Irish Taxi Forum
Public Area => Taxi Talk => Topic started by: TaxiMark on September 14, 2018, 04:23:20 am
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Hello lads and lassies, newbie to the site.
I'm driving a joe nearly 20 yrs. Had a bang over a year ago in which I was at fault (first one ever). Insurance renewal is in about 5 -6 weeks. I'm with axa, and expecting to be clobbered. Just wondering if any of yis were in a similar situation or have any insight as to what kind of quote I may be facing?
Basically looking for any advice which might help to keep costs down, was with BJP for years, then went to liberty and recently back to axa. I'm aware with a claim pending .... they have me over a barrel, just wondering if anyone of you had similar experience/advice to offer, and if the likes of Ben Mc Ardle are worth a go ....etc?
Thx Mark.
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I'm no expert in this field, but when the experts do arrive their questions will be;
Did you have NCB protection ?
If the claim was settled, then about how much was it settled for ?
If your 'Bang' was over a year ago, then how much was your last quote
considering the claim was then pending ?
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I know a bloke in a similar situation and his went up from 2.5k to 5.2k, he reckons there was about a grands worth of damage to the both cars and no personal injuries taken
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Sometimes it can be better to settle it yourself if there are no personal injury claims,but the problem with that is,when they meet up with the bar stool lawyers,they soon develope whiplash
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As Ken notes there are many variables. However, insurance firms never reveal formulae used to dream up quotes, they always say quotes are based on individual circumstances hence they may differ wildly even in circumstances that appear quite similar. In reality you will have to wait until you get your quote but there are a few factors we can ascertain from various drivers' experiences.
The premium will be calculated as a base figure + x% loading for claims + y% loading for penalty points - z% NCD. Loading % (x and to a lesser extent y) vary depending on "circumstances" but it seems that a much higher % will apply to x if you have NCD protection or if step back NCD applies, essentially the % used will negate any perceived advantage attached to such "protections" - may seem fraudulent but it's all in accordance with the T&Cs attached to the policy.
Whether they have you by the testicles or not depends on the amount of the claim. Different firms have different limits for claims in the preceding 3/5 years for new quotes. Always try to shop around, all they can say is no.
As DM notes, if there's no personal injuries and you can reasonably conclude that none will materialise before the Statute of Limitations expires it could make sense to settle the claim yourself. Most insurance firms (probably all?) will afford you the opportunity to repay settled claims so you can assess the net cost/benefit when you receive your renewal notice/quote. This might seem like a strange or foolish thing to do given that you've already handed the thieving bastards four figures to for indemnity but, in reality, what you get for the small fortune is a worthless chit. In the event of a claim they'll get the whole lot back from you with interest one way or the other should you wish to continue trading.
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Hello lads and lassies, newbie to the site.
I'm driving a joe nearly 20 yrs. Had a bang over a year ago in which I was at fault (first one ever). Insurance renewal is in about 5 -6 weeks. I'm with axa, and expecting to be clobbered. Just wondering if any of yis were in a similar situation or have any insight as to what kind of quote I may be facing?
Basically looking for any advice which might help to keep costs down, was with BJP for years, then went to liberty and recently back to axa. I'm aware with a claim pending .... they have me over a barrel, just wondering if anyone of you had similar experience/advice to offer, and if the likes of Ben Mc Ardle are worth a go ....etc?
Thx Mark.
For a lad that's driving two decades
Ye haven't heard about insurance Scum gouging taxi drivers
They were at it when when you started into the game 20 years ago.
But now you'll more than likely get arse raped,
Just breathe in it might not be as bad as WE think.
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Hello lads and lassies, newbie to the site.
I'm driving a joe nearly 20 yrs. Had a bang over a year ago in which I was at fault (first one ever). Insurance renewal is in about 5 -6 weeks. I'm with axa, and expecting to be clobbered. Just wondering if any of yis were in a similar situation or have any insight as to what kind of quote I may be facing?
Basically looking for any advice which might help to keep costs down, was with BJP for years, then went to liberty and recently back to axa. I'm aware with a claim pending .... they have me over a barrel, just wondering if anyone of you had similar experience/advice to offer, and if the likes of Ben Mc Ardle are worth a go ....etc?
Thx Mark.
