Irish Taxi Forum
Public Area => Taxi Talk => Topic started by: Taxi driver42 on January 19, 2024, 08:48:27 pm
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Is it worth the extra 500
Don't know but if u loose ncb how much is insurance?
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That has been trashed out on here before, the long and short is that the NCB protection is worth nothing, if you have an incident and a claim then your policy still goes up but your NCB is still protected.
I packed up paying NCB protection about 5 years back, Step-Back is another scam they use.
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No so?
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I tend to agree with Ken. I know of a few taximen who got very expensive shocks as what they call "loading" negated any perceived benefit of NCD protection. They don't disclose how loading is calculated as it's done on a "case by case basis" but it certainly seems to be adjusted to eliminate any NCD protection benefit that may otherwise have applied.
That said, I still pay it putting it down to prudence rather than lunacy. I just renewed with FBD via Taxifair and was charged €148.46 for NCD protection, total premium €1,437.20 (including Government levy and Insurance Compensation Fund of 5% which equates to €68.44) + €65 broker fee.
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I tend to agree with Ken. I know of a few taximen who got very expensive shocks as what they call "loading" negated any perceived benefit of NCD protection. They don't disclose how loading is calculated as it's done on a "case by case basis" but it certainly seems to be adjusted to eliminate any NCD protection benefit that may otherwise have applied.
That said, I still pay it putting it down to prudence rather than lunacy. I just renewed with FBD via Taxifair and was charged €148.46 for NCD protection, total premium €1,437.20 (including Government levy and Insurance Compensation Fund of 5% which equates to €68.44) + €65 broker fee.
Did you get it on the drip?
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I did. That cost an extra €75.44... 8 x €189.08.
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I did. That cost an extra €75.44... 8 x €189.08.
Mine is up in March, and this is the time of year when I should be switching everything from insurance to electricity, to gas.
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I didn't shop around or negotiate at all, SB... just paid what they asked for... which I can only put down to lack of interest/enthusiasm. But then again, would you ask a barman or a taxi driver for a discount... I wouldn't.
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I didn't shop around or negotiate at all, SB... just paid what they asked for... which I can only put down to lack of interest/enthusiasm. But then again, would you ask a barman or a taxi driver for a discount... I wouldn't.
The joy I used to get telling the f**kers where to go.
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... and, presumably, how to get there in the case of an immigrant taxi driver!
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... and, presumably, how to get there in the case of an immigrant taxi driver!
Nah, down at the informal rank outside McGowans, drunk GardaI, Teachers, jailers.
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Rat--hard to beat Taxi-Fair who focus on FBD--50% in by 20th following month and balance in 30 days--job done !
Prices been cheapest for me last 4 years !
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Yeah I just jumped over to taxifair six months ago.Nice lads to deal with and they didn't try to gouge me for the bonus protection like AXA do.Thr only reason I stayed with AXA before was the age of my vehicle.
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I didn't shop around or negotiate at all, SB... just paid what they asked for... which I can only put down to lack of interest/enthusiasm. But then again, would you ask a barman or a taxi driver for a discount... I wouldn't.
I was in a taxi other night African guy the fare was 720
I gave him 8
He replied no tip no?
I said I don't know anything about horses
Fucker asking for a tip?
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I didn't shop around or negotiate at all, SB... just paid what they asked for... which I can only put down to lack of interest/enthusiasm. But then again, would you ask a barman or a taxi driver for a discount... I wouldn't.
I didn't even have to ask them to take money off, I just rang them and they took 250 off without me even asking.
it had gone up 250 euro from 2022.
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I didn't shop around or negotiate at all, SB... just paid what they asked for... which I can only put down to lack of interest/enthusiasm. But then again, would you ask a barman or a taxi driver for a discount... I wouldn't.
I was in a taxi other night African guy the fare was 720
I gave him 8
He replied no tip no?
I said I don't know anything about horses
Fucker asking for a tip?
