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Stopped by the Gardai, have to produce insurance cert

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Comments

  • #52
    Jesus.
    Banned (with Prison Access) Posts: 4,794 ✭✭✭Jesus.


    Henry Ford III wrote: »
    It's far from perfect but it's not unfair.

    Its extraordinarily unfair to those who've been driving responsibly for years, never claimed and have no points and whose perfectly fine NCT'd older car is loaded to ridiculous amounts, in the thousands. Whose mostly responsible for that ludicrous situation arising I don't know but it is certainly not fair.


  • #53
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,760 Mod ✭✭✭✭Henry Ford III


    Jesus. wrote:
    Its extraordinarily unfair to those who've been driving responsibly for years, never claimed and have no points and whose perfectly fine NCT'd older car is loaded to ridiculous amounts, in the thousands. Whose mostly responsible for that ludicrous situation arising I don't know but it is certainly not fair.


    I've no idea why 15+ year old cars are more expensive to insure. If we knew this maybe things would be clearer?


  • #54
    grogi
    Registered Users, Registered Users 2 Posts: 8,615 ✭✭✭grogi


    Henry Ford III wrote: »
    I've no idea why 15+ year old cars are more expensive to insure. If we knew this maybe things would be clearer?

    It is cheap to buy one, insure and week later hit a pedestrian at 3kmh, who developes a severe neck, pain and worst of all ankle pain.


  • #55
    Discodog
    Registered Users, Registered Users 2 Posts: 15,922 ✭✭✭✭Discodog


    grogi wrote: »
    It is cheap to buy one, insure and week later hit a pedestrian at 3kmh, who developes a severe neck, pain and worst of all ankle pain.

    I am being charged twice the amount for a 95 Starlet than I was for a 2002 Jeep. Insurance companies only seem to look past 7 years so my 30 year unblemished history is worthless.


  • #56
    joeysoap
    Registered Users Posts: 6,254 ✭✭✭joeysoap


    grogi wrote: »
    It is cheap to buy one, insure and week later hit a pedestrian at 3kmh, who developes a severe neck, pain and worst of all ankle pain.

    But if you have insured the SAME vehicle with an insurance company say 10 years (or more) this doesn't apply. Mrs soap bought a 2 year old car 12 years ago, perfectly fit for amount of driving she does. in and out of work, bit of shopping, perfect little run around No claims, < 8000 kms per. Sails through the NCT. Why should she be loaded next year?


  • #57
    Arcade_Tryer
    Registered Users Posts: 2,021 ✭✭✭Arcade_Tryer


    joeysoap wrote: »
    But if you have insured the SAME vehicle with an insurance company say 10 years (or more) this doesn't apply. Mrs soap bought a 2 year old car 12 years ago, perfectly fit for amount of driving she does. in and out of work, bit of shopping, perfect little run around No claims, < 8000 kms per. Sails through the NCT. Why should she be loaded next year?
    Because sh*t rolls downhill.


  • #58
    joeysoap
    Registered Users Posts: 6,254 ✭✭✭joeysoap


    Arcade_Tryer wrote: »
    Because sh*t rolls downhill.

    I am inclined to agree with this. Someone who can afford a 162 Beamer or Merc are probably who the insurance companies prefer to have on their books. This is a PC way to clear the decks of those they don't want.


  • #59
    Arcade_Tryer
    Registered Users Posts: 2,021 ✭✭✭Arcade_Tryer


    joeysoap wrote: »
    I am inclined to agree with this. Someone who can afford a 162 Beamer or Merc are probably who the insurance companies prefer to have on their books. This is a PC way to clear the decks of those they don't want.
    Yeah.

    Essentially the insurance companies are like the bookies. They never lose. Unless they're corrupt. They're usually the smartest people in the room and they usually have the power to play by their own rules within the seemingly lax limits of the regulator. As famously said by a black Baltimore gangster, "the game is rigged."


  • #60
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,760 Mod ✭✭✭✭Henry Ford III


    Arcade_Tryer wrote: »
    Yeah.

    Essentially the insurance companies are like the bookies. They never lose. Unless they're corrupt. They're usually the smartest people in the room and they usually have the power to play by their own rules within the seemingly lax limits of the regulator. As famously said by a black Baltimore gangster, "the game is rigged."

    How does the collapse of PMPA, Independent Insurance, and Setanta tally with that?


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  • #61
    Arcade_Tryer
    Registered Users Posts: 2,021 ✭✭✭Arcade_Tryer


    Henry Ford III wrote: »
    How does the collapse of PMPA, Independent Insurance, and Setanta tally with that?
    Corruption and bad business decisions. It happens in all industries.


  • #62
    Giacomo McGubbin
    Banned (with Prison Access) Posts: 677 ✭✭✭Giacomo McGubbin


    Arcade_Tryer wrote: »
    Yeah.

    Essentially the insurance companies are like the bookies. They never lose. Unless they're corrupt.

    ? In Ireland the more corrupt businesses always win the most, and their Irish politician pals will always ensure they make the ordinary public pay their debts for them and pick up the tab.


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