Yes - different loadings for different criteria such as address.I have recently moved from Dublin to Limerick and when I informed my car insurance company they have increased my premium by 40%. Is this common?
Potentially anything and everything they ask you about on the application form I presume?There has been no claims on my policy, the only change has been the address. Is a 40% increase justifed between Dublin and Limerick? What variables are considered in calculating premiums?
Do they ask about such specifics - e.g. on street versus private/secured parking?if your car was parked off the road in Dublin and is not in Limerick
Do they ask about such specifics - e.g. on street versus private/secured parking?
It affects night shift workers. I was affected by this problem as it also causes a loading for commuting late at night/early mornings.I've also been asked things like:
"Is the car kept at this address for at least four nights a week?"
Presumably if it wasn't, there would be a loading too.
Really??
A company by law is not allowed to apply a loading for ones occupation, it's in breach of the equal status act?
The only occupations that would generate a higher premium is Pharmacist, Jewlers, Bookies & Scrap Metal merchants, but loading are not applied to those policies, a business use charge is usually added, all you gotta do in those cases is call the company and say that you do not use the car for work and the business use charge is removed. The commute in and out to work is Social, Pleasure & Domestic use so tell 'em to shove their bill
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