Irish Taxi Forum
Public Area => Taxi Talk => Topic started by: dalymount on October 15, 2020, 12:56:44 pm
-
I see FN have teamed up with zego to offer yis cheaper insurance
-
They said the same with liberty about five years ago.I think I got 50 off for mentioning Freenow/Mytaxi but the quote was still about €800 higher than AXA.
-
I'll give it a go in February.I'm paying 4 grand through axa,with 2 years ncb.
I expect that my next quote will be about 3.5 to 3.7
-
I'll give it a go in February.I'm paying 4 grand through axa,with 2 years ncb.
I expect that my next quote will be about 3.5 to 3.7
jeez thats outrageous VD
-
I see you haven't left the business VD.What's the plan?Staying in for a bit more punishment?
-
I'm playing week by week.This week has started off ok.
I'll see how it goes.
I'm hoping last week was the low water mark.
-
Best of luck with it.
-
I'll give it a go in February.I'm paying 4 grand through axa,with 2 years ncb.
I expect that my next quote will be about 3.5 to 3.7
jeez thats outrageous VD
The lads that don't have 5 years private ncb starting off pay 10 grand or more.
-
I don't like the last line of the email.
Zego also offers you the flexibility to adjust your policy to Social, Domestic & Pleasure (SD&P) cover only should you need to and the ability to easily activate the full policy again when needed!
Sounds like rideshare or someone driving their Mammy's Corolla as a taxi at the weekend and reverting back to private insurance when college starts again on a Monday.
-
I got fully comp with zego for €2k with a 5 year private no claims bonus. Brian J Pierce only other quoting and that was a flat €5k. I lost my taxi no claims when I got out of game for a while.
-
I've filled in their form, someone to come back to me , renewal due on the 4th December, will probably use their figure to try and beat Axa down (assuming its cheaper).
Are they a reputable company ?
-
I'll deffo be changing next year....AXA have been consistently €2100 for the last few years....seems to be their base figure regardless of nearly 20yrs with them and no claims.
-
I'll deffo be changing next year....AXA have been consistently €2100 for the last few years....seems to be their base figure regardless of nearly 20yrs with them and no claims.
Yeah Hal I'm coming in around that also, I'd say with the Pox going on maybe we might get it a bit cheaper this year
-
I got mine in August €1700 with AXA
-
Im really getting sick of nurse maiding you fucktards .Look into how this company operates .Do you still have a No Claims Bonus in two years or are this crowd operating outside the normal Insurance protocol where earned NCB is transferable .The end game could be you lose your built up NCB and this crown double their premium and you have no option but to pay as your earned NCB has lapsed .LOOK BEFORE YOU LEAP .
-
I don't like the last line of the email.
Zego also offers you the flexibility to adjust your policy to Social, Domestic & Pleasure (SD&P) cover only should you need to and the ability to easily activate the full policy again when needed!
Sounds like rideshare or someone driving their Mammy's Corolla as a taxi at the weekend and reverting back to private insurance when college starts again on a Monday.
I've filled in their form, someone to come back to me , renewal due on the 4th December, will probably use their figure to try and beat Axa down (assuming its cheaper).
Are they a reputable company ?
Im really getting sick of nurse maiding you fucktards .Look into how this company operates .Do you still have a No Claims Bonus in two years or are this crowd operating outside the normal Insurance protocol where earned NCB is transferable .The end game could be you lose your built up NCB and this crown double their premium and you have no option but to pay as your earned NCB has lapsed .LOOK BEFORE YOU LEAP .
Hope I can answer some of these questions even in a limited way.
Don't know about reputable but they are a new player moving into 'platform' driver insurance (Freenow, Uber, Deliveroo, Just eat etc) and in the UK it does seem like you can switch on and off between private and commerical cover. I got no indication of that being available here but in fairness never asked. All I can say is that the policy builds my no claims, easy to deal with, no bullshit, arranged quickly and €3k cheaper than AXA.
