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What to do when no insurance company wants to insure you?

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  • 23-07-2019 7:03pm
    #1
    JaimeB
    Registered Users Posts: 72 ✭✭


    So today I called Carol Nash and they said they won't insure me because I'm not living in Ireland for at least three years... Liberty said because I haven't had the A for 5 years and they were a bit worried my license wasn't Irish but Spanish. Principal insurance wouldn't, because the bike stayed in the drive way, not in a garage...
    What should I do know? Try to insure it for less money than it's worth?


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    #2
    Mjolnir
    Registered Users Posts: 985 ✭✭✭Mjolnir


    JaimeB wrote: »
    So today I called Carol Nash and they said they won't insure me because I'm not living in Ireland for at least three years... Liberty said because I haven't had the A for 5 years and they were a bit worried my license wasn't Irish but Spanish. Principal insurance wouldn't, because the bike stayed in the drive way, not in a garage...
    What should I do know? Try to insure it for less money than it's worth?

    Exchange your license for an irish one, nothing you can do about a ncb as they don't transfer.
    What bike is it?
    You can get three refusal letters and submit them to the insurance board who will force one to give you a quote. While they will ensure it won't be a preventative quote they can't stop them charging you say 5k+
    You can't under insure your property not only does it defeat the purpose it's not exactly legal and could lead to lots of problems.


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    #3
    Rafal
    Registered Users Posts: 400 ✭✭Rafal


    Mjolnir wrote: »
    Exchange your license for an irish one, nothing you can do about a ncb as they don't transfer.
    What bike is it?
    You can get three refusal letters and submit them to the insurance board who will force one to give you a quote. While they will ensure it won't be a preventative quote they can't stop them charging you say 5k+
    You can't under insure your property not only does it defeat the purpose it's not exactly legal and could lead to lots of problems.

    I agree, get Irish licence sooner than later.

    The DCA (Declined Cases Agreement procedure, see this post) ensures that the quote you get is not “excessive”. The DCA rules stipulate that while the premium may be high, it cannot be “excessive” as that would be tantamount to a refusal.


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    #4
    JaimeB
    Registered Users Posts: 72 ✭✭JaimeB


    Mjolnir wrote: »
    Exchange your license for an irish one, nothing you can do about a ncb as they don't transfer.
    What bike is it?
    You can get three refusal letters and submit them to the insurance board who will force one to give you a quote. While they will ensure it won't be a preventative quote they can't stop them charging you say 5k+
    You can't under insure your property not only does it defeat the purpose it's not exactly legal and could lead to lots of problems.

    Thanks guys. I guess I will get the Irish license but what a joke, it's Europe, it is supposed to be the same thing... One of the insurers told me that unless I have the bike on property the refusal letter will be of no use to me...


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    #5
    IrishGrimReaper
    Registered Users Posts: 1,033 ✭✭✭IrishGrimReaper


    What bike are you trying to get Insured on?


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    #6
    galwaytt
    Registered Users Posts: 12,776 ✭✭✭✭galwaytt


    JaimeB wrote: »
    Thanks guys. I guess I will get the Irish license but what a joke, it's Europe, it is supposed to be the same thing... One of the insurers told me that unless I have the bike on property the refusal letter will be of no use to me...

    There is no such thing as an 'EU' licence. What there is, is an EU- recognised licence, as issued by an EU member state.

    The rule is quite simple: you're required to hold a licence issued from the State you normally reside in.

    Spain is in the EU too, and I'd have to surrender my Irish one there, so I don't see your point....... https://www.expatica.com/es/living/transportation/eu-regulations-drivers-license-473563/

    If anything, Ireland is the most lax of all the jurisdictions on the issue.

    Ode To The Motorist

    “And my existence, while grotesque and incomprehensible to you, generates funds to the exchequer. You don't want to acknowledge that as truth because, deep down in places you don't talk about at the Green Party, you want me on that road, you need me on that road. We use words like freedom, enjoyment, sport and community. We use these words as the backbone of a life spent instilling those values in our families and loved ones. You use them as a punch line. I have neither the time nor the inclination to explain myself to a man who rises and sleeps under the tax revenue and the very freedom to spend it that I provide, and then questions the manner in which I provide it. I would rather you just said "thank you" and went on your way. Otherwise I suggest you pick up a bus pass and get the ********* ********* off the road” 



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    #7
    galwaytt
    Registered Users Posts: 12,776 ✭✭✭✭galwaytt


    Change your licence and based on my experience, for a newbie here Liberty will be the best option anyway.

