Irish Taxi Forum

Public Area => Taxi Talk => Topic started by: Dr. Martin Gooter Bling on April 09, 2018, 02:04:53 pm

Title: Insurance shafting
Post by: Dr. Martin Gooter Bling on April 09, 2018, 02:04:53 pm
you'd think driving was a privilege instead of a right or something.
https://www.breakingnews.ie/ireland/motorists-shock-at-15000-rise-in-insurance-cover-to-over-19000-836432.html (https://www.breakingnews.ie/ireland/motorists-shock-at-15000-rise-in-insurance-cover-to-over-19000-836432.html)
Title: Re: wolly
Post by: watty on April 09, 2018, 06:05:02 pm
The article says he's a publican.  Sure, he can just get a local area taxi licence for a few hundred euro and get cheap(er) taxi insurance with it?

Or, assuming he's married, make the wife the main driver and put him on as a second driver?
Title: Re: wolly
Post by: silverbullet on April 09, 2018, 08:31:32 pm
you'd think driving was a privilege instead of a right or something.
https://www.breakingnews.ie/ireland/motorists-shock-at-15000-rise-in-insurance-cover-to-over-19000-836432.html (https://www.breakingnews.ie/ireland/motorists-shock-at-15000-rise-in-insurance-cover-to-over-19000-836432.html)
Ask him for the name of the compo claimants. I'd say they're up for an Oscar this year.
Title: Re: wolly
Post by: Dr. Martin Gooter Bling on April 09, 2018, 09:44:17 pm
how do you go in to the back of someone unless you were driving too close to them.
at least half a dozen times over the weekend i was blasted off the road by cunt taxi drivers when slowing down for a hail.
Title: Re: wolly
Post by: Cool Boola on April 09, 2018, 10:05:16 pm
That was me...ya uckin slimey snail.
Title: Re: wolly
Post by: Cool Boola on April 09, 2018, 10:09:20 pm
Joking of course.  He! He!
Title: Re: wolly
Post by: Dr. Martin Gooter Bling on April 09, 2018, 10:12:20 pm
do ye know the aufla with the beard in the silver mercedes.
his pastime is driving abnormally slow and antagonising other drivers.
Title: Re: wolly
Post by: Cool Boola on April 09, 2018, 10:20:22 pm
I think he us permanently stuck on Bray promenade doing a loop 
Title: Insurance shafting
Post by: john m on April 10, 2018, 01:11:57 pm
Louise Walsh

April 10 2018 7:55 AM

 
A motorist was shocked when his annual motor insurance renewal quote rocketed to an incredible €19,000.

Meath publican Brian Kelly (48) rang Liberty Insurance to point out what he thought was an administrative error.

However, the company told him the policy price of €19,368.26 for his 2007 1.6-litre Toyota Avensis was correct.

The increase was more than €15,000 extra on his insurance costs for last year, and over €18,500 more than his 2016 insurance policy of €800.

Mr Kelly, who is a director of the suicide awareness voluntary group Save Our Sons and Daughters (SOSAD) was left scratching his head when Liberty told him that the huge premium was because of two outstanding claims against him.

"I'm in shock. Sure, who could afford to pay €19,000 for car insurance? You'd buy a new car for that," he said.

"I'm with Liberty Insurance 17 years and had nine years of a no-claims bonus intact.

Claims

"I've had two tips since Christmas 2016 on two separate occasions in Navan and Slane.

"I wasn't going at speed when I hit both from behind. I got out of the car and swapped insurance details. There seemed to be very little damage, if any, to the vehicles and the drivers got out and seemed fine. In one of the incidents, there was even a garda driving behind us who stopped for a few minutes but left us to sort everything out.

"When I heard there were two personal injuries claims against me pending, I was both gobsmacked and devastated."

advertisement

Mr Kelly now has a month to seek new insurance cover but does not think that anyone else will insure him because of the incidents.

"I can't afford to pay €19,000, but I need my car," he added.

"I've been a director of SOSAD since 2009 and do a lot of fundraising. What am I going to do now? To be quoted €19,000 is ludicrous in itself. I know after the first incident in 2016, the premium went from €800 to €4,000 and I paid it.

"But this jump is completely out of the ballpark."

Mr Kelly has contacted the Financial Services Ombudsman to make a complaint.

"I hold up my hands to the accidents, but I just can't understand how a quote of over €19,000 can be justified.

"I believe that the claim culture in this country will literally drive us all off the roads and has to be looked at," he added.

