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Jack Charlton
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Points: 9820 		Post Options Post Options   Thanks (0) Thanks(0)   Quote Shedite Quote  Post ReplyReply Direct Link To This Post Posted: 21 Sep 2020 at 7:28am
Originally posted by deco911 deco911 wrote:

anyone know what happens when someone uninsured hits you. A lady hit my dad tonight her insurance is out since yesterday. Probably will need two new doors and the panel at rear of car. She admitted liability. Claimed she didn’t know insurance was out 🙄 
She's liable to pay regardless of insurance. Send her the bill, time for her to smash open the piggy bank.

And BS about not knowing the insurance being up, the final reminder insurance companies send have to be via registered post so she signed for the reminder letter.


Edited by Shedite - 21 Sep 2020 at 7:28am
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Originally posted by Shedite Shedite wrote:

Originally posted by deco911 deco911 wrote:

anyone know what happens when someone uninsured hits you. A lady hit my dad tonight her insurance is out since yesterday. Probably will need two new doors and the panel at rear of car. She admitted liability. Claimed she didn’t know insurance was out 🙄 
She's liable to pay regardless of insurance. Send her the bill, time for her to smash open the piggy bank.

And BS about not knowing the insurance being up, the final reminder insurance companies send have to be via registered post so she signed for the reminder letter.
I don't ever recall getting a registered letter for any insurance about to lapse and I pretty much change insurer annually for both car and home. 
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Jack Charlton
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Originally posted by deco911 deco911 wrote:

anyone know what happens when someone uninsured hits you. A lady hit my dad tonight her insurance is out since yesterday. Probably will need two new doors and the panel at rear of car. She admitted liability. Claimed she didn’t know insurance was out 🙄 
 
I know AXA used to give you a week or so additional cover if you missed your renewal date, don't know if they do or anyone else anymore. Sounds like an honest mistake regarding the insurance being a day out and not someone driving intentionally around uninsured. Anyway there is an umbrella body that all insurance companies pay into that covers people hit by uninsured drivers so they aren't left out of pocket.
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Originally posted by Shedite Shedite wrote:

Originally posted by deco911 deco911 wrote:

anyone know what happens when someone uninsured hits you. A lady hit my dad tonight her insurance is out since yesterday. Probably will need two new doors and the panel at rear of car. She admitted liability. Claimed she didn’t know insurance was out 🙄 
She's liable to pay regardless of insurance. Send her the bill, time for her to smash open the piggy bank.

And BS about not knowing the insurance being up, the final reminder insurance companies send have to be via registered post so she signed for the reminder letter.

Worked in insurance for a few years and that was never the case.

You'd get final reminders for new policies in terms of chasing documents or payments, but I don't recall any being sent for renewals. Certainly not registered post any way.
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Originally posted by deco911 deco911 wrote:

anyone know what happens when someone uninsured hits you. A lady hit my dad tonight her insurance is out since yesterday. Probably will need two new doors and the panel at rear of car. She admitted liability. Claimed she didn’t know insurance was out 🙄 

I thought all insurance was auto renewed unless you contact the insurer before it rolled over. Mine definitely does for both home and car. 
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Jack Charlton
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Originally posted by Slow & Blind Slow & Blind wrote:

Originally posted by deco911 deco911 wrote:

anyone know what happens when someone uninsured hits you. A lady hit my dad tonight her insurance is out since yesterday. Probably will need two new doors and the panel at rear of car. She admitted liability. Claimed she didn’t know insurance was out 🙄 

I thought all insurance was auto renewed unless you contact the insurer before it rolled over. Mine definitely does for both home and car. 
 