For a lad that's driving two decades
Ye haven't heard about insurance Scum gouging taxi drivers
They were at it when when you started into the game 20 years ago.
But now you'll more than likely get arse raped,
Just breathe in it might not be as bad as WE think.
Mark, as you might expect there are a number of very distrustful and cynical people here, most of them being angry at themselves rather than the newcomer. Many have had bad experiences posting personal details online in some other capacity such as dating apps and porn channel services, so go easy and forgive them their transgressions.
There are a number of well-rounded and grounded individuals with no previous psychiatric containment or dependence on chemicals/synthetic highs. You can discern for yourself over time who these folks are. Now, as I myself recall, having posted early on in my short time on this forum, the advice given by Rat Catcher or John M tends to err on the side of sane and sanitised, respectively. Some forum members react rather badly to others mentioning "accidents" or "crashes" for varying reasons. One particular erstwhile poster I remember went ballistic at another current member for referring to a crash whereby the former had sustained somewhat dubious injuries etc. He seldom posts here now as I suspect he sees every thing outside plant or animal as the "enemy".
Keep it safe and mundane and the dogs will eventually stop sniffing your arse and give you the odd lick. Good luck and watch for the P.M. kings....you'll soon learn.
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depends on what was settled expect at least 60% increase at best .
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PM kings?
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You are at the mercy of the axa actuaries and how they feel on the day they are gods in their own world.
A lot will depend on the pay out anyways they have you now they own your ass nobody else will touch you now.
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PM kings?
Yes...? PM Dawn and PM Dusk....they sell all shades of shite here.
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PM kings?
Yes...? PM Dawn and PM Dusk....they sell all shades of shite here.
They must know I've fuck all money because I never get PMs.
Just like taxinark probably will be in 5 or 6 weeks time when he gets his quote, penniless. Depending on what your current policy was I'd say add at least 50%. But it all depends on the various variables into the insurance game. As you'd well know with your 20 years experience
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Ah...set adrift on memory bliss....not up on PM Dusk though!!
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Prepared to be fucked Over, that way you won't be disappointed.
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Ah...set adrift on memory bliss....not up on PM Dusk though!!
She's obviously under 52 then?
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Ah...set adrift on memory bliss....not up on PM Dusk though!!
She's obviously under 52 then?
Absolutely!
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Hello lads and lassies, newbie to the site.
I'm driving a joe nearly 20 yrs. Had a bang over a year ago in which I was at fault (first one ever). Insurance renewal is in about 5 -6 weeks. I'm with axa, and expecting to be clobbered. Just wondering if any of yis were in a similar situation or have any insight as to what kind of quote I may be facing?
Basically looking for any advice which might help to keep costs down, was with BJP for years, then went to liberty and recently back to axa. I'm aware with a claim pending .... they have me over a barrel, just wondering if anyone of you had similar experience/advice to offer, and if the likes of Ben Mc Ardle are worth a go ....etc?
Thx Mark.
For a lad that's driving two decades
Ye haven't heard about insurance Scum gouging taxi drivers
They were at it when when you started into the game 20 years ago.
But now you'll more than likely get arse raped,
Just breathe in it might not be as bad as WE think.
Mark, as you might expect there are a number of very distrustful and cynical people here, most of them being angry at themselves rather than the newcomer. Many have had bad experiences posting personal details online in some other capacity such as dating apps and porn channel services, so go easy and forgive them their transgressions.
There are a number of well-rounded and grounded individuals with no previous psychiatric containment or dependence on chemicals/synthetic highs. You can discern for yourself over time who these folks are. Now, as I myself recall, having posted early on in my short time on this forum, the advice given by Rat Catcher or John M tends to err on the side of sane and sanitised, respectively. Some forum members react rather badly to others mentioning "accidents" or "crashes" for varying reasons. One particular erstwhile poster I remember went ballistic at another current member for referring to a crash whereby the former had sustained somewhat dubious injuries etc. He seldom posts here now as I suspect he sees every thing outside plant or animal as the "enemy".
Keep it safe and mundane and the dogs will eventually stop sniffing your arse and give you the odd lick. Good luck and watch for the P.M. kings....you'll soon learn.
Hang on till I get my Enigma machine out, for fucks sake.
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Thanks for replies.........
