Irish Taxi Forum

Public Area => Taxi Talk => Topic started by: dalymount on May 10, 2018, 11:13:21 am

Title: Insurance
Post by: dalymount on May 10, 2018, 11:13:21 am
Could not believe it. I rang allianz for an insurance quote.she asked was 5 years accident free. I said I was,other then AN NOT FAULT hit ,and run in 2015,but the claim was now closed and payment made to me by the MIBI.I just could not believe it.even though it was an non fault,the would not quote me saying that it was still a claim regardless.so it doesnt matter how careful you are,if some towrag hits you,you are penelised because you cant get a quote 
Title: Re: Insurance
Post by: Octavia1 on May 10, 2018, 12:03:38 pm
Do you have full no claims bonus in writing
Dalymount?
Title: Re: Insurance
Post by: john m on May 10, 2018, 12:51:36 pm
Could not believe it. I rang allianz for an insurance quote.she asked was 5 years accident free. I said I was,other then AN NOT FAULT hit ,and run in 2015,but the claim was now closed and payment made to me by the MIBI.I just could not believe it.even though it was an non fault,the would not quote me saying that it was still a claim regardless.so it doesnt matter how careful you are,if some towrag hits you,you are penelised because you cant get a quote

Dollymount Once you inform them of an incident they open a file as in a CLAIMS file even though there is no claim they then say to themselves that there is a claim outstanding and they have employed staff to deal with it and it has a claim number .What most people dont understand is a claim is a claim regardless of the outcome of that claim .my Daughter has a claim against her in the works .Her insurance company are taking the other party to court for fraud but according to her  insurer they will claim her policy for costs to deend her policy against this frauduylent claim so there is a claima gainst her .Even if she wins the case her no claims bonus will be rolled back as there was a settled claim made in ASSOCIATION with her policy .
Title: Re: Insurance
Post by: Tony on May 10, 2018, 01:02:19 pm
When I had my near death experience back in 12 the other party admitted libliability after a while and a battle to get back on the road which I won I was never penalised when renewing my insurance.
Title: Re: Insurance
Post by: dalymount on May 10, 2018, 01:28:45 pm
But my situation was,thay I was hit by a hit and run driver.he was located a short time later.after some time,the MIBI paid out.this is the body that you can claim from if the driver was uninsured.they settled with me,the claim is since closed,but STILL these fuckers refuse to quote me even though it was not my fault its laughable
Title: Re: Insurance
Post by: Tony on May 10, 2018, 01:38:22 pm
I would be getting legal advice on that, it don't sound right.
Title: Re: Insurance
Post by: john m on May 10, 2018, 01:54:29 pm
But my situation was,thay I was hit by a hit and run driver.he was located a short time later.after some time,the MIBI paid out.this is the body that you can claim from if the driver was uninsured.they settled with me,the claim is since closed,but STILL these fuckers refuse to quote me even though it was not my fault its laughable

 What your insurer will say is they had to represent you in this case and there were costs .AGAINST YOUR POLICY .ANTO I had a bang and it was settled 100% in my favour but when I went to move company I was informed that there was a claim recorded on my policy .My premium actually went down the year after my claim was settled .
Title: Re: Insurance
Post by: Octavia1 on May 10, 2018, 02:11:48 pm
Your ncb shud be stated on your current cert..... If you go in with it (not phone) there is no arguments..... Unless you where penalised 2015 ????
Title: Re: Insurance
Post by: dalymount on May 10, 2018, 02:16:40 pm
These companies want it every way.it used to be that your premium went up dramaticly upon renewal if you were involved in an accident that was YOUR fault.now it seems you cannot even get a quote if it was NOT your fault .they are fukking gangsters
Title: Re: Insurance
Post by: silverbullet on May 10, 2018, 03:29:17 pm
These companies want it every way.it used to be that your premium went up dramaticly upon renewal if you were involved in an accident that was YOUR fault.now it seems you cannot even get a quote if it was NOT your fault .they are fukking gangsters
/quote]

+1

Title: Re: Insurance
Post by: Rat Catcher on May 10, 2018, 03:52:15 pm
+ 4 / 2.
Title: Re: Insurance
Post by: taxi1990 on May 10, 2018, 04:58:21 pm
Have you rang the Irish insurance federation about this? 
Title: Re: Insurance
Post by: dalymount on May 10, 2018, 07:15:31 pm
Yes I did ring insurance ireland,who assured me they were quite within their rights in not giving a quote,they did say though,that it is only allianz that engage in this practice.the fella I was talking to told me I should try a new entrant to the market called Ben Mcardle brokers  anyone ever heard of them ?
Title: Re: Insurance
Post by: Bob Shillin on May 10, 2018, 07:29:47 pm
I notified my insurance, Allianz, as is always advised,  this time last year of an accident a few days earlier where a person had driven across the continuos white line on a bend  in the the road into my car. They told me that I could get the repair done by Allianz for speed, and that as long as the other accepted liability,and paid Allianz for the repair before my next premium was due it would not affect my quote. However if they were not paid by then it would affect my premium.

