Refused Insurance

Blitzkrieger

Stephen wrote:

That's odd sonners.......Hibernian wouldn't quote me

Because you don't have boobs? I'd say the 'rules' for women are way different to men.

When I got my first insurance it was on a 1.1 Fiesta with Hibernian. I think I was only allowed insurance on something more powerful because I swaped the insurance from one car to the other. When it came time to renew, no other company would insure me and the operator at Hibernian also said I wouldn't have gotten a quote as a new customer.

These days I'm with Tesco who are brokers for Hibernian. Somehow by bringing in a middle-man I save 350EUR. My other car is insured through a different broker with Hibernian and that saves me money too.

I'm positive they don't pluck numbers out of the air.......

Atomic Pineapple

yeh is the mr2 a convertible? quinn wont quote on the t-bar

quinn quote me on various cars up to the 200bhp mark, honda integra type r ukdm, toyota altezza, nissan200sx, toyota celica ssIII they have some cars that they have black listed though and just wont insure.

i'm 24 2 years ncb 3 years full licence

Andy_R

I'm 31 with 8 years NCB and Hibernian won't quote me on my Civic 1.8, the girl said they don't take new business on Honda VTEC cars...

Our man in Havana

I can beat that! 32 5 years NCB 10 years Full licence and they wouldn't quote on a 1.4 escort estate without their dreaded ignition course.

Guy:Incognito

sonners wrote:

I'm a 23 yr old female driving a 225bhp TT, my insurance is up shortly so I've been ringing around. QuinnDirect wont quote anybody under 30 on anything over 110bhp, absolutely ridiculous I know!.

I was with quinn last year on my Safrane (170bhp) when I was 24 with 3 years ncb for €800. Went with Tesco this year.

Rudolph Claus

Sonners must have got her wires crossed, saying Quinn wont insure under 30yr olds on cars over 110bhp is bull****. Sure practically every reply here is from someone under 30 with cars over 110bhp. They`re 110bhp limit is for provisional licence holders and then they have another age limit of 21 and 24 for high powered cars, if i remember correctly.

Im 23, and have a 160bhp Honda Crx delsol Sir insured with them no bother, so that squashes the claims being made that Quinn dont insure convertibles.

Triangle

sonners wrote:

I'm a 23 yr old female driving a 225bhp TT, my insurance is up shortly so I've been ringing around. QuinnDirect wont quote anybody under 30 on anything over 110bhp, absolutely ridiculous I know!

Hibernian, AIB and Tesco all quoted me with Hibernian being the best, maybe give some of these a call. Any of the rest I rang gave me the usual 'your under 25 and its a high-performance vehicle' bullsh*t.

Whats so unbelievable about this?

The whole celtic tiger has made more cash availabe to younger people than ever before. This means younger people have access to more expensive (and powerfull) cars.

Would you rate the risk of a person who has just learnt to ride a bike the same as a BMX professional?
Nobody wants to insure young drivers in high performance cars (i.e. any car other than a 2cv oldmobile)

on a positive note - i recently got a quote for a RX-8 that's cheaper then a Honda Civic LSi (R&SA) - Shop Around - it's worth it - and don't think one broker will give you a good quote - check a few.

daedalus2097

Nuttzy wrote:

Sonners must have got her wires crossed, saying Quinn wont insure under 30yr olds on cars over 110bhp is bull****. Sure practically every reply here is from someone under 30 with cars over 110bhp. They`re 110bhp limit is for provisional licence holders and then they have another age limit of 21 and 24 for high powered cars, if i remember correctly.

Im 23, and have a 160bhp Honda Crx delsol Sir insured with them no bother, so that squashes the claims being made that Quinn dont insure convertibles.

A lot is probably to do with the particular car and if you have letters on your badge you're in for a rough time... Once they hear "GTI", "Type-R", "CC" etc. maybe that sets off alarms. As an aside, only yesterday I rang Quinn and had my girlfriend added to my policy on the 150BHP GTI. She's 25 with a provisional licence but no no claims bonus or anything. Didn't affect my premium whatsoever! So maybe the 110BHP limit for provisionals only applies to males, or only applies on days beginning with T on a full moon or something

Keith C

sonners wrote:

Ah, when I started driving, Hibernian were the only ones who would even look at me. I had to do the Ignition Course and give them an arm and a leg of course, but everyone else just laughed down the phone when I rang looking for a quote.
I was 19, one years named driver experiance, full licence for a whole month and I had a 2.0ltr Celica - I'd laugh too

19yr old, f*ck all driving experiance & on a 2l celica, how much did you expect to pay €800?? :rolleyes:
When I started driving it was £3,000 on a 1.1 Peugeot & you paid it no questions asked cause you were lucky to get a quote at all, you kids nowadays & your need to whinge over not geting a cheap quote, sure your parents probably paid for your car & insurance anyway

dade

Keith C wrote:

When I started driving it was £3,000 on a 1.1 Peugeot & you paid it no questions ..........

my first I was 29, 1.25 fiesta and it cost me 2700 on my third provisional. 33 past my test with a few months and the following year dropped to 1200, then year 3 to 900 but I switched to AIG and got it for 760. Bought a Trueno and AIG refused to quote me, and they refused to cover me for the remainder of my policy (a whole 14 days). I ran amok on then and reminded them that if i was covered already they had to cover me on a new car and had to quote me for the renewal. Last year my insurance was 560 and my wife (on a provisional) is also insured as a named driver on it.

Noelie

My Brothers g/f is looking to buy a 2007 TT at the start of next year, apparently she has a demo model booked for herself. He's saying that her insurance with him named on it will be less than 500, can't remember the exact number but it was around the high 400's. But what I can't believe is that she is only 23.

sonners

OMG I'm sooo sorry, I forgot the unwritten rule on boards that girls cant comment on anything about cars or insurance coz we OBVIOUSLY KNOW NOTHING ABOUT IT.

I know it was ridiculous to insure me on the Celica at 19, hence why I said 'I'd laugh too'. Try reading to the end of a post.

To the OP: I hope you get your insurance sorted, I see alot of replies here but most of them just seem to be trying to outdo the previous poster with their 'I have a better story than you', and my favourite 'Back in my day' attitudes.

And for the record, the Celica and TT are both MINE, I paid for them, Insure them, Tax them and run them. There's no bank or parent that can lay claim to those cars. Its called hard work, you guys should try it sometime. :rolleyes:

kolo2007

in all fairness sonners the only reason you got insurance on the celica or the tt at 19 is without been sexiest is because you are female, simple as

Darragh29

Tauren wrote:

If you are already insured with them on another car, and you bought the MR2, they HAVE to provide you with a quote.

No they don't. They don't have to give you a quote ever if they don't want to...

sonners

kolo2007 wrote:

in all fairness sonners the only reason you got insurance on the celica or the tt at 19 is without been sexiest is because you are female, simple as

and your point is???

kolo2007

cause you said it was ridicolous to insure you on these cars at 19 and the fact is if you were male it wouldnt even considered by the majority of insurance companies to offer you insurance on the these cars, tats my point,

sonners

kolo2007 wrote:

cause you said it was ridicolous to insure you on these cars at 19 and the fact is if you were male it wouldnt even considered by the majority of insurance companies to offer you insurance on the these cars, tats my point,

and with me being female it STILL was'nt considered by the majority of insurance companies to offer me insurance on these cars. Hibernian were the only company to ever quote me on the Celica, I rang every insurance company and broker in the country for the three years I had her and no-one else would go near me. Not Quinn Direct, not Xcess, no-one. And even Hibernain would'nt have done it if I did'nt have my Full licence and passed their Ignition course.

What you guys quite easily forget is that all insurance companies have their market, some wont touch high-powered cars, some wont touch young drivers, young males, etc. Yeah, I managed to get insured, but it was'nt easy and it certainly was'nt cheap.

freq modulated

I have a nice quote sitting on the Quinn database for a 2.0 mr2 that i will use in a few days....no problems at all getting it either. Suprisingly enough its reasonable enough aswell. I have a named driving NCB of 2 years and a full licence a year and Im only 21.

Problem with the new mr2 is its convertible. For some reason insurance companies are scared of them.

kolo2007

just a question for you sonners but why is it that young drivers male or female cant fathom the reason why insurance companies will not quote them on these types of car, i mean for god sakes you are only 19 years of age, in my opinion a very inexperience driverd and yet your driving a 2 litre turbo car, why

sonners

kolo2007 wrote:

just a question for you sonners but why is it that young drivers male or female cant fathom the reason why insurance companies will not quote them on these types of car, i mean for god sakes you are only 19 years of age, in my opinion a very inexperience driverd and yet your driving a 2 litre turbo car, why

I dont know where this is coming out of, I have no idea where I asked why the insurance companies are unwilling to quote. I think its fairly obvious dont you? If anything I've said how crazy they were to actually insure me! I had no intentions of buying a Celica when I did, I saw it, fell in love and thought 'If they'll insure me I'm getting it'. I was under no illusions, I knew it was going to be (understandably) hard to get insured. And the first year I had her I paid more for my tax and insurance than I did for my car. I know many fella's who have done this but its not just guys you know.