To give a clearer picture. There are 2 personal injury claims (one already settled). The accident happened closely prior to renewal date last year, claims were only made after I had renewed. I had no protection (the first time in a decade I'd say), was trying to keep cost down, as it had rose sharply in the previous yr or two. I'm expecting a high quote, but am thinking if its in double figures........I'm out of business.
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If my insurance goes over 2k I'm considering fecking off.There's no chance I'd wanna stay in business at 10k.Isn't worth the extra hours.
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Sometimes it can be better to settle it yourself if there are no personal injury claims,but the problem with that is,when they meet up with the bar stool lawyers,they soon develope whiplash
mistake...
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I know a bloke in a similar situation and his went up from 2.5k to 5.2k, he reckons there was about a grands worth of damage to the both cars and no personal injuries taken
I've heard of this kind of stuff. How...purely from a maths point of view, can they pay out 2k, then hit you for more than 3K extra?, and thats just year one! It'll probably reduce to 4k the next year.....3k the year after etc. So for paying out 2k, they've got probably an extra 7k or 8k PROFIT !!
They're a shower of scummy cuns ::rant
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Sometimes it can be better to settle it yourself if there are no personal injury claims,but the problem with that is,when they meet up with the bar stool lawyers,they soon develope whiplash
mistake...
Why is it a mistake?,if you fix someone up out of your own money and they know it they would be less likely to develop compensation symptoms.
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Mark an extra grand is just a score a week unlike a lad working 40 in a Paye job you can earn it and write it off against tax its less than 15 notes or a packet of smokes a week .They are cunts but they dont want to put you out of business if they do they get nothing .Look on the good side you were not hurt .
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Sometimes it can be better to settle it yourself if there are no personal injury claims,but the problem with that is,when they meet up with the bar stool lawyers,they soon develope whiplash
mistake...
Why is it a mistake?,if you fix someone up out of your own money and they know it they would be less likely to develop compensation symptoms.
The reply above I gave to Tony, I originally attached to Dalymount....which was the "mistake"...
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Mark an extra grand is just a score a week unlike a lad working 40 in a Paye job you can earn it and write it off against tax its less than 15 notes or a packet of smokes a week .They are cunts but they dont want to put you out of business if they do they get nothing .Look on the good side you were not hurt .
I hear you John, but if it were an extra 8k or 9k thats obviously an extra €160 - €180 per week. I'm very thankful I wasnt hurt. Claimants had minimal injuries, just milking the broken system (kinda dont blame them).
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Mark an extra grand is just a score a week unlike a lad working 40 in a Paye job you can earn it and write it off against tax its less than 15 notes or a packet of smokes a week .They are cunts but they dont want to put you out of business if they do they get nothing .Look on the good side you were not hurt .
I hear you John, but if it were an extra 8k or 9k thats obviously an extra €160 - €180 per week. I'm very thankful I wasnt hurt. Claimants had minimal injuries, just milking the broken system (kinda dont blame them).
Cant see them increasing it by a huge amount 20 years counts for something .Good Luck .
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Ya know Axa insure Uber in Austrailia?Don't be surprised if the dicks are trying to put us to the wall to speed up the rideshare nonsense.
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Mark an extra grand is just a score a week unlike a lad working 40 in a Paye job you can earn it and write it off against tax its less than 15 notes or a packet of smokes a week .They are cunts but they dont want to put you out of business if they do they get nothing .Look on the good side you were not hurt .
I hear you John, but if it were an extra 8k or 9k thats obviously an extra €160 - €180 per week. I'm very thankful I wasnt hurt. Claimants had minimal injuries, just milking the broken system (kinda dont blame them).
Cant see them increasing it by a huge amount 20 years counts for something .Good Luck .
You're ole school like meself John, you'd like to think it counts for something. But once the NCB is gone, you're just like a brazor to these cuns and they'll ride you just the same with the same contempt
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Anyone get quote from Ben McArdle? just curious
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Thanks for replies.........
To give a clearer picture. There are 2 personal injury claims (one already settled). The accident happened closely prior to renewal date last year, claims were only made after I had renewed. I had no protection (the first time in a decade I'd say), was trying to keep cost down, as it had rose sharply in the previous yr or two. I'm expecting a high quote, but am thinking if its in double figures........I'm out of business.