Liberty Insurance did not respond to a request for comment.
Title: Re: wolly
Post by: Rat Catcher on April 10, 2018, 01:29:46 pm
You (ought to) become oblivious to idiots on the road. I've even had taximen get irate behind me when I've been driving at the maximum permissible speed, even in 50 kilo/hour zones. I caught up with one at a traffic light a while back, beckoned him to roll down his window and told him that his headlights seemed to be faulty. Wha? say he, they keep flashing, says I to which he sheepishly suggested that he'd check them after dropping his fare.
Title: Re: Insurance shafting
Post by: Cool Boola on April 10, 2018, 02:00:06 pm
I think the smallest smack that's claimed will cost big bucks on renewal...I did a u turn at Babilon on Camden Street on Thurs...Car not looking hit the corner and scraped the paint off...Took a cash deal as he probably had no insurance.
Title: Re: Insurance shafting
Post by: mercenary for hire on April 10, 2018, 02:18:00 pm
Did you know that someone can claim off yer policy even after you've paid them cash.It doesn't matter if you've paid and got them to sign stuff.Mate works in an insurance legal dept told me this..
Title: Re: Insurance shafting
Post by: Rat Catcher on April 10, 2018, 02:20:03 pm
I think the Statute of Limitations is 3 years for personal injuries claims.
Title: Re: Insurance shafting
Post by: mercenary for hire on April 10, 2018, 02:21:42 pm
I'm hoping the bloke I bloke I crashed into last week will reasonable and take my cash.If not it's back on the bike for me.
Title: Re: Insurance shafting
Post by: john m on April 10, 2018, 02:36:16 pm
I spoke to the Rodent about this but did not post it as the person is appealing . .Driver is pulled in dropping a fare .A girl on a bike not paying attention suddenly notices he is stopped jams on her bicycle brakes and falls off the bike no contact was made with the taxi .Girl takes a blow to her head ,Driver gets out to see if she is ok and rings an ambulance .It arrives with the Gards .Driver tells what happens and the Gards take note .So what has happened is a girl fell off her bike and a taxidriver rang for an ambulance .A few months later the taxi driver gets a quote for 17K he rings Quinn or whatever they are called now and they say they settled the claim .He said what claim they tell him. He then said you never contacted me .They say .As you failed to inform us that you had been in an accident we are not required to include you in the process .According to them he was in default of the T&C by not informing them of the accident .It seems Liberty prefer to settle and save on legal costs then impose increased premiums on the policy holder to recoup their bronze.
Title: Re: Insurance shafting
Post by: Rat Catcher on April 10, 2018, 02:47:10 pm
The most unusual thing about that was how quickly they settled.
Title: Re: Insurance shafting
Post by: Cool Boola on April 10, 2018, 02:47:28 pm
So its...one smack ...your out..now...very worrying for some.
Title: Re: Insurance shafting
Post by: Rat Catcher on April 10, 2018, 02:49:30 pm
Indeed. Don't be fooled into thinking that Insurance is... well... insurance. It's a worthless piece of paper sold for thousands of euros because it's legally required.
Title: Re: Insurance shafting
Post by: mercenary for hire on April 10, 2018, 03:00:23 pm
If I'm honest with meself it might be the kick up the arse I need to try something else.I knew when renewing not covering my NCB was a gamble.I don't like being dictated to by the insurance industry.Happy to do something else.It's easier to leave when there are other jobs out there.I really don't wanna upgrade the car to keep a job.
Title: Re: Insurance shafting
Post by: john m on April 10, 2018, 03:47:30 pm
Merc I think you said you were a Bike Rider .Have you ever considered getting or building a Trike and driving it around advertising .Its cheap enough to wrap a bike in Vinyl  There are a lot of new tourist venues like the whiskey place on Thomas Street or Teelings or restaurants or even shows and concerts that might be interested in such advertising .A Harley trike would only cost about the same as a good car .
Title: Re: Insurance shafting
Post by: mercenary for hire on April 10, 2018, 04:20:21 pm
I only need about 400 a week maybe less.I'll not starve.I've the money to pay the big hike if it comes but really wouldn't want to unless I planned on doubling my hours.In a way I'm lucky.I can go on the scratcher and scam a back to work scheme again...Be grand.
Title: Re: Insurance shafting
Post by: Cool Boola on April 10, 2018, 04:24:28 pm
You sound confident about it...so I'm sure you will be grand either way...
Title: Re: Insurance shafting
Post by: mercenary for hire on April 10, 2018, 04:30:38 pm
I'm bleeding loaded..It's only money.Taxi driving was only to get me through the recession.Test is easier now watch the ranks fill up again.I've a lot less debt now.As long as you have yer health everything else is just for show.
Title: Re: Insurance shafting
Post by: markmiwurdz on April 11, 2018, 12:23:31 pm
If yer man has 2 outstanding claims what the fuck did he think he was going to be charged?,always going to be huge.Surprised they even quoted him.
Title: Re: Insurance shafting
Post by: Belker on April 12, 2018, 02:25:57 pm
If yer man has 2 outstanding claims what the fuck did he think he was going to be charged?,always going to be huge.Surprised they even quoted him.

