Car Insurance
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Forum Name: Whatever!
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URL: https://forum.ybig.ie/forum_posts.asp?TID=53726
Printed Date: 25 Apr 2024 at 7:11pm
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Topic: Car Insurance
Posted By: MayoMark
Subject: Car Insurance
Date Posted: 25 Apr 2016 at 11:37am
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Gone up €300, cheapest i can get is €1,098. No claims in my first 2 years of driving. If I worked in Castlebar I'd tell them to get f**ked and just sell my car. I am sick. Absolute ****s ------------- They finally did it man... They killed my f**kin' car... |
Replies:
Posted By: McG
Date Posted: 25 Apr 2016 at 12:22pm
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Same story for everyone it seems. Mine only went up 90. Took it. ------------- YBIG Table Quiz winner 2016 & 2017 AS YOU WERE McGx |
Posted By: Shedite
Date Posted: 25 Apr 2016 at 12:40pm
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You a young driver Mark? Why's it so expensive? Shop around is the only advice. If all companies are offering similar then unfortunately you've got some risk attached to you
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Posted By: Gary McKay
Date Posted: 25 Apr 2016 at 12:53pm
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Was expecting mine to go up but actually went down by €100. When the rang to renew they knocked another €50 off. 123.ie. ------------- "Smalling and Jones.... have the potential to be the PL’s best ever pairing in my opinion." - SlurAlex |
Posted By: Shoco
Date Posted: 25 Apr 2016 at 1:09pm
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got my renewal last week, gone up 170 quid, can get potentially cheaper if i change to AIG and use their driving app, don't think it's worth the hassle for a potential 70 quid saving -------------  YOUR 3 IN A ROW LEAGUE CHAMPIONS |
Posted By: MayoMark
Date Posted: 25 Apr 2016 at 2:53pm
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I'll try 123.ie tomorrow and see what the story is I'm 27 and only driving for 2 years which is why it's so high. Awful frustrating though. ------------- They finally did it man... They killed my f**kin' car... |
Posted By: OohAah...
Date Posted: 25 Apr 2016 at 3:08pm
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25plus.ie has been the cheapest for me for the last 2 years, allthough this year they did jump up , they still worked out the cheapest. I think Anpost were looking cheap aswell and Britton Insurance up in donegal.
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Posted By: bhob
Date Posted: 04 May 2016 at 1:25pm
Got a quote for my renewal and it's gone up by €375 
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Posted By: Gavintheslob
Date Posted: 05 May 2016 at 9:19am
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general question about insurance I sold my car this time last year so havent had insurance for a year now. How long is it before i lose my no claims bonus because i havent been insured. ------------- Its very frustrating being a Slob |
Posted By: Fitzinho
Date Posted: 05 May 2016 at 10:22am
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Two years it is. I was in the same boat so now myself and my wife switch insurance each year on the same car, this year I'm the main with her named driver and next year vice versa, it's the only way to keep both sets of no claims floating. If you have no one that can fill that role I'm not sure what you'd do.
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Gavintheslob wrote:Posted By: Gavintheslob
Date Posted: 05 May 2016 at 10:34am
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Can i Insure myself on her car as the main driver if the car is not in my name ------------- Its very frustrating being a Slob |
Posted By: Shoco
Date Posted: 05 May 2016 at 10:35am
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not if shes already insured as the main driver ------------- YOUR 3 IN A ROW LEAGUE CHAMPIONS |
Posted By: Fitzinho
Date Posted: 05 May 2016 at 10:35am
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Yep, that's exactly what we've done. It's a common enough practice for this situation. Just cancel or wait for her insurance to be up.
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Posted By: cullenswood
Date Posted: 05 May 2016 at 11:03am
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You are supposed to be the registered owner of the vehicle in order to be the main driver under an insurance policy. At least that is the way is used to be when I worked in the industry. It was a question specifically asked on the proposal form. Check into that, when renewing again, it might be in the small print.
