The Irish motor insurance industry are a disgrace and the reason we have so many people driving around without insurance. They have and continue to make fools of the Irish people. Then they get on their high horse and blame young drivers of causing the hike in insurance policies.
Fact 1. have car insurance and son named on policy for third year, full licence, no points, no accidents etc. quote came in for this years policy €400 hike?
Fact 2. Did a bit of shopping around and that really show how inept these people are?
Policy for myself – €435 with son €2,200.
Got quote from "Sharryfoly" for €1,200 so not bad, you would think, then they came back to say that was a commercial quote, so I said ok I have a registered business and do at times use the car for work, but they then came back to say that couldn’t get commercial insurance because the CAR had back seats!
It always had even when the quote was requested. So then came back with €1,600 odds private so ok said go with that as it was still almost €400 less than my own re-quote. Got the documents in and price of letter of offer was €2032, so you can imagine decided not to go with this company as they totally don’t have a clue what they are doing and would be worried that I wouldn’t have insurance at all.
So have went to 5 other companies and 3 wont quote and 2 others giving policy of well over €2,000.
Son says “mum just drive without insurance everybody is doing it” and of course that nearly had a situation where I took the head off my son for suggesting it as that is not the way he was brought up.
But I have calmed down a bit now and totally see why people don’t pay – they can’t afford it, is there not a set guidance, some kind of regulation?
We should have a policy of insurance they we buy insurance personally and not related to the car and we take responsibility for ensuring we cover any claims that can be made against us personally. It works in the states!
Fact 1. have car insurance and son named on policy for third year, full licence, no points, no accidents etc. quote came in for this years policy €400 hike?
Fact 2. Did a bit of shopping around and that really show how inept these people are?
Policy for myself – €435 with son €2,200.
Got quote from "Sharryfoly" for €1,200 so not bad, you would think, then they came back to say that was a commercial quote, so I said ok I have a registered business and do at times use the car for work, but they then came back to say that couldn’t get commercial insurance because the CAR had back seats!
It always had even when the quote was requested. So then came back with €1,600 odds private so ok said go with that as it was still almost €400 less than my own re-quote. Got the documents in and price of letter of offer was €2032, so you can imagine decided not to go with this company as they totally don’t have a clue what they are doing and would be worried that I wouldn’t have insurance at all.
So have went to 5 other companies and 3 wont quote and 2 others giving policy of well over €2,000.
Son says “mum just drive without insurance everybody is doing it” and of course that nearly had a situation where I took the head off my son for suggesting it as that is not the way he was brought up.
But I have calmed down a bit now and totally see why people don’t pay – they can’t afford it, is there not a set guidance, some kind of regulation?
We should have a policy of insurance they we buy insurance personally and not related to the car and we take responsibility for ensuring we cover any claims that can be made against us personally. It works in the states!