If you pay via monthly direct debit a lot of them will auto renew. If you pay it all in one go it doesn't.
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Wrong on the registered letter, doesn't happen. If it's being cancelled then it's a registered letter alright but not for a renewal

Loads forget about it, believe me. If she went and paid for it today she'd be covered from her renewal date more than likely so could probably still put the claim through the insurance, if she wanted
Some people just deserve a slap
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Jack Charlton
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Been a few years since I've worked in insurance (2015) but thought that was the case for lapses. Maybe I'm mixing it up with something else
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Ray Houghton
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cheers lads - her insurance is paying up. The guards on other hand no so impressed - she did it ten feet from parked Garda car.
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Originally posted by deco911 deco911 wrote:

cheers lads - her insurance is paying up. The guards on other hand no so impressed - she did it ten feet from parked Garda car.
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Car Insurance renewal (FBD) arrived just now. Almost doubled on last year from €798 to €1375. How the f**k can that be justified? 
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Jack Charlton
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Originally posted by Sham157 Sham157 wrote:

Car Insurance renewal (FBD) arrived just now. Almost doubled on last year from €798 to €1375. How the f**k can that be justified? 
You've 2 options
1. Be lazy and pay 1375
2. Go to chill.ie and get quotes to see if there is cheaper and pay that

Same thing happening with your Sky, Bord Gais, Phone bill etc while you're at it
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Originally posted by Sham157 Sham157 wrote:

Car Insurance renewal (FBD) arrived just now. Almost doubled on last year from €798 to €1375. How the f**k can that be justified? 
 
Hummmm mine went up to €440 a riase of €80 and Mrs Clarets dropped €85
 
Hey swings and roundabouts .
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Originally posted by Sham157 Sham157 wrote:

Car Insurance renewal (FBD) arrived just now. Almost doubled on last year from €798 to €1375. How the f**k can that be justified? 

They've some neck.
When you consider the lock down too - I would say a lot of people are driving a lot less miles too.

My insurance is about 380e per year.
It was far across the sea,
When the devil got a hold of me,
He wouldn't set me free,
So he kept me soul for ransom.
na na na na na na na na na
na na na na na na na na.
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Originally posted by Shedite Shedite wrote:

Originally posted by Sham157 Sham157 wrote:

Car Insurance renewal (FBD) arrived just now. Almost doubled on last year from €798 to €1375. How the f**k can that be justified? 
You've 2 options
1. Be lazy and pay 1375
2. Go to chill.ie and get quotes to see if there is cheaper and pay that

Same thing happening with your Sky, Bord Gais, Phone bill etc while you're at it
Im well aware of my options and of course I will shop around as I always do for everything. I was merely highlighting the extortionate jump in premium and how it can be justified as I know one or two on here work in the industry.
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Jack Charlton
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Originally posted by Sham157 Sham157 wrote:

Car Insurance renewal (FBD) arrived just now. Almost doubled on last year from €798 to €1375. How the f**k can that be justified? 

It can't. Absolute gouging scumbags. 
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Originally posted by horsebox horsebox wrote:

Originally posted by Sham157 Sham157 wrote:

Car Insurance renewal (FBD) arrived just now. Almost doubled on last year from €798 to €1375. How the f**k can that be justified? 

They've some neck.
When you consider the lock down too - I would say a lot of people are driving a lot less miles too.

My insurance is about 380e per year.
How is it that low? Ive never known anyone with Car Insurance that low. You sire you haven’t  just insured the spare wheel? 

Ive loads of time to renewal but just went onto the FBD site for a nosy as my current policy is through AnPost. Same details exactly and they quoted me direct €783. 
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Originally posted by Sham157 Sham157 wrote:

Originally posted by horsebox horsebox wrote:

Originally posted by Sham157 Sham157 wrote:

Car Insurance renewal (FBD) arrived just now. Almost doubled on last year from €798 to €1375. How the f**k can that be justified? 

They've some neck.
When you consider the lock down too - I would say a lot of people are driving a lot less miles too.

My insurance is about 380e per year.
How is it that low? Ive never known anyone with Car Insurance that low. You sire you haven’t  just insured the spare wheel? 

Ive loads of time to renewal but just went onto the FBD site for a nosy as my current policy is through AnPost. Same details exactly and they quoted me direct €783. 

I know, it makes no sense.

My previous car which was an 05 lexux with a value of 2k was costing me approx 800e pa.

I then changed car to a newer car 2015 with a value of 16k and the cost went down to approx 400e.

All above board too.
It was far across the sea,
When the devil got a hold of me,
He wouldn't set me free,
So he kept me soul for ransom.
na na na na na na na na na
na na na na na na na na.
I'm a sailor man from Glasgow to
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