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Posted By: Croftman
Date Posted: 05 May 2016 at 11:25am
If its husband & wife its grand, it can be registered in either name and insured in either name. For everyone else it needs to be insured in whoever's name it's registered Just about the above posts, switching every year is one way of going about it all but it really shouldn't need to be done. If you haven't had a policy in a few years and lost your bonus but were driving under the missus insurance for example, you'd get the benefit of that driving experience when you go to get your own policy again anyway. At least with the majority of companies you will ------------- Some people just deserve a slap |
Posted By: Guest
Date Posted: 21 May 2016 at 11:44am
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Is online the best place to get car insurance instead of the store? After searching around i found 123.ie to be the cheapest but was wandering if there's anywhere cheaper than them? |
Posted By: kimbap
Date Posted: 22 May 2016 at 11:55am
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Had to renew car insurance there last week.Was with Allianz.850e last year.I have a full Irish license for 20 years,no points and drive a 1.4 litre car.Thats a fairly hefty slice of wedge as it was and then they wanted 950e off me this year. I rang around and eventually got 650e from Chill.The only way to sort this is to ring around,spend an afternoon at it. |
Posted By: Guest
Date Posted: 22 May 2016 at 2:12pm
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Kimbap would it not be cheaper to do online? I'm in a similar position regarding full Irish license, no points and 10+ years experience. The cheapest i got yesterday online with a 1.4L car was €490 from 123.ie |
Posted By: Green Devil
Date Posted: 09 Jun 2016 at 4:31pm
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Just got a quote of €5,000 from 123.ie! I've been driving 9 years (on a provisional  ) have my full licence test next week so fingers cross I pass it!Now I had a minor claim when driving as a named driver on my mams premium, will my quote come down a good amount once I have the full licence and can anyone recommend the cheapest company to turn too please? ------------- "He drives two Ferraris; I think he's a very lucky lad to have 50 caps for Ireland," Eamonn Dunphy on Glenn Whelan |
Posted By: horsebox
Date Posted: 09 Jun 2016 at 4:47pm
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Try 123. Insurance premiums are going through the roof anyway. ------------- 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 |
Posted By: Green Devil
Date Posted: 09 Jun 2016 at 4:49pm
They were the c**ts who were asking for €5,000  I may do something soon, as I can't keep going under my mam's name for insurance..... ------------- "He drives two Ferraris; I think he's a very lucky lad to have 50 caps for Ireland," Eamonn Dunphy on Glenn Whelan |
Posted By: colmoc
Date Posted: 09 Jun 2016 at 5:08pm
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Posted By: 9fingers
Date Posted: 09 Jun 2016 at 9:46pm
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If you're looking for cheap insurance I'd start by selling the Jag I'd say it looks great with the L plates though
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Posted By: Green Devil
Date Posted: 09 Jun 2016 at 9:51pm
I won't be driving it until I pass my full licence test Monday week  ------------- "He drives two Ferraris; I think he's a very lucky lad to have 50 caps for Ireland," Eamonn Dunphy on Glenn Whelan |
Posted By: Guest
Date Posted: 09 Jun 2016 at 11:00pm
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Posted By: Green Devil
Date Posted: 16 Jun 2016 at 7:00pm
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Got some decent news today regarding insurance, basically if I pass my test on Monday i'll get fully comp for €2,100 which is some deal in comparison to the €5,000 I was getting quoted from 123.ie with a provisional. May pass this f**king test Monday or I may go and book the test again and keep shelling out for lessons  ------------- "He drives two Ferraris; I think he's a very lucky lad to have 50 caps for Ireland," Eamonn Dunphy on Glenn Whelan |
Posted By: Neil Armstrong
Date Posted: 22 Jul 2016 at 11:50pm
Fasten your seat belts here we go again! unfcukinbelieveble! MOTORISTS have been hit by a new insurance crisis after another insurer regulated outside the country collapsed. Enterprise Insurance, which is regulated in Gibraltar, is being wound up. The insurer has 14,000 policyholders here, selling its insurance through brokers. It is not known what the cost of the collapse will be for motorists here, but it is expected to run into the millions of euro. Malta-regulated Setanta failed in 2014 leading to a legal dispute over who should pick up the cost for the 1,700 claims that could cost €95.2m to settle. But ultimately the collapse of Setanta will be paid for by motorists here. Now there are fears that another collapse of an insurer will end up putting new pressure on premiums. Across all insurers premiums shot up by almost 40pc last year as the industry struggles with a number of issues. The failure of Enterprise Insurance is likely to add to the pressure on premium rates. The Central Bank of Ireland said it did not regulate Enterprise Insurance but was informed by officials in Gibraltar that the firm was being wound up. Enterprise Insurance also had operations in other European countries. The Central Bank said: “Motor insurance policyholders in Ireland, who bought insurance through the broker network, may be affected. Any policy holder who has concerns about their policy should contact their broker in the first instance.” Policyholders with questions should contact the Gibraltar Financial Services Authority Commission on 00 350 200 40284, or email enterprisepolicyholders@fsc.gi. Motorists affected also contact Enterprise on telephone number 00 350 200 50150. ------------- Ulster Champions 2020 our 40th Title. Take that all ye Moanaghan ***ts! |
Posted By: Butch
Date Posted: 23 Jul 2016 at 12:11am
| Getting out of control . I have a uk policy and the same policy in Ireland would be €500 dearer . |
Posted By: Hans Moleman
Date Posted: 23 Jul 2016 at 12:18am
Butch, do you live in the UK and have a UK policy? Or are you living in Ireland and managed to get a policy through a UK company? Interested because when my insurance was up a few months ago I was trying to suss out was it possible to get insurance in the UK/EU that would be cheaper but also legally cover me here. I had no luck. The whole insurance thing is an absolute shambles at this point.