I did not use Allianz as the other person's insurance co Liberty accepted full liability 2 days after the accident from the photographs supplied, and paid Ashmore Ryder for the repair.

I got a request from Allianz later in the year to confirm that my claim had been settled by the other party's insurance co, and I had my full no claims cert issued last month for my renewal. My premium had gone up from €2400 to €2900. They did not give any reason for the increase or mention anything on the notice about a previous "not my fault" accident, but now I am wondering was I also penalised for advising them of an accident in which I was 100% the innocent party.
Title: Re: Insurance
Post by: markmiwurdz on May 10, 2018, 07:33:46 pm
I notified my insurance, Allianz, as is always advised,  this time last year of an accident a few days earlier where a person had driven across the continuos white line on a bend  in the the road into my car. They told me that I could get the repair done by Allianz for speed, and that as long as the other accepted liability,and paid Allianz for the repair before my next premium was due it would not affect my quote. However if they were not paid by then it would affect my premium.

I did not use Allianz as the other person's insurance co Liberty accepted full liability 2 days after the accident from the photographs supplied, and paid Ashmore Ryder for the repair.

I got a request from Allianz later in the year to confirm that my claim had been settled by the other party's insurance co, and I had my full no claims cert issued last month for my renewal. My premium had gone up from €2400 to €2900. They did not give any reason for the increase or mention anything on the notice about a previous "not my fault" accident, but now I am wondering was I also penalised for advising them of an accident in which I was 100% the innocent party.

Most premiums went up this year irrespective of accidents.
Title: Re: Insurance
Post by: dalymount on May 10, 2018, 07:39:48 pm
That seems rather a lot to go up,tou pissibly were penalised.why dont you give Brian J Peirce a ring,and see if they can do any better for you
Title: Re: Insurance
Post by: Bob Shillin on May 10, 2018, 07:47:37 pm
That seems rather a lot to go up,tou pissibly were penalised.why dont you give Brian J Peirce a ring,and see if they can do any better for you
AXA wont quote over 5 points, I have 6. When BJP is the last company in the world doing taxi insurance, I will give up taxiing.
Title: Re: Insurance
Post by: Octavia1 on May 10, 2018, 08:41:56 pm
https://www.uber.com/en-SE/drive/resources/axa-insurance/ (https://www.uber.com/en-SE/drive/resources/axa-insurance/)

https://www.uber.com/en-SE/drive/resources/axa-insurance/ (https://www.uber.com/en-SE/drive/resources/axa-insurance/)

https://www.uber.com/en-NG/blog/axa-insurance-cover-riders-drivers/ (https://www.uber.com/en-NG/blog/axa-insurance-cover-riders-drivers/)

https://www.insurancebusinessmag.com/asia/news/breaking-news/uber-and-axa-partner-up-for-free-insurance-in-france-74167.aspx (https://www.insurancebusinessmag.com/asia/news/breaking-news/uber-and-axa-partner-up-for-free-insurance-in-france-74167.aspx)
Title: Re: Insurance
Post by: Octavia1 on May 10, 2018, 08:43:25 pm
Uber and AXA ♥
Title: Re: Insurance
Post by: dalymount on May 10, 2018, 09:00:14 pm
Bob I understand just how you feel with 6points.when I was with kennco ,who pulled out of the industry,they quoted me 5kwhich I had to take because nobody else would quote me with 6points the following year,I still had my 6 points and I had to pay 5 k for that year also.its only this year im down to 3points so that freed me up to get a quote from BJP  who quoted 2300 for full comp
Title: Re: Insurance
Post by: Tony on May 10, 2018, 09:18:31 pm
The lesson of the day is slow down yis speed freaks.
Title: Re: Insurance
Post by: Bob Shillin on May 10, 2018, 09:38:50 pm
The lesson of the day is slow down yis speed freaks.
All points 10k over between 2-4am on empty road
Title: Re: Insurance
Post by: silverbullet on May 10, 2018, 11:04:12 pm
The lesson of the day is slow down yis speed freaks.
All points 10k over between 2-4am on empty road
Where?
Title: Re: Insurance
Post by: Bob Shillin on May 11, 2018, 12:56:05 am
The lesson of the day is slow down yis speed freaks.
All points 10k over between 2-4am on empty road
Where?
Newtownpark Ave and Victoria Quay
Title: Re: Insurance
Post by: dalymount on May 11, 2018, 07:49:51 am
Only 5 of my points were for speeding,I got one for making an illeegal left turn.that was the one that pushed me over the edge,cause liberty would have quoted me for 5, but not for 6,allianz,on the other hand would have quoted me with 6,but would not quote me because  I was not 5 year accident free at that time.they have you by the short and curleys every way
Title: Re: Insurance
Post by: Rat Catcher on May 11, 2018, 10:54:24 am
There should be a mandatory surcharge of €1,270 per penalty point with the monies raised used to lower premiums for law abiding drivers.
Title: Re: Insurance
Post by: Tony on May 11, 2018, 11:59:11 am
There should be a mandatory surcharge of €1,270 per penalty point with the monies raised used to lower premiums for law abiding drivers.


