Motor insurance renewal

H

haventaclue

Registered User
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Having been trying to check this online so hopefully someone can help me. I just got my motor renewal notice today just 4 days before renewal which doesn't give me a whole bunch of time to play around with in getting alternative prices. I have something in the back of my memory that says that I should it get it sooner than this?
 
Mary Harney as Minister for Enterprise brought in legislation in 2002 requiring that insurers issue you your renewal notice and proof of NCB 21 days in advance. Either your broker has made a genuine mistake or they have a corrupt deal with your current insurer to prevent you shopping around.
 
FrCrilly said:
Mary Harney as Minister for Enterprise brought in legislation in 2002 requiring that insurers issue you your renewal notice and proof of NCB 21 days in advance. Either your broker has made a genuine mistake or they have a corrupt deal with your current insurer to prevent you shopping around.
Click to expand...


the conspiracy theory!!!
 
I got my renewal notice one month in advance. A week before the renewal date, I got a phone call asking did I recieve it. I said I had but was shopping around (I hadn't at that stage) and asked could they do any better on the quote. They offered 10% off on the phone. I have looked for cheaper since and can't find any.

I would contact broker and give out about the 4 days notice. Take your business elsewhere, if you can.
 
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Genuine errors do occur. There might have been a mistake on your bonus or wrong reg etc. Then the broker may have had to request a new one. Sometimes the company doesn't release the renewal because they are waiting on something (like a licence). Lots of things can happen (staff off sick etc). It's not acceptable as they should have called you in order to advise it was going to be late but I wouldn't go as far as to suggest they were in cahoots with the insurance company. I'd call them and complain. I know in the brokers that I work in we are severley understaffed. Only if customers complain enough will we be able to convince the MD that we need more staff.
 
Briancbyrne - your wrong about 30 days. IFSA regulations are that the renewal notice must be with the client 15 working days prior to renewal date. Give them a buzz if you don't believe me.

haventaclue - as above, i would suggest you change brokers or go direct. 4 days prior to renewal is not acceptable/legal. if you really wanted to ,you could report them to IFSA.
 
The other point to make, of course, is that you should have been aware of when your insurance was due to expire and could have called the broker when you didn't get your renewal notice until the last four days...what would have happened if you didn't get any notice at all?
 
Not sure about anyone else but it doesn't take me 4 days to compare quotes - an hour or so online/on phone and I know who I'm giving my business to. You can get instant cover with several brokers/insurers nowadays and then forward the NCB cert/ copy of license in due course.
 
Suse said:
Briancbyrne - your wrong about 30 days. IFSA regulations are that the renewal notice must be with the client 15 working days prior to renewal date. Give them a buzz if you don't believe me.
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Suse, Brian said 21 days which is the same as 15 working days if you count in non working days.
 
May be it has been sent on time and delayed in the postal network (that actually seems slow at the moment) ??....so it seems very presumptious to point the finger at the brooker so quickly....

[rant starts here]
In fairness, your current insurance certificate clearly states the from / to date of the cover period and even down to the minute (at last on mine).
So with a tiny winy bit of effort, everybody knows in advance when it's coming. Too easy to always past the buck IMO.
[and finish here]
 
Who rattled your cage Bacchus? You wasted a lot of energy their having a rant at me. If you have calmed down perhaps I could direct you to my OP and maybe you can then tell me where I pointed any fingers or where I said that I didn't know my renewal date. I asked a simple question because I recalled some sort of "legality". FYI post mark was dated for the previous day.

Hey what the hell am I even doing explaining myself to you.

This what I love about boards is that there are loads of posters out there ready to scratch another eyes out by not reading properly :rolleyes:
 
Sorry, you got me wrong...and i understand why..

[rant starts here]
In fairness, your current insurance certificate clearly states the from / to date of the cover period and even down to the minute (at last on mine).
So with a tiny winy bit of effort, everybody knows in advance when it's coming. Too easy to always past the buck IMO.
[and finish here]
Click to expand...
"YOUR" should have been "THE" in the same way the tiny winy effort is addressed to "EVERYBODY KNOWS"....

It was not my intention to address this to you specifically.

If it had been:
1- i would have made use of your quote in the same was "ailbhe" addresses "Suse" in earlier post.
2- i would not be bothered replying


I have been contributing (good and bad contributions before anybody makes a comment!) for quite a while to this site to notice that , IMO, too many people point fingers at everybody else (e.g. EAs, solicitors, banks, accountants, hairdressers, etc...)


Very good example in this thread:

Suse said:
haventaclue - as above, i would suggest you change brokers or go direct. 4 days prior to renewal is not acceptable/legal. if you really wanted to ,you could report them to IFSA.
Click to expand...
What proof /knowledge of the root cause allows Suse to make such a sweeping statement? Was an audit conducted in the brooker's office which concluded that they were sending renewal notice late?

Suse, not having a go at you before you say so.. it is just an easy example without having to root through other threads...
 
bacchus said:
What proof /knowledge of the root cause allows Suse to make such a sweeping statement? Was an audit conducted in the brooker's office which concluded that they were sending renewal notice late?
quote]

Would not exactly need proof - the broker appears that they did not comply with regulations (how else would they have inadvertedly known that they did NOT send the renewal notice, so they sent it twice) ?

Surely the cover letter would have stated we enclosed your duplicate renewal etc..

Vote with your feet!
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GA001 said:
the broker appears that they did not comply with regulations (how else would they have inadvertedly known that they did NOT send the renewal notice, so they sent it twice) ?
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Where did you read in this thread that the brooker did no comply with the regulations? speculations?
 
haventaclue said:
Ailbhe I never suggested that anyone was in cahoot's with an insurance company!!!
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I never said you did haventaclue but Fr Crilly did. Your a bit quick to jump down peoples throats without reading the rest of the posts. It is your thread. At this stage people have given you as much advice as possible. Complain to the broker, find out why they didn't send it out earlier as there may be a reasonable explanation (only human) and if you feel strongly enough report them to the regulator. Simple really.
 
bacchus said:
Where did you read in this thread that the brooker did no comply with the regulations? speculations?
Click to expand...

The broker failed to comply with the 15 work day time stipulation to issue the renewal notice to the insured.

Hardly speculation, fact.
 
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