance for the first time (ma normally does it for me!) and looking to know how does a no claims bonus work. Does it mean how long you have had insurance altogether without making a claim ie named driver for 6 years before being full policy holder for 1 year, is that 7 years no claims, or just 1 for the year of full policy holder?
Thanks
You will not have a no claims bonus as such but some companies will allow you an 'intro no claims bonus' to reflect your driving experience. You can then earn your full no claims bonus on ths policy and protect it when the time comes. Best to get insurance in your own name as soon as possible in my experience.
http://www.bbc.co.uk/news/business-12606610
Ridiculous ruling if you ask me. What next - older drivers pay the same as a 17 year old to avoid age discrimination.
Some Brussels bureaucrat who has no clue of the real world making silly decisions.
Quote from: Franko on March 01, 2011, 11:48:11 AM
http://www.bbc.co.uk/news/business-12606610
Ridiculous ruling if you ask me. What next - older drivers pay the same as a 17 year old to avoid age discrimination.
Some Brussels bureaucrat who has no clue of the real world making silly decisions.
Wouldn't be a bad idea.
How about this, older drivers are periodically retested to ensure they are still fit to drive and if they don't get retested their premiums go through the roof. That's probably more relevent to the real world.
I reckon the way to get the younger drivers is by charging them a bigger excess but keeping premiums broadly the same across age groups. That way you only punish the young drivers who actually are involved in an accident/driving carelessly and aboid the blunderbuss approach of high premiums for all under 25's.
And the worst thing is it won't reduce male driver's insurance costs. Insurance firms will just hike females premiums to match so everyone loses out bar the insurance companies.
Quote from: supersarsfields on March 01, 2011, 01:28:07 PM
And the worst thing is it won't reduce male driver's insurance costs. Insurance firms will just hike females premiums to match so everyone loses out bar the insurance companies.
Without a doubt. Average female premiums are expected to increase by as much as 40%.
Could insurers relocated outside the EU and still insure in the EU?
Is the average price lower for women because they cause the accidents? Not noticed they have because they are applying make up during morning rush hour :o :o. other people (mostly men) crash after trying to avoid the make up applying women who drive on when their lippy has been applied!!
This is the correct decision and i cant beleive people are complaining. You have lost the run of yourselves after having to put up with discrimination for so long. I never had a crasj anf have had to pay for the drink driving social life of my rural cousins in my premiums, that was not fair.
Quote from: Capt Pat on March 01, 2011, 04:54:53 PM
This is the correct decision and i cant beleive people are complaining. You have lost the run of yourselves after having to put up with discrimination for so long. I never had a crasj anf have had to pay for the drink driving social life of my rural cousins in my premiums, that was not fair.
You'll still have to pay for that.
At least the wimin will be carrying their fair share of the burden.
Ridiculous ruling. Insurance premiums are based on statistics - cold hard facts. Young men cause and are more likely to be involved in crashes than women.
As asked, what next? You can't charge higher premiums to someone living in a dodgy area because it's discriminatory against people living in underprivileged areas?
Doe's it mean they can't take say lifestyle into consideration? I smoke, drink bit too much. Will it mean i pay health/life insurance at the same rate as a non-smoking tee-totaler?
Quote from: dillinger on March 01, 2011, 10:06:17 PM
Doe's it mean they can't take say lifestyle into consideration? I smoke, drink bit too much. Will it mean i pay health/life insurance at the same rate as a non-smoking tee-totaler?
Nope - but that's the road the insurance companies will surely point at. Where do you draw the line?
Do blondes have more accidents than brunettes?
Do blue eyed people have more accidents than green eyed people?
What's the statistics here?
Salford teenager describes £33k car insurance shock
A teenager has described his amazement after being quoted almost £33,000 to insure his second-hand car.
Jake Redshaw, 17, from Salford, bought a six-year-old Vauxhall Corsa for £3,000 after he passed his test earlier in March.
He told the BBC he expected comparison website insurance quotes to reach about £3,000 - but received a headline figure of of £32,819 from the AA.
The company said the figure was a mistake and should not have appeared.
'Drop me off'
Jake, from Eccles, was hoping to use his car to travel to Pendleton College, where he is studying IT, and his part-time job in a warehouse.
"The average [price] was probably about £12,000, £13,000 and the cheapest was £5,700. And I got £33,000 from AA," he told the BBC.
"I was amazed because I was expecting to pay £3,000, £4,000, but not that high.
"I can't insure it. If I want to go out I'll have to get my mum or dad to drop me off to go out. I can't be independent as I wanted to be.
"At 18 it apparently goes down, so I'll have to wait until then. But it's only a couple of months away so it's not that bad."
According to the Association of British Insurers (ABI), 12% of drivers are aged 17 to 24 - but they are responsible for almost 30% of accidents.
Business 'not wanted'
In that age group, drivers are 10 times more likely to be involved in an accident than drivers aged over 30.
A spokesman for the AA said the high risk associated with young male drivers meant the average industry quote for a UK male aged 17 to 22 was £2,750.
The AA said the figure was a mistake "Sometimes insurance companies would prefer not to have that business and rather than not quote they quote figures they do not expect to be taken up," said the spokesman.
"One of the insurance companies on our panel has produced a quote that just should not have appeared."
Last week, the Manchester-based Co-operative insurance launched a product that offers reduced rates to young drivers if they install a device to their car which monitors their driving.
The AA said it would be offering a similar scheme later in 2011 and believes such products could boost the number of quotes for young drivers.
I know f**k all abut car insurance so can anyone recommend some good companies to get a 1.4 megane insured? I hear insurance has went up this past 2 years. I have been driving for about 8 years with no accidents but haven't been insured on my own for about 3 years.
Try confused.com Jim..Got mine for £265 and im a madman..lol
Quote from: The Watcher Pat on May 19, 2011, 09:11:49 PM
Try confused.com Jim..Got mine for £265 and im a madman..lol
Fricking 800 quid they quoted me. f**k that. Axa direct was asking for 450.
How much extra are people paying this year for their insurance premiums?
mine went up by 25%, even when i tried pricing round some of the figures quoted where double that i payed last year.
is this standard across the board?
Was paying about 350, had a minor smack in the snow. Despite maximum protected no claims Gateway wanted 960 renewal. Kiss my ass.
Switched to Tesco for about 400
Quote from: Take Your Points on July 07, 2011, 07:32:40 PM
Just got my renewal this morning from AXA. I have been with them for three years and this year it has jumped by around 25%. I had hoped that it would fall a little because I recently changed from A3 2.0 TFSI to a C220 CDI Mercedes. AXA are asking £580. I'm heading for compare the market.
Your insurance will not fall . . . the only way people's insurance is falling is if they go from 1 years NCB to 2years up to about 4 and then you will hit your lowest premium at 5yrs NCB and it will keep rising from there.
Your insurance will generally not change unless there is a significant decrease in engine size from your previous car.
Shop around as many brokers and websites as you can and get the price down as much as you can. Then go back to Axa and say you won't stay with them unless they beat the price you are currently getting and include Protected No Claims and Breakdown cover (if they don't beat it then just go to the other company). Insurance is ruthless and there is little/no loyalty in it.
Good luck.
I got a quote from open and direct for something around 600. Then I rang up all the usual ones and got quotes then went back to open and direct and told them axa quoted me 445 (the really quoted me 550). After talking to his boss the fella on the phone came back and offered 443. Robbing bastards.
Shopping around for car insurance again.
Managed to get my quote down from £830 to £545 after a wee bit of haggling.
But i am getting a lower quote from easyinsure.co.uk. It comes in about £470.
Was wondering had anybody used them on here??
There is very little online about them apart from there website.
Check the excess - the higher the excess you agree, the lower the premium. Conversely, low premiums offered usually mean a large excess.
caulfield insurance 02886766999
Quote from: Billys Boots on August 13, 2012, 04:15:56 PM
Check the excess - the higher the excess you agree, the lower the premium. Conversely, low premiums offered usually mean a large excess.
only a £300 excess so not to bad but have never heard of then before.
you know what they say about things being to good to be true....
Ask who's underwriting the policy - it can only be one of the big firms (Lloyds, Travellers, St. Louis, Axa etc.), otherwise run a mile.
Quote from: redboots on August 13, 2012, 04:21:24 PM
caulfield insurance 02886766999
No! Axadirect are cheaper anyway . . .
Easyinsure are legit alright. McClarty's in Coleraine is their head office. As was mentioned though I would check who is underwriting it but I know they used to have a deal with Markerstudy or Zenith so I'd think it's with them. They are both reputable and Caulfield's would use them also but probably wouldn't have as good a deal.
Quote from: screenexile on August 13, 2012, 05:17:56 PM
Easyinsure are legit alright. McClarty's in Coleraine is their head office. As was mentioned though I would check who is underwriting it but I know they used to have a deal with Markerstudy or Zenith so I'd think it's with them. They are both reputable and Caulfield's would use them also but probably wouldn't have as good a deal.
Been insured with McClarty's for years. Been pretty decent.
The wife's policy is up for renewal and most quotes are coming in over the 500 mark. I then tried 25plus.ie and it was €200 cheaper. Just wondering has anyone down south used them and made a claim from them?
My insurance with Quinn expires in a few weeks and Liberty are offering quotes in place of Quinn. They just sent me a letter with a quote for third party fire and theft cover for £130!
1st central for me, 2 litre jeep only £259 with 3 years no claims, I've 3 points on licence, don't really know if that puts it up
I renewed my insurance last week with Kwikfit insurance for £207, they came back the cheapest via confused.com
A friend told me under no circumstances take the legal cover from the insurance company when taking out an insurance policy as it's a rip off. Other companies specialise in legal cover and can offer it for a fraction of the cost. The insurance company wanted £39.50 for the legal cover, got it for £9.99 from another website.
Also, I routed the car insurance policy via www.topcashback.co.uk, which saved another 20% ... so effectively got the fully comp insurance for £170 or so.
Anyone any idea how the likes of topcashback.co.uk can get these discounts and pass them on?
Does anybody here work in insurance or could yous answer this question if you know it??I have a car in Scotland for work,it's only a run around so I insured it third party with liberty,for someone else to drive it I would need to be fully comp,is this right?i rang liberty and the young fella didn't really know,he said he thought it was more to do with the person I was letting drive the car that his insurance should be fully comp,this probably makes no sense,but I was going to give a fella a lend of the car for the weekend when I go home, don't want to end in a handling if he's stopped and the two of us get done
The person driving the car needs to have fully comp insurance of his own. Then he can drive the car on his third party extension as long as you have the car insured on its own policy.
Of course the cover will only be third party.
Make sure the person driving is over 25 as most insurers will grant 3rd party extension to young drivers.
That said, you can add someone else to your policy.
Cheers,think that's sorta what the young chap said,it's only for the weekend so no point adding him on just for that,I asked about changing to fully comp and he said that I can only do that when the policy is up for renewal
Hoping someone can help me. I'm gone f**king crazy ringing different insurance companies and I can't get a straight answer.
I'm after buying a Ford Kuga(collecting it on Saturday), its actually a Ford Kuga Utility which means its classed as a commercial vehicle but it has the same number of seats as a normal Kuga ie 2 in the front 3 in the back. The reason its a commercial is the middle seat has no seat belts and through whatever loophole there is in the system that means I can buy it as a commercial and claim the VAT back.