I was kinda thinking that too.
Title: Re: Insurance shafting
Post by: Rat Catcher on April 12, 2018, 05:12:44 pm
Your current insurer is obliged to quote. I wonder if he had NCD protection.
Title: Re: Insurance shafting
Post by: mercenary for hire on April 12, 2018, 06:08:24 pm
I paid up today (only 350 cash thankfully and a bottle of whiskey) but didn't notify my insurance in the event that it stops me shopping around next year.So my NCB protection was 600 which still puts me ahead by 250.

This time I was lucky but might not be if I hit the wrong person.Kinda leaning towards protecting the policy from now on.I was preparing myself for a change of job.
Title: Re: Insurance shafting
Post by: markmiwurdz on April 12, 2018, 06:30:58 pm
I paid up today (only 350 cash thankfully and a bottle of whiskey) but didn't notify my insurance in the event that it stops me shopping around next year.So my NCB protection was 600 which still puts me ahead by 250.

This time I was lucky but might not be if I hit the wrong person.Kinda leaning towards protecting the policy from now on.I was preparing myself for a change of job.

If you claim MFH,they get the money back off you in time,NCB protection or not.
Title: Re: Insurance shafting
Post by: Octavia1 on April 12, 2018, 07:01:22 pm
What is the safest procedure in a tip so????
Title: Re: Insurance shafting
Post by: mercenary for hire on April 12, 2018, 07:20:22 pm
If the chap I hit wasn't so sound he could easily have put in a whip lash claim and put his bumper damage through my insurance.The insurance would most likely pay out without any questions.Even though it was low speed.

Because I dropped the NCB protection my policy could bounce up to 7k from 1400.Dunno about yous but 7k means I'm walking(running)away from this job.

I know they eventually charge ya more to recoup any claim but it's the huge premium jump we can't afford to take when the NCB is gone.

I chose not to tell the insurance because it would have stopped me shopping around.Don't think it's illegal as they'll screw me anyway.

As for safest procedure....if you hit someone and you know you fukked up just admit it and don't annoy the other chap and offer cash.He joked if I was black and rude he would have not been so reasonable.Pays to be nice I suppose.
Title: Re: Insurance shafting
Post by: Octavia1 on April 12, 2018, 08:47:20 pm
If the chap I hit wasn't so sound he could easily have put in a whip lash claim and put his bumper damage through my insurance.The insurance would most likely pay out without any questions.Even though it was low speed.

Because I dropped the NCB protection my policy could bounce up to 7k from 1400.Dunno about yous but 7k means I'm walking(running)away from this job.

I know they eventually charge ya more to recoup any claim but it's the huge premium jump we can't afford to take when the NCB is gone.

I chose not to tell the insurance because it would have stopped me shopping around.Don't think it's illegal as they'll screw me anyway.

As for safest procedure....if you hit someone and you know you fukked up just admit it and don't annoy the other chap and offer cash.He joked if I was black and rude he would have not been so reasonable.Pays to be nice I suppose.
If sumone hit you mercenary an they fuked up you could say yea ya take cash an then they deny it later unless ya caught it in yer camara...... I suppose yud have read the person best ya can but nowadays there's alot dishonesty to say the least.....
Do ya get the cops and then agree to cash?  Seems safer but
Title: Re: Insurance shafting
Post by: mercenary for hire on April 12, 2018, 11:28:25 pm
Even if the cops arrive it means nothing.They could watch you hand over 10k and the other party could still claim off ya within three years.You just have to try and trust people.Not a solid strategy.
Title: Re: Insurance shafting
Post by: TheDevilHimself on April 12, 2018, 11:52:48 pm
Fair play to ya  Merc for being trusting and being so Zen about it.  I would have been trusting in a situation like that. But it never would even occurred to me to take cash off someone and still claim off their insurance..now  I don't think I'd be quite so trusting!
Title: Re: Insurance shafting
Post by: mercenary for hire on April 13, 2018, 09:40:08 am
I suppose the only good news is not many would know about the 3 year thing.
Title: Re: Insurance shafting
Post by: john m on April 13, 2018, 10:01:49 am
Whats the story with Insurance and Brexit Alliance and Axa are UK registered insurers .If the Brits leave the EU will they be allowed write insurance in Europe if they dont do a deal on Financial Services .Will all Irish motor insurance go through the roof with less companies offering cover .
Title: Re: Insurance shafting
Post by: mercenary for hire on April 13, 2018, 01:10:33 pm
Earlier in the thread Erm mentioned a cyclist claiming off a driver's policy even though no contact was made...