They are just like these other financial companies with their modern apps and platforms or Ryanair. It does what it says on the tin. Like with Ryanair if you make changes they charge. I got the reg wrong, digits back to front, wanted €22 to amend it luckily my mistake was verbal but the documents sent and accepted had the correct details so got away with it.
They do seem to want to associate your cover with affiliation to a platform (app or dispatcher in the taxi sense) for data purposes. Part of the deal is that I download a zego app onto my phone that measures or records your driving style and patterns. However it isn't ready yet they will contact me when it is.
Can't remember if the Irish insurers covered parcel delivery as part of their policies because it never came up but I explicity asked was it covered with Zego and it is.
https://www.zego.com/ie/ (https://www.zego.com/ie/)
-
Let me tell you how they operate they track you and your driving style but they dont tell you that.They are not affiliated to the industry database so if you go with them for two years you lose your historical no claims bonus and are exposed to whatever charge they want to impose on you .Did your mammy not tell you there is no such thing as a free lunch COP THE FUCK ON .
-
LISTEN CAREFULLY YOU MUPPETS TO THE OPENING SENTENCE .http://www.youtube.com/watch?v=aJcYVns19kQ (http://www.youtube.com/watch?v=aJcYVns19kQ)
-
Let me tell you how they operate they track you and your driving style but they dont tell you that.They are not affiliated to the industry database so if you go with them for two years you lose your historical no claims bonus and are exposed to whatever charge they want to impose on you .Did your mammy not tell you there is no such thing as a free lunch COP THE FUCK ON .
"Industry database?" you mean Insurance Ireland? that is not a statutory body. it is a cartel. Zego as a insurance company or intermediary have to be monitored by the Central Bank to operate here and are regulated in the UK. If they issue a 'no claims discount' it is unlikely that it can be disregarded by native insurers otherwise it would construed as being uncompetitive and therefore illegal. Love to see that play out.
However, I concede that it doesn't mean that it won't make life hard for people down the line if and when the natives refuse to recognise the 'no claims discount' and the lag between the regulator (central bank) catching up.
As I said before everything depends on our own perspectives, horses for courses and all that. For me €3k saving I will take the chance considering I already lost my 'taxi' no claims. If it stays at €2k no big deal. How long would it take to get the AXA €5K quote down to the €2k Zego quote at 10% discountt per year. But if you are only paying €1500 to €2000 now for taxi insurance then maybe moving to save a few hundred isn't such a good idea until Zego settles in.
-
LISTEN CAREFULLY YOU MUPPETS TO THE OPENING SENTENCE .[url]http://www.youtube.com/watch?v=aJcYVns19kQ[/url] ([url]http://www.youtube.com/watch?v=aJcYVns19kQ[/url])
100% isn't the case here. They do mention it when you are getting a quote. They don't know who I am working with. Might be what they want and maybe it is happening in the UK. Maybe when I download the app but don't see how it is tied to an app or dispatcher cos I won't be with any. planning to do my own thing in Wexford in the new year.
-
Let me educate you a little I had a gig where I presented investment advice to brokers I am actually the Man who employs casual labour .I have more contacts than the Taoiseach .Look back to early March I told you about Covid long before Finnon Shehan or any other irish journalist its on this site I told you Paddys Day was canceled long before any other Publication I told you the marathon was cancelled before any other Irish journalist .I was at the presentation of this insurance company to investors in Ireland What im telling you is fact .They dont want to give you an option they want to mug you on a pay per job basis and make profit .Their game is the gig economy it would suit them as a body corporate to force regular taxi drivers out of the industry to be replaced by gig economy operatives they are disruptive operators just like air BnB who want to disrupt hotels this crowd want to disrupt the insurance industry for profit .The last time you came on here you were offering an app I gave you advise for FRee I hope I saved you coin Im now offering you some serious advise Look into this and dont be promoting what you dont understand .Zego has no affiliation to any Industry database it is a disrupter .Head my warning or perish by your own applied ignorance .
