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Refused to give me a quote

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  • 19-07-2016 3:52pm
    #1
    Timmyr
    Registered Users Posts: 369 ✭✭


    I currently hold a policy with Liberty, and have done for a few years. I called yesterday for a quote to transfer my policy to a Bmw X5 and the agent refused to quote me, claiming it was a high performance vehicle. This is a diesel jeep?!

    Can you shed some light on this? As I have already purchased this vehicle and I will have to change insurers.
    I am 25 (26 in 3 weeks) with almost 7 years no claims.


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    #2
    Liberty Insurance: Sean
    Company Representative Posts: 235 Verified rep ✭Liberty Insurance: Sean


    Timmyr wrote: »
    I currently hold a policy with Liberty, and have done for a few years. I called yesterday for a quote to transfer my policy to a Bmw X5 and the agent refused to quote me, claiming it was a high performance vehicle. This is a diesel jeep?!

    Can you shed some light on this? As I have already purchased this vehicle and I will have to change insurers.
    I am 25 (26 in 3 weeks) with almost 7 years no claims
    Hi Timmyr
    We do have different Underwriting acceptance criteria for each vehicle. If you PM me with your policy details we will have a look into this for you.
    Regards 
    Seán


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    #3
    Timmyr
    Registered Users Posts: 369 ✭✭Timmyr


    The agent stated that I needed to be 30 years of age to insure such a vehicle, but under current equality law, when you buy goods or services including financial services you cannot be discriminated against purely because of your:
    Age
    Gender
    Race
    Marital status
    Family status
    Sexuality
    Disability
    Religion
    Lifestyle

    Edit: just seen your response, I will message you now


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    #4
    ScouseMouse
    Closed Accounts Posts: 5,070 ✭✭✭ScouseMouse


    Tread carefully OP.  While you may be able to force a quote on age legislation, they can just quote 10 grand Third Party.....


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    #5
    VincePP
    Closed Accounts Posts: 982 ✭✭✭VincePP


    Timmyr wrote: »
    The agent stated that I needed to be 30 years of age to insure such a vehicle, but under current equality law, when you buy goods or services including financial services you cannot be discriminated against purely because of your:
    Age
    Gender
    Race
    Marital status
    Family status
    Sexuality
    Disability
    Religion
    Lifestyle

    Edit: just seen your response, I will message you now

    You seem to be someone that flies off the handle quickly - like many young men. Transfer that to a high powered car (yes, even a diesel can be high power these days) and you have a claim ready to happen.

    I also suggest that before flying off the handle saying that age discrimination is not permitted, that you research just a wee bit.

    Insurance companies are still allowed to discriminate on the basis of age, provided that they can show actuarial evidence demonstrating that they were acting on a commercial basis.

    So, maybes be nice and beg instead of bullsh1tting


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    #6
    Eire Go Brach
    Registered Users Posts: 1,373 ✭✭✭Eire Go Brach


    VincePP wrote: »
    You seem to be someone that flies off the handle quickly - like many young men. Transfer that to a high powered car (yes, even a diesel can be high power these days) and you have a claim ready to happen.

    I also suggest that before flying off the handle saying that age discrimination is not permitted, that you research just a wee bit.

    Insurance companies are still allowed to discriminate on the basis of age, provided that they can show actuarial evidence demonstrating that they were acting on a commercial basis.

    So, maybes be nice and beg instead of bullsh1tting

    Ridiculous statement. You being judgemental. He has every right to be annoyed. He has been a customer for years.
    Insurance companies are taking us for a ride.


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    #7
    Mango Joe
    Registered Users Posts: 1,178 ✭✭✭Mango Joe


    The Insurance companies very badly need some external entity to teach them some manners..... Their exploits of late are in the territory of the Wild West or a high street smash and grab or mugging.


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    #8
    Timmyr
    Registered Users Posts: 369 ✭✭Timmyr


    VincePP wrote: »
    You seem to be someone that flies off the handle quickly - like many young men. Transfer that to a high powered car (yes, even a diesel can be high power these days) and you have a claim ready to happen.

    I also suggest that before flying off the handle saying that age discrimination is not permitted,  that you research just a wee bit.

    Insurance companies are still allowed to discriminate on the basis of age, provided that they can show actuarial evidence demonstrating that they were acting on a commercial basis.

    So, maybes be nice and beg instead of bullsh1tting
    Easy there tiger, I don't see how quoting legislation can be seen as flying off the handle. 
    I have insured much higher power cars than this before, that is why I was shocked.

    Did nobody ever tell you "if you don't have anything useful to say, don't say anything at all"


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