Motor insurance Broker Recommendations

N

NotMyRealName

Registered User
Messages
135
Anybody have a good motor insurance broker that they'd recommend? Someone who'll scan all providers in the market. The online comparison sites don't return any quotes in my situation.
*Full Irish license, 28 yrs. 3 pts
* Named driver on wife's policy 10+ years, all claim free. I drove a commercial vehicle insured in my name for 20+ years claim free
* Over 60. unemployed
* New car would be 1.5 hybrid Japanese import 2014 - 2017. Not yet purchased as looking to get an idea of insurance, so I input reg. from online models.
Looking to also add young learner driver to the policy, but even without that , the online comparisons don't quote. Any other advice from experience gratefully considered.
 
You have no recent experience or NCB in your own name? If so, I fear you'll struggle to get insured and you may forget about adding a learner if you do. Why not put learner on your wife's policy?
 
I'd say adding a young driver to the car as a named driver in this instance might suggest to insurers that they will actually be the main driver, and have a quote denial issue with that.

But, you could ring https://www.campion.com/ on Monday.
 
mathepac said:
You have no recent experience or NCB in your own name? If so, I fear you'll struggle to get insured and you may forget about adding a learner if you do. Why not put learner on your wife's policy?
Click to expand...
Family car is too big. 3ltr big main marque
 
GSheehy said:
I'd say adding a young driver to the car as a named driver in this instance might suggest to insurers that they will actually be the main driver, and have a quote denial issue with that.
Click to expand...
Sure, but onlines are not even returning a quote without that input.
 
Last edited:
Young driver can't be main driver as test not done yet. In the meantime they need accompanied practice. Anyway, I will be the main driver.
 
NotMyRealName said:
New car would be 1.5 hybrid Japanese import 2014 - 2017.
Click to expand...
Could be part of the problem as a lot of the Japanese imports coming on don't have immobilisers fitted. Car theft is significantly less prevalent there, more cars stolen here with a small fraction of the population!
 
The banks, certainly AIB and BoI act as brokers for motor, house, and life insurance. If you bank with one of them, try them out. I'm with AIB and find them very easy to deal with; auto-renewal, zero finance charges if you want to pay "on the drip", etc. I know it's a pain, but maybe ringing one of them and a scout around a few brokers is the way over your hurdles with the comparison sites.
 
NotMyRealName said:
* Named driver on wife's policy 10+ years, all claim free.
* New car would be 1.5 hybrid Japanese import 2014 - 2017.
Click to expand...
I had a similar situation some years ago, plenty of claim free years on a company policy and as a named driver on my wife’s car but I didn't have a no claims bonus of my own.

By far the cheapest quote I got was from my wife's insurer, presumably because I was already a named driver on her claim free policy for many years.

As already mentioned, the Japanese import might be the problem, try putting in a standard 1.4 Golf or similar, if they quote for that, then you know the import is the problem.
 
Des Pondent said:
As already mentioned, the Japanese import might be the problem, try putting in a standard 1.4 Golf or similar, if they quote for that, then you know the import is the problem.
Click to expand...
Yeah, but you'd be amazed how many European marque small automatics are also Japanese market imports
 
Last edited:
Leo said:
Could be part of the problem as a lot of the Japanese imports coming on don't have immobilisers fitted.
Click to expand...
I checked with a family member in the trade who imports cars from Japan, European & Japanese marques, and he says you'll need to search very hard to find an import without an immobiliser. You can't buy one by accident either as the " immobiliser fitted Y/N" forms part of the auction specification.

Maybe OP's problem is the age of the cars he's looking at.
 
Insurance company quotes engines should be forced to clearly list the criteria of cars, drivers etc. that they are not interested in quoting for on their websites. Would be a very consumer friendly thing to do and save a lot of time and frustration. They could cherry pick with compassion instead of their current model of valuing their own time, and no one elses.
 
mathepac said:
I checked with a family member in the trade who imports cars from Japan, European & Japanese marques, and he says you'll need to search very hard to find an import without an immobiliser.
Click to expand...
Perhaps they might be confusing the import of Japanese marques from European markets versus the direct import of cars built for the more honest Asian market. There has been widespread coverage in the media of the rate of thefts of direct Japanese imports over the last few years (example, example, example).
 
The car has alarm and immobiliser. Automatic, reversing camera, parking sensors, cruise control . Fresh NCT .
So, without even suggesting a learner driver....
So far, flat refusal from AiG ( our current insurer)
Refusal from Allianz ( outside their underwriting parameters ) after online info input freeze, then with an agent call centre abroad who manually input ALL criteria again ( think, "computer says no " )
In touch with a broker awaiting a callback. The "dark arts" of insurance quoting.
 
You must log in or register to reply here.
Menu
Log in
Register