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Posted By: deise316
Date Posted: 23 Jul 2016 at 12:32am
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3 main factors at play here, firstly, the collapse of Quinn & Setanta (well documented, though why motorists should have to pay for Mr Quinn's removal of company funds to go & gamble on buying shares in Anglo Irish bank, thus leaving his insurance company insolvent, is probably a subject deserving of a thread of its own). Nobody found guilty by any court of law of anything here yet, don't think there are even plans to bring anyone to court over it. 2nd, Insurance fraud, tis only massive in this country, and 3rd, very much linked to point 2, is the amount of money our courts are throwing out to personal injury claims. These should be capped, and in the case of individuals with a history of multiple claims, thoroughly investigated. Everything in this country relating to running a car is actually a scandal, from the tax laws on older cars, to the illegal VRT on the selling price (government make so much money from this illegal tax that they can afford to pay the EU fine annually & still come out of it in profit), the tax level on petrol, insurance costs where motorists are now paying for a private individual's gambling debt, to the fact the road tax isn't all spent on the roads, but on things like Irish Water instead. Then you have the money making racket that is the NCT, fair enough, a safety test of sorts is required, but if your car has a blown bulb worth € 2 on the day of the test, that's a fail & a € 25 re-test fee please. The green party managed to entirely kill off car manufacturers selling petrol cars here nearly entirely, just because it was thought diesel was more environmentally friendly. The VW shenanigans proved this may not be the case either. Whole thing is a disaster from start to finish. ------------- Picked the wrong week to quit sniffing glue..... |
Posted By: Hans Moleman
Date Posted: 23 Jul 2016 at 12:44am
| The petrol tax was one that I wasn't fully aware of until a year or 2 ago. Now I knew there was plenty of tax going to the government when I bought petrol but I had no idea it was way over 50 percent {correct me if I'm wrong there}. Everything about running a car is a money making scam for the government here. The point about motor tax being spent on other things besides roads really boils my p*ss as well. I'm presuming that has been going on since the year dot? |
Posted By: deise316
Date Posted: 23 Jul 2016 at 1:12am
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Not entirely sure on that one Hans, I suppose it all goes into the larger tax take & is distributed as the government see fit, like, the Celtic Tiger FF government probably did spend the majority of the motor tax money on roads with their motorway network building projects at that time, but it probably varies from year to year. As far as I know, the motor tax take is far larger than what is spent on transport in the past few years anyway, in 2015, the take was 1.159 billion euros. That's just motor tax, not including NCT take (government in a share ownership of NCT with Swedish company) , not road tolls, not VRT on cars, not VAT on cars, not VAT on petrol, not VAT on tyres, not VAT on service costs, not driving licence fees, not VAT on learning to drive in the first place, not VAT or levy on insurance. Motorists are basically keeping this country on the road (pun intended) ------------- Picked the wrong week to quit sniffing glue..... |
Posted By: rossieman
Date Posted: 23 Jul 2016 at 10:48am
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Motor Tax money is put into the general taxation fund and is spent any way they see fit.Its sure as f**k isnt kept solely to fund transport infrastructure or help make driving safer. Deise is right,motorists really do prop up the country. |
Posted By: 9fingers
Date Posted: 23 Jul 2016 at 12:16pm
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Government take from NCT is small, which is probably a shame, as millions upon millions is taken out of the country to Spain to Applus, the company who runs it until 2020. Having a national car test is an EU requirement, so as such will always be there. VRT is a joke, and again the government are paying Applus to collect this double tax Insurance in this country is a complete shambles |
Posted By: Shoco
Date Posted: 23 Jul 2016 at 3:30pm
