Car insurance

dollyk

My insurance with Liberty has gone up from 509 to 879 ?
Some said said it might be because my car is now 10 years old.
Any recommendations ? thanks . Got a quote for 485 from its4women
but they have really poor reviews.

bazz26

The recommendation is basically the same every time, you need to shop around for the best cover at the best price. It involves doing the leg work of either filling out online quotes or ringing them. There really is no one insurance company cheap for a particular age group, etc.

Supergurrier

Shop around.

I was paying 500-700 for my St from 2012-2015 650e on my S4
When I switched to 535d insurer wanted 2650e so I shopped around and got insured for 950e
Paying 989e now on 350z but I didn't bother shopping around.

robclay26

I got my insurance renewal today, Aviva

Corsa 1.3 CDTI 2007, never any convictions, never points 100% clean licence. 15 years full licence and 5 years+ no claims

2014 €294
2015 €388
2016 €722

Crazy ****e! Really Really raping us these insurance companies. they are pricing us off the road!

Tzardine

They really just pull figures from the sky i think. There is no apparent method to it.

My wifes insurance actually went from 950 last year to 801 this year. She is still on a provisional, no change to car or any other details.

Mine on the other hand has jumped by about 30% for the exact same cover as last year.

robclay26

extortion i would classify their methods of operating. shouldnt a good driver get cheaper or remain the same price each year?

gavman1

I don't want to turn this thread into something else but I think the results of the enquiry into insurance costs recently speak for themselves.we have been thrown to the wolves.one of the biggest problems here in ireland is that we allow this.they tell us how much and we pay it.are they going to be stopped by sum super hero that will come to our rescue in the form of enda kenny with his under pants on the outside?wouldn't hold my breath lads.water charges were shelved because of an election looming and a government ****ting it.thats the only time an Irish government will be proactive about the peoples needs.rant over.

Liam McPoyle

gavman1 wrote: »

I don't want to turn this thread into something else but I think the results of the enquiry into insurance costs recently speak for themselves.we have been thrown to the wolves.one of the biggest problems here in ireland is that we allow this.they tell us how much and we pay it.are they going to be stopped by sum super hero that will come to our rescue in the form of enda kenny with his under pants on the outside?wouldn't hold my breath lads.water charges were shelved because of an election looming and a government ****ting it.thats the only time an Irish government will be proactive about the peoples needs.rant over.

Care to share these results?

headoverheels

I would suggest contacting an insurance broker.
They will search around for the best possible quotes. Unfortunately, it seems insurance companies are penalising people eitherway it doesn't seem to matter what sort of car or driving history a person has.

gavman1

gavman1 wrote: »

I don't want to turn this thread into something else but I think the results of the enquiry into insurance costs recently speak for themselves.we have been thrown to the wolves.one of the biggest problems here in ireland is that we allow this.they tell us how much and we pay it.are they going to be stopped by sum super hero that will come to our rescue in the form of enda kenny with his under pants on the outside?wouldn't hold my breath lads.water charges were shelved because of an election looming and a government ****ting it.thats the only time an Irish government will be proactive about the peoples needs.rant over.

The motor insurance industry has been accused of deliberately hiding key information from public view and engaging in cartel-like behaviour in a hard-hitting report on spiralling car insurance premiums.

The Joint Committee on Finance also accuses the Central Bank of standing idly by as consumers have been “thrown to the wolves” when it comes to premium pricing.

The report said that all witnesses to the committee – except the insurance industry’s three representatives – referred to the absence of data-sharing and the impediment this placed on getting to the root cause of motor insurance price increases.

It points out that 20 per cent of insurance claims are processed through the personal injuries assessment board (PIAB) and a further 10 per cent go through the courts.

“For both of those roots there is full transparency and claims data is available in full view in the public domain however the remaining 70 per cent of claims are settled privately by insurers outside of both the PIAB and the courts service [and] there is no visibility or transparency whatsoever about these claims.

“It is as if they have disappeared into a black hole to remain ringfenced from interrogation and wider public scrutiny,” the report said.

Closed mentality

The committee said it was strongly of the opinion that the closed mentality and an unwillingness to share data freely was a contributory factor to the recent rise in motor insurance premiums and said it may also have hindered the entry entry of new operators into the market.

It questioned whether the insurance industry is “bona fide in undertaking to provide this information in future of its own accord”.

