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car insurance
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By (user no longer on site) OP
over a year ago
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"Depends crazy is this your first time getting insurance if so every where will prob be high . An post is where i got the best deal lsst yr ."
yes it is
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By (user no longer on site)
over a year ago
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Be careful of its4women. Very poor reputation for customer service quick to decline to cover for an accident UK based call centres and Gibraltar based underwriter. In other words dodgy as fuck |
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By (user no longer on site)
over a year ago
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My friend had an english driving licence and ran out so had to go apply for irish heel of the hunt at 45 no insurance company would cover her so only one that covered her was boxymo . |
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"Be careful of its4women. Very poor reputation for customer service quick to decline to cover for an accident UK based call centres and Gibraltar based underwriter. In other words dodgy as fuck "
Underwritten by AIG....are they based in Gibraltar ? |
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By (user no longer on site)
over a year ago
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https://www.its4women.ie/products/property/property-insurance-help-centre/who-underwrites-your-policy.html
If you look you will see its a company called sure stone NOT AIG. Sure stone are UK regulated and Gibraltar controlled.
Its4 women score 4 out of 10 on industry surveys..Maybe that's where the 4 in the name comes from... |
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"girls who's the cheapest to get car insurance from
Its4women.ie"
Heard some lad on the radio a couple weeks ago saying that they are good and not only for women too. He actually got a quote from them a couple of hundred euros cheaper than any other. Because of competition laws, they have to offer insurance to male drivers too. |
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By (user no longer on site)
over a year ago
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"girls who's the cheapest to get car insurance from
Its4women.ie
My daughter got her insurance over 1,200 cheaper with Its4women brilliant company "
I got a really high quote from them  i decided they weren't for me  |
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By (user no longer on site)
over a year ago
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"girls who's the cheapest to get car insurance from
Its4women.ie
My daughter got her insurance over 1,200 cheaper with Its4women brilliant company
I got a really high quote from them i decided they weren't for me "
Really?
I'm going to try them next time my insurance is up for renewal... |
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By (user no longer on site)
over a year ago
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"girls who's the cheapest to get car insurance from
Its4women.ie
My daughter got her insurance over 1,200 cheaper with Its4women brilliant company
I got a really high quote from them i decided they weren't for me "
In fairness you were wearing the catsuit and mask at the time....
They probably thought you were the getaway driver  |
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By (user no longer on site)
over a year ago
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"girls who's the cheapest to get car insurance from
Its4women.ie
My daughter got her insurance over 1,200 cheaper with Its4women brilliant company
I got a really high quote from them i decided they weren't for me
In fairness you were wearing the catsuit and mask at the time....
They probably thought you were the getaway driver "
Hahaha sure catwoman doesn't need a getaway car  |
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By (user no longer on site)
over a year ago
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You really want to do all the work yourself...
Find a broker prices should be about the same as going direct... and if the broker cocks up you can Sue them...so get some legal expenses insurance... with a different company to the car insurer
Do it yourself and if it goes wrong you may find yourself uninsured... |
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By *onedbodMan
over a year ago
co Galway |
"Depends crazy is this your first time getting insurance if so every where will prob be high . An post is where i got the best deal lsst yr . yes it is "
True 1st time will be dear everywhere! But an post I'm also with got best deal with them and they are great to deal with unlike a lot of insurers!
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By (user no longer on site)
over a year ago
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"You really want to do all the work yourself...
Find a broker prices should be about the same as going direct... and if the broker cocks up you can Sue them...so get some legal expenses insurance... with a different company to the car insurer
Do it yourself and if it goes wrong you may find yourself uninsured..."