No such thing as road tax deise  ------------- YOUR 3 IN A ROW LEAGUE CHAMPIONS |
Posted By: deise316
Date Posted: 23 Jul 2016 at 3:39pm
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Tis hard to keep up Shoco, giz a break ------------- Picked the wrong week to quit sniffing glue..... |
Posted By: Shoco
Date Posted: 23 Jul 2016 at 3:43pm
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As a cyclist, this comes up regularly! ------------- YOUR 3 IN A ROW LEAGUE CHAMPIONS |
Posted By: Green Devil
Date Posted: 25 Jul 2016 at 8:24pm
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Ended up shelling out €3,000 (passed my full test eventually) A 2 litre Jaguar probably didn't do me any favours but still it's madness to think insurance costs so much! ------------- "He drives two Ferraris; I think he's a very lucky lad to have 50 caps for Ireland," Eamonn Dunphy on Glenn Whelan |
Posted By: McG
Date Posted: 25 Jul 2016 at 8:47pm
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f**k sake Whats the tax like? ------------- YBIG Table Quiz winner 2016 & 2017 AS YOU WERE McGx |
Posted By: horsebox
Date Posted: 25 Jul 2016 at 9:48pm
780e  My tax and insurance is up at the same time - pain in the hoop. ------------- 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 |
Posted By: Hans Moleman
Date Posted: 25 Jul 2016 at 10:42pm
3 grand
 Did they at least lube you up before doing the business? |
Posted By: Guest
Date Posted: 07 Aug 2016 at 2:26pm
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Hoping to get insured this week on a 1.4 petrol golf or corolla Lost my no claims Who's the cheapest, any recommendations? |
Posted By: ThrowInDelap
Date Posted: 07 Aug 2016 at 8:13pm
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Got quoted 25% more than last year (without claims etc) Lad on the phone said this is the norm in the market, is this true or is he talking pony? ------------- If time's a drug, then Big Ben is a huge needle injecting it into the sky. |
Posted By: bhob
Date Posted: 08 Aug 2016 at 12:44pm
| Mine went up too and no claims. It's a joke of a system. |
Posted By: Trap junior
Date Posted: 08 Aug 2016 at 3:06pm
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Paid just over 700 for 3rd party fire and theft insurance. Was 540 last year. Was lucky to get it for 700 too. Shopped around and got quotes from 800-1000+. I have a full licence 15 years and no points, full no claims bonus for donkeys years. Then paid 600+ on tax. Have the NCT in a few weeks which will no doubt set me back a grand when they find some reason to fail it. ------------- Pied Piper to: Baldrick, Brendan 88, 9Fingers, Borussia and more... 97.6% chance this post will be replied to by Baldrick (source: PWC) |
Posted By: Bob Hoskins
Date Posted: 08 Aug 2016 at 4:23pm
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Insurance has jumped massively this year. Why is that? ------------- Romario 2016: And the ticket mafia gets caught! Well, four years ago I had already told the government. |
Posted By: SuperDave84
Date Posted: 08 Aug 2016 at 4:42pm
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It's not claims, anyway. The amount paid out in 2014 was 36% less than the amount in 2011, and I don't think it has come back up again. It's related to their loss making in trying to gain market share by undercutting one another, plus the fact the MIBI had to take on the losses of Setanta Insurance. Not sure what the deal is with Quinn/Liberty as well and whether that is having an effect too. ------------- 
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Posted By: Shedite
Date Posted: 08 Aug 2016 at 5:14pm
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2% of your premium goes to paying off the debts of Quinn insurance every year until 2037! Setanta will add more though it hasn't been added on yet. Our premiums are going up because of http://www.irishtimes.com/news/ireland/irish-news/anatomy-of-a-scam-six-men-and-an-attempted-insurance-fraud-1.2647462" rel="nofollow - lads like these
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Posted By: colmoc
Date Posted: 08 Aug 2016 at 6:00pm
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Renewed mine last week. Was 620 last year and 980 this year. I got a quote from every crowd I could think of. An post insurance beat the cheapest quote by €200. Definitely worth a call |
Posted By: eire77
Date Posted: 08 Aug 2016 at 8:20pm