The problem I'm having is the insurance companies will only insure it as a private vehicle. The question I can't get answered though is does this mean I have to tax it private as well?
And if so how does that affect me as regards claiming VAT back on the purchase price?
If you tax and insurance it as private then it can't be a commercial vehicle by definition. If its taxed and insured as private then you couldn't legally and from an insurance point,use it for work. You would't be allowed claim the VAT on it then as it's not used for business purposes. One of the 4 qualifiers to deem it commercial is "Is the vehicle to be used for the purposes of a VAT-registered business?"
Quote from: gerrykeegan on September 01, 2016, 06:56:49 PM
If you tax and insurance it as private then it can't be a commercial vehicle by definition. If its taxed and insured as private then you couldn't legally and from an insurance point,use it for work. You would't be allowed claim the VAT on it then as it's not used for business purposes. One of the 4 qualifiers to deem it commercial is "Is the vehicle to be used for the purposes of a VAT-registered business?"
It will be used for a VAT registered business. The Insurance companies though when they hear its a 4 seat commercial won't insure it as commercial,at least the 3 or 4 different place I rang told me that.
There are loads of these yokes on the roads,Mitsubishi and Land Rover also have 4 seat commercials, they must be getting them insured somewhere.
The only reason I went with the Kuga Utility was so I could reclaim the VAT on the purchase amount.
The key word is "purposes" it must be used for the purposes of the business. It it's insured and taxed privately the it couldn't be used for the purposes of the business. I'm coming at this only from the VAT side of things.
Quote from: gerrykeegan on September 01, 2016, 07:14:35 PM
The key word is "purposes" it must be used for the purposes of the business. It it's insured and taxed privately the it couldn't be used for the purposes of the business. I'm coming at this only from the VAT side of things.
So in other words I will have to find someone to Insure it as Commercial which therefore means I can tax it as a Commercial to be able reclaim the VAT?
As I said there are loads of them on the road,some company has to be insuring them.
Yes.
A friend of mine bought one of those a couple of years ago as a commercial, for some reason they qualified as a commercial, only two belts in the back. Whatever the loophole was which allowed these to be commercial, I think it might be closed now. Sorry I don't have more details, can give him a shout if there's nobody else on here with the answer.
Quote from: macdanger2 on September 01, 2016, 11:09:13 PM
A friend of mine bought one of those a couple of years ago as a commercial, for some reason they qualified as a commercial, only two belts in the back. Whatever the loophole was which allowed these to be commercial, I think it might be closed now. Sorry I don't have more details, can give him a shout if there's nobody else on here with the answer.
The loop hole is still there alright.
Got sorted anyways. I rang back one of the insurance companies I rang last night and got through to a different fella and he sorted it for me in about 15 mins.
I rang last night around 5:40pm and they were closing at 6pm and I knew the guy had no interest in helping me at all and fobbed me off saying they couldn't insure it,the p***k.
Sorted now though so happy days.
Have a query lads, I took my car off the road in April this year. I didn't bother insuring it because I thought I wouldn't need it. Turns out though that the missus does! The NCT date is up a month. So do I get insurance first or NCT first? I assume you can drive to the centre and back again without tax?
Quote from: Farrandeelin on September 29, 2016, 04:27:59 PM
Have a query lads, I took my car off the road in April this year. I didn't bother insuring it because I thought I wouldn't need it. Turns out though that the missus does! The NCT date is up a month. So do I get insurance first or NCT first? I assume you can drive to the centre and back again without tax?
Technically if your car is not NCT'd or taxed it doesn't matter if you've purchased insurance it's still void! That's the story up North anyway I presume it's the same craic don below as well.
If pulled over you might get away with it but I'd be careful!
Ok. Got the car NCTd and taxed again over Christmas. Now the insurance company want proof that it was taken off thebroad. Is this common?
My car insurance went from £332 last year to £440 this year WTF...no claims as usual. Just got my quote today but will be phoning around over the next week
Quote from: illdecide on February 01, 2017, 09:58:46 PM
My car insurance went from £332 last year to £440 this year WTF...no claims as usual. Just got my quote today but will be phoning around over the next week
Had same thing before Christmas. Mine shot up by near 200 quid. Have 15+ years no claims and a clean record. I'm about as safe a bet as they are ever going to get and yet they hike the price up like that. When I queried it they blamed the government for hiking up the tax. Shopped around and got it a bit cheaper but it was still a good bit more than I would have liked it to be.
Wouldn't want to be in the shoes of someone who had a claim or conviction.
Quote from: Farrandeelin on February 01, 2017, 09:19:11 PM
Ok. Got the car NCTd and taxed again over Christmas. Now the insurance company want proof that it was taken off thebroad. Is this common?
Yeah it would be alright I'm afraid.
Quote from: 93-DY-SAM on February 01, 2017, 11:03:50 PM
Quote from: illdecide on February 01, 2017, 09:58:46 PM
My car insurance went from £332 last year to £440 this year WTF...no claims as usual. Just got my quote today but will be phoning around over the next week
Had same thing before Christmas. Mine shot up by near 200 quid. Have 15+ years no claims and a clean record. I'm about as safe a bet as they are ever going to get and yet they hike the price up like that. When I queried it they blamed the government for hiking up the tax. Shopped around and got it a bit cheaper but it was still a good bit more than I would have liked it to be.
Wouldn't want to be in the shoes of someone who had a claim or conviction.
Lads never ever ever take the price they give you for renewal. I know for a fact that they pump out the best deal for them with all the optional extras on it and expect people to come back for a better deal.
If you're up North get on moneysupermarket and comparethemarket as well as giving Axaditrct a shout.
I'm with Axaditrct and got a renewal premium through but ran my details through their system for a quote and it was £50 cheaper so they honoured it!
Quote from: screenexile on February 01, 2017, 11:23:20 PM
Quote from: 93-DY-SAM on February 01, 2017, 11:03:50 PM
Quote from: illdecide on February 01, 2017, 09:58:46 PM
My car insurance went from £332 last year to £440 this year WTF...no claims as usual. Just got my quote today but will be phoning around over the next week
Had same thing before Christmas. Mine shot up by near 200 quid. Have 15+ years no claims and a clean record. I'm about as safe a bet as they are ever going to get and yet they hike the price up like that. When I queried it they blamed the government for hiking up the tax. Shopped around and got it a bit cheaper but it was still a good bit more than I would have liked it to be.
Wouldn't want to be in the shoes of someone who had a claim or conviction.
Lads never ever ever take the price they give you for renewal. I know for a fact that they pump out the best deal for them with all the optional extras on it and expect people to come back for a better deal.
If you're up North get on moneysupermarket and comparethemarket as well as giving Axaditrct a shout.
I'm with Axaditrct and got a renewal premium through but ran my details through their system for a quote and it was £50 cheaper so they honoured it!
Yes you're right, the girl told me on the phone yesterday that my renewal price was a figure thrown at me to negotiate with them after receiving a cheaper quote elsewhere...WTF. Just give me your cheapest quote and i'll renew without wasting my time phoning around half the country to get it knocked down anyway...
Insurance companies deserve zero loyalty. I had a driving conviction years ago and the insurance rightly went up when I was back on the road. The following year for renewal it went up even further :o
Where does the concept of "loyalty" to a commercial organisation come from?
Quote from: Hardy on February 02, 2017, 12:51:57 PM
Where does the concept of "loyalty" to a commercial organisation come from?
There should be none as all they want is the money out of your pocket.
On changing insurance companies, I find getting No Claims Bonus certs out of previous insurers a real pain in the hole.
Quote from: screenexile on February 01, 2017, 11:23:20 PM
Lads never ever ever take the price they give you for renewal. I know for a fact that they pump out the best deal for them with all the optional extras on it and expect people to come back for a better deal.
If you're up North get on moneysupermarket and comparethemarket as well as giving Axaditrct a shout.
I'm with Axaditrct and got a renewal premium through but ran my details through their system for a quote and it was £50 cheaper so they honoured it!
I would never take the renewal price. I think price comparison sites are a load of sh**e as well. Nothing beats phoning around a few. It's a bit of a pain but well worth it. But there is not much you can do about it when they are all telling you prices have gone up across the board due to increases in government taxes. When the first one told me that I thought it was bull but the rest all came out with the same line. Takes very little for them to need an excuse to hike prices. It's a bit like the big oil companies. The slightest wee issue anywhere in the world is an excuse to hike up the price. They are all quick to put prices up but none are in a hurry to take them down.
As for loyalty I'd have none to an insurance company, that's for sure. They show very little loyalty to their customers. I think loyalty is a noble sentiment from the past and is completely lost these days especially when it comes to large companies.
I got a quote from Post Insurance for about €500 - about €150 more than last year. Phoned around and got similar quotes, but then 123.ie came in at €370-odd, and I talked them down to €340. Part of the deal was a second-car discount - not sure how much was attributable to this. Aviva do a deal for second car in the family as well. Don't know about others.
£440 was my renewal quote from Hughes Insurance, just of the phone there from Abbey and their quote is £315...Gangsters.
Was on the phone getting renewal quote and added wife on as named driver and it reduced the price by about £30
Quote from: illdecide on February 09, 2017, 12:22:57 PM
£440 was my renewal quote from Hughes Insurance, just of the phone there from Abbey and their quote is £315...Gangsters.
Hughes are brutal. wont be back near them. A few years ago I changed my car mid way through the term and the increase they slapped on was ridiculous. I'll never be back with them even if theyre the lowest quote.
Quote from: giveherlong on February 09, 2017, 12:39:42 PM
Was on the phone getting renewal quote and added wife on as named driver and it reduced the price by about £30
Same here, other way around - you're less of an insurance risk if you are married.
Just make sure there are no add-on products that you don't want in your quote - sometimes the brokers will put those in without you knowing, like legal cover, key cover, breakdown etc. Insist on the quote being for insurance only. And try to avoid the monthly payment option to bring it in cheaper.
The brokers also probably have wiggle room on admin fees that they apply so ask about those and get at least a reduction. They're already getting commission.
Quote from: Rois on February 09, 2017, 12:53:17 PM
Quote from: giveherlong on February 09, 2017, 12:39:42 PM
Was on the phone getting renewal quote and added wife on as named driver and it reduced the price by about £30
Same here, other way around - you're less of an insurance risk if you are married.
Just make sure there are no add-on products that you don't want in your quote - sometimes the brokers will put those in without you knowing, like legal cover, key cover, breakdown etc. Insist on the quote being for insurance only. And try to avoid the monthly payment option to bring it in cheaper.
The brokers also probably have wiggle room on admin fees that they apply so ask about those and get at least a reduction. They're already getting commission.
Key cover can be worth having if it's cheap enough now as some of the electronic keys are hundreds of quid to replace.
For a young person (don't know the age range) adds two older drivers (preferably over 50) to the insurance then there will be a considerable drop in the price.
Postcode is a major factor in the cost of the insurance.
Quote from: Take Your Points on February 09, 2017, 01:35:45 PM
For a young person (don't know the age range) adds two older drivers (preferably over 50) to the insurance then there will be a considerable drop in the price.