I dropped a lady off in one of them gaffs opposite RTE near the pedestrian bridge.She was telling me about a another driver who stopped on the cycle path to allow her to exit.When the door opens a cyclist had to swerve and bounced into one of the trees.She didn't appear badly injured on the day but she got 75k in court and managed to claim off the homeowner somehow.Apparently that female cyclist is a serial compensation seeker so be careful lads..she has claimed off other motorists in similar situations.The lady who owns the gaff is still looking for the taxi driver.He just went off about his business didn't think it concerned him.As we all would.There was no contact with the taxi.
Title: Re: Insurance shafting
Post by: Rat Catcher on April 13, 2018, 05:33:21 pm
I wouldn't be too concerned about NCD protection, MfH. I think most policies have NCD rollback as standard i.e. your NCD is reduced by a couple of years rather than being lost completely if you have one relevant collision during the period of insurance. Furthermore, in practice they all invariably negate any theoretical advantage accruing through NCD protection by loading the premium. If you read the small print they make that quite clear.
Title: Re: Insurance shafting
Post by: dalymount on April 15, 2018, 01:07:10 pm
My insurance was 5000,2years ago,and 5000 last year last year also. The reason for this was,I was insured by Kenco,through first ireland.now as a lot of you know, kenco left the taxi market in Ireland in2015,but still had a legal obligation to quote me upon renewal.their quote for each of the 2 years I mensioned was 5000.I had to take these quotes for these 2 years because I had 6 penalty points, and none of the others would quote me.so watch the points as well, it c an cause problems
Title: Re: Insurance shafting
Post by: Vikkiz on April 15, 2018, 04:14:50 pm
Well if ye all slowed the fuck down and breaking the law yiz wouldn't have any points (like moi [touches wood]) and your insurance wouldn't be so high
Title: Re: Insurance shafting
Post by: Tony on April 15, 2018, 05:04:28 pm
Well if ye all slowed the fuck down and breaking the law yiz wouldn't have any points (like moi [touches wood]) and your insurance wouldn't be so high


I agree 100% with ya
Title: Re: Insurance shafting
Post by: Belker on April 15, 2018, 07:08:58 pm
On the 30th June this year I might just go out early fer a few tipples,
later that night I expect to be arrested and charged with being
Drunk and Disorderly, Source of Danger, Etc. on the streets of Cork.

After I have been arrested and imprisoned in the Bridewell, the Gardai
may well scratch their heads and wonder; 'What de Fook is yer-man-o
in the holding cell singing about ?".

"FOOK 'EM ALL !  FOOK 'EM ALL !  I'VE NO PENALTY POINTS AT ALL !!".

 lol
Title: Re: Insurance shafting
Post by: Belker on April 15, 2018, 07:18:12 pm
If the chap I hit wasn't so sound he could easily have put in a whip lash claim and put his bumper damage through my insurance.The insurance would most likely pay out without any questions.Even though it was low speed.

Because I dropped the NCB protection my policy could bounce up to 7k from 1400.Dunno about yous but 7k means I'm walking(running)away from this job.

I know they eventually charge ya more to recoup any claim but it's the huge premium jump we can't afford to take when the NCB is gone.

I chose not to tell the insurance because it would have stopped me shopping around.Don't think it's illegal as they'll screw me anyway.

As for safest procedure....if you hit someone and you know you fukked up just admit it and don't annoy the other chap and offer cash.He joked if I was black and rude he would have not been so reasonable.Pays to be nice I suppose.