That may be true but what's also true is that since Quinn has left the market the insurance cartels have consistently and without valid explanation exponentially increased insurance premiums. ------------- Just because I'm paranoid doesn't mean they aren't out to get me... |
Posted By: Hickster74
Date Posted: 08 Aug 2016 at 10:25pm
I'm starting to think the same. My renewal was up 40%. Other quotes were still 30% more and after an increase last year too. The levies for failed insurance companies are nowhere near this. It's easier to just jack up the policies than to investigate accidents and challenge costs. In fairness to Quinn, before he lost the run of himself, he spent money on staff to do this properly and reduce premiums. ------------- "Perhaps the reason that they did not consider the worst, was because discussion of such cases would have cast suspicion on the planner as being a "saboteur". Paranoia was rampant throughout." |
Posted By: Sham157
Date Posted: 09 Aug 2016 at 8:38am
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Flicking channels last night and there was a doc on UTV about Insurance. Cited a number of factors for rising premiums such as the collapse of other insurers, claims here being higher in comparison to say in England (whiplash here is 15K whereas England is 5K average). Obviously the Insurers lobby group almost blamed claims alone where as other bodies including Government Departments cited profitability. Mentions also as mentioned above, that Insurers were trying to gain larger market shares that for a few years they werent charging people enough and we're paying for that now, aided by the exit from the market of a number of companies. They spoke to a number of case examples, a 30 something male from Athlone, a taxi company from Limerick and a haulier from somewhere else, and some of the rises were crazy and to any logical person unjustifiable. IIRC, 15k for a fleet of 8 taxis up to 57k.
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Posted By: Shedite
Date Posted: 03 Nov 2016 at 10:08am
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How would people feel about giving their Facebook profiles to insurers to show you should be getting cheaper insurance (ie prove you're not a boy racer).... http://news.sky.com/story/car-insurer-admiral-to-analyse-first-time-drivers-facebook-profiles-10641508" rel="nofollow - http://news.sky.com/story/car-insurer-admiral-to-analyse-first-time-drivers-facebook-profiles-10641508 |
Posted By: drog addict
Date Posted: 03 Nov 2016 at 11:08am
Got quoted €1412 today  ------------- Chips don't bounce |
Posted By: Denis Irwin
Date Posted: 06 Dec 2016 at 10:15pm
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http://www.rte.ie/news/2016/1206/837033-crashes/" rel="nofollow - http://www.rte.ie/news/2016/1206/837033-crashes/ Two families from the Munster region. Wonder if they're from a certain ethnic minority that has form for scams like this ------------- Eamonn Dunphy:"I'll tell you who wrote it, Rod Liddle, he's the guy who ran away and left his wife for a young one". Bill O'Herlihy: Ah ye can't be saying that now Eamonn |
Posted By: Butch
Date Posted: 06 Dec 2016 at 10:23pm
| Are uk Quotes increasing could anyone inform me ? Not due renewal until Feb/March |
Posted By: drog addict
Date Posted: 07 Dec 2016 at 7:18am
Eventually went with AIG and got my insurance down to €520, some difference. ------------- Chips don't bounce |
Posted By: t_rAndy
Date Posted: 07 Dec 2016 at 1:17pm
| 50% increase. Managed to get it down to 30%. Still stick over it |
Posted By: Sham157
Date Posted: 20 Dec 2016 at 8:14pm
| Got my renewal today for January. It was €536 last year and my renewal is an eye watering €882. I had a claim against me in may 2012 for just over €28k and none of my renewals since that were ever this high. Its a fcuking scam. |
Posted By: Landon Donovan
Date Posted: 21 Dec 2016 at 12:37am
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I do not understand why people cannot get car insurance in just say Spain or Poland for example. Surely the single market means we can avail of any service or product within the EU? |
Posted By: Claret Murph
Date Posted: 21 Dec 2016 at 7:33am
Hummm got ours yesterday well they managed to knock off Euro 128 from last years  Ohhh and fair play to the wife she phoned them and asked if they could do any better and got another 21 Euro off the bill Great country I must say .