A broker wont cover the online options such as its4women etc. They operate independent of brokers |
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Trying to figure out the insurance industry is like trying to figure out women. It's impossible. I was insuring a truck last year and Aviva refused to quote on the basis that they don't insure tippers. I pointed out that they had insured this very tipper two years prior to that but they wouldn't budge. They even gave me a quote for a non tipper which was rather pointless. Eventually I got a policy through a broker with none other than Aviva at just over half what their non tipper quote was. |
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By *oghunter33Woman
over a year ago
on the hill NordWest of |
"Trying to figure out the insurance industry is like trying to figure out women. It's impossible. I was insuring a truck last year and Aviva refused to quote on the basis that they don't insure tippers. I pointed out that they had insured this very tipper two years prior to that but they wouldn't budge. They even gave me a quote for a non tipper which was rather pointless. Eventually I got a policy through a broker with none other than Aviva at just over half what their non tipper quote was. "
Pmsl that sums it up pretty good! But hey it's not the only industry that functions like that: it took me 4 month to get a landline, being told I can't get one, computer says no, while the telephone pole/line was/is straight in front of my house.  |
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"Trying to figure out the insurance industry is like trying to figure out women. It's impossible. I was insuring a truck last year and Aviva refused to quote on the basis that they don't insure tippers. I pointed out that they had insured this very tipper two years prior to that but they wouldn't budge. They even gave me a quote for a non tipper which was rather pointless. Eventually I got a policy through a broker with none other than Aviva at just over half what their non tipper quote was.
Pmsl that sums it up pretty good! But hey it's not the only industry that functions like that: it took me 4 month to get a landline, being told I can't get one, computer says no, while the telephone pole/line was/is straight in front of my house. "
That's what you get for living on the hill |
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By *oghunter33Woman
over a year ago
on the hill NordWest of |
"Trying to figure out the insurance industry is like trying to figure out women. It's impossible. I was insuring a truck last year and Aviva refused to quote on the basis that they don't insure tippers. I pointed out that they had insured this very tipper two years prior to that but they wouldn't budge. They even gave me a quote for a non tipper which was rather pointless. Eventually I got a policy through a broker with none other than Aviva at just over half what their non tipper quote was.
Pmsl that sums it up pretty good! But hey it's not the only industry that functions like that: it took me 4 month to get a landline, being told I can't get one, computer says no, while the telephone pole/line was/is straight in front of my house.
That's what you get for living on the hill "
Is your tipper strong enough to get up my hill? |
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"it's cumen in at 5000 fuck me "
jeez thats scandalous it really doesnt give any first time drivers a chance to start off at all . How about going on a family members policy as a named driver hope it works out for ya crazy x
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By (user no longer on site)
over a year ago
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"Trying to figure out the insurance industry is like trying to figure out women. It's impossible. I was insuring a truck last year and Aviva refused to quote on the basis that they don't insure tippers. I pointed out that they had insured this very tipper two years prior to that but they wouldn't budge. They even gave me a quote for a non tipper which was rather pointless. Eventually I got a policy through a broker with none other than Aviva at just over half what their non tipper quote was.
Pmsl that sums it up pretty good! But hey it's not the only industry that functions like that: it took me 4 month to get a landline, being told I can't get one, computer says no, while the telephone pole/line was/is straight in front of my house. "
Many of the women on here would love a pole outside their house  |
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By (user no longer on site)
over a year ago
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"it's cumen in at 5000 fuck me jeez thats scandalous it really doesnt give any first time drivers a chance to start off at all . How about going on a family members policy as a named driver hope it works out for ya crazy x"
think if u do that and get caught by gaurds the person ur insured under may get in trouble if u havent a full driving person wit u . Heard sumone talk abt that last wk
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By *ean0001Man
over a year ago
Dublin West |
Contact a broker as well as going on-line.
I use one with the business and saved over a grand. Its only a phone call or an email and they do the work for you.
Some of them will also sort out finance arrangements for you also.
Quick quotes are worth a call. |
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By *avie tCouple
over a year ago
otherside of nowhere |
I got a good deal with axa...I was dreading the renewal after all the horror stories of increases... But I got it for the same with a few extra benefit's... But not sure about first policy... If you have been s name driver its worth mentioning |
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"Trying to figure out the insurance industry is like trying to figure out women. It's impossible. I was insuring a truck last year and Aviva refused to quote on the basis that they don't insure tippers. I pointed out that they had insured this very tipper two years prior to that but they wouldn't budge. They even gave me a quote for a non tipper which was rather pointless. Eventually I got a policy through a broker with none other than Aviva at just over half what their non tipper quote was.
Pmsl that sums it up pretty good! But hey it's not the only industry that functions like that: it took me 4 month to get a landline, being told I can't get one, computer says no, while the telephone pole/line was/is straight in front of my house.