I'm with Axa/BJP. They didn't send out all the documentation this year. But buried in the small print in previous years, my 'base' premium with Axa/BJP is 6k and the NCB of 60% brings it down to around 2.4k. So if you're in the same boat with no NCB-protection, will it go up to 6k for you? Sorry to be alarmist. Everyone's worst nightmare.
Maybe go into BJP in person and talk to them. I think they're supposed to be on your side?
But, like JohnM said, don't look at the big number, look at how much it is per week and it might not seem so bad then?
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Thanks for replies.........
To give a clearer picture. There are 2 personal injury claims (one already settled). The accident happened closely prior to renewal date last year, claims were only made after I had renewed. I had no protection (the first time in a decade I'd say), was trying to keep cost down, as it had rose sharply in the previous yr or two. I'm expecting a high quote, but am thinking if its in double figures........I'm out of business.
I'm with Axa/BJP. They didn't send out all the documentation this year. But buried in the small print in previous years, my 'base' premium with Axa/BJP is 6k and the NCB of 60% brings it down to around 2.4k. So if you're in the same boat with no NCB-protection, will it go up to 6k for you? Sorry to be alarmist. Everyone's worst nightmare.
Maybe go into BJP in person and talk to them. I think they're supposed to be on your side?
But, like JohnM said, don't look at the big number, look at how much it is per week and it might not seem so bad then?
Thanks watty. I'll wait til the quote arrives ......see how bad it is then make the necessary phone calls.
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Mark like the lads were saying,its grand to have a monthly payment option.its not easy for people ,some have a lot of other domestic issues as well on top of things like anual insurance.best of luck mate
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Dollymount What went on in Dalymount last night ..Great result .
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Mark like the lads were saying,its grand to have a monthly payment option.its not easy for people ,some have a lot of other domestic issues as well on top of things like anual insurance.best of luck mate
Cheers Dalymount. I'll keep yis posted
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Dollymount What went on in Dalymount last night ..Great result .
Ah ! Yea ! Rub it in why don't ya !!
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Thanks for replies.........
To give a clearer picture. There are 2 personal injury claims (one already settled). The accident happened closely prior to renewal date last year, claims were only made after I had renewed. I had no protection (the first time in a decade I'd say), was trying to keep cost down, as it had rose sharply in the previous yr or two. I'm expecting a high quote, but am thinking if its in double figures........I'm out of business.
I would hazard a Wild, Wild uneducated guess at 7 to 8.5K,
I don't think they will go Double figures as after 20 years
they don't want to risk losing you.
P.S. Best of Luck.
And keep us updated.
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Who here would stay in business with an 8k quote?Not me anyway. Realistically 2.5k is my limit.I'd make more doing something else.
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Who here would stay in business with an 8k quote?Not me anyway. Realistically 2.5k is my limit.I'd make more doing something else.
I pay 7 and do just fine.
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Not a chance for me unfortunately.Those numbers you're posting aren't sustainable long term Vandriver.You'll most likely burn out at some point.I know it's hard to believe now because you think were just lazy but you'll get there too.
If ya had of worked during the recession you'd be almost certainly burned out doing 14 hour days for a ton.The only guys left putting in big numbers are the renters and blokes who got fukked out by their wives because they've nowhere else to be.
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When Kenco pulled out of the taxi market I had to pay 5 for two consecutive years,as nobody else would quote me with 6 penalty points
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5k would see me walking away.My car needs changing in a couple of years too which is another big expense.I'd be back on the motorbike in a flash.
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Who here would stay in business with an 8k quote?Not me anyway. Realistically 2.5k is my limit.I'd make more doing something else.
I pay 7 and do just fine.
Wow ! 7 is big, and we complain about paying 2.5.
At least it will come down over the years VD.
You really need to get your own Rig sorted.
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Who here would stay in business with an 8k quote?Not me anyway. Realistically 2.5k is my limit.I'd make more doing something else.
I pay 7 and do just fine.
No wonder he has to earn 300 a day ffs rofl rofl
We’ll all come visit you in Dundrum when you burn yours of out. Actually no we won’t because we will be celebrating having 1 less competing against us.
As someone else said, we aren’t lazy, we just know our limits, oh and we own our own cars.