-
Zego seem to be targeting an insurance niche, delivery drivers, whether it's people, goods or food. They are offering insurance but in reality they are a platform that wants to deal in data. Which is a big commodity. The insurance is a just a method for obtaining the data.
Think about it, they can cross platforms, uber, deliveroo, just eat, freenow etc etc. Hundreds of thousands of drivers and all that data. I wouldn't be worrying about no claims discounts etc. Make sure you get details right otherwise they will 'Ryanair' you, fees for changes, amendments and paperwork.
Anyway thats what I think, we are just a commodity to them, Erm might be right, they are out to fuck us.... and if they aren't then insurance ireland and their members will try hard to do it.
-
Let me educate you a little I had a gig where I presented investment advice to brokers I am actually the Man who employs casual labour .I have more contacts than the Taoiseach .Look back to early March I told you about Covid long before Finnon Shehan or any other irish journalist its on this site I told you Paddys Day was canceled long before any other Publication I told you the marathon was cancelled before any other Irish journalist .I was at the presentation of this insurance company to investors in Ireland What im telling you is fact .They dont want to give you an option they want to mug you on a pay per job basis and make profit .Their game is the gig economy it would suit them as a body corporate to force regular taxi drivers out of the industry to be replaced by gig economy operatives they are disruptive operators just like air BnB who want to disrupt hotels this crowd want to disrupt the insurance industry for profit .The last time you came on here you were offering an app I gave you advise for FRee I hope I saved you coin Im now offering you some serious advise Look into this and dont be promoting what you dont understand .Zego has no affiliation to any Industry database it is a disrupter .Head my warning or perish by your own applied ignorance .
I don't think we are far apart to be honest. I agree that they are a disrupter, their entire target market including taxi drivers are their to be used. They are disrupting the insurance industry not ours, not saying it will work out good for us in long run, just like free now with their free bobo. But its all about data not fucking your no claims.
It is well recognised that the insurance cartel through Insurance Ireland won't share its database with new business. In fairness its a private organisation funded by its native insurane companies, the government should have a statutory database. Just like the Central Credit Register (The bastards). The Irish Credit Bureau was similar to Insurance Ireland in that it was owned and operated by the native Irish Banks.
i think the point you made was that the native insurers wouldn't recognise Zego's taxi no claims discount certificates and therefore invalidate the preceding irish no claims discounts held by taxi drivers. As I said that is unlikely to happen as Zego is monitored by the Irish Central Banks for rules etc and is registered by regulators in the UK. If they didn't recognise them it would cause a shitstorm.
-
The last time you came on here you were offering an app I gave you advise for FRee I hope I saved you coin Im now offering you some serious advise Look into this and dont be promoting what you dont understand .Zego has no affiliation to any Industry database it is a disrupter .Head my warning or perish by your own applied ignorance .
Eh... the last time I came on here? I have been reading and posting on this forum almost back to the start and definitely after Roy shut down. Just because I don't vomit a million posts a day!
Anyway you mightn't know it but I read a lot of your very long posts. I agree with some of them. I take all well intentioned advice on board. You didn't save me any coin because I had none to spend. I still think the app would work but unfortunately I don't have the means to even bump start it and I think it would be hard for it to succeed, not for the reasons that you espoused at the time but because of the nature of the business, the amount of noise out there, it is too hard for any one to focus when they are working hard to make a living each day. Too many pretenders have spoiled the broth and left a bad taste. Hard to deliver a message of authenticity. it is a pity because drivers deserve a break if only they would look up.
I was at the presentation of this insurance company to investors in Ireland
As for investing in Zego I wish I had known about it because I would have tried to lump a few quid in to it.
Great idea and it has a good chance of going to an IPO if it is done right.
-
Taxi Fair --Luke is the guy, I saved a monkey ,500, on AXA renewal of 2250 !
-
Unless you drive like a pensioner all the time the insurance companies who install monitoring devices on your car have you by the short and curlies.