That's what you get for living on the hill
Is your tipper strong enough to get up my hill? "
Sure I'll give it a go anyway |
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Got a quote from AXA for a friend of mine, she is 20, provisional licence, 2007 Ford Focus basic model 1.4, her own policy €3244, a 2007 Opel Corsa 1.0 was €2756. There are different risk codes on cars by the companies. You are better off going into an AXA office than trying online. |
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By (user no longer on site)
over a year ago
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"You really want to do all the work yourself...
Find a broker prices should be about the same as going direct... and if the broker cocks up you can Sue them...so get some legal expenses insurance... with a different company to the car insurer
Do it yourself and if it goes wrong you may find yourself uninsured...
A broker wont cover the online options such as its4women etc. They operate independent of brokers"
Brokers don't cover anything... they just arrange the insurance. Don't know what the options are but both core cover and any options can be arranged by brokers who have access to wider market than any direct insurer...if they are any good! |
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"it's cumen in at 5000 fuck me jeez thats scandalous it really doesnt give any first time drivers a chance to start off at all . How about going on a family members policy as a named driver hope it works out for ya crazy xthink if u do that and get caught by gaurds the person ur insured under may get in trouble if u havent a full driving person wit u . Heard sumone talk abt that last wk "
But no one is supposed drive on own on provisional licence without qualified driver with them or is that not the case. |
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By (user no longer on site)
over a year ago
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"it's cumen in at 5000 fuck me jeez thats scandalous it really doesnt give any first time drivers a chance to start off at all . How about going on a family members policy as a named driver hope it works out for ya crazy xthink if u do that and get caught by gaurds the person ur insured under may get in trouble if u havent a full driving person wit u . Heard sumone talk abt that last wk
But no one is supposed drive on own on provisional licence without qualified driver with them or is that not the case."
that is the case but i think wit so many young ppl driving there trying to crack down on it now after a few fatal crashes |
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"it's cumen in at 5000 fuck me jeez thats scandalous it really doesnt give any first time drivers a chance to start off at all . How about going on a family members policy as a named driver hope it works out for ya crazy xthink if u do that and get caught by gaurds the person ur insured under may get in trouble if u havent a full driving person wit u . Heard sumone talk abt that last wk
But no one is supposed drive on own on provisional licence without qualified driver with them or is that not the case.that is the case but i think wit so many young ppl driving there trying to crack down on it now after a few fatal crashes "
I would presume if you have an accident driving like that you are not covered and immediately at fault though. |
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By (user no longer on site)
over a year ago
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"it's cumen in at 5000 fuck me jeez thats scandalous it really doesnt give any first time drivers a chance to start off at all . How about going on a family members policy as a named driver hope it works out for ya crazy xthink if u do that and get caught by gaurds the person ur insured under may get in trouble if u havent a full driving person wit u . Heard sumone talk abt that last wk
But no one is supposed drive on own on provisional licence without qualified driver with them or is that not the case.that is the case but i think wit so many young ppl driving there trying to crack down on it now after a few fatal crashes
I would presume if you have an accident driving like that you are not covered and immediately at fault though."
Course ur not insured anyway . If u are caught gaurds will take the car of u simple |
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"it's cumen in at 5000 fuck me jeez thats scandalous it really doesnt give any first time drivers a chance to start off at all . How about going on a family members policy as a named driver hope it works out for ya crazy xthink if u do that and get caught by gaurds the person ur insured under may get in trouble if u havent a full driving person wit u . Heard sumone talk abt that last wk
But no one is supposed drive on own on provisional licence without qualified driver with them or is that not the case.that is the case but i think wit so many young ppl driving there trying to crack down on it now after a few fatal crashes
I would presume if you have an accident driving like that you are not covered and immediately at fault though.Course ur not insured anyway . If u are caught gaurds will take the car of u simple"
Really I've never heard of that. Proper order though. |
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By (user no longer on site)
over a year ago
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"it's cumen in at 5000 fuck me jeez thats scandalous it really doesnt give any first time drivers a chance to start off at all . How about going on a family members policy as a named driver hope it works out for ya crazy xthink if u do that and get caught by gaurds the person ur insured under may get in trouble if u havent a full driving person wit u . Heard sumone talk abt that last wk
But no one is supposed drive on own on provisional licence without qualified driver with them or is that not the case.that is the case but i think wit so many young ppl driving there trying to crack down on it now after a few fatal crashes
I would presume if you have an accident driving like that you are not covered and immediately at fault though.Course ur not insured anyway . If u are caught gaurds will take the car of u simple"
Insurers will still be obliged to pay the claim, certainly the third party element of it
Legal ramifications are a separate issue altogether |
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By (user no longer on site)
over a year ago
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"You really want to do all the work yourself...