 rofl
Title: Re: Insurance
Post by: silverbullet on May 11, 2018, 04:17:23 pm
The lesson of the day is slow down yis speed freaks.
All points 10k over between 2-4am on empty road
Where?
Newtownpark Ave and Victoria Quay
Fish in a barrel.
Title: Re: Insurance
Post by: Vikkiz on May 13, 2018, 08:02:57 am
There should be a mandatory surcharge of €1,270 per penalty point with the monies raised used to lower premiums for law abiding drivers.
Mine should be free so  lol
Title: Re: Insurance
Post by: Belker on May 13, 2018, 10:10:43 am
There should be a mandatory surcharge of €1,270 per penalty point with the monies raised used to lower premiums for law abiding drivers.

Why €1,270 ?
Are you 'Old school' Rats and reckon on it being a Grand in Irish Punts ?
Title: Re: Insurance
Post by: Belker on May 13, 2018, 10:16:13 am
The lesson of the day is slow down yis speed freaks.
All points 10k over between 2-4am on empty road

I'm the same, 6 points all at those hours, but at least mine will be all gone on June 30th this year TBTG !
Title: Re: Insurance
Post by: Belker on May 13, 2018, 10:26:45 am
The thing that bugs me about insurance is their claim that a windscreen claim does not affect your NCB,
well that is kinda true, it doesen't affect your next premium/s.

BUT they only issue you a NCB cert fer the years after your windscreen claim.

For example, I had a windscreen claim 3 years ago and when I went shopping around fer insurance last year,
most insurers would not quote because I didn't have the full 5 years NCB, so I'm stuck with my original insurer.
Title: Re: Insurance
Post by: Octavia1 on May 13, 2018, 10:33:04 am
I'm constantly gettin wank gicknaas nufftie speedin retarded geebag cunts drivin up me arse an me drivin the speed limit...   
Then they overtake tryin to clip me front bumper......
Wat is that?
I mean Wat are ya tryin to say to me?
Yur a big man flyin around the fuckin place...?
I'll tell yu Wat I think......
Yur micky is a fukin winkle an yur brain is  missin the vital bits required for thinkin........
Big important man out me way cunt....
It's great till ya kill sum poorfuk.....
But then that wudnt bother ya cause yuv the memory of a goldfish,the brain of a squirrel, and yur father smelled of elderberries
Cunt
Title: Re: Insurance
Post by: Belker on May 13, 2018, 10:34:11 am
Only 5 of my points were for speeding,......

How did ya get 5 fer Speeding ?
I got done twice in Jan and Feb 2015 and got 3 fer each offence by safety vans.
Title: Re: Insurance
Post by: Octavia1 on May 13, 2018, 10:34:24 am
 ;D
Title: Re: Insurance
Post by: Belker on May 13, 2018, 10:41:53 am
I'm constantly gettin wank gicknaas nufftie speedin retarded geebag cunts drivin up me arse an me drivin the speed limit...   
Then they overtake tryin to clip me front bumper......
Wat is that?
I mean Wat are ya tryin to say to me?
Yur a big man flyin around the fuckin place...?
I'll tell yu Wat I think......
Yur micky is a fukin winkle an yur brain is  missin the vital bits required for thinkin........
Big important man out me way cunt....
It's great till ya kill sum poorfuk.....
But then that wudnt bother ya cause yuv the memory of a goldfish,the brain of a squirrel, and yur father smelled of elderberries
Cunt

In One ear Octy and Out the other, I too often see those type of idiots on the road and I think to myself;
It won't be too long before your driving a pair of Sketchers !
Title: Re: Insurance
Post by: Tony on May 13, 2018, 11:52:59 am
I'm constantly gettin wank gicknaas nufftie speedin retarded geebag cunts drivin up me arse an me drivin the speed limit...   
Then they overtake tryin to clip me front bumper......
Wat is that?
I mean Wat are ya tryin to say to me?
Yur a big man flyin around the fuckin place...?
I'll tell yu Wat I think......
Yur micky is a fukin winkle an yur brain is  missin the vital bits required for thinkin........
Big important man out me way cunt....
It's great till ya kill sum poorfuk.....
But then that wudnt bother ya cause yuv the memory of a goldfish,the brain of a squirrel, and yur father smelled of elderberries
Cunt