3 months in and you'll get a call from them saying your driving is substandard and you drive too fast and we are jacking up/cancelling your policy.
They do it to the L drivers already.
-
Are you comparing like with like .Do they provide poke for the rental of a replacement vehicle if your off the road from a crash or income support if your in a crash .
-
What taxi insurance company provide income support if you're in a crash John?
I'd just take the cheapest insurance anyway.I never use it except to pass me taxi out.Waste of money really..
-
What taxi insurance company provide income support if you're in a crash John?
I'd just take the cheapest insurance anyway.I never use it except to pass me taxi out.Waste of money really..
I can claim 90 yoyo a day for loss of earnings or to rent a replacement for I think its 10 days but I pay extra for that .I also insure my NCB and my quote is under 2K
-
Is that not just fully comp John?In the event of a claim against another insurer your company pay you then they recoup it off the other party.
-
Is that not just fully comp John?In the event of a claim against another insurer your company pay you then they recoup it off the other party.
Not sure I thought it was an extra ?
-
I think income protection is a different policy altogether John.Someone will know for deffo.
-
I think income protection is a different policy altogether John.Someone will know for deffo.
I had one years ago with a bank loan .If I was hospitalized for two nights in a calendar month they would pay my loan .I was hospitalized filled in the form and posted it off .They refused to pay as they said what I suffered from was genetic (soft Pallet led to sleep aponea ) so when I filled in the form saying I was healthy I made a false declaration .Now is where it gets good I contacted them and they told me they could not talk to me about the policy as I was not the beneficiary the bank were .
-
NPHET recommending entire country level 5 for 6 weeks.
Sent from my T770H using Tapatalk
-
NPHET recommending entire country level 5 for 6 weeks.
Sent from my T770H using Tapatalk
Cant see it Jonno .It would be Political Suicide for Dr Leo questions would be asked why he didnt go for it two weeks ago .I bet he is sorry he went on telly exercising his big mouth now .
-
NPHET recommending entire country level 5 for 6 weeks.
Sent from my T770H using Tapatalk
Cant see it Jonno .It would be Political Suicide for Dr Leo questions would be asked why he didnt go for it two weeks ago .I bet he is sorry he went on telly exercising his big mouth now .
I'd imagine if meehawl tells Houlohan to fuck off this time there'll be pistols at dawn, but this time it'll be in public
Sent from my T770H using Tapatalk
-
NPHET recommending entire country level 5 for 6 weeks.
Sent from my T770H using Tapatalk
Cant see it Jonno .It would be Political Suicide for Dr Leo questions would be asked why he didnt go for it two weeks ago .I bet he is sorry he went on telly exercising his big mouth now .
I'd imagine if meehawl tells Houlohan to fuck off this time there'll be pistols at dawn, but this time it'll be in public
Sent from my T770H using Tapatalk
Macroom Mick will be self isolating after he returns from Europe .Leo ownes this mess Remember it was him that called out Houlahan on the Telly .Thats why I cant see level 5 total closedown but a Bastardised Level four leaving Construction and warehousing and transport up and running but Barbers .Hairdressers ,Pubs ,Hotels any where that there is face to face business taking place with the exception of food shops and builders providers getting closed down .
-
NPHET recommending entire country level 5 for 6 weeks.
Sent from my T770H using Tapatalk
Cant see it Jonno .It would be Political Suicide for Dr Leo questions would be asked why he didnt go for it two weeks ago .I bet he is sorry he went on telly exercising his big mouth now .
I'd imagine if meehawl tells Houlohan to fuck off this time there'll be pistols at dawn, but this time it'll be in public
Sent from my T770H using Tapatalk
Macroom Mick will be self isolating after he returns from Europe .Leo ownes this mess Remember it was him that called out Houlahan on the Telly .Thats why I cant see level 5 total closedown but a Bastardised Level four leaving Construction and warehousing and transport up and running but Barbers .Hairdressers ,Pubs ,Hotels any where that there is face to face business taking place with the exception of food shops and builders providers getting closed down .