You Dodged a Bullet MFH and Good fer you, I'm well pleased fer you.
Ya had a birra Good Karma on your side on the day !
Title: Re: Insurance shafting
Post by: dalymount on April 15, 2018, 07:53:11 pm
Well you can say what you like,but I believe like the vast majority of motorists that these speed vans are nothing more then a money making racket
Title: Re: Insurance shafting
Post by: Dr. Martin Gooter Bling on April 15, 2018, 08:00:22 pm
i reckon the vast majority of motorists would have that opinion as well, until they are speeding and eventually run over a child some day.
Title: Re: Insurance shafting
Post by: dalymount on April 15, 2018, 08:20:11 pm
These vans are placed in locations where there is no history of accidents,and also where the speed limits suddently drop fron 80k to 60 k all these factors confirm my,and most other motorists suspections that this is a money making racket operated by scumbags
Title: Re: Insurance shafting
Post by: Rat Catcher on April 16, 2018, 12:59:24 pm
We don't bring a whole lot to the table in terms of skill. The ability to drive a motor car in accordance with the rules of the road isn't a lot to ask. PSV drivers should get double penalty points. Speeding is an epidemic that is out of control. The Gardai are incapable of enforcing the law. In this technological age there ought to be fixed cameras at least every 2 furlongs in 30 and 50 kilo/hour zones and every 2 miles in other areas.
Title: Re: Insurance shafting
Post by: mercenary for hire on April 16, 2018, 01:32:02 pm
I knows it's too late but we're not legally required to disclose our penalty points.I wouldn't be in a hurry to inform them.They mean nothing.

Sure they can give ya penalty points for no NCT now.Not having one doesn't mean yer motor is dangerous.Or that you're dangerous even though you could be brutal behind the wheel.
Title: Re: Insurance shafting
Post by: dalymount on April 16, 2018, 03:08:34 pm
MFH
your insurer claim to have access to a data base to find out how many points you have. apart from that, God forbid youwould be involved in an accident and your policy would also be null and void for not declaring your correct points tally
Title: Re: Insurance shafting
Post by: mercenary for hire on April 16, 2018, 03:17:38 pm
They don't check the penalty points AFAIK.Why should you be paying triple insurance because of some bollox points system.Sure weren't the cops wiping them off for their mates a few years ago.There is still no legal requirement to disclose them.I've no points at the moment and I'm breaking the speed limits and rules of the road regularly like most taxis.Where is the fairness in that?
Title: Re: Insurance shafting
Post by: dalymount on April 16, 2018, 03:42:06 pm
well i dont know if they check them or not, but if you had penalty points , and did not declare them, in the event of an accident this would make your policy invalet. this is the way the scumbags would get out of having to cough up
Title: Re: Insurance shafting
Post by: mercenary for hire on April 16, 2018, 03:44:33 pm
You'd be covered by the uninsured drivers fund(AKA knackers insurance).Anyway it's a rubbish system that crucifies those unfortunate enough to get caught.
Title: Re: Insurance shafting
Post by: dalymount on April 16, 2018, 03:51:07 pm
i have known a few taxi drivers who had to leave the industry, and lost their livlehoods because they accumilated to many penalty points, and could not get insurance anywhere because of it. its a heavy price to pay just because the scumbags want their 80 euro fine
Title: Re: Insurance shafting
Post by: dalymount on April 16, 2018, 03:58:22 pm
i can kinda tolerate the cops with their speed vans, but not that sneaky shower of bastards go safe who are paid on commision for every driver they screw
Title: Re: Insurance shafting
Post by: mercenary for hire on April 16, 2018, 03:59:28 pm
When I had points it didn't change how I drove.The limits are irrelevant when road conditions are taken into account.Traffic volumes,cyclists and time of day make a huge difference.The different zones aren't clearly marked.If we're looking around for speed limit signs we're not watching the road ahead.I work the whole city and barely know half of the relevant limits.
Title: Re: Insurance shafting
Post by: Dr. Martin Gooter Bling on April 16, 2018, 04:17:24 pm
thats not entirely correct dalymount.
read the last few lines of this article.
GoSafe don't need to operate on commision because they're paid a fuckin bomb by the government to just park their vans out there. if they snag speedsters its a bonus on top of the bonanza.
https://www.rte.ie/news/2017/0727/893257-gosafe-speed-detection/ (https://www.rte.ie/news/2017/0727/893257-gosafe-speed-detection/)
Title: Re: Insurance shafting
Post by: dalymount on April 16, 2018, 04:43:13 pm
they still have to justify their existence , the shower of bastards
Title: Re: Insurance shafting
Post by: silverbullet on April 16, 2018, 11:13:23 pm
https://www.kennco.ie/duty-of-disclosure/ (https://www.kennco.ie/duty-of-disclosure/)

Duty of Disclosure
We want to clarify your responsibilities when you take out an insurance policy so that KennCo can give you the protection you need.