Laffin me bollix off

I feel your pain Octy but I don't let it get to me, I was coming down through fairview last week and another driver like myself were driving side by side at the limit and before we got to the fire station there was about 20 cars behind us, so we as we took off towards town ya could almost smell the rage behind us.
Finally after the five lamps they over /undertook us like bees leaving a hive, all ya can do is laugh at the fucking idiots known / hoping that one day they will wrap their cars around a pole or something.
Title: Re: Insurance
Post by: Octavia1 on May 13, 2018, 03:22:01 pm
I'm constantly gettin wank gicknaas nufftie speedin retarded geebag cunts drivin up me arse an me drivin the speed limit...   
Then they overtake tryin to clip me front bumper......
Wat is that?
I mean Wat are ya tryin to say to me?
Yur a big man flyin around the fuckin place...?
I'll tell yu Wat I think......
Yur micky is a fukin winkle an yur brain is  missin the vital bits required for thinkin........
Big important man out me way cunt....
It's great till ya kill sum poorfuk.....
But then that wudnt bother ya cause yuv the memory of a goldfish,the brain of a squirrel, and yur father smelled of elderberries
Cunt

Laffin me bollix off

I feel your pain Octy but I don't let it get to me, I was coming down through fairview last week and another driver like myself were driving side by side at the limit and before we got to the fire station there was about 20 cars behind us, so we as we took off towards town ya could almost smell the rage behind us.
Finally after the five lamps they over /undertook us like bees leaving a hive, all ya can do is laugh at the fucking idiots known / hoping that one day they will wrap their cars around a pole or something.

Ah Bollix Tony.... I think I over worked this week..... I must dune 10 my jaxi jobs an done nearly 15 hours this week.....
I think I'm burned out.....
I'm waitin for the sunny week an a breeze easterly an headin to lahinch for the surfing am mite do a bit bass fishing.....
Mite me alcoholic bird wit me..... Though there's no point in me tellin her about it before hand as she'll forget..... I'll jus wave a bottle vodka at her an she'll jump in the jammer  ;D
Title: Re: Insurance
Post by: Rat Catcher on May 13, 2018, 05:52:18 pm
Took Wednesday, Thursday, Friday and last night off myself. I'll start Monday...
Title: Re: Insurance
Post by: Tony on May 13, 2018, 06:45:51 pm
I finished up on Fri night and I won't be back working till Wednesday, going to Kilmore Quay on Tuesday to do a bit of fishing.
Title: Re: Insurance
Post by: Dr. Martin Gooter Bling on May 13, 2018, 06:47:36 pm
kilmore quay.
is that down the side of the blacker?
Title: Re: Insurance
Post by: Tony on May 13, 2018, 07:05:28 pm
kilmore quay.
is that down the side of the blacker?

 rofl
Title: Re: Insurance
Post by: Octavia1 on May 13, 2018, 07:51:40 pm
kilmore quay.
is that down the side of the blacker?
There's a load big pollack down there.....
Ya have to get in a boat... But yud be pulling huge pollacks all day.....
Red eels I used to used
Title: Re: Insurance
Post by: Belker on May 14, 2018, 06:09:47 am
I finished up on Fri night and I won't be back working till Wednesday, going to Kilmore Quay on Tuesday to do a bit of fishing.

Are ya going fer Shark ?
Title: Re: Insurance
Post by: Tony on May 14, 2018, 07:47:13 am
I finished up on Fri night and I won't be back working till Wednesday, going to Kilmore Quay on Tuesday to do a bit of fishing.

Are ya going fer Shark ?


Na, too early in the year for the blues but give it another six weeks or so and they should be around, going to try for some cod or smoothounds or maybe even a tope but either way it will be nice to get out.
Title: Re: Insurance
Post by: Belker on May 14, 2018, 08:18:20 am
I finished up on Fri night and I won't be back working till Wednesday, going to Kilmore Quay on Tuesday to do a bit of fishing.

Are ya going fer Shark ?


Na, too early in the year for the blues but give it another six weeks or so and they should be around, going to try for some cod or smoothounds or maybe even a tope but either way it will be nice to get out.

Best of Luck with it, post up a few photo's if'n ya catch anything.