I agree they won't close everything down. We'll be in the jaws of Christmas by the time 6 weeks passes. The boys with the bulldozers will be at Smyths toys in mid November.
Sent from my T770H using Tapatalk
-
Its sort of Scarey where this is going Damed if we do damned if we dont .
-
Its sort of Scarey where this is going Damed if we do damned if we dont .
It'll probably be cyclical till they get a vaccine. Some variation of lockdown for a few weeks, everyone be a good boy and girl, out on parole, re offend and back round again
Sent from my T770H using Tapatalk
-
Its sort of Scarey where this is going Damed if we do damned if we dont .
It'll probably be cyclical till they get a vaccine. Some variation of lockdown for a few weeks, everyone be a good boy and girl, out on parole, re offend and back round again
Sent from my T770H using Tapatalk
Meehauls consort positioning himself to throw Houlohan under the bus. Again. (https://uploads.tapatalk-cdn.com/20201016/a2c87be86394c9099b36a92b04da9a4e.jpg)
Sent from my T770H using Tapatalk
-
Varadkar can hide behind Cabinet 'collective responsibilty' and say he was overruled & that's democracy folks! Anyways, Martin said he'd give it 'careful consideration' which is code for 'not a fukking chance'. So maybe Vlad and Martin are not too far apart on this issue?
-
If Dr. Leo was still in charge we'd still be getting 3 and a half a week puppy dole. Dr. Leo was great so he was.
-
If Dr. Leo was still in charge we'd still be getting 3 and a half a week puppy dole. Dr. Leo was great so he was.
Rodent can I ask how great is Dr Leo compared tp Donal Hannigan from the Flats who could drink a whole Flagon of Woodpecker Cider in one go or Lilly Nolan from the Gaffs behind the flats who could carry two bales of briquets home from the Shop near the flats to the flats when she was only three years old .
-
If Dr. Leo was still in charge we'd still be getting 3 and a half a week puppy dole. Dr. Leo was great so he was.
Rodent can I ask how great is Dr Leo compared tp Donal Hannigan from the Flats who could drink a whole Flagon of Woodpecker Cider in one go or Lilly Nolan from the Gaffs behind the flats who could carry two bales of briquets home from the Shop near the flats to the flats when she was only three years old .
He orobably sucks cock better than Donal and Lilly!!
-
Looks like a big brother monitoring system.... see number 5. The price is decided by braking and the way you drive. Does that make bonus irrelevant?
https://www.google.com/search?client=firefox-b-d&q=zego+sense+app]
[url]https://www.google.com/search?client=firefox-b-d&q=zego+sense+app (http://[url)[/url]
Sense Policies FAQs
What is Sense?
“Sense is the technology that powers our fairer Private Hire policies.
It is built into the Zego Sense app already. All you have to do to activate it is install our app, log-in once, and start driving. There is no need to check-in every time you’re out on the road - just ‘set and forget’.
As you’re out on the road, the app will work in the background, sensing your driving over time, and use this to provide you with driver feedback. This will give good drivers like you an indication that you’re on course for an even fairer price at renewal, while it will give bad drivers an indication that they may see an increase.
When it eventually comes to your renewal, we will use your driver feedback as a factor to give you the fairest price, based specifically on your good driving.”
Which data does Sense App collect?
Once you have given your permission, Sense will be activated immediately and will work away in the background as you’re out on the road, sensing how you drive over time.
Sense will pick up...
Your location, so we can understand things like how much you drive, how far you drive, which areas you drive in, and how quickly you go.
Gyroscopic data, which basically gives us a sense of how you accelerate, decelerate, and take corners.
These are the only pieces of data Sense can access. It cannot and will not access any other apps or documents, such as your emails, contacts, photos, banking information, health information, or social media for example. It will also not penalise you for using other apps on your phone as you drive, such as work provider apps.
Who has access to my driving data?
Other than Zego, only our app partner, Drivit, has access to your driving data.