Did you take the 80 cent back? or did he want more than a 80 cent tip?
its rare a taxi driver doesn't give another taxi driver at least a 5 euro tip.
I gave a sound Barcelona taxi driver a 15 euro tip, the fare was 15 euro, fuck it, its only money.
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No I didn't tip him he got 80 cent
Normally I tip but he had attitude said should have sat in back and I looked drunk before I even told him where I going
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Rat--hard to beat Taxi-Fair who focus on FBD--50% in by 20th following month and balance in 30 days--job done !
Prices been cheapest for me last 4 years !
Yeah I kinda concluded that shopping around would be a futile exercise. Last year (or the year before, can't remember!) BJP didn't even bother quoting once I said I was with Taxifair.
One work of caution with Taxifair though. The quote they sent me clearly states that my policy will renew automatically unless I advise them otherwise. One of the lads phoned me on the day before renewal to confirm that I still wanted it and to collect the brokerage fee. He suggested it doesn't auto-renew and would have expired had we not spoken... so don't rely on the automation process.
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i was in the taxi fare office renewing my setup with a chap.
there was a broker at the other table talking to some yoke on the blower.
"OK, what's your PSV driver number. No...that's the taxi number. What's your PSV driver number. No...that's your PPSI number. What's your PSV driver number. No...that's your date of birth ye cuntcha."
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No so?
If it's under a Deuce I would take it just fer a birra piece of mind, but fer a Monkee or anything over a Deuce, I wouldn't be bothered, most likely it means nothing anyway.
Say you pay 2k fer insurance which includes a Monkee fer NCB protection and have an incident and a claim against you and the year after your premium goes up to 5k and you ring them.
The conversation goes like this;
"Why is my quote 5k ? I have NCB protection",
"Yes Sir, your NCB is still intact",
"So why is my premium gone up so much ?",
"Because you had a claim and the premium was loaded",
"But I had protected NCB ??",
"Yes, Sir and you still have",
"But why so does my premium go up ?",
"Because you had a claim".
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Ye sounds about right
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No I didn't tip him he got 80 cent
Normally I tip but he had attitude said should have sat in back and I looked drunk before I even told him where I going
Ok, I get ya. was the same in Spain, I got a taxi, he was on the phone throughout the trip, he wasn't very friendly and he wouldn't let me sit in the front, so he only got a rounded up tip, 60 cent or something, if he let me sit in the front and wasn't on the phone the whole journey, he would have got a good tip.
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No so?
If it's under a Deuce I would take it just fer a birra piece of mind, but fer a Monkee or anything over a Deuce, I wouldn't be bothered, most likely it means nothing anyway.
Say you pay 2k fer insurance which includes a Monkee fer NCB protection and have an incident and a claim against you and the year after your premium goes up to 5k and you ring them.
The conversation goes like this;
"Why is my quote 5k ? I have NCB protection",
"Yes Sir, your NCB is still intact",
"So why is my premium gone up so much ?",
"Because you had a claim and the premium was loaded",
"But I had protected NCB ??",
"Yes, Sir and you still have",
"But why so does my premium go up ?",
"Because you had a claim".
Did you ever hear the one that if you have a no fault car accident, your insurance might go up, because they think if you have a no fault car accident, then you are now a higher risk of having an at fault car accident. :-[
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Ok, I get ya. was the same in Spain, I got a taxi, he was on the phone throughout the trip, he wasn't very friendly and he wouldn't let me sit in the front, so he only got a rounded up tip, 60 cent or something, if he let me sit in the front and wasn't on the phone the whole journey, he would have got a good tip.
I can't condone the phone but, in fairness, if I get 2 passengers, I generally shut up and drive. If they want entertainment, they can talk to themselves!
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Ok, I get ya. was the same in Spain, I got a taxi, he was on the phone throughout the trip, he wasn't very friendly and he wouldn't let me sit in the front, so he only got a rounded up tip, 60 cent or something, if he let me sit in the front and wasn't on the phone the whole journey, he would have got a good tip.