I'm half afraid to ask, but what's a Smoothound ?
I really hope it is a type of Fish !
Title: Re: Insurance
Post by: Tony on May 14, 2018, 08:26:27 am
Google it, its a member of the shark family
Title: Re: Insurance
Post by: Belker on May 14, 2018, 09:02:30 am
Google it, its a member of the shark family

Oh, TBTG !, I was thinking it might have been a Smooth Chungwan !!
 lol
Title: Re: Insurance
Post by: Smccartn on May 23, 2018, 07:19:59 pm
Got this years quote today, €2327, €530 more then last year. Rang them and they told
Me all taxi policy’s had gone up 20% this year. After a while he agreed to do it for €1990.
Title: Re: Insurance
Post by: dalymount on May 23, 2018, 07:42:25 pm
Is that without any claims,or accidents ,or points ?
Title: Re: Insurance
Post by: Belker on May 24, 2018, 09:22:55 am
Got this years quote today, €2327, €530 more then last year. Rang them and they told
Me all taxi policy’s had gone up 20% this year. After a while he agreed to do it for €1990.

I THINK that if ya call in to their office in person and ask fer a discount you will get it
easier in person rather that dealing with them over the phone, I THINK !
Anyway that is what I do and it seem's to work fer me.
Title: Re: Insurance
Post by: dalymount on May 24, 2018, 09:57:38 am
Which company are you talking about ?
Title: Re: Insurance
Post by: Belker on May 24, 2018, 10:42:14 am
Which company are you talking about ?

If'n your asking me, then it's Axa.
Title: Re: Insurance
Post by: Rat Catcher on May 24, 2018, 10:43:52 am
Well, he wasn't telling you!
Title: Re: Insurance
Post by: dalymount on May 24, 2018, 11:55:17 am
Im with axa myself through BJP although im not die for renewal for about another 5 weeks,I was talking to yer man from BJPwho told me he reckons it will be about 2500,this year up from 2300 currantly
Title: Re: Insurance
Post by: Belker on May 24, 2018, 12:21:42 pm
Im with axa myself through BJP although im not die for renewal for about another 5 weeks,I was talking to yer man from BJPwho told me he reckons it will be about 2500,this year up from 2300 currantly

Try AXA in person, it might be a tad cheaper, but in general that is what you will have to pay.
I'm in the same boat meself, just Suck it up, it ain't gonna change !

Be a whole lot more if'n ya get a claim against ya, and I mean a WHOLE LOT MORE !
Believe it or not Paul, you like me are in the Lucky Boat !
Title: Re: Insurance
Post by: dalymount on May 24, 2018, 12:28:33 pm
Yeah I think I will.there is a big difference between the 1990 quoted,and 2500 points
Title: Re: Insurance
Post by: dalymount on May 24, 2018, 12:31:19 pm
Smccartn says he got it down to 1990,from 2350,by going into them,so it might be worth a try
Title: Re: Insurance
Post by: Smccartn on May 24, 2018, 06:09:14 pm
It is with axa as well... no claims points, I actually have a free lifetime
Protected bonus as I was claim free for ten years. I still believe they are charging
Me for it but he denied they were.  I find if you go in in person to swords it all depends
Which person you get, most of them will just say take it or leave it, they know I would be mad
To leave them with the as they say (free) lifetime protected bonus...  hopefully in time there might
Be more competition...
Title: Re: Insurance
Post by: mercenary for hire on May 24, 2018, 06:32:51 pm
Had a chap going to the Airport today who said his immigrant Addision lee driver in the Uk drove straight into a stationary vehicle last year.He thinks yer man fell asleep at the wheel as there was no attempt at braking.Anyway his compensation was capped at 4000 for a shoulder injury and he has been a little nervous since in cabs.If that accident happened here he'd have gotten much more compo.Kinda makes ya wonder if we're getting fleeced because our compo payments are too generous.Maybe the insurance companies aren't crying wolf.

What made it worse was Addison lee sent him the same driver three months later.His confidence in Addison lee hasn't been great since.The driver was an immigrant which made me feel superior for about five minutes..
Title: Re: Insurance
Post by: silverbullet on May 24, 2018, 07:17:03 pm
Statistics from the NTSB:
You're more likely to die in a cab on the way to the Airport, than on on Aircraft.
The truth is, up in the air, all the people are Professionals.
Title: Re: Insurance
Post by: dalymount on May 24, 2018, 09:12:17 pm
Thats very consoling,silver
Title: Re: Insurance
Post by: Rat Catcher on May 25, 2018, 05:21:13 pm
Autopilot does most of the flying. In fact, they only manually take off and land to give co-pilots experience these days. It seems crazy that humans are still required not drive cars.
Title: Re: Insurance
Post by: watty on May 25, 2018, 05:44:20 pm
Too many pilots can’t handle an emergency (https://www.telegraph.co.uk/news/uknews/11318189/Too-many-pilots-cant-handle-an-emergency.html)  (Daily Telegraph, 2014)
Modern pilots have lost the natural ability to fly planes because of automation.  When something does go wrong and the autopilot hands control of the plane back to them, they often struggle to do the right thing. 

