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A guide to motor insurance & FAQ's
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Saw AA mentioned around a bit there so just ran a quote out of interest.
Paying €976 with Allianz as a provisional driver, Opel Astra 00 1.4L, four years no claims or something like that. 27 yr old male
AA quoted €1276.
Be interesting when it comes around to renewal time. I normally just go to Chill and have them run the numbers and get the best quote. Be pretty raging if I have to break the €1000 mark.
My first policy I paid around the €720 mark
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cplwhisper wrote: »Clarify how much penalty point discount is included in the rate.. Incase u collect another point(s) you'll have to fork out that money back to them. Also protect bonus with them is 1. Used for all claims thus if Fire&theft case, thus no protection in the case of crash later in year. Auto claim loading at renewal wither protect bonus in place....seen 16% being applied at buddy's renewal when €715 theft claim paid out..
Too good a deal, normally has small print that becomes LARGE print if something goes wrong... Do research . All the best otherwise
Appreciate the response. Not too sure what you mean on some of the points though. I'll be sure to check it all out with them before committing though!
Penalty point discount? Would this not apply to all insurance companies? I never heard of this before. They are giving me a discount for not having lots of penalty points which they will take away if I get points?
Protect bonus with them is 1. Not sure what that means... Do you mean you only get 1 claim before affecting NCB? I thought that was the same everywhere?
Auto claim loading at renewal. Again - surely this is everywhere... If I don't like the quote the give me at renewal, I'll just start the process again.
In general, I'm interested with how these charges would differ with another insurance company. Thanks!
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Appreciate the response. Not too sure what you mean on some of the points though. I'll be sure to check it all out with them before committing though!
Penalty point discount? Would this not apply to all insurance companies? I never heard of this before. They are giving me a discount for not having lots of penalty points which they will take away if I get points?
Protect bonus with them is 1. Not sure what that means... Do you mean you only get 1 claim before affecting NCB? I thought that was the same everywhere?
Auto claim loading at renewal. Again - surely this is everywhere... If I don't like the quote the give me at renewal, I'll just start the process again.
In general, I'm interested with how these charges would differ with another insurance company. Thanks!
Getting insurance quotes here is a lucky ,mostly unlucky dip0 -
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Business Cat wrote: »Why then not buy a car?
Insurers are wise to the fact that pretty much the only reason people want to insure a commercial vehicle as a private motor is to try and get cheaper tax.
I'm talking about, for example, a 500 horsepower 40-foot artic with a reefer trailer converted into half-motorhome and half-mobile garage that until recently cost about €5,500 to tax. I'm not interested in tax, I'm talking about insurance. Ultan Shirt telling me to get a 1.6l Jetta instead is not particularly useful, in case it isn't clear.
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I'm talking about, for example, a 500 horsepower 40-foot artic with a reefer trailer converted into half-motorhome and half-mobile garage that until recently cost about €5,500 to tax. I'm not interested in tax, I'm talking about insurance. Ultan Shirt telling me to get a 1.6l Jetta instead is not particularly useful, in case it isn't clear.
Is it a reasonable expectation that someone would be using a HGV for personal/leisure purposes though?
Dropping the kids to school, going to mass, doing the shopping, all in a 10 tonne rigid?
Its not, and insurance would work on reasonable assumptions.0 -
Business Cat wrote: »Is it a reasonable expectation that someone would be using a HGV for personal/leisure purposes though?
Dropping the kids to school, going to mass, doing the shopping, all in a 10 tonne rigid?
Its not, and insurance would work on reasonable assumptions.
Is it reasonable? I think it's perfectly reasonable. I'm not talking about dropping the kids to school in a HGV, although I often was, as a Gosling! I also think it's perfectly reasonable that insurance should drop the assumptions and understand what people are actually doing. That's another thing that gets on my nerves about this little cock-a-mamie backwater - the assumption, on the part of everyone from insurance companies to the government, that everyone is up to some sort of scam. 0 -
Is it reasonable? I think it's perfectly reasonable. I'm not talking about dropping the kids to school in a HGV, although I often was, as a Gosling! I also think it's perfectly reasonable that insurance should drop the assumptions and understand what people are actually doing. That's another thing that gets on my nerves about this little cock-a-mamie backwater - the assumption, on the part of everyone from insurance companies to the government, that everyone is up to some sort of scam.
Unfortunately, experience dictates that if something looks like a duck, walks like a duck and quacks like a duck, its probably a duck.0 -
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