The Celica was a flat 2.0ltr by the way, if it had been turbo or imported I would not have been insured and if I only had a provisional or if I had'nt passed the ignition course I would not have got insured. People here seem to have the opinion that girls can drive whatever they want, thats not true. Yes I know its EASIER for girls but its not a walk in the park either.

sonners

@Kolo, I do agree with you to an extent, but what really gets to me is hearing young drivers give out about insurance premiums when they've made no attempt to make it easier on themselves. I insured myself on my mothers car for a year so I could do my test before I bought my first car (could'nt do it on my little scooter!). I then did the Hibernian test also. Without doing these I would have paid a hefty sum to insure anything. Then I hear drivers complaining only to realise their on the road 5 years and have still made no effort to even APPLY for their test. :mad:

smash

Jank I know a 21yr old guy with fully comp on a 3.2 1998 M3 convertible with quinn. I also had insurance with them on a 190bhp celica and now on a 3ltr GTO.... they can't refuse you.

Stephen

I did not even consider buying my own car before having a full licence. Like you I got myself named on my mother's car and used that to pass the test. Then I went and bought my super high risk fiesta 1.2

rowanh

sonners wrote:

I'm a 23 yr old female driving a 225bhp TT, my insurance is up shortly so I've been ringing around. QuinnDirect wont quote anybody under 30 on anything over 110bhp, absolutely ridiculous I know!

Im 26 and insured on a 240 bhp car with quinn direct and its under 1k a year.

fl4pj4ck

I remember the guy few months ago tried to get insurance for his bike and got refused because he was under20 or sth. He went to court (dont remember which company he sued) and the company had to provide the insurance for him for FREE

do some digging and try to find this. they CANNOT refuse to give you quote. its their business and they cannot just pick some of the customers, they have to serve all of them.

btw: you can drive any car once you get your full license and have your first car insured (that is with quinn)

btw2: i am driving for 3 months, have L for 6 and got quote for my octavia 1.6p at e1700 (my gf as 1st driver, same time done test)

Stephen

steve06 wrote:

Jank I know a 21yr old guy with fully comp on a 3.2 1998 M3 convertible with quinn.

Now THAT I find hard to believe! Was the guy completely honest with them about the spec of the car?

sonners

@rowanh: thats mad, the girl on the phone to me said a definite NO because I was under 30. Did you have an existing policy with them? I know this is how alot of people work it.

daedalus2097

fl4pj4ck wrote:

I remember the guy few months ago tried to get insurance for his bike and got refused because he was under20 or sth. He went to court (dont remember which company he sued) and the company had to provide the insurance for him for FREE

do some digging and try to find this. they CANNOT refuse to give you quote. its their business and they cannot just pick some of the customers, they have to serve all of them.

Hmmm... So you're saying that any company has to provide for their customer, regardless of whether they want to or not? What about a guy who's too plastered to walk, but he's sitting at the bar demanding another pint? If the manager decides not to serve him, can he sue the pub (assuming he remembers the next day )?

Some customers they won't want, I've worked in technical retail and there are some customers we didn't want so we fobbed them off. If they really had to give a quote (which they may if you can prove you've been refused a quote a number of times) then they can just really pick a silly number to put you off. "Civic type-R, Sir? First provisional? 19 years of age? No problem, that will be €12,000 for third party, fire and theft."

btw: you can drive any car once you get your full license and have your first car insured (that is with quinn)

Says that in your policy, yeah?

Stark

daedalus2097 wrote:

Says that in your policy, yeah?

In my policy, it says you can drive any car once it's registered to another person. The bit about being registered to someone other than you is the bit most people seem to miss. They think they can buy a 1.0 Micra and a Ferrari and be insured on the Micra sitting in the garage while they drive around 24/7 in the Ferrari. I think there's also a reasonable usage clause which says that you have to be driving the insured car most of the time. ie: even if Daddy owns the fancy car, you're only covered for occasional use of it.

OKenora

Speaking of Quinn direct only, I think their quoting policy is at best random having had insurance refused on some cars with them based on the cars power/age/drivers yet 5 minutes later getting a quote from them on the exact same car. And no, I didn't have to tell any porkies or be lenient with the truth.

Example, we were refused a quote on my Alfa as one of the named drivers had points yet 5 minutes later when I called back they quoted for the car with the female driver who had the points now as THE MAIN DRIVER.

We didn't need the insurance for a few weeks but when we went back to them to see if the quote was still valid they again refused to take up the insurance, but this time due to the modifications to the car, with no mention of the drivers, but when we mentioned we had 4 other cars we required insurance for they managed to quote again for the Alfa but now refused to quote on one of the other cars based on it's age

We went to Admiral in the end on a multi car policy, 1 policy, 4 cars, 2 drivers and ended up paying less for all 4 cars than Quinn had quoted for the Alfa alone.