    Ode To The Motorist

    “And my existence, while grotesque and incomprehensible to you, generates funds to the exchequer. You don't want to acknowledge that as truth because, deep down in places you don't talk about at the Green Party, you want me on that road, you need me on that road. We use words like freedom, enjoyment, sport and community. We use these words as the backbone of a life spent instilling those values in our families and loved ones. You use them as a punch line. I have neither the time nor the inclination to explain myself to a man who rises and sleeps under the tax revenue and the very freedom to spend it that I provide, and then questions the manner in which I provide it. I would rather you just said "thank you" and went on your way. Otherwise I suggest you pick up a bus pass and get the ********* ********* off the road” 



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    #8
    Hotblack Desiato
    Registered Users Posts: 35,065 ✭✭✭✭Hotblack Desiato


    If you're prepared to risk a third party only policy (no theft or damage cover) then it doesn't matter if the bike is garaged or not. Depending on the value of the bike and where you live, could be worth it to get that vital first year's no claims bonus.

    © 1982 Sinclair Research Ltd



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    #9
    JaimeB
    Registered Users Posts: 72 ✭✭JaimeB


    galwaytt wrote: »
    There is no such thing as an 'EU' licence. What there is, is an EU- recognised licence, as issued by an EU member state.

    The rule is quite simple: you're required to hold a licence issued from the State you normally reside in.

    Spain is in the EU too, and I'd have to surrender my Irish one there, so I don't see your point....... https://www.expatica.com/es/living/transportation/eu-regulations-drivers-license-473563/

    If anything, Ireland is the most lax of all the jurisdictions on the issue.

    I read the article, and it's not that you have to surrender your license, but they won't take permenant licenses. In Spain you have to renew it every X years, so they make people with permanent licenses to renew them. I just think licenses should be standardized across EU.


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    #10
    macplaxton
    Moderators, Motoring & Transport Moderators Posts: 2,957 Mod ✭✭✭✭macplaxton


    Licences have been ever more standardised over the years.

    Member States can apply certain rules to other MS licences.

    MSs had two options under 2DLD and Ireland stuck with the old laminated bit of card at the time and the UK went plastic credit card sized. The 3DLD meant all MSs new issues were plastic credit card sized, with chip option. You can see this chip option being mandatory down the line.

    All the "old style" MS varieties (over 110) will have to be replaced by 2033 anyway.

    https://europa.eu/youreurope/citizens/vehicles/driving-licence/driving-licence-recognition-validity/index_en.htm


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    #11
    JaimeB
    Registered Users Posts: 72 ✭✭JaimeB


    Well, license changed, and still they don't want to insure me, no because they will not accept a community parking (gated, just for residents) just garage which I don't have. So now effectively no company will insure it. Has anyone been in this position?


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    #12
    ArrBee
    Registered Users Posts: 822 ✭✭✭ArrBee


    I've not been in the position of being refused.
    I was able to transfer my NCB from another country and get insurance for my bike that was on the driveway ungaraged.

    Insurance companies do seem to be getting worse and worse though.


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    #13
    IrishGrimReaper
    Registered Users Posts: 1,033 ✭✭✭IrishGrimReaper


    What bike is it


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    #14
    mamax
    Registered Users Posts: 880 ✭✭✭mamax


    JaimeB wrote: »
    Well, license changed, and still they don't want to insure me, no because they will not accept a community parking (gated, just for residents) just garage which I don't have. So now effectively no company will insure it. Has anyone been in this position?

    Most lads would just tell them it's garaged, and if it gets stolen then they would say it was stolen elsewhere, now
    I'd never suggest You do that :p


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    #15
    zubair
    Registered Users Posts: 2,459 ✭✭✭zubair


    If the issue is around it being garaged, see if a fitted alarm and a gps will help get a quote. Approved locks and anchors might help too.


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    #16
    Hotblack Desiato
    Registered Users Posts: 35,065 ✭✭✭✭Hotblack Desiato


    We're being strung along yet again lads, OP ignores all useful suggestions and won't answer any reasonable questions.

    © 1982 Sinclair Research Ltd



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    #17
    GBX
    Registered Users Posts: 11,982 ✭✭✭✭GBX


    Op hasn't been online since he posted yesterday. He's not as active as others on here.


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    #18
    D3V!L
    Registered Users Posts: 2,953 ✭✭✭D3V!L


    Hotblack Desiato wrote: »
    We're being strung along yet again lads, OP ignores all useful suggestions and won't answer any reasonable questions.

    I was going to call this ;)

    Lads, the OP has a track record of these threads. Check out his history.


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