Potential-Monke

What I can't understand is the unwillingness of providing the data that leads to the increase. I'm currently in the middle of a complaint against Liberty for upping my insurance by nearly 400% for the remaining 6 months of my policy due to an address change. They stated it was due to the level of "claims and crashes" in my new area, but point blank refuse to back this up with hard data. Surely this is illegal? It's like a mechanic charging €400 for a service that's normally €100 and not backing up their reason for it with facts. I've no choice, I have to complain, because I'm basically after being priced out of motor insurance.

gavman1

Potential-Monke wrote: »

What I can't understand is the unwillingness of providing the data that leads to the increase. I'm currently in the middle of a complaint against Liberty for upping my insurance by nearly 400% for the remaining 6 months of my policy due to an address change. They stated it was due to the level of "claims and crashes" in my new area, but point blank refuse to back this up with hard data. Surely this is illegal? It's like a mechanic charging €400 for a service that's normally €100 and not backing up their reason for it with facts. I've no choice, I have to complain, because I'm basically after being priced out of motor insurance.

It would seem you are not alone lad.ive a friend that needed insurance on a work vehicle a while back.ended up not being able to afford it and has been basically sidelined for the job he has been doing for five years.they don't provide anything to back up there quotes because they can't.they also want outside competition to think the market is unprofitable.this has been going on for a long time now but lately they are going to far.the enquiry is over,the results are in and still nothing is done to stop them.welcome to Ireland.

selous

My renewal was weird

2008 2.0l diesel, value E7k, renewal was E720 it was E560 last year
But I traded that in and got a 2015 2.2L diesel value E23k quote was E599

Liberty quoted E1582
Axa E1333
its 4 women E589
But stayed with 123.ie for the 599.

Shop around.

Liam McPoyle

Potential-Monke wrote: »

What I can't understand is the unwillingness of providing the data that leads to the increase. I'm currently in the middle of a complaint against Liberty for upping my insurance by nearly 400% for the remaining 6 months of my policy due to an address change. They stated it was due to the level of "claims and crashes" in my new area, but point blank refuse to back this up with hard data. Surely this is illegal? It's like a mechanic charging €400 for a service that's normally €100 and not backing up their reason for it with facts. I've no choice, I have to complain, because I'm basically after being priced out of motor insurance.

You are dead right.

If an insurer makes an underwriting decision they have to be able to back it up.

There was a case a few years back with RSA.

They declined to quote a driver that was over 75 because he was outside of acceptance criteria due to his age alone.

He brought a complaint to the FSO and RSA were unable to prove their reasoning.

They were forced to change their acceptance criteria and had to pay the complainant €2000 compensation.

I wish more people would take genuine grievances to the relevant authorities, its the only way things will change.

Fair play to you and please let us know how you fair out.

headoverheels

You are dead right first challenging this and hopefully others will follow suit

My insurance is due for renewal in january and I'm a dreading it!

I received an email during the summer from my insurance company stating that due to the age of my car i could face increased costs on renewal.

I rang them about this and asked why the age of my car is so important if I have .valid NCT cert then why would this matter.. he couldn't answer one of my questions.

So what are we all going to be forced into purchasing new cars now for the sake of these money grabbers.. will the NCT be abolished eventually if that's the case!

I wouldn't dream of driving a new model on the state of our roads
No thanks!!

dollyk

went with 123. 530 but just went 3rd party
and protected my no claims/

Potential-Monke

gavman1 wrote: »

It would seem you are not alone lad.ive a friend that needed insurance on a work vehicle a while back.ended up not being able to afford it and has been basically sidelined for the job he has been doing for five years.they don't provide anything to back up there quotes because they can't.they also want outside competition to think the market is unprofitable.this has been going on for a long time now but lately they are going to far.the enquiry is over,the results are in and still nothing is done to stop them.welcome to Ireland.

We'll I'm not accepting that. If I need to bring it to court, I will. Once I get something in my head, I follow through. Flexirent tried something similar (but still different) and if it wasn't for me knowing how to read law, they would have got away with it. They didn't. I'm convinced that if this was legally challenged, no judge could side with them.