Find a broker prices should be about the same as going direct... and if the broker cocks up you can Sue them...so get some legal expenses insurance... with a different company to the car insurer
Do it yourself and if it goes wrong you may find yourself uninsured...
A broker wont cover the online options such as its4women etc. They operate independent of brokers
Brokers don't cover anything... they just arrange the insurance. Don't know what the options are but both core cover and any options can be arranged by brokers who have access to wider market than any direct insurer...if they are any good!"
I mean cover as in checking the market...not underwriting the actual cover |
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By (user no longer on site)
over a year ago
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See an article in the independent today about concerns that some of the 11 Gibraltar insurance companies trading here have "a poor financial backing "
Check the insurance company your broker suggests. If it's registered in Gibraltar say no thanks.... |
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"Be careful of its4women. Very poor reputation for customer service quick to decline to cover for an accident UK based call centres and Gibraltar based underwriter. In other words dodgy as fuck "
Totally agree! So sorry I went with them, absolute disaster, definitely won't be back next year |
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By (user no longer on site)
over a year ago
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Can I put this bluntly without insulting car insurance brokers? No? Ah well here goes.
Car insurance companies don't give a flying fuck about you. They will skin you for every penny they can.
If you have a decent history you will get decent cheaper quotes from other companies which your existing company will without a hint of shame match. That's how nasty they are.
Equally brokers don't give a flying fuck either. They charge you a small fee for getting you insurance but the big money they make from insurance companies.
The dodgy insurance company needs to build market share. They do it by paying brokers to sell their business.
So if your broker said they have a great quote from some company you never heard of get nervous. Find out who the next highest quote is from because chances are you can get a real insurance policy from a company that might actually save you having to sell your house if you have an accident for 30 quid more. |
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By (user no longer on site)
over a year ago
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I was in a car crash. The person that crash into me was un insured
It now cost me tons on my policy and can't even go to a new insurer because once they heard of car crash they don't want to know about ya
Ffs the bloody un insured driver |
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By *vpamelaTV/TS
over a year ago
kinkville |
Read a news story today. Lady with crash history couldn't get a quote for less than €3500. Discovered she could hire a brand new Polo for under €50/wk = €2500/yr. So she didn't have to pay for car tax, depreciation, service, nct mechanical repairs etc and got to drive a new car. On top of that, the rental car company would valet the car for her during servicing. #no-brainer |
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By (user no longer on site)
over a year ago
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"Can I put this bluntly without insulting car insurance brokers? No? Ah well here goes.
Car insurance companies don't give a flying fuck about you. They will skin you for every penny they can.
If you have a decent history you will get decent cheaper quotes from other companies which your existing company will without a hint of shame match. That's how nasty they are.
Equally brokers don't give a flying fuck either. They charge you a small fee for getting you insurance but the big money they make from insurance companies.
The dodgy insurance company needs to build market share. They do it by paying brokers to sell their business.
So if your broker said they have a great quote from some company you never heard of get nervous. Find out who the next highest quote is from because chances are you can get a real insurance policy from a company that might actually save you having to sell your house if you have an accident for 30 quid more. "
Whats this 'big money' they receive from insurers you refer to? Brokers will receive on average 10% commission from insurers on each policy they sell. How exactly is that 'big money'? Do you expect them to do it out of the goodness of their hearts? As an addition to this, most insurers are starting to scale back commission they pay to brokers for personal lines products so this 'big money' you mention is getting smaller all the time |
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By *atr247Man
over a year ago
around |
Read an article today where a lady rents a car from enterprise full time she gets a new polo for around 50 a week on a long term week by week contract covers tyres service valet everything and there is no depreciation on cost of car either works out cheaper than paying for her own insurance !! |
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By (user no longer on site)
over a year ago
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The big money is the bonus they get from poorly rated insurers to bulk sell products. That's over and above the commission they get for selling a policy.
A broker typically only gives you one quote. Ask for the second and third best. If it's an unrated insurer chances are the second quote is a few euro more.
Now ask yourself. Why for the sake of 20 euro would a broker recommend a zenith or a setanta over Allianz? Simple. Because zenith pay him more |
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