------------- Lansdowne Road debut aged 52 and 201 days . |
Posted By: horsebox
Date Posted: 21 Dec 2016 at 9:09am
I don't think you can. At least not any more. I work with a Spanish guy with a full clean driving license (15 years) and he just paid 4k to get insured on a car here. He did look at the possibility of using 'foreign' brokers but it came to nothing. ------------- 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 |
Posted By: Shedite
Date Posted: 21 Dec 2016 at 9:09am
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Posted By: Shedite
Date Posted: 21 Dec 2016 at 9:11am
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Posted By: Sham157
Date Posted: 21 Dec 2016 at 9:16am
FBD (im with no nonsense currently who are the no frills wing of FBD) wont quote me as my car does not fit their profile  There's no sense to it at all....they seem to make it up as they go along.
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Posted By: heighway2heaven
Date Posted: 21 Dec 2016 at 9:22am
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If there isn't price fixing going on between companies in this country, then I'm a 6ft leggy brunette named Loretta ------------- http://giant.gfycat.com/LimpLittleArabianoryx.gif |
Posted By: Sham157
Date Posted: 21 Dec 2016 at 9:25am
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Posted By: Shoco
Date Posted: 21 Dec 2016 at 9:58am
Not if you have had a claim against you, lad at work had his car stolen 2 years ago, naturally insurance went up so when he rang around other companies basically wouldn't insure him because of the claim, hes pretty much tied to his existing company for a number of years ------------- YOUR 3 IN A ROW LEAGUE CHAMPIONS |
Posted By: Shedite
Date Posted: 21 Dec 2016 at 11:51am
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Posted By: horsebox
Date Posted: 21 Dec 2016 at 12:02pm
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That happened me with my house insurance. Once you put in a claim, you can't move to a competitor for 5 years, in the meantime your premium goes through the roof. ------------- 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 |
Posted By: bhob
Date Posted: 21 Dec 2016 at 12:16pm
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Mate of mine works in insurance and constantly tells me about how much money the industry is losing. Say's we are all massively underpaying on all of our car insurances and he expects it to just keep going up. The fact these insurance companies are paying some of their employees ridiculous wages, contractors in for 50k a month type stuff, is probably one of the reasons insurance is so high.
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Posted By: Croftman
Date Posted: 21 Dec 2016 at 2:52pm
Not true at all HB. Depending on the size of the claim you might have trouble getting other quotes but if you have whats classed as a small one it shouldn't be any bother ------------- Some people just deserve a slap |
Posted By: horsebox
Date Posted: 21 Dec 2016 at 3:22pm
It was 2 small ones and they also told me it would not affect my policy. They lied and I got stung. ------------- 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 |
Posted By: Croftman
Date Posted: 21 Dec 2016 at 4:58pm
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All have their own criteria but normally anything under 5k as a once off is grand. 2 or more can be different alright ------------- Some people just deserve a slap |
Posted By: horsebox
Date Posted: 21 Dec 2016 at 6:36pm
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The 2 combined were less that 1k. ------------- 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 |
Posted By: deise316
Date Posted: 21 Dec 2016 at 9:42pm
I've a better one than that - some years ago, my car was stolen, luckily enough, recovered by the Gardai 3 days later with no damage, so that was that, or so I thought. Naturally enough, being car-less and the victim of a crime, I alerted my insurance company straight away and commenced an insurance case. They sent an assessor the day after to do a report, no messing about, and that was as far as the whole thing got, because it was recovered & returned to me 2 days after that. As the car had no damage (it was inspected by their assessor and I had the choice of getting my own assessment FOC if I disagreed with their fella, I didn't disagree, so that was the end of that) , I rang them and cancelled the claim. And thought that was the end of it, until some months later, my renewal was due. My insurance had gone up because I had commenced a claim (which, by my insurance policy, was the correct procedure in the eventuality of having a car stolen, keeping the company updated at all times etc) , and my no claims bonus had disappeared as well. Bear in mind, I had not claimed or received a single cent from them at any point. There was also the issue of them putting in on the Cartell website (which I have access to in work) as a stolen vehicle, which was fine, but it was still there a few weeks later, no idea what possessed me to check my own car, but for whatever reason, I did, and seeing it listed as stolen weeks after it was returned, I contacted them to remove it. They refused to acknowledge they put it there in the first place when I challenged them (they blamed