Postcode is a major factor in the cost of the insurance.
As far as I can tell it is up there with the age/ experience of the driver as the main criteria.
Quote from: johnneycool on February 02, 2017, 12:54:32 PM
Quote from: Hardy on February 02, 2017, 12:51:57 PM
Where does the concept of "loyalty" to a commercial organisation come from?
There should be none as all they want is the money out of your pocket.
On changing insurance companies, I find getting No Claims Bonus certs out of previous insurers a real pain in the hole.
If you are with a proper insurance company they are obliged by law to supply you with your cert of no claims. You will then have time to seek alternative quotes.
Quote from: lurganblue on February 09, 2017, 12:41:23 PM
Quote from: illdecide on February 09, 2017, 12:22:57 PM
£440 was my renewal quote from Hughes Insurance, just of the phone there from Abbey and their quote is £315...Gangsters.
Hughes are brutal. wont be back near them. A few years ago I changed my car mid way through the term and the increase they slapped on was ridiculous. I'll never be back with them even if theyre the lowest quote.
Ha ha just phoned Hughes back to tell them i'd got it cheaper elsewhere and they brought it down to £330 which is £15 dearer than Abbey but has all the extras on it...
Quote from: Rois on February 09, 2017, 12:53:17 PM
Quote from: giveherlong on February 09, 2017, 12:39:42 PM
Was on the phone getting renewal quote and added wife on as named driver and it reduced the price by about £30
Same here, other way around - you're less of an insurance risk if you are married.
Just make sure there are no add-on products that you don't want in your quote - sometimes the brokers will put those in without you knowing, like legal cover, key cover, breakdown etc. Insist on the quote being for insurance only. And try to avoid the monthly payment option to bring it in cheaper.
The brokers also probably have wiggle room on admin fees that they apply so ask about those and get at least a reduction. They're already getting commission.
That's an understatement there Rois. . . these fees are pure profit! Insurance companies get money through commission mainly but the add ons like breakdown & Legal/Key Cover/Admin are where the real money is made.
We used to get 50p for each one of those we sold or £3 if we sold the lot!!
Quote from: screenexile on February 09, 2017, 02:31:45 PM
That's an understatement there Rois. . . these fees are pure profit! Insurance companies get money through commission mainly but the add ons like breakdown & Legal/Key Cover/Admin are where the real money is made.
Breakdown is half the price of the AA, I think it is reasonable value.
what companies in the north are currently most competitive for insurance ?
The three biggies are Autoline, Hughes and Abbey, but they are brokers, so you could also try Axa Direct.
Probably on line with Admiral/Elephant if your age is a problem. Multicar policies from them offer a little more discount and if you can put two older drivers onto the insurance you get a significant discount.
If you are a little older like me, Post Office or LV that I use - £195 for a Golf 2.0 TDI. LV also have a multicar discount.
I used to be able to get better prices online but not any more.
Thanks guys, Axa direct gave me the best price by using a broker that does not quote online.
Maybe this is a stupid question I don't know but can anyone tell me why despite the fact that as your car ages and the amount you would be paid in event of a write-off goes down, the insurance premium goes up annually (even when you have had no claims)?
If I don't have an accident this year am I statistically more likely to have one next year or something like that? Or is it just insurers taking the piss?
Quote from: CiKe on June 19, 2017, 11:10:44 PM
Maybe this is a stupid question I don't know but can anyone tell me why despite the fact that as your car ages and the amount you would be paid in event of a write-off goes down, the insurance premium goes up annually (even when you have had no claims)?
If I don't have an accident this year am I statistically more likely to have one next year or something like that? Or is it just insurers taking the piss?
My premiums did not go up every year, then went down and then went up quite a bit in recent years. The reason for that was the lower premiums weren't really doing the business. Insurance companies used make money on investing the premiums, but interest rates are now at rock bottom.
Quote from: CiKe on June 19, 2017, 11:10:44 PM
Maybe this is a stupid question I don't know but can anyone tell me why despite the fact that as your car ages and the amount you would be paid in event of a write-off goes down, the insurance premium goes up annually (even when you have had no claims)?
If I don't have an accident this year am I statistically more likely to have one next year or something like that? Or is it just insurers taking the piss?
And if I am "statistically" more likely to have an accident, will telematics negate these law of large numbers statistics based on me being a good driver? How widely in use is telematics in premium calculations in Ireland? Over here in Spain, there only seems to be one company making use of them so far but is more on a pay as you drive kms basis i.e. distance driven as opposed to driver behaviour
Quote from: armaghniac on June 19, 2017, 11:14:45 PM
Quote from: CiKe on June 19, 2017, 11:10:44 PM
Maybe this is a stupid question I don't know but can anyone tell me why despite the fact that as your car ages and the amount you would be paid in event of a write-off goes down, the insurance premium goes up annually (even when you have had no claims)?
If I don't have an accident this year am I statistically more likely to have one next year or something like that? Or is it just insurers taking the piss?
My premiums did not go up every year, then went down and then went up quite a bit in recent years. The reason for that was the lower premiums weren't really doing the business. Insurance companies used make money on investing the premiums, but interest rates are now at rock bottom.
Hadn't thought of the investment side of the equation. Interesting you say that, maybe i'll live to see a lower premium at some point then. Only had car the last few years and invariably goes up about EUR 25 despite me threatening to leave each year. Value of car must be no more than half what it was initially.
Insurance Premium Tax has also increased over the last few years.
Insurers will also go low to get volume, but then that competitive pricing expires, and it's a different insurer who offers the better pricing.
Sweet Mother of F88K!!!!
Came home to an insurance renewal letter today of £1960!!!
29YO M, (H&S Consultant), Currently driving 2014 C220 Mercedes with 28YO Wife (Nurse) as insured
10 mins on moneysupermarket and ive now got the insurance for £550 with Hastings. Includes breakdown, courtesy car, legal etc. Dont know where Axa Insurance thought they were going - disgusting!
Anyway - Rant over - make sure you shop about
Sounds like a f**k off quote. You're not in the demographic their actuaries want.
Quote from: Hardy on February 20, 2019, 08:56:07 PM
Sounds like a f**k off quote. You're not in the demographic their actuaries want.
Bingo bango!!!
Quote from: general on February 20, 2019, 08:28:53 PM
Sweet Mother of F88K!!!!
Came home to an insurance renewal letter today of £1960!!!
29YO M, (H&S Consultant), Currently driving 2014 C220 Mercedes with 28YO Wife (Nurse) as insured
10 mins on moneysupermarket and ive now got the insurance for £550 with Hastings. Includes breakdown, courtesy car, legal etc. Dont know where Axa Insurance thought they were going - disgusting!
Anyway - Rant over - make sure you shop about
We have 4 small cars insured separately with Axa. All are reasonably priced and we've been with them for a few years.
Both my wife and I have had separate accidents where we were to blame and they looked after us well.
Quote from: thebuzz on February 20, 2019, 11:15:33 PM
Quote from: general on February 20, 2019, 08:28:53 PM
Sweet Mother of F88K!!!!
Came home to an insurance renewal letter today of £1960!!!
29YO M, (H&S Consultant), Currently driving 2014 C220 Mercedes with 28YO Wife (Nurse) as insured
10 mins on moneysupermarket and ive now got the insurance for £550 with Hastings. Includes breakdown, courtesy car, legal etc. Dont know where Axa Insurance thought they were going - disgusting!
Anyway - Rant over - make sure you shop about
We have 4 small cars insured separately with Axa. All are reasonably priced and we've been with them for a few years.
Both my wife and I have had separate accidents where we were to blame and they looked after us well.
they must be trying to recover these costs!
I'm with Autonet, gotten through one of those comparisons sites, 30 quid a month, only problem is I've no paperwork. Tried getting online but no policy to access but the money is coming out per month (2 months) am I covered?
Does anyone else ever get caught out by auto-renewal? If I see a letter come in with a renewal quote and it is a bit high I will ignore it and go to comparethemarket and see is if I can get any better quotes but twice now I have noticed a few months after the event that I have 2 insurances, so I have to ring up and cancel 1. Fecking does my head in that they assume auto-renewal as a default and you have to somehow opt out of it.
Car insurance does not get me mainly because its a larger amount and aware of when it comes out. House insurances get me everytime though!
Anyone able to offer any advice?
My son will be starting UL in a few weeks. Currently he is a named driver on one of 2 policies in my name. I had intended amending the policy to have him as the main driver so he could take the car down with him. I contacted my insurance company to see if this was ok only to be informed they don't insure people down south for an extended period and that I would have to re-register the car down south and get insurance there. I had assumed I wouldn't have to do this as his main residence would still be at home. Anyone had to do anything like this before or how much it would cost to register the car, a 2012 1.6 Seat Leon diesel, or how much insurance would cost for a 18 year old who passed the test a year ago?
Quote from: Harold Disgracey on August 23, 2019, 04:15:25 PM
Anyone able to offer any advice?
My son will be starting UL in a few weeks. Currently he is a named driver on one of 2 policies in my name. I had intended amending the policy to have him as the main driver so he could take the car down with him. I contacted my insurance company to see if this was ok only to be informed they don't insure people down south for an extended period and that I would have to re-register the car down south and get insurance there. I had assumed I wouldn't have to do this as his main residence would still be at home. Anyone had to do anything like this before or how much it would cost to register the car, a 2012 1.6 Seat Leon diesel, or how much insurance would cost for a 18 year old who passed the test a year ago?
Sounds to me like the car is only for his use at the weekend (at home obviously) and he only takes it to college once in a blue moon.....
Quote from: TabClear on August 23, 2019, 05:05:48 PM
Quote from: Harold Disgracey on August 23, 2019, 04:15:25 PM
Anyone able to offer any advice?
My son will be starting UL in a few weeks. Currently he is a named driver on one of 2 policies in my name. I had intended amending the policy to have him as the main driver so he could take the car down with him. I contacted my insurance company to see if this was ok only to be informed they don't insure people down south for an extended period and that I would have to re-register the car down south and get insurance there. I had assumed I wouldn't have to do this as his main residence would still be at home. Anyone had to do anything like this before or how much it would cost to register the car, a 2012 1.6 Seat Leon diesel, or how much insurance would cost for a 18 year old who passed the test a year ago?
Sounds to me like the car is only for his use at the weekend (at home obviously) and he only takes it to college once in a blue moon.....
Generally you are only insured to stay max 3 nights in a row for work (and college). Any claims and you would be asked to prove that you weren't over that.
Not all underwriters allow it either, so you need to be explicit that you will be doing cross border travel or effectively youmay not be insured.
Also your have to careful on not being caught by customs, so you would be better off changing it. You might have been able to avoid VRT if it was in your son's name 6 months prior.
Quote from: thebigfella on August 23, 2019, 05:25:29 PM
Also your have to careful on not being caught by customs, so you would be better off changing it. You might have been able to avoid VRT if it was in your son's name 6 months prior.
There is no problem whatsoever with customs, students are not normally resident. A flip side of this is that a student probably couldn't import a car VRT free as they are not regarded as having changed residence.
You just need an appropriate insurance company.
And ye'll need Green cards from 1st November if the Clown in Dow ing St gets his way.