Imagine the same happening in a car doing 120km/hr down the M50, surrounded by dozens of other cars.  It would be chaotic and deadly ( and not deadly in a good way)!
Title: Re: Insurance
Post by: silverbullet on May 25, 2018, 06:52:02 pm
Most Pilots are very well trained.
Passengers like the idea of a human up front.
Take off and landings can be done on Autopilot, but the Captain has the final say.
Remember, it's always been cheaper to blame the Pilot.  8)
Title: Re: Insurance
Post by: The Liffey Lip on May 26, 2018, 12:26:42 pm
Autopilot does most of the flying. In fact, they only manually take off and land to give co-pilots experience these days. It seems crazy that humans are still required not drive cars.

Stick a few roundabouts and pelican crossing in the sky and see how the autopilots fare.
Title: Re: Insurance
Post by: Rat Catcher on May 26, 2018, 12:38:46 pm
On the ground tests to date are extremely positive with very few road deaths caused by autonomous vehicles. In the fullness of time there's no reason that it can't be as safe to travel by car as by airplane.
Title: Re: Insurance
Post by: dalymount on June 07, 2018, 02:29:51 pm
Rang allienz a fwew weeks ago for a quote. They would not quote me then,saying even though I was involved in an accident that was not my fault, it was still a claim,and therefore they could not quote me. Tried them again this morning, explaining my case to them and that I had a letter from the MIBI  saying my insurer incurred no expense,they quoted me this morning.the way they do it is, like ali carte you choose what you want like windscreen cover,breakdown assistance,bonus cover or step back,etcetc I got a quote for 1823 full comp ,wirh step back  I could get 1720 for no stepback .I doubt BJP will match this in a couple of weeks
Title: Re: Insurance
Post by: silverbullet on June 07, 2018, 03:21:30 pm
Rang allienz a fwew weeks ago for a quote. They would not quote me then,saying even though I was involved in an accident that was not my fault, it was still a claim,and therefore they could not quote me. Tried them again this morning, explaining my case to them and that I had a letter from the MIBI  saying my insurer incurred no expense,they quoted me this morning.the way they do it is, like ali carte you choose what you want like windscreen cover,breakdown assistance,bonus cover or step back,etcetc I got a quote for 1823 full comp ,wirh step back  I could get 1720 for no stepback .I doubt BJP will match this in a couple of weeks
That brilliant news Dalymount. A victory for the little man.
I'd still prefer the 600 from years ago though.
Good luck.
Title: Re: Insurance
Post by: dalymount on June 07, 2018, 05:31:23 pm
Yeah I know what you mean bullet,I have to start routing around for the letter that says in clear now,I dont know whwre it is in the house though.they also told me if im paying by the month,there is no deposit of a few hundred up front its just a straight 160 per month or thereabouts
Title: Re: Insurance
Post by: Belker on June 10, 2018, 06:58:27 am
Yeah I know what you mean bullet,I have to start routing around for the letter that says in clear now,I dont know whwre it is in the house though.they also told me if im paying by the month,there is no deposit of a few hundred up front its just a straight 160 per month or thereabouts

That's all good news  ::cheers
Fair dinkum DM, you were due a birra good luck.
Title: Re: Insurance
Post by: dalymount on June 19, 2018, 10:11:46 am
Not such good news at all im afraid.while allianz quoted me 1823 euro,when they heard that I was involved in a hit,and run in 2015 in I WAS THE INJURED PARTY, they withdrew the quote.I explained to them,that kennco,(my then insurers,) reinstated my full bonus upon Garda investigation,and the claim was settled,and cosed bythe MIBI ,they were still not interested
Title: Re: Insurance
Post by: mercenary for hire on June 19, 2018, 10:29:49 am
Phone the insurance ombudsman and explain your situation.They might get them to stop acting the bollix with a quick phone call.
Title: Re: Insurance
Post by: The Liffey Lip on June 19, 2018, 11:04:44 am
Not such good news at all im afraid.while allianz quoted me 1823 euro,when they heard that I was involved in a hit,and run in 2015 in I WAS THE INJURED PARTY, they withdrew the quote.I explained to them,that kennco,(my then insurers,) reinstated my full bonus upon Garda investigation,and the claim was settled,and cosed bythe MIBI ,they were still not interested