We need to be told many important and material facts so we can give you the maximum support when you need it. For a start, you must provide complete and accurate information to us before the cover starts and you must check that all the facts are correct on the statement of fact. It’s very important to remember that you must tell us about any material change to the risk following the inception of your policy, at renewal, or any other time while the policy is in force.

A material fact is relevant information (or misinformation) which could influence our decision to either accept the risk, or the terms offered. Failure to disclose all of the information could invalidate your policy. This means that claims may not be paid in full or perhaps not at all. This failure to disclose could have serious consequences when attempting to obtain insurance from any other provider.

Please make sure that you read all documents issued to you and ensure that you are aware of the cover, limits and other terms that apply. Always ask us if you are unsure of anything and we will be very happy to help.

 

Important notice about your duty of disclosure
You are entering a legal contract with an insurance company. That means you are obliged to answer or confirm all our questions honestly and disclose or confirm all information as set out in the statement of fact. If you have any questions, just ask us and we’ll answer them fairly. We would like to ensure that all claims are paid for you, but remember this is only possible when all the facts are disclosed from the beginning.
Facts include:

 

All previous claims or incidents
Even though a claim was made and did not succeed, or occurred anytime within the last three years, it will be recorded on a common claims register to which most insurers have access. This register will be checked once a claim is lodged. If you omit to disclose a previous claim, medical history or incident that may have given rise to a claim within the last three years, then any future claim by you for any cover under the policy may not be entertained.

 

All convictions
You must tell us about any motoring, civil or criminal convictions, whether received anytime in the past, or pending actions, or which occur during the lifetime of the policy. If you don’t your policy could be invalid.

 

Penalty points (Applies only to Motor Policies)
You must tell us about all penalty points, whether on your licence or not. Insurers now have full access to the points register and we will check it. If you make a claim under your policy and have not disclosed your penalty points it could affect the outcome of your claim.

 

Description of risk to be covered
We require an accurate description of any property, or vehicle to be insured including any medical history.
Modified, adapted or left-hand drive vehicles must be disclosed. Remember the policy holder must be the registered owner of the vehicle insured under the policy of insurance.
“Standard property construction” means built of brick, stone or concrete and may include inner timber frames – roofed with slates, tiles, asphalt, metal or concrete. Any non-standard construction must be declared. N.B. Torch on felt or bitumen on a timber decking is non-standard and its total area must be declared. You must also tell us about any unoccupancy of your property, partial or otherwise.

All cars four years and over must have a current NCT and we may request proof of this at inception or any time in the future.

It is really important that you disclose all information to us in full. If you fail to disclose a material fact or misrepresent a material fact in order to obtain insurance it can be considered fraud and we are obliged to hand over any documentation/call recordings or video footage in our possession to the relevant authorities, which may result in prosecution.


Title: Re: Insurance shafting
Post by: dalymount on April 17, 2018, 08:08:58 am
It seems clear to me ,they say they DO have access to a data base about penalty points,and also none decleration WILL invaladate your policy in the event of a claim.
Title: Re: Insurance shafting
Post by: Vikkiz on April 17, 2018, 08:13:12 am
Ifn they have access to all these databases, why do I have to declare everything. It should show up when they put my name and DOB into the system
Title: Re: Insurance shafting
Post by: dalymount on April 17, 2018, 10:04:24 am
They want YOU to declare your points total hoping you will make a false decleration,in which case they wont have to pay out because your policy would be invalad in such circumstances.in the meantime,they still get your monthly premimum
Title: Re: Insurance shafting
Post by: Rat Catcher on April 17, 2018, 11:49:14 am
They're unlikely to refuse a claim, DM. "Could" is the operative word. If they refuse the claim MIBI have to settle so it's not attributed to a particular policy for future loading. In practice they will use their policy loading system to recoup the underinsured portion from you.