the Gardai, a quick phone call to them confirmed it wasn't them; when I brought this to their attention some weeks later, they still wouldn't tell me who put it there) , eventually it disappeared after about another month of phoning every so often to ask them why they hadn't removed it. You would think this is fairly simple stuff, but until I pointed out to them that I had not claimed anything, they were quite prepared to double my premium over it. At this point, and the Cartell thing was really annoying me (If I had decided to trade the car in at the time, not a single motor dealer in the country would take it with it being red flagged as stolen) , and their appalling customer service, I had lost all confidence in them & decided to move companies no matter what the cost. Which was grand, until they illegally withheld my full no claims bonus, despite multiple requests, and they kept sending me one that had the words 'claim outstanding' at the bottom, which naturally enough, any prospective insurer would want to know about. After the threat of legal action, they eventually conceded that I had no outstanding claim, nor any intention of proceeding with one (this was some 4 months after my car was returned & I has signed off on a form saying I was satisfied with the condition of the car on inspection) , they eventually sent me the documents I required the very day before my insurance expired. And for all that, I was probably lucky, while all this was going on, I had found an alternative insurer and some fella in their office I was dealing with was sympathetic to the crap I was putting up with (he even gave me a few tips on wording ''requests'' to the old company, only for the chap, I would have likley been stuck with the existing fcukers like some of ye mentioned. Have mentioned before the 3 main things are Quinns going bust (private gambling debt, paid for by the taxpayer in the form of an insurance levy), insurance fraud, which is massive in this country, and the learned lads on the benches of the courts awarding lottery type figures, or figures appropriate to their own standard of living, for reasonably mild run of the mill injuries. Having said all that, the behaviour of the insurance companies themselves, or at least some of them (the above case, won't mention any names, but if ya can count as far as three, you might think of it) is appalling, and certainly wouldn't make you think they are anything much better than the cowboys arranging the fake car crashes for fraud purposes. ------------- Picked the wrong week to quit sniffing glue..... |
Posted By: t_rAndy
Date Posted: 21 Dec 2016 at 10:52pm
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Through someone close to me I was informed of a scam. It was something like this -> 4 people in on the scam get in unsuspecting taxi and ask to go somewhere. Eastern European also in on the scam in a jammer crashes into the back of the taxi. 4 people get taking off to hospital with 'injuries'. 4 people claim for injuries. Eastern European fella is left the country at this stage (maybe already received a few quid, can't remember this piece) Dodgy lawyer representing the car full of people. 4 people gets awarded ~15k each Fee paid to dodgy lawyer Lawyer pays Polish lad (if he didn't already do it earlier). Might be wrong on some points like the awared amounts but it was something like that. Can see why the insurance companies are getting hammered and passing it on to us!
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Posted By: heighway2heaven
Date Posted: 22 Dec 2016 at 10:53am
I'm actually angry as f**k having read that. And I'm sure there's even worse stories again that people on here will have. ------------- http://giant.gfycat.com/LimpLittleArabianoryx.gif |
Posted By: cm79
Date Posted: 22 Dec 2016 at 12:07pm
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http://www.mayonews.ie/component/content/article?id=14522:ballyhaunis-man-jailed-for-attempting-insurance-fraud" rel="nofollow - http://www.mayonews.ie/component/content/article?id=14522:ballyhaunis-man-jailed-for-attempting-insurance-fraud http://www.independent.ie/irish-news/courts/travellers-and-romas-liasing-to-set-up-staged-car-crashes-and-claims-to-defraud-insurance-companies-judge-31362336.html" rel="nofollow - http://www.independent.ie/irish-news/courts/travellers-and-romas-liasing-to-set-up-staged-car-crashes-and-claims-to-defraud-insurance-companies-judge-31362336.html I am sure these insurance scams drive up the price of insurance too
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Posted By: kevincronin2000
Date Posted: 18 Jan 2017 at 10:29pm
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question. Currently doing a course for work, now my employer said they will cover my travel expenses as its a 90km round journey daily for 25 days but they want a letter from my insurance company saying I am covered to use the car for work purposes. Think this is a bit of a red herring from my employer as i may be hit with a hike in my insurance premium if i request a letter and my employer is using this so I wont claim my expenses. Any suggestions? ------------- time is the stuff that life is made of, don't waste it. |
Posted By: bogball88
Date Posted: 18 Jan 2017 at 11:46pm