madamab

I had an accident in March 2015, I knocked down a pedestrian. It was the worst day as later on my brother had a stroke and eventually died. I was in first gear turning a corner when as I looked into my lefthand mirror I saw a face in my passenger window but had not felt any impact at all. If I had not seen his face I would have driven off, obviously I didnt. The emergency services were called and I heard later that the man had a broken leg. He never returned my texts to ask how he was and I was told not to text him but I am only human and was very concerned. I was tested for drinking which I hadnt been as I was on the way to pick up my son from school. The police ladies confirmed there was no impact marks on my car as I had been going so slow in first gear and the following day I went to make my statement. It was later on that night that I found out about my brother and was at the hospital with him til 5am. I gave my statement in a very bad state I have to say though was honest and told the truth. I never saw the man. A few weeks later after my brother died I received a registered mail demanding I take responsibilty for my actions etc. which I forwarded to my insurance company. In January of this year I received a call from the Gardai to say I was being summoned for a careless driving charge. I was in bits again. The whole accident in my head is related to a very bad day . I had to get a solicitor and in the meantime got my insurance quote which was due to be renewed in February. My insurance came in at 3800. I nearly died when I saw it. Plus the claim was outstanding and I had no choice. However the insurance company young man was very nice and advised me if my son passed his test in March I would get a reduction of about 1000 euro ( no pressure) and when I asked what else I could do he advised me to look at buying a newer car. I had never considered this. I had 2005 Honda Civic 5 door hatch not the boy race types. I looked into it and ended up buying a skoda fabia on pcp - My insurance came down by 1100 by doing this and my tax was on 190 and also my petrol dropped from 50 euro a week to 20 euro a week and also my son passed his test in March and I got a further reduction thankfully. I have been in court 3 times but due to my solicitor who is also cositng 2000euro advising me to plead not guility as per the statements of the gentleman who broke his leg I am now in for a full hearing on Feb 15. The statement read that he saw me approaching from about 15 feet and thought I saw him and therefore decided to walk out on the road. Today I learned that my insurance company paid out 209 000 to the said gentleman back in July , they never told me and were quite snotty with me on the phone. I have been in pieces all day worrying what my quote will be next month and I still have to overcome a case in Feb, i have never had any points on my licence and I am 51 years old. I did ring CHill today and spoke to a lovely lady and disclosed all of the above - just in case my own insurance company is too much. I got a quote of 4k and if she removes my son it drops to 1500 but there is an excess of 3k on this - its a specialist policy for people with claims. I am unsure if I had step back so I need to call my own company tomorrow as CHill based my quote on 1 year no claims and if I find out I did have step back I might get a better reduction. I dont know if any one knows of other companies who quote for people who have had accidents? If so I would be grateful indeed for any information and fingers crossed my court case goes well. Thanks in advance

gavman1

Your ins paid out how much,209k or 29k.

madamab

They paid out 209,000 two hundred and nine thousand

gavman1

madamab wrote: »

They paid out 209,000 two hundred and nine thousand

Wow.was that awarded by a judge or just offered by your ins company?

madamab

I dont think it went to court - surely I would know? or would I? I rang them today about something else and happened to mention to them and they told me it was settled ! I was very surprised that I hadnt heard and then even more shocked when the amount was disclosed - thet said I should have had a letter which I felt I should have had but their answer was its done now !! Wished me luck in court and that was it. I got off the phone kinda thinking what was that about!!

madamab

Oh they said they had to settle for that much or run the risk of it being a lot more, I disclosed the contents of the statements to them last April /May and they were very happy with what I told them as it would influence a claim etc so I really really dont know how figures are reached. But then does anyone and is that the reason why we all pay so much even those who are claim free??

gavman1

madamab wrote: »

Oh they said they had to settle for that much or run the risk of it being a lot more, I disclosed the contents of the statements to them last April /May and they were very happy with what I told them as it would influence a claim etc so I really really dont know how figures are reached. But then does anyone and is that the reason why we all pay so much even those who are claim free??

If they pay out that easily then it's no wonder they have a certain level of fraud.but it's fraud they are inviting on themselves so why should you and me be picking up the tab.how did they come up with such a figure.if anyone in the business is reading this could you please shed some light please.is it purely to keep the legal fees down?I'm astounded,209k for a broken leg???

madamab

I suspect there was a certain amount of loss of earning you see as the gentleman in question was a self employed taxi driver so I understand there would be an element of loss of earnings. I would love myself to see how the claim was decided and in which way and what percentage went to injury, loss of earnings, medical and such like just to see but Im not sure if I am entitled to this at all , does anyone know ? My insurance company certainly werent offering me a copy of this and as I said never even wrote to me to advise that it had been settled. i had a figure in my head of about 80 k. The insurance company said it was a serious injury and I asked if they were referring to a broken leg incase there was something else and they said yes. THey said it is always the case with a pedestrian as it is hard to ( i forget how they put it) but essentially he was saying that there was nothing they could do or risk a higher pay out so I assume it never went to court! It is what it is the guy said to me. I asked him if I get found not guilty of careless driving where will that stand and he said claim is closed and was settled by their LARGE LOSS DEPT.

Liam McPoyle

gavman1 wrote: »

If they pay out that easily then it's no wonder they have a certain level of fraud.but it's fraud they are inviting on themselves so why should you and me be picking up the tab.how did they come up with such a figure.if anyone in the business is reading this could you please shed some light please.is it purely to keep the legal fees down?I'm astounded,209k for a broken leg???

Their driver was prosecuted for reckless driving.

Their driver hit a pedestrian.

The pedestrian suffered injuries.

That is an absolute slam dunk when it comes to a court case and is essentially indefensible.

Have a look at the book of quantum, its available on the injuries board website.

For bad leg injuries the recommended payment can be up to €100k depending on the type of injury and if it will have a life changing impact.

Then you have medical expenses, possibly surgery, hospital stay, physio etc.

Then you have loss of earnings.