We will just stop going to your part of the world.
Quote from: playwiththewind1st on August 23, 2019, 08:04:42 PM
We will just stop going to your part of the world.
You likely won't be able to afford it.
Quote from: armaghniac on August 23, 2019, 06:23:35 PM
Quote from: thebigfella on August 23, 2019, 05:25:29 PM
Also your have to careful on not being caught by customs, so you would be better off changing it. You might have been able to avoid VRT if it was in your son's name 6 months prior.
There is no problem whatsoever with customs, students are not normally resident. A flip side of this is that a student probably couldn't import a car VRT free as they are not regarded as having changed residence.
You just need an appropriate insurance company.
Any recommendations for an insurance company? I'll take a run over to Monaghan on Monday to see if any of the insurance companies there can help.
I already have a green card from my current insurance company.
Quote from: Harold Disgracey on August 24, 2019, 01:56:46 PM
Any recommendations for an insurance company? I'll take a run over to Monaghan on Monday to see if any of the insurance companies there can help.
I already have a green card from my current insurance company.
The country is full off people working in Dublin who have "finessed" this requirement, so it might be hard to find the right answer.
I'd try some insurance companies that operate on both sides , e.g. NI Allianz should be able to provide you with a policy for what Allianz would charge a person in Limerick or split the difference. I'd say there is an insurance broker somewhere in the border area with insight into this. Or maybe somewhere in the student union world there is useful information.
It will be very expensive for a 18 year old.
My guess is that you will get people bullshitting you about customs, so here is the statement about students
https://www.revenue.ie/en/importing-vehicles-duty-free-allowances/guide-to-vrt/reliefs-and-exemptions/temporary-exemption.aspx
I'd keep a copy of this to hand in the yoke.
A student is non-resident, so probably wouldn't be strictly entitled to own a southern car anyway, in case someone suggests this.
Quote from: Harold Disgracey on August 23, 2019, 04:15:25 PM
Anyone able to offer any advice?
My son will be starting UL in a few weeks. Currently he is a named driver on one of 2 policies in my name. I had intended amending the policy to have him as the main driver so he could take the car down with him. I contacted my insurance company to see if this was ok only to be informed they don't insure people down south for an extended period and that I would have to re-register the car down south and get insurance there. I had assumed I wouldn't have to do this as his main residence would still be at home. Anyone had to do anything like this before or how much it would cost to register the car, a 2012 1.6 Seat Leon diesel, or how much insurance would cost for a 18 year old who passed the test a year ago?
Stop mollycoddling him. Put him on the train from Portydown with his suitcase and tell him you'll see him at Christmas. If you must take more of an interest leave him down and buy him a bike with a good lock. Remember how it was in your day.
In all seriousness do you really want an inexperienced 18 year old traversing the length of the country on his own given the state of driving south of the border and a northern plated car attracting the local hoods?
"The State of driving South of the Border"
The feckin partitionist cheek from the home of dangerous aggressive driving.
That said it would be cheaper and safer to send an 18 year old by train or bus.
Insurance for an 18 year would be very expensive, you might get an 18 year old living at home added to your policy but if he is 300 Km away the insurance company know rightly that you have no control over the car. Given that the student will likely be living on campus, 10 mins walk from class, a car would be a bit of a luxury. That money would get a great laptop, first class rail travel back to Portadown whenever required and an Interrail for the summer and enough left over for a nice phone.
Anyone explain this one cos I can't
Next door neighbour buys a car in July and transfers her insurance from her old car to it. She holds onto her old car as her son is doing his test and wants it for him to have. He passes his test fortnight ago , gets car through the MOT, gets it transferred into his name but when he goes to insure with Axa they won't insure it because his mother didn't Sorn it in July when she transferred the insurance to her new car. The old car is in great nick. It is clearly road worthy as it has just passed its MOT.
What is Axas problem ?
Quote from: Jim Bob on November 15, 2019, 06:28:42 PM
Anyone explain this one cos I can't
Next door neighbour buys a car in July and transfers her insurance from her old car to it. She holds onto her old car as her son is doing his test and wants it for him to have. He passes his test fortnight ago , gets car through the MOT, gets it transferred into his name but when he goes to insure with Axa they won't insure it because his mother didn't Sorn it in July when she transferred the insurance to her new car. The old car is in great nick. It is clearly road worthy as it has just passed its MOT.
What is Axas problem ?
Technically they're right the car was illegal for 4 months.
You may contact DVANI and see if you can retrospectively SORN it.
Quote from: screenexile on November 15, 2019, 07:13:10 PM
Quote from: Jim Bob on November 15, 2019, 06:28:42 PM
Anyone explain this one cos I can't
Next door neighbour buys a car in July and transfers her insurance from her old car to it. She holds onto her old car as her son is doing his test and wants it for him to have. He passes his test fortnight ago , gets car through the MOT, gets it transferred into his name but when he goes to insure with Axa they won't insure it because his mother didn't Sorn it in July when she transferred the insurance to her new car. The old car is in great nick. It is clearly road worthy as it has just passed its MOT.
What is Axas problem ?
Technically they're right the car was illegal for 4 months.
You may contact DVANI and see if you can retrospectively SORN it.
Cheers but wonder what the chances of success there would be!!!!
Car not 'illegal' now though. Tarra a car sitting in your back yard taxed and MOTed is viewed as being illegal
Quote from: Jim Bob on November 15, 2019, 08:40:08 PM
Quote from: screenexile on November 15, 2019, 07:13:10 PM
Quote from: Jim Bob on November 15, 2019, 06:28:42 PM
Anyone explain this one cos I can't
Next door neighbour buys a car in July and transfers her insurance from her old car to it. She holds onto her old car as her son is doing his test and wants it for him to have. He passes his test fortnight ago , gets car through the MOT, gets it transferred into his name but when he goes to insure with Axa they won't insure it because his mother didn't Sorn it in July when she transferred the insurance to her new car. The old car is in great nick. It is clearly road worthy as it has just passed its MOT.
What is Axas problem ?
Technically they're right the car was illegal for 4 months.
You may contact DVANI and see if you can retrospectively SORN it.
Cheers but wonder what the chances of success there would be!!!!
Car not 'illegal' now though. Tarra a car sitting in your back yard taxed and MOTed is viewed as being illegal
They likely think you had two yokes on the road at the same time
Quote from: screenexile on November 15, 2019, 07:13:10 PM
Quote from: Jim Bob on November 15, 2019, 06:28:42 PM
Anyone explain this one cos I can't
Next door neighbour buys a car in July and transfers her insurance from her old car to it. She holds onto her old car as her son is doing his test and wants it for him to have. He passes his test fortnight ago , gets car through the MOT, gets it transferred into his name but when he goes to insure with Axa they won't insure it because his mother didn't Sorn it in July when she transferred the insurance to her new car. The old car is in great nick. It is clearly road worthy as it has just passed its MOT.
What is Axas problem ?
Technically they're right the car was illegal for 4 months.
You may contact DVANI and see if you can retrospectively SORN it.
WTF does a SORN have to to with insurance? A SORN only applies to use on a public road.
Quote from: under the bar on November 15, 2019, 11:42:00 PM
Quote from: screenexile on November 15, 2019, 07:13:10 PM
Quote from: Jim Bob on November 15, 2019, 06:28:42 PM
Anyone explain this one cos I can't
Next door neighbour buys a car in July and transfers her insurance from her old car to it. She holds onto her old car as her son is doing his test and wants it for him to have. He passes his test fortnight ago , gets car through the MOT, gets it transferred into his name but when he goes to insure with Axa they won't insure it because his mother didn't Sorn it in July when she transferred the insurance to her new car. The old car is in great nick. It is clearly road worthy as it has just passed its MOT.
What is Axas problem ?
Technically they're right the car was illegal for 4 months.
You may contact DVANI and see if you can retrospectively SORN it.
WTF does a SORN have to to with insurance? A SORN only applies to use on a public road.
Apparently you have to sorn if you don't insure either. Not just tax
Any insurance experts out there?
I am a named driver on my wife's car insurance. Currently up for renewal and when getting a quote the insurance company were able to tell me I was involved in an incident / accident last year. I confirmed this was the case and that a guy bumped into me into my own car. We exchanged details and said he would cover it but I reported it to the insurance company just in case he did a runner and if so with his reg they could go to his insurance company.
Got the quote and the guy paid up so all good hence rang back and told insurance company all sorted, the whole thing closed out within 48 hours.
The wife's insurance company are saying that as I was in an accident, regardless of no fault, no claim no injury it affects my risk profile and therefore the wife's insurance is approx £200 more because of that.
What an absolute shower, what is the point of insurance if you are penalised even when it is not your fault and no claim was even made?
Quote from: LC on September 02, 2023, 01:08:46 PM
Any insurance experts out there?
I am a named driver on my wife's car insurance. Currently up for renewal and when getting a quote the insurance company were able to tell me I was involved in an incident / accident last year. I confirmed this was the case and that a guy bumped into me into my own car. We exchanged details and said he would cover it but I reported it to the insurance company just in case he did a runner and if so with his reg they could go to his insurance company.
Got the quote and the guy paid up so all good hence rang back and told insurance company all sorted, the whole thing closed out within 48 hours.
The wife's insurance company are saying that as I was in an accident, regardless of no fault, no claim no injury it affects my risk profile and therefore the wife's insurance is approx £200 more because of that.
What an absolute shower, what is the point of insurance if you are penalised even when it is not your fault and no claim was even made?
That happened me once and it's going to affect yous for the next 4 years too. They are Gangsters.
Last year insurance was £260 fully comp..
Quote in today £470
I thought it hot cheaper as you got older lol
Quote from: Milltown Row2 on September 02, 2023, 03:22:10 PM
Last year insurance was £260 fully comp..
Quote in today £470
I thought it hot cheaper as you got older lol
Not anymore, it's a racket
Quote from: LC on September 02, 2023, 01:08:46 PM
Any insurance experts out there?
I am a named driver on my wife's car insurance. Currently up for renewal and when getting a quote the insurance company were able to tell me I was involved in an incident / accident last year. I confirmed this was the case and that a guy bumped into me into my own car. We exchanged details and said he would cover it but I reported it to the insurance company just in case he did a runner and if so with his reg they could go to his insurance company.
Got the quote and the guy paid up so all good hence rang back and told insurance company all sorted, the whole thing closed out within 48 hours.
The wife's insurance company are saying that as I was in an accident, regardless of no fault, no claim no injury it affects my risk profile and therefore the wife's insurance is approx £200 more because of that.
What an absolute shower, what is the point of insurance if you are penalised even when it is not your fault and no claim was even made?
I was in a bit accident around 5 years ago. I was stationery and hit from behind by an R driver who was talking to her boyfriend. Hit me so hard her Focus caused a 5 car pile up and my car caught fire and I was pulled from it. Bad enough injuries and my car written off. As the claim was going through the Courts I discovered this issue of my insurance increasing and was told by the insurer that I was a higher risk because I had a no fault accident. They told me it would take 6 years for that to change Any way I instructed my solicitor to claim for the increased costs over the 6 year period. They did and the other side paid it but my very experienced solicitor said he had never heard of including those increased costs into a claim. So it seems to be common and not particularly well known about
it really is becoming a joke - is it a legal requirement to always go through insurance?