The important point here is that, while they have access to the relevant database, they don't check your record when you renew a policy. They only check for new quotes. It is up to you to notify them of any inaccuracies in the renewal documents they send i.e. if you have earned penalty points which are not noted on the quote/policy document you are legally obliged to bring the omission to their attention.

i have known a few taxi drivers who had to leave the industry, and lost their livlehoods because they accumilated to many penalty points, and could not get insurance anywhere because of it. its a heavy price to pay just because the scumbags want their 80 euro fine

Too few IMO. Getting illegals off the road is key to allowing law abiding drivers compete on a level playing field.
Title: Re: Insurance shafting
Post by: Belker on April 17, 2018, 12:25:00 pm
They want YOU to declare your points total hoping you will make a false decleration,in which case they wont have to pay out because your policy would be invalad in such circumstances.in the meantime,they still get your monthly premimum

I gotta agree with DM on this, I'm with the same insurance company as a Taxi fer the last 9 years and I have never been asked about PP's.
Title: Re: Insurance shafting
Post by: mercenary for hire on April 17, 2018, 12:57:19 pm
I'm not saying it's the right thing to do but we're dealing with the insurance industry here.No mercy.They don't have any when they're putting drivers out of business.

In the last 20 years I've been paying over 100% extra on all my commercial/taxi policies because I'm driving for a living.Even though my record is spotless from their perspective.And I'm covering less mileage than most commuters.
Title: Re: Insurance shafting
Post by: Bob Shillin on April 17, 2018, 06:02:02 pm
Ifn they have access to all these databases, why do I have to declare everything. It should show up when they put my name and DOB into the system
They need your driving licence number. They wrote to me last year requesting it, as they hadn't got it. The points showed up on my renewal notice shortly afterwards.
Title: Re: Insurance shafting
Post by: silverbullet on April 17, 2018, 06:06:32 pm
It would prove that you were less than honest if you omitted the fact.
They would still have no qualms in taking your money though - even though they know you lied about your points.

Licenced thieves is all they are.
Title: Re: Insurance shafting
Post by: dalymount on April 17, 2018, 06:24:17 pm
Your absolutely correct silver,thats what ive been saying all along
Title: Insurance shafting
Post by: dalymount on April 17, 2018, 06:29:22 pm
I think the fear with most drivers is that their policies will be loaded if they declare their points,but the fact is,if you dont declare them,and you are later involved in an accident,your policy will be null,and void because you didnt declare them.you might a s well drive without insurance in that case
Title: Re: Insurance shafting
Post by: watty on April 17, 2018, 07:01:57 pm
Irish Times, July 2016: Motor insurance firms given access to penalty points database (https://www.irishtimes.com/life-and-style/motors/motor-insurance-firms-given-access-to-penalty-points-database-1.2727474)

Quote
Seven motor insurance firms, which between them write 90 per cent of all premiums in the State, now have access to the database which holds details of all penalty points on a driver’s licence.

Quote
The companies with access are Aviva, Axa, Allianz, FBD, Liberty, RSA and Zurich.





Edit: My post should be in the other 'insurance shafting' thread?
Title: Re: Insurance shafting
Post by: weird al wankovitch on April 17, 2018, 07:58:41 pm
Ya have to declare pp's. Bollixed if ye crash so ya are.
Title: Re: Insurance shafting
Post by: mercenary for hire on April 17, 2018, 08:12:16 pm
Just as well I don't have any..
Title: Re: Insurance shafting
Post by: Belker on April 18, 2018, 11:47:54 am
I wonder will insurance companies ever come up with 'Previous Penalty Points' history ?
Title: Re: Insurance shafting
Post by: Belker on April 18, 2018, 11:49:32 am
Ya have to declare pp's. Bollixed if ye crash so ya are.

Do you have a story to tell Al ?
Title: Re: Insurance shafting
Post by: Admin on April 18, 2018, 01:27:04 pm
Edit: My post should be in the other 'insurance shafting' thread?

Topics merged.
Title: Re: Insurance shafting
Post by: weird al wankovitch on April 18, 2018, 02:42:46 pm
Ya have to declare pp's. Bollixed if ye crash so ya are.

Do you have a story to tell Al ?

The Monkey and the Dolphin

A Sailor, bound on a long voyage, took with him a Monkey to amuse him while on shipboard.

As he sailed off the coast of Greece, a violent tempest arose, in which the ship was wrecked, and he, his Monkey and all the crew were obliged to swim for their lives.

A Dolphin saw the Monkey contending with the waves, and supposing him to be a man (whom he is always said to befriend), came and placed himself under him, to convey him on his back in safety to the shore.

When the Dolphin arrived with his burden in sight of land not far from Athens, he demanded of the Monkey if he were an Athenian, who answered that he was, and that he was descended from one of the noblest families in that city.

The Dolphin then inquired if he knew the Piræus (the famous harbor of Athens).

The Monkey, supposing that a man was meant, and being obliged to support his previous lie, answered that he knew him very well, and that he was an intimate friend, who would, no doubt, be very glad to see him.