Have you that in writing? Ask them for it if you have not..and then go your local T.D. Joe Duffy's phones are too busy but shout it out loud...if you can.
Title: Re: Insurance
Post by: dalymount on June 19, 2018, 12:01:11 pm
I was on to liveline this morning as it happens,I spoke to a researcher who took the details.he said if they are goung to air it,they will ring me.I also got on to insurance ireeland (-they are not wieth a shite they have no teeth)-and they said allianz are entitledto not quote me in those circumstances
Title: Re: Insurance
Post by: The Liffey Lip on June 19, 2018, 12:08:50 pm
When an insurance co refused to quote you, you were(maybe not now) entitled to go in to them and ask for a letter detailing their refusal. This might not be the case nowadays with all these new EU regs governing data.
Title: Re: Insurance
Post by: Rat Catcher on June 19, 2018, 12:09:48 pm
Probably 'cos it's a taxi. Anecdotal evidence suggests that a lot of crashes involving taxis are staged.
Title: Re: Insurance
Post by: mercenary for hire on June 19, 2018, 12:31:03 pm
Is Insurance Ireland the same as the Ombudsman?Few years ago I had an issue with a claim that Royal sun were delaying payment on and after calling the Omnibusman they had the contacts to get the cheque out in a couple of days.
Title: Re: Insurance
Post by: dalymount on June 19, 2018, 01:07:57 pm
Angus Mcanally from RTE did actually ring me back.he toldme he had been in touch with allianz.my whole problem with this is,why am I being penalised for an accident rhat was not my fault ? Kennco my insurers at the time,said I still have my full NCB ,and any money they paid out would not effect that. They paid out 607 euro and went through MIBI protacol
Title: Re: Insurance
Post by: mercenary for hire on June 19, 2018, 01:09:26 pm
Maybe Angus will get his old mate Bosco on the case..
Title: Re: Insurance
Post by: Belker on June 19, 2018, 01:37:39 pm
Angus Mcanally from RTE did actually ring me back.he toldme he had been in touch with allianz.my whole problem with this is,why am I being penalised for an accident rhat was not my fault ? Kennco my insurers at the time,said I still have my full NCB ,and any money they paid out would not effect that. They paid out 607 euro and went through MIBI protacol

Sad to see it, but the only way to get any justice in this country, is to contact a radio station to act on your behalf.
They then 'Shame' whomever in to paying up or be shamed live 'On air'.
Title: Re: Insurance
Post by: Vikkiz on June 19, 2018, 01:39:38 pm

Sad to see it, but the only way to get any justice in this country, is to contact a radio station to act on your behalf.
They then 'Shame' whomever in to paying up or be shamed live 'On air'.

Or you can shame them on Twitter. They don’t like that at all
Title: Re: Insurance
Post by: Tony on June 19, 2018, 01:45:32 pm
https://www.irishexaminer.com/breakingnews/business/eu-irish-car-insurance-probe-eyes-closure-849710.html (https://www.irishexaminer.com/breakingnews/business/eu-irish-car-insurance-probe-eyes-closure-849710.html)
Title: Re: Insurance
Post by: Rat Catcher on June 21, 2018, 11:08:41 am
Good ol' Angus. He'll dort it for you... maybe.
Title: Re: Insurance
Post by: dalymount on June 21, 2018, 01:38:54 pm
He did actually ring again yesterday.he feels I should just wait and see what BJP come back to me with (my currant brokers) before I persue why im being penalised for an none fault incident
Title: Re: Insurance
Post by: silverbullet on June 21, 2018, 04:43:24 pm
He did actually ring again yesterday.he feels I should just wait and see what BJP come back to me with (my currant brokers) before I persue why im being penalised for an none fault incident
Raisin the issue with you Currant Broker...excellent! 8)
Title: Re: Insurance
Post by: dalymount on June 22, 2018, 02:41:34 am
Bullet I told my currant broker of the quote I received from allenz for 1823, and I asked if they could match,or beat that quote .whats wrong with that ?
Title: Re: Insurance
Post by: The Liffey Lip on June 22, 2018, 08:52:11 am
Don't mind Silver, Dalyer....he was probably on Baker's corner stirring it...........always at it.
Title: Re: Insurance
Post by: markmiwurdz on June 22, 2018, 04:44:32 pm
Don't mind Silver, Dalyer....he was probably on Baker's corner stirring it...........always at it.

Figment of your imagination....
Title: Re: Insurance
Post by: silverbullet on June 22, 2018, 11:22:57 pm
Don't mind Silver, Dalyer....he was probably on Baker's corner stirring it...........always at it.
The insurance has scone sky high.
Title: Re: Insurance
Post by: Mooretaxi on June 22, 2018, 11:40:10 pm
Some drivers don’t bother with such trivial things like insurance
https://twitter.com/gardatraffic/status/1010062065271279616?s=21
Title: Re: Insurance
Post by: The Liffey Lip on June 23, 2018, 06:09:22 am
Don't mind Silver, Dalyer....he was probably on Baker's corner stirring it...........always at it.
The insurance has scone sky high.

