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Car insurance!


spidermom

Well-known member
Joined
Sep 13, 2008
Messages
9,189
No lady driver jokes now boys...
I got my renewal notice today...618 euro...s0d that says me and I look around on the net...got the same cover for 328 euro....what a rip off!

Needless to say I just bought at the lower quote,didn't even try my old crowd...they can swing!

Any other tales?
 


mmrebel

Well-known member
Joined
Jan 24, 2009
Messages
758
Have a look at the government levy spider mom gone up at 3% now !! got an apology from my insurance co saying nothing they can do tis the government !!
 

spidermom

Well-known member
Joined
Sep 13, 2008
Messages
9,189
Have a look at the government levy spider mom gone up at 3% now !! got an apology from my insurance co saying nothing they can do tis the government !!

Yep...but(now I'd have to go and look) but last years was about 400!
I'll just keep swapping every year...if it means I get a better price!
I'm all done with customer loyalty!
 

mmrebel

Well-known member
Joined
Jan 24, 2009
Messages
758
Yep...but(now I'd have to go and look) but last years was about 400!
I'll just keep swapping every year...if it means I get a better price!
I'm all done with customer loyalty!
Well what you do there is just ring your insurance company back tell them you got a better one if ye dont match im off and i will tell everyone not to go with ye !! works for me every time .
 

Wakeupcall

Well-known member
Joined
Jan 7, 2009
Messages
1,017
No lady driver jokes now boys...
I got my renewal notice today...618 euro...s0d that says me and I look around on the net...got the same cover for 328 euro....what a rip off!

Needless to say I just bought at the lower quote,didn't even try my old crowd...they can swing!

Any other tales?
Where did you get the better quote? :)

id like to save some money also...
 

Fingal MCC

Member
Joined
Nov 24, 2008
Messages
38
Website
www.alanfarrell.ie
Well what you do there is just ring your insurance company back tell them you got a better one if ye dont match im off and i will tell everyone not to go with ye !! works for me every time .
Every time...

I used to go with Quinn for a couple of years, then abruptly I would get an off the wall renewal and I'd end up going elsewhere.

It happened with Royal & Sun recently and I got two letters from both companies (I having emailed both with a quote from an another company) and they offered to match the new quote. Funnily, I went with FBD as I think it incumbent upon insurers to know their market and I shouldn't have to inform them.
 

Captain Con O'Sullivan

Well-known member
Joined
Mar 13, 2009
Messages
985
Going back 25 years ago I had my first car, an old escort which was worth about £1000 and insured it third party fire and theft for £500.

A year later I got a letter in the post (and bear in mind I had no claims, crashes or anything that would affect a quote) and the insurance company wanted £1100 for the next year. I couldn't afford it so sold the car. I did ring them and point out that the amount they wanted was absurd as I'd had no claims and having got through my first year without incident shouldn't that count for something? What proportion of the quote was related to a no-claims bonus?

The arrogant answer I got made me furious- 'an appropriate no-claims discount has been taken into account'. It was when I realised that insurance companies don't do calculations based on risk but on what they think the market will bear.

One of the many small personal incidents among many that made me realise I'd have to leave Ireland to get ahead at all. I was one of the few that had got a steady job from my school year. Sounds overly dramatic perhaps but it all adds up to a decision.
 

spidermom

Well-known member
Joined
Sep 13, 2008
Messages
9,189
Be a little aware of the cheaper ones. Many are regulated in the UK instead of Ireland. You are essentially buying British car insurance. I don't know if that makes any real difference.
Regulated by the irsih financial regulator....so theres a relief eh?

Is your new policy with Quinn? How confident are you of them surviving the year?

Nope not quinn...went through one of the website insurers that have a lot of numbers in their title!
 

seabhcan

Well-known member
Joined
Sep 3, 2007
Messages
14,327
Regulated by the irsih financial regulator....so theres a relief eh?
What I mean is that if there is some dispute, there might be some confusion about where the case would be heard. As far as I know, it is only recently that UK regulated insurers can insure Irish resident customers - and the law may be untested.
 

jpc

Well-known member
Joined
Jun 14, 2007
Messages
4,336
Going back 25 years ago I had my first car, an old escort which was worth about £1000 and insured it third party fire and theft for £500.

A year later I got a letter in the post (and bear in mind I had no claims, crashes or anything that would affect a quote) and the insurance company wanted £1100 for the next year. I couldn't afford it so sold the car. I did ring them and point out that the amount they wanted was absurd as I'd had no claims and having got through my first year without incident shouldn't that count for something? What proportion of the quote was related to a no-claims bonus?

The arrogant answer I got made me furious- 'an appropriate no-claims discount has been taken into account'. It was when I realised that insurance companies don't do calculations based on risk but on what they think the market will bear.

One of the many small personal incidents among many that made me realise I'd have to leave Ireland to get ahead at all. I was one of the few that had got a steady job from my school year. Sounds overly dramatic perhaps but it all adds up to a decision.
That isn't far off for the era.
1986 £780 for a VW Derby.
The reason for all the rises now is that their investments have tanked.
 

che schifo

Well-known member
Joined
Apr 29, 2014
Messages
5,764
I'm not looking forward to my renewal, which is due at xmas. Fifteen year old (but well maintained car); it isn't going to be good..

Protest over costs of motor insurance - RTÉ News

Thousands of young drivers are expected at a rally at Merrion Square in Dublin to protest at the cost of motor insurance.

The protest is being organised over concerns at the rising costs of motor insurance for younger drivers.

The rally gets under way at 2pm.

Traffic disruption is expected in the Merrion Square area due to the demonstration.

Fianna Fáil's John Lahart has said the Government must take urgent action to tackle "exorbitant motor insurance costs."
 

che schifo

Well-known member
Joined
Apr 29, 2014
Messages
5,764
Discussing it on RTE radio now..
 

off with their heads

Well-known member
Joined
Feb 7, 2011
Messages
7,052
monty python had it right...."it clearly states in your policy ..no claim you make will be paid"
 

making waves

Well-known member
Joined
Mar 2, 2010
Messages
19,265
My quote arrived...up 75% on my current premium. No change in cover, car or claims history.


W@nkers.

Yet, apparently inflation is non existent.
Problem would be dealt with by having a state owned insurance company that would not have any hedging, not have any gambling of financial reserves and not have any increases above the rate of inflation.
 

venusian

Well-known member
Joined
May 26, 2011
Messages
6,920
The ball is in the governments court, FF's puppets Fine Gael better bring in regulation of the industry now or be made suffer the consequences for their whole sale support of rapacious insurance companies (who are posting huge profits whilst paying out less in claims!) assault on peoples pockets. Of course with odious individuals like Noonan and Coveney failing to take any real action against lining the profits of rip off companies serious protests will ensue.

In an answer to a parliamentary question submitted by McGrath, Minister for Finance Michael Noonan outlined the fact that claims have in fact been decreasing across Ireland since 2011.In his written response, Noonan said the figures relating to 2015 are still being compiled.However, the available figures showed insurance companies paid out €1.01 billion in 2014. This is less than the €1.5 billion paid out in 2011 and €1.06 billion paid in 2012. Just over €987 million was paid out in 2013.McGrath said the figures show the amount paid out in claims in 2014 was 36% less than the amount paid out in 2011.
 

Sister Mercedes

Well-known member
Joined
Dec 19, 2011
Messages
20,634
Problem would be dealt with by having a state owned insurance company that would not have any hedging, not have any gambling of financial reserves and not have any increases above the rate of inflation.
Oh ya, a state-owned insurance company in a state where the legal profession gets to edit legislation before the cabinet even sees it. That would work.
 

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