I've had a couple of really minor fender benders. Someone went into the back at me at traffic lights but there was actually no visible damage so I let it slide.
Another time a woman pulled out of a parking space beside me and scraped her car against the front of mine in the process. She didn't even notice it but luckily I was sat in the car and was able to get her attention. I was happy to settle it without informing insurance and got a quote she was happy with and we lived happily ever after...
Racket is right. Wife was informed by her insurance company that her car had been involved in an accident in England, even though we or her car hadnt left our house or the country and had cctv to prove it. Informed insurance company of same and was told they would address issue as obvious fraudulent claim/mistaken identity.
Despite that being corrected her insurance went up as it was still recorded as a claim/incident in her insurance record history . As she is a named driver on my insurance my it has also increased as a result. Have contacted them numerous times but they said once it has been recorded on file thats it.
Quote from: general_lee on September 02, 2023, 08:43:41 PM
it really is becoming a joke - is it a legal requirement to always go through insurance?
I've had a couple of really minor fender benders. Someone went into the back at me at traffic lights but there was actually no visible damage so I let it slide.
Another time a woman pulled out of a parking space beside me and scraped her car against the front of mine in the process. She didn't even notice it but luckily I was sat in the car and was able to get her attention. I was happy to settle it without informing insurance and got a quote she was happy with and we lived happily ever after...
Legally yes you should inform your insurer as it is a material fact that you haven't disclosed to them and it would 100% affect whether they would insure you and at what premium.
I wouldn't though if you can avoid it at all!
Cheers for the advice up above David.
Young girl went into back of me this week, was in two minds to go down claim route for day or two as had some back/neck pain. But I won't. Honest boy me lol.
Was gona call insurance to tell them about incident as I was in two minds and was thinking about recording incident glad I didn't going by above.
The other party better play ball now for my new bumper...
Quote from: grounded on September 02, 2023, 08:49:29 PM
Racket is right. Wife was informed by her insurance company that her car had been involved in an accident in England, even though we or her car hadnt left our house or the country and had cctv to prove it. Informed insurance company of same and was told they would address issue as obvious fraudulent claim/mistaken identity.
Despite that being corrected her insurance went up as it was still recorded as a claim/incident in her insurance record history . As she is a named driver on my insurance my it has also increased as a result. Have contacted them numerous times but they said once it has been recorded on file thats it.
Ask them for all records under the Data Protection and invoke your right to have all errors corrected.
Quote from: general_lee on September 02, 2023, 08:43:41 PM
it really is becoming a joke - is it a legal requirement to always go through insurance?
I've had a couple of really minor fender benders. Someone went into the back at me at traffic lights but there was actually no visible damage so I let it slide.
Another time a woman pulled out of a parking space beside me and scraped her car against the front of mine in the process. She didn't even notice it but luckily I was sat in the car and was able to get her attention. I was happy to settle it without informing insurance and got a quote she was happy with and we lived happily ever after...
If only everyone was as decent. Bro n law had his car scraped by some woman as she reversed out of a parking space and he was stationery. She accepted liability at the time and was agreed she'd sort. Few weeks on and her insurer not accepting liability and bro n law being told that quickest way to settle would be for him to go through own insurer (£500 excess) and then pursue recovery thereafter. You couldn't trust anyone these days.
Quote from: tintin25 on September 03, 2023, 11:40:36 AM
Quote from: general_lee on September 02, 2023, 08:43:41 PM
it really is becoming a joke - is it a legal requirement to always go through insurance?
I've had a couple of really minor fender benders. Someone went into the back at me at traffic lights but there was actually no visible damage so I let it slide.
Another time a woman pulled out of a parking space beside me and scraped her car against the front of mine in the process. She didn't even notice it but luckily I was sat in the car and was able to get her attention. I was happy to settle it without informing insurance and got a quote she was happy with and we lived happily ever after...
If only everyone was as decent. Bro n law had his car scraped by some woman as she reversed out of a parking space and he was stationery. She accepted liability at the time and was agreed she'd sort. Few weeks on and her insurer not accepting liability and bro n law being told that quickest way to settle would be for him to go through own insurer (£500 excess) and then pursue recovery thereafter. You couldn't trust anyone these days.
Was once told (if you're in the right) report to the cops asap for a reference number, you never know what's going to happen as the amount of people who agree to keep insurance and cops out of it and then renege is huge.
Its a legal requirement in the north to report to the police any accident that results in damage to a vehicle other than your own or injury to any person not in your vehicle. You dont legally have to inform your insurer unless you contracted to do so or are asked directly by them. My experience is that most do contractually require it and will ask you. Any failure may allow them to void your insurance and ultimately allow them to recover from you any claims theyve had to meet
Quote from: armaghniac on September 03, 2023, 09:25:30 AM
Quote from: grounded on September 02, 2023, 08:49:29 PM
Racket is right. Wife was informed by her insurance company that her car had been involved in an accident in England, even though we or her car hadnt left our house or the country and had cctv to prove it. Informed insurance company of same and was told they would address issue as obvious fraudulent claim/mistaken identity.
Despite that being corrected her insurance went up as it was still recorded as a claim/incident in her insurance record history . As she is a named driver on my insurance my it has also increased as a result. Have contacted them numerous times but they said once it has been recorded on file thats it.
Ask them for all records under the Data Protection and invoke your right to have all errors corrected.
Will give that a go. Thanks so much.
Just got a letter from my insurer saying they were unable to offer me a renewal quote. Rang them to query and was fobbed off with some bullshit about their underwriter.
Went to look at quotes on the comparison sites and the prices even at the lower end are ridiculous.
2 years ago my policy was £515 for the year. This time last year it went down to £496 however I did buy a different (bigger engine) version of the same model of car. Cheapest quote is now £1300! I was expecting a bit of a hike but that's taking the piss.
Anyone recommend any good companies to go with?
Martin Lewis going live here talking about Car Insurance
Quote from: general_lee on November 07, 2023, 07:48:16 PMJust got a letter from my insurer saying they were unable to offer me a renewal quote. Rang them to query and was fobbed off with some bullshit about their underwriter.
Went to look at quotes on the comparison sites and the prices even at the lower end are ridiculous.
2 years ago my policy was £515 for the year. This time last year it went down to £496 however I did buy a different (bigger engine) version of the same model of car. Cheapest quote is now £1300! I was expecting a bit of a hike but that's taking the piss.
Anyone recommend any good companies to go with?
My small car's was up last week-end. It was £240. Fair enough, it's a pretty basic and old car.
I fogot to ring them to complete (but the car was parked at the house). I rung them yesterday morning. It's gone up to £300.
I said why and it was because it had lapsed etc. Over £60.
I said I'd think about it. Didn't want to give them the satisfaction. Might check on-line tonight.
So if your insurance is approaching, get it completed...unlike me.
Same bollocks all over. House insurance, car insurance all up massively. Not looking forward to seeing the 19 year old renewal quote in January :'( Fair enough the world has changed in the last couple of years but they are ganging up to absolutely rip the arse out of it.
Quote from: Tony Baloney on November 07, 2023, 08:12:55 PMSame bollocks all over. House insurance, car insurance all up massively. Not looking forward to seeing the 19 year old renewal quote in January :'( Fair enough the world has changed in the last couple of years but they are ganging up to absolutely rip the arse out of it.
100% they are. Car insurance last year was 311. This year the renewal is in and they are looking 537. Have been ringing around and can't get it any cheaper than my renewal. In fact some of the prices I've been quoted make the renewal look cheap. It's f**king scandalous. Insurance companies are a complete cartel like oil and energy companies. When you query it, it's the same auld shite, inflation means car parts are more expensive, harder to get, more claims being paid out, blah blah, blah. People's wages haven't increased (at least mine hasn't) so I don't know how much longer they can keep gouging people.
Quote from: 93-DY-SAM on November 07, 2023, 08:33:58 PMQuote from: Tony Baloney on November 07, 2023, 08:12:55 PMSame bollocks all over. House insurance, car insurance all up massively. Not looking forward to seeing the 19 year old renewal quote in January :'( Fair enough the world has changed in the last couple of years but they are ganging up to absolutely rip the arse out of it.
100% they are. Car insurance last year was 311. This year the renewal is in and they are looking 537. Have been ringing around and can't get it any cheaper than my renewal. In fact some of the prices I've been quoted make the renewal look cheap. It's f**king scandalous. Insurance companies are a complete cartel like oil and energy companies. When you query it, it's the same auld shite, inflation means car parts are more expensive, harder to get, more claims being paid out, blah blah, blah. People's wages haven't increased (at least mine hasn't) so I don't know how much longer they can keep gouging people.
No doubt the insurance companies are doing alright. But you also have to see the standard of driving and even the road accidents at the weekend. Someone seriously injured could cost millions to the insurance for treatment etc. The least scrape costs thousands. Road fatalities are up this year, there is feck all enforcement of any law. You ad a cyclist going through a red light, but the motorist was still held 20% responsible.
If it keeps going the way it is will more and more people just end up driving around with no insurance? Probably worth the risk if you drive an old banger but maybe not so much if you're running around in a 20-30 grand motor.
Quote from: clarshack on November 07, 2023, 09:23:43 PMIf it keeps going the way it is will more and more people just end up driving around with no insurance? Probably worth the risk if you drive an old banger but maybe not so much if you're running around in a 20-30 grand motor.
Can you blame them. Sure anything happens the c***ts won't stand over you anyway or do their best not to .
My home insurer (Post Office) emailed me at the weekend to tell me they would not be offering me a renewal quote. Thankfully I had already got it a bit cheaper than last years premium.
My car was 430 last year - renenwal with hughes came in at 720. Thought an online search might get me to 600 but that came in at 900. Got them down to 690. Wanted to DD it but was going to cost 120 more that way. A real ball breaker!
Soundbite on why home insurance quotes were going up by so much was 'global warming/environmental responsibilities'
These companies couldn't give one f**k about the environment, bonus and dividends is their only concern, total price gouge
We need Sean Quinn back. He was untouchable in the insurance market.
Quote from: trailer on November 08, 2023, 09:38:38 AMWe need Sean Quinn back. He was untouchable in the insurance market.
That's because he wasn't putting aside enough to pay the claims!
Hughes, am with them bollacks, why they say it jumped so much
Got a quote with Hughes 20 years ago and I thought they were very dear then.
Quote from: clarshack on November 07, 2023, 09:23:43 PMIf it keeps going the way it is will more and more people just end up driving around with no insurance? Probably worth the risk if you drive an old banger but maybe not so much if you're running around in a 20-30 grand motor.
What would happen if you were stopped? Not in an accident or anything, but just pulled in by the cops and no insurance.
Quote from: toby47 on November 09, 2023, 12:05:55 PMQuote from: clarshack on November 07, 2023, 09:23:43 PMIf it keeps going the way it is will more and more people just end up driving around with no insurance? Probably worth the risk if you drive an old banger but maybe not so much if you're running around in a 20-30 grand motor.
What would happen if you were stopped? Not in an accident or anything, but just pulled in by the cops and no insurance.