When Kenco pulled out of the taxi market I had to pay 5 for two consecutive years,as nobody else would quote me with 6 penalty points
And I thought you were an angel on the roads Dalyer. Naughty naughty
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You all think I do 70 or more hours a week ....I don't!
I am always gold on mytaxi,and get on average 2 jobs an hour for my 45 hours a week.
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No I believe ya, I just wouldn't want your tax liability though.Most of us owner-drivers wouldn't have a renter's expenses so it's not worth doing all them app jobs to end up with a big bastard of a tax bill IMO.
By my rubbish calculations, you've got easily an extra 20k per year to claim as expenses compared to an owner-driver.
7k insurance(holy fukking Mary)
9k rental(50*180?)
5k Fuel?
5k+ Mytaxi commision?
So even when you eventually own yer own rig and get the insurance down to 2k your tax liability will be perhaps 7k? a year covering all that app work..I'd rather be poor than give the revenue that much money.
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We'll all get to that stage when the bills come down and you'll end up working less hours,i've already hit that point,know what i need to make and i make it.
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Who here would stay in business with an 8k quote?Not me anyway. Realistically 2.5k is my limit.I'd make more doing something else.
I pay 7 and do just fine.
Never thought I'd be saying this..............but I'd nearly be happy with 7K!
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No I believe ya, I just wouldn't want your tax liability though.Most of us owner-drivers wouldn't have a renter's expenses so it's not worth doing all them app jobs to end up with a big bastard of a tax bill IMO.
By my rubbish calculations, you've got easily an extra 20k per year to claim as expenses compared to an owner-driver.
7k insurance(holy fukking Mary)
9k rental(50*180?)
5k Fuel?
5k+ Mytaxi commision?
So even when you eventually own yer own rig and get the insurance down to 2k your tax liability will be perhaps 7k? a year covering all that app work..I'd rather be poor than give the revenue that much money.
And that’s why VD thinks we are lazy. We’ve all been there and worked hard and long shifts but that was long before app companies could be asked to produce your earnings. We’re all older, wiser and the bills aren’t too bad. We’ve worked to be this easy going.
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Jeeez 7k ? I think hard of paying the USC and prsi,never mind tax,but then again I only do about 25 hours a week
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The premium will be calculated as a base figure + x% loading for claims + y% loading for penalty points - z% NCD. Loading % (x and to a lesser extent y) vary depending on "circumstances" but it seems that a much higher % will apply to x if you have NCD protection or if step back NCD applies, essentially the % used will negate any perceived advantage attached to such "protections" - may seem fraudulent but it's all in accordance with the T&Cs attached to the policy.
@ Stephen;
I just got my insurance quote, it's 2800 which includes 680 fer the protected NCD.
I have a fair idea of what your advice to me would be, but I'd like to hear it anyway.
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Belker,
My advice would be to look at the OP. They took the NCB off their policy and the shit hit the fan. Can you afford for the shit to hit the fan?
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You all think I do 70 or more hours a week ....I don't!
I am always gold on mytaxi,and get on average 2 jobs an hour for my 45 hours a week.
The Gold status on MyTaxi is of very limited appeal to me as it only gets you an early peep at the pre-book screen and I as a night time driver have almost no interest in pre-books, I usually only ever average Silver on any given week.
What is important to me is being Ambassador and having Priority, that's gets me a small time advantage on the instant hails and the instant hails and street hails are my Bread n Butter.
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Belker,
My advice would be to look at the OP. They took the NCB off their policy and the shit hit the fan. Can you afford for the shit to hit the fan?
I don't wish fer the shit to hit the fan at all, but as Rats points out regardless if you have protected NCD or not, the shit will hit the fan anyway.
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Belker,
My advice would be to look at the OP. They took the NCB off their policy and the shit hit the fan. Can you afford for the shit to hit the fan?
I don't wish fer the shit to hit the fan at all, but as Rats points out regardless if you have protected NCD or not, the shit will hit the fan anyway.
I'd like to think that the NCB protection will mean I don't get taken for as big a ride if I had an accident
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I'd like to think that too, but at 680 per year, is it really worth it ?
Going by the Rats estimations you will get loaded regardless if'n
you are 'Protected NCD' or not.
When I First got 'Protected NCD', it was given to me fer 'Free'
fer being a long time customer, the year after it was a Deuce,
the year after it was a Trummer, Etc.