 
The Dolphin, indignant at these falsehoods, dipped the Monkey under the water, and drowned him.

Moral of Aesop's Fable:
"He who once begins to tell falsehoods is obliged to tell others to make them appear true, and, sooner or later, they will get him into trouble.

Title: Re: Insurance shafting
Post by: john m on April 18, 2018, 02:57:35 pm
AESOP FABLES I like this bloke already . lol lol lol lol
Title: Re: Insurance shafting
Post by: mercenary for hire on April 18, 2018, 03:13:34 pm
It's Gerry?Or Tony or Halpos the bollix.
Title: Re: Insurance shafting
Post by: Tony on April 18, 2018, 11:47:12 pm
Not me
Title: Re: Insurance shafting
Post by: weird al wankovitch on April 18, 2018, 11:53:11 pm
Not me either
Title: Re: Insurance shafting
Post by: weird al wankovitch on April 18, 2018, 11:53:44 pm
Not him I mean
Title: Re: Insurance shafting
Post by: silverbullet on April 19, 2018, 12:34:15 am
Ya have to declare pp's. Bollixed if ye crash so ya are.

Do you have a story to tell Al ?

The Monkey and the Dolphin

A Sailor, bound on a long voyage, took with him a Monkey to amuse him while on shipboard.

As he sailed off the coast of Greece, a violent tempest arose, in which the ship was wrecked, and he, his Monkey and all the crew were obliged to swim for their lives.

A Dolphin saw the Monkey contending with the waves, and supposing him to be a man (whom he is always said to befriend), came and placed himself under him, to convey him on his back in safety to the shore.

When the Dolphin arrived with his burden in sight of land not far from Athens, he demanded of the Monkey if he were an Athenian, who answered that he was, and that he was descended from one of the noblest families in that city.

The Dolphin then inquired if he knew the Piræus (the famous harbor of Athens).

The Monkey, supposing that a man was meant, and being obliged to support his previous lie, answered that he knew him very well, and that he was an intimate friend, who would, no doubt, be very glad to see him.


 
The Dolphin, indignant at these falsehoods, dipped the Monkey under the water, and drowned him.

Moral of Aesop's Fable:
"He who once begins to tell falsehoods is obliged to tell others to make them appear true, and, sooner or later, they will get him into trouble.

A liar should have a good memory. Quintilian. 8)
Title: Re: Insurance shafting
Post by: watty on April 19, 2018, 06:41:06 pm
you'd think driving was a privilege instead of a right or something.
https://www.breakingnews.ie/ireland/motorists-shock-at-15000-rise-in-insurance-cover-to-over-19000-836432.html (https://www.breakingnews.ie/ireland/motorists-shock-at-15000-rise-in-insurance-cover-to-over-19000-836432.html)

Motorist quoted €19k for insurance secures cover for under €2,000 (https://www.breakingnews.ie/ireland/motorist-quoted-19k-for-insurance-secures-cover-for-under-2000-838207.html)
He got insurance off some crowd in Killarney for e1.8k.  Liberty said they made a mistake and requoted at 6,000 but only if he signed a gagging order...
Title: Re: Insurance shafting
Post by: Dr. Martin Gooter Bling on April 19, 2018, 07:31:51 pm
fair play to him. he played it beautifully.
Title: Re: Insurance shafting
Post by: Rat Catcher on April 20, 2018, 10:58:22 am
Nice result. Nice to know that Liberty haven't altered the devious, underhanded, deceitful, dishonest, dishonourable, disreputable, unethical, unprincipled, immoral, unscrupulous, fraudulent, treacherous, duplicitous, double-dealing corporate culture established by Quinn Direct.
Title: Re: Insurance shafting
Post by: silverbullet on April 20, 2018, 05:11:21 pm
Nice result. Nice to know that Liberty haven't altered the devious, underhanded, deceitful, dishonest, dishonourable, disreputable, unethical, unprincipled, immoral, unscrupulous, fraudulent, treacherous, duplicitous, double-dealing corporate culture established by Quinn Direct.
As the Monaghan Mongs would say : He's good to the locals. 8)
Title: Re: Insurance shafting
Post by: Belker on April 23, 2018, 09:31:00 pm
Nice result. Nice to know that Liberty haven't altered the devious, underhanded, deceitful, dishonest, dishonourable, disreputable, unethical, unprincipled, immoral, unscrupulous, fraudulent, treacherous, duplicitous, double-dealing corporate culture established by Quinn Direct.
rofl