6 points and a huge fine. Also in the north (not sure about the south) they don't need to pull you over and discover it. It flags up when they are driving past you, behind you etc.
Camera on the car picks up your reg and does the search automatically.
Quote from: RedHand88 on November 09, 2023, 01:16:14 PMQuote from: toby47 on November 09, 2023, 12:05:55 PMQuote from: clarshack on November 07, 2023, 09:23:43 PMIf it keeps going the way it is will more and more people just end up driving around with no insurance? Probably worth the risk if you drive an old banger but maybe not so much if you're running around in a 20-30 grand motor.
What would happen if you were stopped? Not in an accident or anything, but just pulled in by the cops and no insurance.
6 points and a huge fine. Also in the north (not sure about the south) they don't need to pull you over and discover it. It flags up when they are driving past you, behind you etc.
Camera on the car picks up your reg and does the search automatically.
Not sure every cop car has the ANPR capability ?
Car insurance is compulsory by law, to the point that law enforcement will actively make the case against you for any discrepancy, rather than devolving it as a civil matter. What a wonderful perk for any business model.
It is therefore, for all intents and purposes, taxation. Except it is a tax which is set (as good as) independently from government regulation, and one in which our contributions make their way into the pockets of foreign shareholders.
Insurance is rotten from the top-down.
Quote from: RedHand88 on November 09, 2023, 01:16:14 PMQuote from: toby47 on November 09, 2023, 12:05:55 PMQuote from: clarshack on November 07, 2023, 09:23:43 PMIf it keeps going the way it is will more and more people just end up driving around with no insurance? Probably worth the risk if you drive an old banger but maybe not so much if you're running around in a 20-30 grand motor.
What would happen if you were stopped? Not in an accident or anything, but just pulled in by the cops and no insurance.
6 points and a huge fine. Also in the north (not sure about the south) they don't need to pull you over and discover it. It flags up when they are driving past you, behind you etc.
Camera on the car picks up your reg and does the search automatically.
How huge would you be talking? More expensive than a years insurance?
Quote from: toby47 on November 09, 2023, 01:55:42 PMQuote from: RedHand88 on November 09, 2023, 01:16:14 PMQuote from: toby47 on November 09, 2023, 12:05:55 PMQuote from: clarshack on November 07, 2023, 09:23:43 PMIf it keeps going the way it is will more and more people just end up driving around with no insurance? Probably worth the risk if you drive an old banger but maybe not so much if you're running around in a 20-30 grand motor.
What would happen if you were stopped? Not in an accident or anything, but just pulled in by the cops and no insurance.
6 points and a huge fine. Also in the north (not sure about the south) they don't need to pull you over and discover it. It flags up when they are driving past you, behind you etc.
Camera on the car picks up your reg and does the search automatically.
How huge would you be talking? More expensive than a years insurance?
Potentially a lot more expensive:
"
The police could give you a fixed penalty of £300 and 6 penalty points if you're caught driving a vehicle you're not insured to drive.
If the case goes to court you could get:
an unlimited fine
disqualified from driving
The police also have the power to seize, and in some cases, destroy the vehicle that's being driven uninsured."
Quote from: toby47 on November 09, 2023, 01:55:42 PMQuote from: RedHand88 on November 09, 2023, 01:16:14 PMQuote from: toby47 on November 09, 2023, 12:05:55 PMQuote from: clarshack on November 07, 2023, 09:23:43 PMIf it keeps going the way it is will more and more people just end up driving around with no insurance? Probably worth the risk if you drive an old banger but maybe not so much if you're running around in a 20-30 grand motor.
What would happen if you were stopped? Not in an accident or anything, but just pulled in by the cops and no insurance.
6 points and a huge fine. Also in the north (not sure about the south) they don't need to pull you over and discover it. It flags up when they are driving past you, behind you etc.
Camera on the car picks up your reg and does the search automatically.
How huge would you be talking? More expensive than a years insurance?
It's six points as well, which when you declare to your insurance company it inflates your premiums.
I get people saying it's a con but the alternate is a free for all on the roads. Imagine you having to fix a nice new car cause some shithead in hape of shite drives into you.
Quote from: trailer on November 09, 2023, 02:20:18 PMQuote from: toby47 on November 09, 2023, 01:55:42 PMQuote from: RedHand88 on November 09, 2023, 01:16:14 PMQuote from: toby47 on November 09, 2023, 12:05:55 PMQuote from: clarshack on November 07, 2023, 09:23:43 PMIf it keeps going the way it is will more and more people just end up driving around with no insurance? Probably worth the risk if you drive an old banger but maybe not so much if you're running around in a 20-30 grand motor.
What would happen if you were stopped? Not in an accident or anything, but just pulled in by the cops and no insurance.
6 points and a huge fine. Also in the north (not sure about the south) they don't need to pull you over and discover it. It flags up when they are driving past you, behind you etc.
Camera on the car picks up your reg and does the search automatically.
How huge would you be talking? More expensive than a years insurance?
It's six points as well, which when you declare to your insurance company it inflates your premiums.
I get people saying it's a con but the alternate is a free for all on the roads. Imagine you having to fix a nice new car cause some shithead in hape of shite drives into you.
Your still be able to claim of the motor insurers Bureau (MIB). Their the good guys dress in black, remember that, Just in case they ever make face to face contact.
Quote from: toby47 on November 09, 2023, 01:55:42 PMQuote from: RedHand88 on November 09, 2023, 01:16:14 PMQuote from: toby47 on November 09, 2023, 12:05:55 PMQuote from: clarshack on November 07, 2023, 09:23:43 PMIf it keeps going the way it is will more and more people just end up driving around with no insurance? Probably worth the risk if you drive an old banger but maybe not so much if you're running around in a 20-30 grand motor.
What would happen if you were stopped? Not in an accident or anything, but just pulled in by the cops and no insurance.
6 points and a huge fine. Also in the north (not sure about the south) they don't need to pull you over and discover it. It flags up when they are driving past you, behind you etc.
Camera on the car picks up your reg and does the search automatically.
How huge would you be talking? More expensive than a years insurance?
I mean, you're going to have to pay the insurance anyway if you're caught without it, at a higher rate than if you'd just got it at the start as you now have 6 penalty points. So yes you'll be much much worse out of pocket.
Inviting sod's law but you could be tempted to go without Home Insurance, I've made one home insurance claim in 25 years, on at least a couple of occasions I've fixed stuff without claiming for fear of pushing up premiums. The maths (mine anyway) would favour the go without in the long run.
Good luck if the house burns down
Even more so if you've a mortgage
It's always the worst case scenario that stops ye from cancelling...
Inviting disaster no doubt
House insurance isn't even that dear, few hundred a year. Imagine paying a mortgage on a house for a house you don't have, for 20 years. Christ it would ruin you.
Seriously, insure your bloody house.
Agree. House Insurance is way more important.
Who do you have your house insurance out with?? Anyone you would recommend?
Quote from: bigfrank on November 09, 2023, 08:41:19 PMWho do you have your house insurance out with?? Anyone you would recommend?
It doesent really matter who you are with as it's the underwriter you will be battling with when making a claim. There aren't that many underwriters in the UK
Sainsburys/Zurich via moneysupermarket.com worked well for me there recently
House Insurance renewal came through there and is up over 200% from last year. Knew it was going up but didn't expect that much of an increase lol.
Quote from: clarshack on November 22, 2023, 07:19:21 PMHouse Insurance renewal came through there and is up over 200% from last year. Knew it was going up but didn't expect that much of an increase lol.
Ours was £320 or something like that with Halifax, so renewal came in, £440, wife went on to comparison site, Halifax had a quote for £300!!
Basically phoned them and they reduced it to £295!
They must just print up a figure for renewals laugh their bollocks off and post it for the craic
Quote from: Milltown Row2 on November 22, 2023, 07:44:52 PMQuote from: clarshack on November 22, 2023, 07:19:21 PMHouse Insurance renewal came through there and is up over 200% from last year. Knew it was going up but didn't expect that much of an increase lol.
Ours was £320 or something like that with Halifax, so renewal came in, £440, wife went on to comparison site, Halifax had a quote for £300!!
Basically phoned them and they reduced it to £295!
They must just print up a figure for renewals laugh their bollocks off and post it for the craic
Compare NI only coming in a bit cheaper. Haven't even made any house insurance claims since the house was built 3 years ago.
Quote from: clarshack on November 22, 2023, 08:02:39 PMQuote from: Milltown Row2 on November 22, 2023, 07:44:52 PMQuote from: clarshack on November 22, 2023, 07:19:21 PMHouse Insurance renewal came through there and is up over 200% from last year. Knew it was going up but didn't expect that much of an increase lol.
Ours was £320 or something like that with Halifax, so renewal came in, £440, wife went on to comparison site, Halifax had a quote for £300!!
Basically phoned them and they reduced it to £295!
They must just print up a figure for renewals laugh their bollocks off and post it for the craic
Compare NI only coming in a bit cheaper. Haven't even made any house insurance claims since the house was built 3 years ago.
This time last year my home insurance was £336. With 1 claim it's now £1063. 1 claim in 25 years with the cnuts. Rang round a load of others, all piggy backing off my claim yet none have ever paid me a penny.
I view the insurance Halifax paid me as a shiity loan with massive interest rates
Know of a couple who got tens of thousands of a claim this past year shall we say due to quite a bad bit of damage, burst pipe if I can recall. Great for them but I shudder to think what their renewal will be....
Quote from: JoG2 on November 22, 2023, 09:11:56 PMQuote from: clarshack on November 22, 2023, 08:02:39 PMQuote from: Milltown Row2 on November 22, 2023, 07:44:52 PMQuote from: clarshack on November 22, 2023, 07:19:21 PMHouse Insurance renewal came through there and is up over 200% from last year. Knew it was going up but didn't expect that much of an increase lol.
Ours was £320 or something like that with Halifax, so renewal came in, £440, wife went on to comparison site, Halifax had a quote for £300!!
Basically phoned them and they reduced it to £295!
They must just print up a figure for renewals laugh their bollocks off and post it for the craic
Compare NI only coming in a bit cheaper. Haven't even made any house insurance claims since the house was built 3 years ago.
This time last year my home insurance was £336. With 1 claim it's now £1063. 1 claim in 25 years with the cnuts. Rang round a load of others, all piggy backing off my claim yet none have ever paid me a penny.
I view the insurance Halifax paid me as a shiity loan with massive interest rates
I've made one claim (was Tesco at time) we moved into current house about 20 years ago and noticed a leak from the en-suite, so assessors came out, no marine wall in shower unit!
So both shower units ( en-suite is adjacent to bathroom shower) had to come out, the builder came and after chatting a bit he said, "you're from the road?" I'd no idea what road but said aye!
He then went on and said I'll take all the tiles off, replace them both along the walls and floors! Brand new units, plasterboard ceilings in both downstairs rooms...
So I'm not surprised they bump up the rates.. but, we moved to new house insurance company and the quote was cheap as chips!!
Quote from: quit yo jibbajabba on November 22, 2023, 09:19:07 PMKnow of a couple who got tens of thousands of a claim this past year shall we say due to quite a bad bit of damage, burst pipe if I can recall. Great for them but I shudder to think what their renewal will be....