Last year it was Six n a bit but I still took it fer peace of mind.
At aged 53 and mostly driving like a Grandad with Zero P.P.'s,
is the 680 'Protected NCD' really worth it ?
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Mine is about that price too but I'll pay it for my piece of mind
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Mine is about that price too but I'll pay it for my piece of mind
That indeed was my same train of thought fer many years, but on reading the Rats tale I have kinda changed my mind.
Rats is No Fool when it comes to this kind of stuff;
The premium will be calculated as a base figure + x% loading for claims + y% loading for penalty points - z% NCD. Loading % (x and to a lesser extent y) vary depending on "circumstances" but it seems that a much higher % will apply to x (claims) if you have NCD protection or if step back NCD applies, essentially the % used will negate any perceived advantage attached to such "protections" - may seem fraudulent but it's all in accordance with the T&Cs attached to the policy.
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If having a full NCB gets me a 60% discount that would mean a current premium of €2k would be €5k without NCB, now load that €5k because of a claim and You are looking at €7k and increased premiums for a few years
€680 for a protected NCB with step back is worth it in my eyes
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If having a full NCB gets me a 60% discount that would mean a current premium of €2k would be €5k without NCB, now load that €5k because of a claim and You are looking at €7k and increased premiums for a few years
€680 for a protected NCB with step back is worth it in my eyes
I would agree, IF THE PREMIUM WAS ACTUALLY 'PROTECTED',
but seemingly it's not, the insurance companies have all types
of Loading charges and if you have a Tip then your NCB is protected,
but your Base rate increases by about 200% !
The Rat will be on later and explain it in more detail to us.
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I'll wait til himself gets bored of dreaming about building his shed so lol lol
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I'll wait til himself gets bored of dreaming about building his shed so lol lol
He is a driven man that shed WILL get built SOMETIME probably .
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Based on the few cases I've seen (and a few others I've heard of) the loading % is significantly higher where NCD protection or step back NCD applies. As an aside step back NCD is free with Liberty, which is probably about what it is worth.
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He is a driven man that shed WILL get built SOMETIME probably .
Bit sidetracked now, landscaping the rest of the yard first at the rate of approx 1 hour work per day. TBH, it's more for exercise than anything else... cheaper than joining a gym and I might end up with something to admire in a few years if I don't lose interest in the interim. I don't have green fingers so it's quite difficult to get enthused by any of it. Might get someone to put a shed up in the spring, we'll see how it goes!
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Rat dont worry about not having green fingers,in 1977 ,due to a strange sequence of events,I was bord failte national garden champion,yet I know fukk all about gardening
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Rat dont worry about not having green fingers,in 1977 ,due to a strange sequence of events,I was bord failte national garden champion,yet I know fukk all about gardening
Did you plant a Hundred thousand Welcomes?
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Silver in 1977 I was working for a company called Glaxo laboratories in rathfarnham.I was the gardiner there.I cannot claim ti be responsible for the lay out of the magnificent gardens they had,but I was the only gardener there,and it was my job to maintain they to a high standard.I was walking around the place one day,and I bumped into the MD. He complimented me on how the place was looking,and suggested he would enter it for the competition.well to make a long story short,he did and we won we actually won it a further 3 or 4-times after that
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Silver in 1977 I was working for a company called Glaxo laboratories in rathfarnham.I was the gardiner there.I cannot claim ti be responsible for the lay out of the magnificent gardens they had,but I was the only gardener there,and it was my job to maintain they to a high standard.I was walking around the place one day,and I bumped into the MD. He complimented me on how the place was looking,and suggested he would enter it for the competition.well to make a long story short,he did and we won we actually won it a further 3 or 4-times after that
Fair Dinkum DM ! ::cheers ::cheers
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Based on the few cases I've seen (and a few others I've heard of) the loading % is significantly higher where NCD protection or step back NCD applies. As an aside step back NCD is free with Liberty, which is probably about what it is worth.
Cheers Stephen, that will knock 680 off my premium next week and might even encourage me to behave myself a little better on the road !
I wouldn't mind paying the 680 NCB protection fer peace of mind IF IT ACTUALLY WAS WHAT IT SEZ ON THE TIN !