Have you got business use in your insurance policy? If you do no problem. To add it, it costs about 30 pounds up in the black north so might not be too bad. Ring them up and check how much it will be to add it if you don't have it on your policy |
Posted By: rossieman
Date Posted: 19 Jan 2017 at 12:19am
Can they not just pay you a rate for millage and subsistence ? Looks like they might be trying to avoid paying you expenses. |
Posted By: Sham157
Date Posted: 19 Jan 2017 at 12:20am
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Posted By: John W
Date Posted: 19 Jan 2017 at 12:53am
| Put in the expense of the insurance on your first claim to your employers |
Posted By: Bitored
Date Posted: 19 Jan 2017 at 5:53am
This. Don't even bother ringing the insurance company. Go back to your boss and tell him the insurance company told you driving to a course as part of work does not constitute work use of a vehicle and therefore your policy covers you. Absolutely chancing his arm. ------------- I won the Player of the Century award thanks to the people.Pele was second.He also came second behind Aryton Senna as Brazil's greatest sportsman.The award FIFA gave Pele isn't worth sh*t - Maradona |
Posted By: Croftman
Date Posted: 19 Jan 2017 at 9:28am
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If you want ring your insurance company they'll put Class 2C on you policy which is use for Social, Domestic, Pleasure (all the norm) & Business use. It's usually a 25% extra charge. Your normal policy wont cover you for work use bar to & from but a course is basically to & from so should be ok. The Class 2C cover is only usually requested when you're driving during the day for work, going to meetings etc
------------- Some people just deserve a slap |
Posted By: bogball88
Date Posted: 19 Jan 2017 at 9:31am
I know up here working for a council and using my car for work purposes daily, I am classed as an essential car user and I am required to have for business use on my policy in order to claim mileage. Non essential users who want to claim mileage for purposes such as training courses still have to have the for business use on their policy as well |
Posted By: bhob
Date Posted: 19 Jan 2017 at 10:32am
| Upgraded my Focus 00 to an 05 there 2 weeks ago and asked the insurance company to change over the policy. Considering the new car is 5 years younger I thought my policy would reflect this, no change whatsoever. Shower of robbing bastards |
Posted By: Shedite
Date Posted: 19 Jan 2017 at 10:47am
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Posted By: Stoked Up
Date Posted: 19 Jan 2017 at 10:56am
Going from an old banger to a slightly less old banger is not going to make your premium reduce. If you'd bought a new car your premium would come down, because statistically, brand new cars have less collisions.
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Posted By: Butch
Date Posted: 19 Jan 2017 at 11:22am
| Anyone else's premiums dropping for policies? Not just car insurance but insurance across the board has come down for me . |
Posted By: Irish2011
Date Posted: 19 Jan 2017 at 11:38am
| Who is the best value for Car insurance lads? My crowd are quoting me a fair increase from last year. |
Posted By: bhob
Date Posted: 19 Jan 2017 at 11:59am
I thought it was more expensive to insure a car over 15 years? Also it's not a banger  only 65,000 miles on the clock.... the old one was a heap
So you're saying if I went out and bought a brand new car for €20,000 my premium should go up because that car is worth more? |
Posted By: Butch
Date Posted: 19 Jan 2017 at 12:13pm
We had 6 different policies with FBD and then FBD went bananas with quotes and now shifted everything to Axa and all cheaper quotes than orginal FBD before they went higher again . FBD have since come back and want to rearrange our policies. So I'd say try Axa |
Posted By: rossieman
Date Posted: 19 Jan 2017 at 12:16pm
a new car should be cheaper to insure.The car you bought is 12 years old so not going to any real difference from insurers point of view. 65k on 12 year car ,previous owner must barely have moved it.
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Posted By: Croftman
Date Posted: 19 Jan 2017 at 12:30pm
You've done well! ------------- Some people just deserve a slap |
Posted By: Shedite
Date Posted: 19 Jan 2017 at 12:39pm
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Posted By: Stoked Up
Date Posted: 19 Jan 2017 at 1:41pm
They only just introduced the levy on cars over 15 years old last year and not every insurance company either. It doesn't matter that your car has small miles on it, it's still 12 years old and in the eyes of insurance companies, a banger. Don't get me wrong, I also think insurance companies are a shower of robbing bastards. But aligned with them, we have a judiciary and solicitor system which also gouges us at every turn. I'm awaiting the receipt of my own renewal soon. I've potentially lost my 50% bonus due to an accident with travellers. Cue more whinging soon...
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Posted By: Irish2011
Date Posted: 19 Jan 2017 at 3:10pm
Cheers dude.
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Posted By: bogball88
Date Posted: 21 Jan 2017 at 10:41am
| Anyone know if there is a limit on how many windscreen repairs you are allowed each year? Need my second within a month |