I had a significant claim a few years ago, tens of thousands, burst pipe. That year the renewal was fine, even after declaring the claim, last year it more than doubled, it's down a bit this year.
My current insurer actually refused to give me a renewal this year for some reason. It is all a con.
My car insurance was around £18 a month.
I stuck the young lad on it recently and it went up to £120 a month. I needed him on it that day but realised soon after it had been sorted by someone else (long story). Phoned them back within 2 hrs and said cancel that. They said no problem, back to your old insurance then. £100 a month. I said, but it was £18 and they said, tough. Poor error on my part.
Quote from: Saffrongael on November 22, 2023, 09:41:10 PMQuote from: quit yo jibbajabba on November 22, 2023, 09:19:07 PMKnow of a couple who got tens of thousands of a claim this past year shall we say due to quite a bad bit of damage, burst pipe if I can recall. Great for them but I shudder to think what their renewal will be....
I had a significant claim a few years ago, tens of thousands, burst pipe. That year the renewal was fine, even after declaring the claim, last year it more than doubled, it's down a bit this year.
My current insurer actually refused to give me a renewal this year for some reason. It is all a con.
I'd say in that instance the con wasn't on the part of the insurers ;)
Quote from: Saffrongael on November 22, 2023, 09:41:10 PMQuote from: quit yo jibbajabba on November 22, 2023, 09:19:07 PMKnow of a couple who got tens of thousands of a claim this past year shall we say due to quite a bad bit of damage, burst pipe if I can recall. Great for them but I shudder to think what their renewal will be....
I had a significant claim a few years ago, tens of thousands, burst pipe. That year the renewal was fine, even after declaring the claim, last year it more than doubled, it's down a bit this year.
My current insurer actually refused to give me a renewal this year for some reason. It is all a con.
Who are you with if you don't mind me asking Saffron? I tried compare the market etc... Some were £1600 for the year.
Does the fact I've claimed reset after 5 years?
Quote from: JoG2 on November 22, 2023, 10:10:25 PMQuote from: Saffrongael on November 22, 2023, 09:41:10 PMQuote from: quit yo jibbajabba on November 22, 2023, 09:19:07 PMKnow of a couple who got tens of thousands of a claim this past year shall we say due to quite a bad bit of damage, burst pipe if I can recall. Great for them but I shudder to think what their renewal will be....
I had a significant claim a few years ago, tens of thousands, burst pipe. That year the renewal was fine, even after declaring the claim, last year it more than doubled, it's down a bit this year.
My current insurer actually refused to give me a renewal this year for some reason. It is all a con.
Who are you with if you don't mind me asking Saffron? I tried compare the market etc... Some were £1600 for the year.
Does the fact I've claimed reset after 5 years?
MBNA, I got it through MoneySuperMarket, the other comparison websites were twice that.
Some comparison sites are 5 years but I think one of them is 3 years so I will have to check that out next year.
I've claimed on my health insurance this year so is it a case that my name is on the system for making a claim regardless of insurance and that is why my house insurance has went up astronomically?
Quote from: Saffrongael on November 22, 2023, 10:12:49 PMQuote from: JoG2 on November 22, 2023, 10:10:25 PMQuote from: Saffrongael on November 22, 2023, 09:41:10 PMQuote from: quit yo jibbajabba on November 22, 2023, 09:19:07 PMKnow of a couple who got tens of thousands of a claim this past year shall we say due to quite a bad bit of damage, burst pipe if I can recall. Great for them but I shudder to think what their renewal will be....
I had a significant claim a few years ago, tens of thousands, burst pipe. That year the renewal was fine, even after declaring the claim, last year it more than doubled, it's down a bit this year.
My current insurer actually refused to give me a renewal this year for some reason. It is all a con.
Who are you with if you don't mind me asking Saffron? I tried compare the market etc... Some were £1600 for the year.
Does the fact I've claimed reset after 5 years?
MBNA, I got it through MoneySuperMarket, the other comparison websites were twice that.
Some comparison sites are 5 years but I think one of them is 3 years so I will have to check that out next year.
Thanks, I was getting £1500 with mbna. I'll have to ride it out
Quote from: ONeill on November 22, 2023, 09:41:43 PMMy car insurance was around £18 a month.
I stuck the young lad on it recently and it went up to £120 a month. I needed him on it that day but realised soon after it had been sorted by someone else (long story). Phoned them back within 2 hrs and said cancel that. They said no problem, back to your old insurance then. £100 a month. I said, but it was £18 and they said, tough. Poor error on my part.
An error on my part with car insurance years ago was putting in my DOB !!
It was (I'm convinced) in the America style with months day year format...
So instead of 2/1/1972 the normal way it came up 1/2/1972...
For some daft reason I phoned them back to explain the difference, it cost me £50 extra over the year! Checked all over and it was the cheapest ffs!
Like why would one month be that different?
Astrology
Quote from: Milltown Row2 on November 22, 2023, 10:20:54 PMQuote from: ONeill on November 22, 2023, 09:41:43 PMMy car insurance was around £18 a month.
I stuck the young lad on it recently and it went up to £120 a month. I needed him on it that day but realised soon after it had been sorted by someone else (long story). Phoned them back within 2 hrs and said cancel that. They said no problem, back to your old insurance then. £100 a month. I said, but it was £18 and they said, tough. Poor error on my part.
An error on my part with car insurance years ago was putting in my DOB !!
It was (I'm convinced) in the America style with months day year format...
So instead of 2/1/1972 the normal way it came up 1/2/1972...
For some daft reason I phoned them back to explain the difference, it cost me £50 extra over the year! Checked all over and it was the cheapest ffs!
Like why would one month be that different?
Probably because you got it wrong in the first place. People who are a lower risk would not have made that mistake.
Quote from: trailer on November 23, 2023, 11:09:05 AMQuote from: Milltown Row2 on November 22, 2023, 10:20:54 PMQuote from: ONeill on November 22, 2023, 09:41:43 PMMy car insurance was around £18 a month.
I stuck the young lad on it recently and it went up to £120 a month. I needed him on it that day but realised soon after it had been sorted by someone else (long story). Phoned them back within 2 hrs and said cancel that. They said no problem, back to your old insurance then. £100 a month. I said, but it was £18 and they said, tough. Poor error on my part.
An error on my part with car insurance years ago was putting in my DOB !!
It was (I'm convinced) in the America style with months day year format...
So instead of 2/1/1972 the normal way it came up 1/2/1972...
For some daft reason I phoned them back to explain the difference, it cost me £50 extra over the year! Checked all over and it was the cheapest ffs!
Like why would one month be that different?
Probably because you got it wrong in the first place. People who are a lower risk would not have made that mistake.
Its the algorithms, there's is no flexibility "computer says no" attitude and unable to correct things
Quote from: maddog on November 23, 2023, 08:10:41 AMAstrology
People born in February are better drivers and nicer people all round.
Are there any companies that specialise in adding youngsters to car insurance? Asking in hope more than expectation, realise there's a robbing heading my way.
Abbey Autoline have ChilliDrive that is a GPS monitored insurance product. I've no idea what pricing is like, but worth a chat (NI based advisors).
Quote from: bennydorano on November 27, 2023, 11:10:10 AMAre there any companies that specialise in adding youngsters to car insurance? Asking in hope more than expectation, realise there's a robbing heading my way.
AXA supposed to be very good for young drivers, according to the local driving instructor.
I've two youngsters, 17 and 18 on mine; cost less for two than one.
Cheers X2, somewhere to start
Quote from: bennydorano on November 27, 2023, 11:10:10 AMAre there any companies that specialise in adding youngsters to car insurance? Asking in hope more than expectation, realise there's a robbing heading my way.
Got the eldest lads renewal quote today. Up from 1550 to 2150 if pay in one hit or a cool 2450 by monthly direct debit :'(. That's with Hughes. The sister in law got a decent quote from Admiral for her daughter so will be giving them a ring this week.
Quote from: Tony Baloney on November 27, 2023, 08:34:11 PMQuote from: bennydorano on November 27, 2023, 11:10:10 AMAre there any companies that specialise in adding youngsters to car insurance? Asking in hope more than expectation, realise there's a robbing heading my way.
Got the eldest lads renewal quote today. Up from 1550 to 2150 if pay in one hit or a cool 2450 by monthly direct debit :'(. That's with Hughes. The sister in law got a decent quote from Admiral for her daughter so will be giving them a ring this week.
Almost £2.5k by DD.
That's serious. A con if there's ever been one.
Imagine have a few kids around that age. It's be £5k before a key's put in the ignition.
Quote from: marty34 on November 27, 2023, 11:18:16 PMQuote from: Tony Baloney on November 27, 2023, 08:34:11 PMQuote from: bennydorano on November 27, 2023, 11:10:10 AMAre there any companies that specialise in adding youngsters to car insurance? Asking in hope more than expectation, realise there's a robbing heading my way.
Got the eldest lads renewal quote today. Up from 1550 to 2150 if pay in one hit or a cool 2450 by monthly direct debit :'(. That's with Hughes. The sister in law got a decent quote from Admiral for her daughter so will be giving them a ring this week.
Almost £2.5k by DD.
That's serious. A con if there's ever been one.
Imagine have a few kids around that age. It's be £5k before a key's put in the ignition.
My daughters in Liverpool and I thought it would be easier to just take her off the insurance. Put her on it when she's home, actually it's more expensive, so I've left her on it, which will help her when she gets her own, hopefully soon lol!
Quote from: marty34 on November 27, 2023, 11:18:16 PMQuote from: Tony Baloney on November 27, 2023, 08:34:11 PMQuote from: bennydorano on November 27, 2023, 11:10:10 AMAre there any companies that specialise in adding youngsters to car insurance? Asking in hope more than expectation, realise there's a robbing heading my way.
Got the eldest lads renewal quote today. Up from 1550 to 2150 if pay in one hit or a cool 2450 by monthly direct debit :'(. That's with Hughes. The sister in law got a decent quote from Admiral for her daughter so will be giving them a ring this week.
Almost £2.5k by DD.
That's serious. A con if there's ever been one.
Imagine have a few kids around that age. It's be £5k before a key's put in the ignition.
I've another fella turning 17 next month :'(. The eldest is at uni in Belfast so feasibly could use public transport and give his car to the other fella so only one set of insurance but that suggestion has gone down like a lead balloon.
Quote from: Tony Baloney on November 27, 2023, 08:34:11 PMQuote from: bennydorano on November 27, 2023, 11:10:10 AMAre there any companies that specialise in adding youngsters to car insurance? Asking in hope more than expectation, realise there's a robbing heading my way.
Got the eldest lads renewal quote today. Up from 1550 to 2150 if pay in one hit or a cool 2450 by monthly direct debit :'(. That's with Hughes. The sister in law got a decent quote from Admiral for her daughter so will be giving them a ring this week.
Update. The wife got fully comp for the eldest fella for £1100 with Admiral rather than the renewal quote from Hughes of £2150! It's bonkers the differences in quotes. I've told her to check there isn't a catch :-\
Quote from: Tony Baloney on November 30, 2023, 10:38:27 AMQuote from: Tony Baloney on November 27, 2023, 08:34:11 PMQuote from: bennydorano on November 27, 2023, 11:10:10 AMAre there any companies that specialise in adding youngsters to car insurance? Asking in hope more than expectation, realise there's a robbing heading my way.