Hopefully I can squeeze my premium in at under 2K, but I'm still keeping the 52.50Euro 'Roadside assist' on the policy.
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52 euro roadside assist ? I always thought breakdown service came free with every policy ?
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He is a driven man that shed WILL get built SOMETIME probably .
Bit sidetracked now, landscaping the rest of the yard first at the rate of approx 1 hour work per day. TBH, it's more for exercise than anything else... cheaper than joining a gym and I might end up with something to admire in a few years if I don't lose interest in the interim. I don't have green fingers so it's quite difficult to get enthused by any of it. Might get someone to put a shed up in the spring, we'll see how it goes!
The Barna shed is an easy option, fer a Bag a Sand you will get a 10 x 10 installed on site, and as you are long time married you probably won't need to carpet it or have the central heating and lecky installed !
lol
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52 euro roadside assist ? I always thought breakdown service came free with every policy ?
Nope ! It's an extra 52.50 with Axa.
To be fair it did get me outta Hell one night, the alternator blew in Carrigaline, a satelitte village 12K outside of Cork at 3am on the Sunday night of the October Bank holiday Jazz weekend, the rescue truck was with me in 40 minutes and got me started with enough power to get me home and he followed me all the way home to be sure that I made it. And no charge to me.
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Well I must say,im very surprised you had to pay.I always thought breakdown assistance was standard with every motir insurance policy
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Belker I've never needed any breakdown assist so removed it from the policy.When ya get yer Prius there's no alternator or starter motors so it's unlikely to happen again.
If something did happen you'd pay 150 to get towed.Very unlikely.
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The tow trucks will only drag your arse 30km,ok if you're living and working within the Dublin boundary....s'pose don't break down more than 30km from home.
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I broke down in mount mellary abbey in April this year,axa truck came out and got me going again it was the battery.like you Ken,he srayed behind me ,and there was no charge. All part of the policy.thats why in surprised you had to pay
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Upon your own head be it, Ken. I know a few lads who crashed soon after dropping NCD protection, could be tempting fate? Of course, it's impossible to draw concrete conclusions as all quotes and loadings are "assessed on a case by case basis". Maybe you should present them with a hypothetical scenario asking how the next quote would be affected with and without NCD protection although I'd be surprised if the racketeers would commit any response to paper.
I think I'll keep plugging away at the garden, DM. It was a lot easier when the kids were, well, kids... swings, a trampoline and grass to kick/hit a ball filled the space at various intervals!
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I went in fer me renewal this morning, the quote was fer 2860, but on presenting myself the lady told me that she could do it fer 2610 without me saying anything at all, so seemingly you get a circa 10% discount fer just turning up in person ??
I dropped the 680 NCBP off the policy (as I see it now as a Con if anything) and got the quote in at 1930, stating very loudly of my Zero penalty point status.
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I broke down in mount mellary abbey in April this year,axa truck came out and got me going again it was the battery.like you Ken,he srayed behind me ,and there was no charge. All part of the policy.thats why in surprised you had to pay
I'm with AXA aswell DM and I reckon if you read the back of your insurance document you will see that you too paid fer your break-down assist.
Remember this is an insurance company, Fook all is on the front page, all the terms and conditions and extras are on the back pages.
Mount Mellary is a nice spot, I love the little grotto at the bottom of the hill, very placid.
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......Maybe you should present them with a hypothetical scenario asking how the next quote would be affected with and without NCD protection although I'd be surprised if the racketeers would commit any response to paper.....
I was thinking about doing that but as yerwan had shaved a Deuce n a Half off the quote without me even asking then I didn't feel the need to piss her off. I kinda had my mind made up anyway going in, and thanks fer all the advice Stephen.
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Every single time someone posts that they got an increase and then a couple of hundred off yis sound really happy.Ya know the insurance cunts look in here?They must think we're gobshites.It's still a fuckin increase.Be more outraged ffs.
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I am Outraged ! 150 fer 2 new tyres + tracking this morning adding on to 330 fer service and brake discs and then 1930 fer insurance, it was a very expensive morning fer me. And now with double NCT and double suitability both now due it won't be getting any cheaper !
And the Taxman looming around the corner in October !!
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Don't start cryin the poor mouth now Ken....with your trummers,double trummers and treble trummers throughout the year,the taxman knows what you're about...sure how couldn't they!!