I can't condone the phone but, in fairness, if I get 2 passengers, I generally shut up and drive. If they want entertainment, they can talk to themselves!
I was on my own. :'(
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...... Did you ever hear the one that if you have a no fault car accident, your insurance might go up, because they think if you have a no fault car accident, then you are now a higher risk of having an at fault car accident. :-[
A colleague of mine had a small incident and reported it to his insurance company, the incident was settled amicabaly without insurance company being involved, his next premium still went up and when he questioned it he was told it went up because an investigation had been opened on what he reprted !!
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So say fook all Ken is that what you're saying?
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So say fook all Ken is that what you're saying?
That depends, if the matter warrants the insurance company to be involved and you didn't report it then it's not in your favour but if no insurance involvement is required then defo best to keep stum.
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That's what I was thinking. If someone slams into me I'd give them the option of leaving the insurance companies out of it and pay for any damage themselves.
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I did it myself at least 3 times, once where I hit a stationary car in my own car park and twice where minor damage was done to my own car. I got my own panel beater mate to do it each time fer a no invoice cash job. Luckily all 3 were decent citizens.
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I was hit from behind last Monday as it goes. Not a lot of damage but the TP wasn't freely admitting liability so I went through the motions of reporting it. In fact, my insurance was up for renewal the following Sunday. When I contacted my insurer (FBD) the gentleman advised that it was clearly a "not to blame" on my part and would have no effect on my quote. He also advised me to contact the TPs insurer myself to expedite the claims process. When I called Allianz the lady advised that they already had notification of the incident and all she needed was my name, address, phone number, reg number to arrange an estimate from one of their approved workshops. No claim form or detailed description of what happened has been requested as yet so I assume it's uncontested.
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Sounds good. Too good, in fact ::fds Maybe better to find out the statute of limitations on claims before you let out that sign of relief?
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Can't see a claim on the TPs part going anywhere, it was probably as straightforward as an accident can be and I suspect Allianz told her as much. I kept the dashcam footage anyway. At the risk of sounding sexist, it can take the fairer sex a while to accept they're wrong regardless of how obvious that may be.
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I was hit from behind last Monday as it goes. Not a lot of damage but the TP wasn't freely admitting liability so I went through the motions of reporting it. In fact, my insurance was up for renewal the following Sunday. When I contacted my insurer (FBD) the gentleman advised that it was clearly a "not to blame" on my part and would have no effect on my quote. He also advised me to contact the TPs insurer myself to expedite the claims process. When I called Allianz the lady advised that they already had notification of the incident and all she needed was my name, address, phone number, reg number to arrange an estimate from one of their approved workshops. No claim form or detailed description of what happened has been requested as yet so I assume it's uncontested.
Never admit liability at the scene, that's what claims adjusters are for.
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What does TP stand for? Toss pot?
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What does TP stand for? Toss pot?
Third Party.
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Oh right. Just if someone rear ended me I'd probably be calling them a toss pot. Cheers bullets.
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"That Prick"
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Good one wats. Anyone else come up with a derogatory term using TP? Thick plank is another one.
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I was hit from behind last Monday as it goes. Not a lot of damage but the TP wasn't freely admitting liability so I went through the motions of reporting it. In fact, my insurance was up for renewal the following Sunday. When I contacted my insurer (FBD) the gentleman advised that it was clearly a "not to blame" on my part and would have no effect on my quote. He also advised me to contact the TPs insurer myself to expedite the claims process. When I called Allianz the lady advised that they already had notification of the incident and all she needed was my name, address, phone number, reg number to arrange an estimate from one of their approved workshops. No claim form or detailed description of what happened has been requested as yet so I assume it's uncontested.
You are entitled to the full cost of the estimate + whatever you add on fer loss of earnings while car in fer repair. As in you get paid the full estimate but you can have it done by a local panel beater fer a fraction of what a main dealer might charge and trouser the difference.