Got the eldest lads renewal quote today. Up from 1550 to 2150 if pay in one hit or a cool 2450 by monthly direct debit :'(. That's with Hughes. The sister in law got a decent quote from Admiral for her daughter so will be giving them a ring this week.
Update. The wife got fully comp for the eldest fella for £1100 with Admiral rather than the renewal quote from Hughes of £2150! It's bonkers the differences in quotes. I've told her to check there isn't a catch :-\
Fully comp with Admiral doesn't usually allow the named driver to have third party cover on another vehicle. I'd still take lower quote.
Quote from: thewobbler on November 09, 2023, 01:24:01 PMCar insurance is compulsory by law, to the point that law enforcement will actively make the case against you for any discrepancy, rather than devolving it as a civil matter. What a wonderful perk for any business model.
It is therefore, for all intents and purposes, taxation. Except it is a tax which is set (as good as) independently from government regulation, and one in which our contributions make their way into the pockets of foreign shareholders.
Insurance is rotten from the top-down.
100%. And if the day ever comes you need to claim, you'll have to jump through hoops to get your money and then repay it back through higher premiums for life. A total scam.
Anyone with young ones driving around the border counties be wary of some of the insurance policies from the English insurance companies. Some of them have restrictions for under 25s which limits the cover to NI only. Once they cross the border there's no insurance.
Quote from: brokencrossbar1 on November 30, 2023, 12:24:56 PMAnyone with young ones driving around the border counties be wary of some of the insurance policies from the English insurance companies. Some of them have restrictions for under 25s which limits the cover to NI only. Once they cross the border there's no insurance.
They need to stop such policies being sold. Back in the day the Stormont government required policies sold in NI to be valid in the 26 counties and then of course in the EU such a restriction would not be legal. There are loose ends like this from Brexit that have not been properly addressed.
Quote from: brokencrossbar1 on November 30, 2023, 12:24:56 PMAnyone with young ones driving around the border counties be wary of some of the insurance policies from the English insurance companies. Some of them have restrictions for under 25s which limits the cover to NI only. Once they cross the border there's no insurance.
Good point! I'm less than 10 mins from the border and he has mates in Monaghan he's regularly driving to see. I knew there had to be a catch ??? (apart from the £370 voluntary excess!)
Some firms give you a reduction if you are a member of your local Credit Union so give this a try
Getting a parent added as a named driver apparently can help take down cost of young uns own insurance, who knew 🤔
Sons renewal quote from AXA came in. Up 75% from last year (800 to 1400)
Got my renewal in, no claims and I'm driving nearly 30 years and my renewal went from £520 last year to £860 this year. £340 jump for nothing.
Worst is, I can't get it cheaper anywhere else.
Consumer is being shafted here.
It's a money racket plain and simple.
Home insurance quote in today, up from 450 to 890. Never claimed off it yet.
Theft
What's the so called reasons given for massive increase this year?
Quote from: Wildweasel74 on December 12, 2023, 02:33:53 AMWhat's the so called reasons given for massive increase this year?
Inflation and climate change.
Cost of repairs (suppose that's the inflation part)
Be interesting to check the profits of some these countries if we weren't too busy trying to make money to you know, keep existing
Edit - companies
Quote from: quit yo jibbajabba on December 12, 2023, 07:34:26 AMCost of repairs (suppose that's the inflation part)
Be interesting to check the profits of some these countries if we weren't too busy trying to make money to you know, keep existing
Edit - companies
That's the sick joke about all of this. They claim operating expenses etc are up hence the need for price hikes but many of these companies are posting record profits. Same with energy and oil companies. Funny that! Fair enough businesses need to make a profit but this is price gouging plain and simple. The worst part of this is they are acclimatising everyone into thinking this is normal. If you get 100 quid of your insurance next year you'll think you are getting a good deal but that'll be into the second year of you paying way more than early 2023.
Surely there is an opportunity for a company to come in and undercut these feckers!!
A good slogan like.. We'll undercut any quote.com
If you were saving £50 off your your renewal quote you'd be gone in a shot..
Yet car insurance in the 26 counties has come down, so that it is now cheaper than in the North. I am only paying 60% of what I was before Covid.
It is easy to say that these companies must be making money, but the state of driving is shocking, the least scratch costs thousands to repair and if someone if seriously injured than a million might be needed to compensate them. Thankfully, serious injuries are not so common, but scratches are.
Few people are driving old motors these days. They're all in big jeeps as far as I can see. Big expensive foreign motors, with expensive parts . That's bound to raise premiums
Gone are the days where you could fix everything with a wrench , nowadays it's all computers diagnosis
Quote from: AustinPowers on December 12, 2023, 11:01:14 AMFew people are driving old motors these days. They're all in big jeeps as far as I can see. Big expensive foreign motors, with expensive parts . That's bound to raise premiums
Gone are the days where you could fix everything with a wrench , nowadays it's all computers diagnosis
Its not just the big expensive cars that are like this, the traditionally "cheaper" cars like a ford fiesta are also like this. There are no cheap to buy cars now.
But at the same time, what percentage of insurance policies make a claim in a year? I can't see it being above 10%.
So 90% of all premiums collected to pay for claims made by 10% of all those insured. Has to be an absolute fortune in profit regardless of pay-outs.
Government really needs to step in here and put some manners in these insurers. Otherwise what will happen is that there will be more and more people driving without insurance as they simply cannot afford it.
And for those people who are involved in accidents, they will claim to the absolute max as they know their insurance will be daylight robbery in the years to come so best get as much off them now as possible.
Quote from: tbrick18 on December 12, 2023, 11:10:23 AMQuote from: AustinPowers on December 12, 2023, 11:01:14 AMFew people are driving old motors these days. They're all in big jeeps as far as I can see. Big expensive foreign motors, with expensive parts . That's bound to raise premiums
Gone are the days where you could fix everything with a wrench , nowadays it's all computers diagnosis
Its not just the big expensive cars that are like this, the traditionally "cheaper" cars like a ford fiesta are also like this. There are no cheap to buy cars now.
But at the same time, what percentage of insurance policies make a claim in a year? I can't see it being above 10%.
So 90% of all premiums collected to pay for claims made by 10% of all those insured. Has to be an absolute fortune in profit regardless of pay-outs.
Government really needs to step in here and put some manners in these insurers. Otherwise what will happen is that there will be more and more people driving without insurance as they simply cannot afford it.
And for those people who are involved in accidents, they will claim to the absolute max as they know their insurance will be daylight robbery in the years to come so best get as much off them now as possible.
Your post does not make sense. If 10% of policies have a claim and the claim is 10 times the cost of the policy then the company is making no profit at all. People will claim the absolute max in any case and the claimants may not be those paying the policies.
On the issue of dash cams, isn't your insurance cheaper if you have one fitted ?
And if so, why aren't prices coming down I general? As that would cut down on bogus claims
I know he's a ballix and all but wouldn't this price hike be the kind of thing the biggest little c**t in the country would like to get his teeth into?
Quote from: armaghniac on December 12, 2023, 11:20:43 AMQuote from: tbrick18 on December 12, 2023, 11:10:23 AMQuote from: AustinPowers on December 12, 2023, 11:01:14 AMFew people are driving old motors these days. They're all in big jeeps as far as I can see. Big expensive foreign motors, with expensive parts . That's bound to raise premiums
Gone are the days where you could fix everything with a wrench , nowadays it's all computers diagnosis
Its not just the big expensive cars that are like this, the traditionally "cheaper" cars like a ford fiesta are also like this. There are no cheap to buy cars now.
But at the same time, what percentage of insurance policies make a claim in a year? I can't see it being above 10%.
So 90% of all premiums collected to pay for claims made by 10% of all those insured. Has to be an absolute fortune in profit regardless of pay-outs.
Government really needs to step in here and put some manners in these insurers. Otherwise what will happen is that there will be more and more people driving without insurance as they simply cannot afford it.
And for those people who are involved in accidents, they will claim to the absolute max as they know their insurance will be daylight robbery in the years to come so best get as much off them now as possible.
Your post does not make sense. If 10% of policies have a claim and the claim is 10 times the cost of the policy then the company is making no profit at all. People will claim the absolute max in any case and the claimants may not be those paying the policies.
They won't make profit off the 10% of policies who claim, but they have 100% profit of the other 90%.
Quote from: Puckoon on December 12, 2023, 12:32:39 PMI know he's a ballix and all but wouldn't this price hike be the kind of thing the biggest little c**t in the country would like to get his teeth into?
Bono? Conor McGregor? Who are you talking about as there is stiff competition for that title
Quote from: Itchy on December 12, 2023, 12:41:59 PMQuote from: Puckoon on December 12, 2023, 12:32:39 PMI know he's a ballix and all but wouldn't this price hike be the kind of thing the biggest little c**t in the country would like to get his teeth into?
Bono? Conor McGregor? Who are you talking about as there is stiff competition for that title
Seamie Bryson?
Quote from: tbrick18 on December 12, 2023, 12:38:48 PMQuote from: armaghniac on December 12, 2023, 11:20:43 AMQuote from: tbrick18 on December 12, 2023, 11:10:23 AMQuote from: AustinPowers on December 12, 2023, 11:01:14 AMFew people are driving old motors these days. They're all in big jeeps as far as I can see. Big expensive foreign motors, with expensive parts . That's bound to raise premiums
Gone are the days where you could fix everything with a wrench , nowadays it's all computers diagnosis
Its not just the big expensive cars that are like this, the traditionally "cheaper" cars like a ford fiesta are also like this. There are no cheap to buy cars now.
But at the same time, what percentage of insurance policies make a claim in a year? I can't see it being above 10%.
So 90% of all premiums collected to pay for claims made by 10% of all those insured. Has to be an absolute fortune in profit regardless of pay-outs.
Government really needs to step in here and put some manners in these insurers. Otherwise what will happen is that there will be more and more people driving without insurance as they simply cannot afford it.
And for those people who are involved in accidents, they will claim to the absolute max as they know their insurance will be daylight robbery in the years to come so best get as much off them now as possible.
Your post does not make sense. If 10% of policies have a claim and the claim is 10 times the cost of the policy then the company is making no profit at all. People will claim the absolute max in any case and the claimants may not be those paying the policies.
They won't make profit off the 10% of policies who claim, but they have 100% profit of the other 90%.
Of course they do, otherwise they would go bust.
Where's Quinn Insurance when you need them? OK, too early for low digs?!
It's a myth that costs have went up that much. In real terms premiums since 2004 have went up 21% while costs have dropped by 6% over the same period.
Costs of managing claims has risen and there has been some changes in regulations that have increased costs for insurance companies. But overall motor claims (in the uk)are just under £12B, and premiums are just over £19B. So still a healthy profit margin. And this would be before recent price gouging.
For a regulated industry, Insurance badly needs closer attention by watchdogs on pricing.
What's the deal with your car insurance when changing jobs?
Are you meant to let your insurer know if you started a different line of work? (eg. moving from an office job to a sales assistant?)
And do you need to notify them if say, you became unemployed/or became a full time carer for someone ?