The guy was self employed and needs his legs for his occupation as a taxi driver.

You also have punitive damages which can run into hundreds of thousands depending on the injury, pain and suffering, PTSD (this is a common one, I've nightmares your honour, I'm afraid to walk anywhere since the accident your honour etc :rolleyes: )

Finally you have legal expenses, generally 30% to 40%.

So tot that up keeping all costs at a fairly modest level, without knowing specifics about the injury.

Injury - €60k
All medical expenses - €5k
Loss of earnings for a year - €40k
Punitive damages - €50k
Total €155k

+ 30% legal fees

=

Approx €200k

I'd estimate that by settling out of court the insurer saved a damn sight more than they paid out.

Its disgusting, absolutely disgusting but when you have a limp wristed judiciary coupled with insidious parasites of solicitors, insurers have little choice but to settle as quickly as possible for the greater good.

Tzardine

madamab wrote: »

I had an accident in March 2015, I knocked down a pedestrian. It was the worst day as later on my brother had a stroke and eventually died. I was in first gear turning a corner when as I looked into my lefthand mirror I saw a face in my passenger window but had not felt any impact at all. If I had not seen his face I would have driven off, obviously I didnt. The emergency services were called and I heard later that the man had a broken leg. He never returned my texts to ask how he was and I was told not to text him but I am only human and was very concerned. I was tested for drinking which I hadnt been as I was on the way to pick up my son from school. The police ladies confirmed there was no impact marks on my car as I had been going so slow in first gear and the following day I went to make my statement. It was later on that night that I found out about my brother and was at the hospital with him til 5am. I gave my statement in a very bad state I have to say though was honest and told the truth. I never saw the man. A few weeks later after my brother died I received a registered mail demanding I take responsibilty for my actions etc. which I forwarded to my insurance company. In January of this year I received a call from the Gardai to say I was being summoned for a careless driving charge. I was in bits again. The whole accident in my head is related to a very bad day . I had to get a solicitor and in the meantime got my insurance quote which was due to be renewed in February. My insurance came in at 3800. I nearly died when I saw it. Plus the claim was outstanding and I had no choice. However the insurance company young man was very nice and advised me if my son passed his test in March I would get a reduction of about 1000 euro ( no pressure) and when I asked what else I could do he advised me to look at buying a newer car. I had never considered this. I had 2005 Honda Civic 5 door hatch not the boy race types. I looked into it and ended up buying a skoda fabia on pcp - My insurance came down by 1100 by doing this and my tax was on 190 and also my petrol dropped from 50 euro a week to 20 euro a week and also my son passed his test in March and I got a further reduction thankfully. I have been in court 3 times but due to my solicitor who is also cositng 2000euro advising me to plead not guility as per the statements of the gentleman who broke his leg I am now in for a full hearing on Feb 15. The statement read that he saw me approaching from about 15 feet and thought I saw him and therefore decided to walk out on the road. Today I learned that my insurance company paid out 209 000 to the said gentleman back in July , they never told me and were quite snotty with me on the phone. I have been in pieces all day worrying what my quote will be next month and I still have to overcome a case in Feb, i have never had any points on my licence and I am 51 years old. I did ring CHill today and spoke to a lovely lady and disclosed all of the above - just in case my own insurance company is too much. I got a quote of 4k and if she removes my son it drops to 1500 but there is an excess of 3k on this - its a specialist policy for people with claims. I am unsure if I had step back so I need to call my own company tomorrow as CHill based my quote on 1 year no claims and if I find out I did have step back I might get a better reduction. I dont know if any one knows of other companies who quote for people who have had accidents? If so I would be grateful indeed for any information and fingers crossed my court case goes well. Thanks in advance

Is your 'enter' key broken ?

Jimmy Garlic

It's an extortion racket, a cartel. The only thing that will stop it is mass non-payment.. Large numbers of people not getting any insurance whatsoever and carrying on regardless. All that is needed is enough critical mass. Personally I know a family that has been pushed over the edge financially by these despicable money grabbing racketeers.

Living Off The Splash

Just shopping around for my renewal.

Existing......Glennons/Zurich......€438.

Aviva....€423.

Allianz.....€410.

123.ie.....€294.

Why is 123.ie offering me insurance at nearly €120 cheaper than the next cheapest?

Liam McPoyle

Living Off The Splash wrote: »

Just shopping around for my renewal.

Existing......Glennons/Zurich......€438.

Aviva....€423.

Allianz.....€410.

123.ie.....€294.

Why is 123.ie offering me insurance at nearly €120 cheaper than the next cheapest?

You are obviously within their target market.

Juat be careful if you are filling out the application online, if something seems too good to be true, it generally is.

ofcork

Just got my renewal from boi insurance gone from 556 to 667 I'm 45 full license no claims only thing they don't charge interest on dd ,not up for a month so shopping around time.