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Good one wats. Anyone else come up with a derogatory term using TP? Thick plank is another one.
Testicle Plucker
You are entitled to the full cost of the estimate + whatever you add on fer loss of earnings while car in fer repair. As in you get paid the full estimate but you can have it done by a local panel beater fer a fraction of what a main dealer might charge and trouser the difference.
A non-taxi friend of mine just 'scratched' her car along a wall & needs a new bumper and side panel, I believe. She was half-thinking the same thing but the insurance company were pushing the official garage repair and said if she went down the 'indie garage' route, the paperwork & payment would take forever. So she went the official garage route and is getting a courtesy car for a few days while the repairs take place. Little or no paperwork.
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Good one wats. Anyone else come up with a derogatory term using TP? Thick plank is another one.
Testicle Plucker
You are entitled to the full cost of the estimate + whatever you add on fer loss of earnings while car in fer repair. As in you get paid the full estimate but you can have it done by a local panel beater fer a fraction of what a main dealer might charge and trouser the difference.
rofl
Terrible pox
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Thick plonker
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A Total Penis
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Oh right. Just if someone rear ended me I'd probably be calling them a toss pot. Cheers bullets.
lol rofl
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'Tato Plucker.
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Prickhead Tosser (dyslexic driver :P )
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That ponce
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You are entitled to the full cost of the estimate + whatever you add on fer loss of earnings while car in fer repair. As in you get paid the full estimate but you can have it done by a local panel beater fer a fraction of what a main dealer might charge and trouser the difference.
A non-taxi friend of mine just 'scratched' her car along a wall & needs a new bumper and side panel, I believe. She was half-thinking the same thing but the insurance company were pushing the official garage repair and said if she went down the 'indie garage' route, the paperwork & payment would take forever. So she went the official garage route and is getting a courtesy car for a few days while the repairs take place. Little or no paperwork.
That is a different scenario to the one I responded to.
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You are entitled to the full cost of the estimate + whatever you add on fer loss of earnings while car in fer repair. As in you get paid the full estimate but you can have it done by a local panel beater fer a fraction of what a main dealer might charge and trouser the difference.
A non-taxi friend of mine just 'scratched' her car along a wall & needs a new bumper and side panel, I believe. She was half-thinking the same thing but the insurance company were pushing the official garage repair and said if she went down the 'indie garage' route, the paperwork & payment would take forever. So she went the official garage route and is getting a courtesy car for a few days while the repairs take place. Little or no paperwork.
That is a different scenario to the one I responded to.
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Tyrannical psychopath.
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You are entitled to the full cost of the estimate + whatever you add on fer loss of earnings while car in fer repair. As in you get paid the full estimate but you can have it done by a local panel beater fer a fraction of what a main dealer might charge and trouser the difference.
A non-taxi friend of mine just 'scratched' her car along a wall & needs a new bumper and side panel, I believe. She was half-thinking the same thing but the insurance company were pushing the official garage repair and said if she went down the 'indie garage' route, the paperwork & payment would take forever. So she went the official garage route and is getting a courtesy car for a few days while the repairs take place. Little or no paperwork.
That is a different scenario to the one I responded to.
Rats was just asked fer an estimate to finalise the claim because a TP was involved which is different to your non taxi friend.
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I did know that, Ken. To be honest I can't be arsed, I'll just let Allianz deal directly with the approved repairer - who called me this morning to confirm that they had the go-ahead from Allianz, I didn't even ask what the estimate was! As it happens it's the same firm that put my MKII Octy back together after it was written off 6 or 7 years ago, jaysus me memory is properly fucked. Anywaysanall, on that occasion the (uninsured drivers fund appointed) insurance firm paid the value of the car less the highest scrap yard offer and I paid cash, finishing a grand or two ahead of the game with some second hand or spurious panels used in place of main stealer ones. That car came back as good as new... and it still is... with nearly 400,000 kilos on the clock!