Our underwriter, Wakam can view any changes to your price, but they do not have access to your driving data like we do.
No other third party has access to any of the information collected by the Zego Sense app, including work providers.
What is my data used for?
Once you’re insured with Zego and you’re out on the road, our app senses how you drive over time. This helps you show us your good driving skills, and so also how little risk you pose.
By using Sense and working with us, you can help us to get you a much fairer price for you at renewal, based more specifically on your good driving - not somebody else’s bad driving.
Which driving behaviours can negatively impact my price at renewal?
The driving behaviours that can negatively impact a bad driver’s price at renewal include...
Harsh braking,
Aggressive acceleration,
Sharp cornering, and
Excessive speed.
However, we should stress that our app senses your driving over time. This allows us to build up a clear picture of your driving, not just over one moment or even one day, but over the full length of your policy with us.
-
Poor auld Dr Leo.he's taking it right up the ass from you lot.
-
Looks like a big brother monitoring system.... see number 5. The price is decided by braking and the way you drive. Does that make bonus irrelevant?
[url]https://www.google.com/search?client=firefox-b-d&q=zego+sense+app]https://www.google.com/search?client=firefox-b-d&q=zego+sense+app]
[url]https://www.google.com/search?client=firefox-b-d&q=zego+sense+app (http://[url=https://www.google.com/search?client=firefox-b-d&q=zego+sense+app)[/url]
Sense Policies FAQs
What is Sense?
“Sense is the technology that powers our fairer Private Hire policies.
It is built into the Zego Sense app already. All you have to do to activate it is install our app, log-in once, and start driving. There is no need to check-in every time you’re out on the road - just ‘set and forget’.
As you’re out on the road, the app will work in the background, sensing your driving over time, and use this to provide you with driver feedback. This will give good drivers like you an indication that you’re on course for an even fairer price at renewal, while it will give bad drivers an indication that they may see an increase.
When it eventually comes to your renewal, we will use your driver feedback as a factor to give you the fairest price, based specifically on your good driving.”
Which data does Sense App collect?
Once you have given your permission, Sense will be activated immediately and will work away in the background as you’re out on the road, sensing how you drive over time.
Sense will pick up...
Your location, so we can understand things like how much you drive, how far you drive, which areas you drive in, and how quickly you go.
Gyroscopic data, which basically gives us a sense of how you accelerate, decelerate, and take corners.
These are the only pieces of data Sense can access. It cannot and will not access any other apps or documents, such as your emails, contacts, photos, banking information, health information, or social media for example. It will also not penalise you for using other apps on your phone as you drive, such as work provider apps.
Who has access to my driving data?
Other than Zego, only our app partner, Drivit, has access to your driving data.
Our underwriter, Wakam can view any changes to your price, but they do not have access to your driving data like we do.
No other third party has access to any of the information collected by the Zego Sense app, including work providers.
What is my data used for?
Once you’re insured with Zego and you’re out on the road, our app senses how you drive over time. This helps you show us your good driving skills, and so also how little risk you pose.
By using Sense and working with us, you can help us to get you a much fairer price for you at renewal, based more specifically on your good driving - not somebody else’s bad driving.
Which driving behaviours can negatively impact my price at renewal?
The driving behaviours that can negatively impact a bad driver’s price at renewal include...
Harsh braking,
Aggressive acceleration,
Sharp cornering, and
Excessive speed.
However, we should stress that our app senses your driving over time. This allows us to build up a clear picture of your driving, not just over one moment or even one day, but over the full length of your policy with us.
I SORT OF TOLD YOU THAT .Look into how this company operates .Do you still have a No Claims Bonus in two years or are this crowd operating outside the normal Insurance protocol where earned NCB is transferable .The end game could be you lose your built up NCB and this crown double their premium and you have no option but to pay as your earned NCB has lapsed .LOOK BEFORE YOU LEAP .
-
Harsh braking,
Aggressive acceleration,
Sharp cornering, and
Excessive speed.
I'm out!! lol