On a knead the dough basis.
Title: Re: Insurance
Post by: silverbullet on June 23, 2018, 11:02:39 pm
Don't mind Silver, Dalyer....he was probably on Baker's corner stirring it...........always at it.
The insurance has scone sky high.

On a knead the dough basis.
My Wife reckoned my two favourite topics are Politics and Curranty bends!
Title: Re: Insurance
Post by: taxi1990 on June 26, 2018, 10:57:22 pm
renewal time for me. my insurer are still being greedy. should i contact the other two insurers myself or contact a broker and see what they can do?
Title: Re: Insurance
Post by: Belker on June 27, 2018, 06:50:38 am
renewal time for me. my insurer are still being greedy. should i contact the other two insurers myself or contact a broker and see what they can do?
Do both.
Title: Re: Insurance
Post by: dalymount on July 05, 2018, 02:19:31 pm
BJP got back to me this morning with a quote 1790 without bonus protection .their advice was ,that I wiuld be crazy to accept this quote without bonus protection, but to take it WITH protection would increase it to 2270
Title: Re: Insurance
Post by: Rat Catcher on July 05, 2018, 04:37:35 pm
Ask them to guarantee that they will not apply loading to future quotes in the event of any claims.
Title: Re: Insurance
Post by: Bob Shillin on July 05, 2018, 04:42:21 pm
I'm now convinced, that if you report an accident to your insurance company, and it turns out to be 100% the other party's fault, you get paid by their insurance, and make no claim on your own insurance, that your premium will go up anyway, based on the fact that you were involved in an accident.
Title: Re: Insurance
Post by: Rat Catcher on July 05, 2018, 05:38:13 pm
All evidence suggests that is the case, BS. Also, evidence suggests that "bonus protection" isn't worth the paper it's written on as they negate any advantage through loading. Of course, they will explain that it's all in the small print. In short, they are a shower of gangsters selling worthless chits. As Watty noted some time ago, most men (who are theoretically indemnified) would struggle to stay in business if found liable for an ACCIDENT and/or were victims of car theft. In many cases it makes more sense to buy a forged cert and disc in Chinatown.
Title: Re: Insurance
Post by: dalymount on July 05, 2018, 07:21:08 pm
Well it has been my experience that rat is correct.I was about to avail of the quote from alliwnz for 1823,until they informed me I couldnt.they said this was because I was involved in an accident.they accepted it was an none fault accident,but still said that because a claim was made,they had to withdraw,the quote.fukk them I did slightly better with BJP anyway
Title: Re: Insurance
Post by: Belker on July 06, 2018, 02:56:45 pm
BJP got back to me this morning with a quote 1790 without bonus protection .their advice was ,that I wiuld be crazy to accept this quote without bonus protection, but to take it WITH protection would increase it to 2270

Whichever, Take it, Pay it, Happy Days !!
Personally I'd take the 2270 with NCP.
Title: Re: Insurance
Post by: ToshaPaskey on July 07, 2018, 10:26:51 pm
Don't you use any written agreement about each and every aspect of insurance? You just made me afraid because as a new Uber driver, I am also looking to get insurance for my cab. I think if you conduct research about [Don't you use any written agreement about each and every aspect of insurance? You just made me afraid because as a new Uber driver, I am also looking to get insurance for my cab. I think if you conduct research about taxi insurance quotes ( https://www.insuremytaxicab.co.uk/ (https://www.insuremytaxicab.co.uk/) ) and services before having an agreement then you would be more knowledgeable about your insurance deal.  ::)
Title: Re: Insurance
Post by: Rat Catcher on July 08, 2018, 02:38:30 pm
... and for those of us who speak English?
Title: Re: Insurance
Post by: The Liffey Lip on July 09, 2018, 05:14:31 pm
The contributory negligence conundrum........as Notorious B.I.G. once rapped...."there ain't no bizzyness like Ho' bizzyness. Shower of cunting brassers the lot of them...
Title: Re: Insurance
Post by: Taxi driver42 on July 10, 2018, 01:08:00 am
Don't you use any written agreement about each and every aspect of insurance? You just made me afraid because as a new Uber driver, I am also looking to get insurance for my cab. I think if you conduct research about [Don't you use any written agreement about each and every aspect of insurance? You just made me afraid because as a new Uber driver, I am also looking to get insurance for my cab. I think if you conduct research about taxi insurance quotes ( https://www.insuremytaxicab.co.uk/ (https://www.insuremytaxicab.co.uk/) ) and services before having an agreement then you would be more knowledgeable about your insurance deal.  ::)





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