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I am Outraged ! 150 fer 2 new tyres + tracking this morning adding on to 330 fer service and brake discs and then 1930 fer insurance, it was a very expensive morning fer me. And now with double NCT and double suitability both now due it won't be getting any cheaper !
And the Taxman looming around the corner in October !!
what is happening to rural ireland at all. my tax bill meant i had to sell the both Aberdeen Anguses to cover the claims.
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Don't worry Whitey....you still have the shpuds...ye won't shtarve!!
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Toyota Avensis T-Spirit for sale 2005.
€550 O.N.O.
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Toyota Avensis T-Spirit for sale 2005.
€550 O.N.O.
Oh no!
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100 for scrap
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Are you offering 100 or asking for 100 to take it away? I think the council charge c.€200.
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Are you offering 100 or asking for 100 to take it away? I think the council charge c.€200.
I think he wants a fight for a 100 bucks. Lol
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Toyota Avensis T-Spirit for sale 2005.
€550 O.N.O.
*SOLD*.
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why is all your insurance so expensive i have insurance for 1800 alright it has doubled since 2013 which i am pissed about, but with my new car in jan 2018 it didnt even go up??? ps have you all had accidents?
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Must be because you're more amazing than us
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Max no claim, 6 points due off 2019. Car valued €22k. Premium €2900.
Was €1200 for a long time, then €1600, €2400, €2900 Allianz.
Axa won't insure with +5 points.
I believe that they put up my base premium last year because I had a 100%, not my fault, claim settled by the other car owner's insurance.
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Bob, my reply to post to the overall post must seem like i am being a smart ass, hence response response from weird all asshole as he aint got nothing useful to add!! but you guy seems you been treated unfair i always go through a broker and i am with AXA if you can move from alliance and before the other twat who posted states no i am a taxi driver 13 years never had an accident or points, next time bob start shopping.
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why is all your insurance so expensive i have insurance for 1800 alright it has doubled since 2013 which i am pissed about, but with my new car in jan 2018 it didnt even go up??? ps have you all had accidents?
it's a stupid question. How the fuck would we know why your insurance is lower than ours? Insurance companies load premiums for many unknown reasons. I've no points yet mine is higher than the figure you've just posted. As for shopping around.. 3 companies to choose from, doesn't take long to do that does it..
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why is all your insurance so expensive i have insurance for 1800 alright it has doubled since 2013 which i am pissed about, but with my new car in jan 2018 it didnt even go up??? ps have you all had accidents?
it's a stupid question. How the fuck would we know why your insurance is lower than ours? Insurance companies load premiums for many unknown reasons. I've no points yet mine is higher than the figure you've just posted. As for shopping around.. 3 companies to choose from, doesn't take long to do that does it..
Was wonderin where me pulpit went!!
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weird, heres why my insurance is lower than yourself. 2008 i received my renewal which was same as year before 1245 or there abouts so i rang broker and nothing they could do as that was under regulations to give me best price for policy with insure, okay i argue with them and i ring another broker and get the same policy for 20 euro cheaper and also with a different insurance company but i must produce all documents as you would. the next year i get 2009 i get a letter from old broke offering me the same insurance for including broker fee 980 euro boom i take it. then the up everyones insurance 2011 and again 2013 hence the price i have. so weird the give me discount to come back and next year they double, your insurance willl reduce next year or remain the same if it rises please contact the insurance ombudsman
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I suppose the devil is in the detail >:D >:D
Mine last insurance was €1986, full NCB, no points, wife on policy, off street parking.
Also that’s with breakdown, driver accident cover and my no claims bonus protected(€680)
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Last year I was getting crazy quotes.€2850 was the lowest.This is with full NCB and zero penalty points.I rang a broker in Roscommon and he got it for €1995 from Allianz who wouldn’t even quote me directly.Just got my renewal with a newer car and it’s coming in at €1585 which I’m happy with.
So try them if your renewing.
Jim Mannion Insurance
071-9633174
Ask for David.
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Nice one Phsyco,
Where you been hidin anyway?
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Sold up and moved house so I’ve been up to my bollox with tiling,wooden floors and all things diy. Nearly there though thank fuk
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Good to see you back Phsyco, best of luck with the moving house bit.
Are you still in Galway ?
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weird, heres why my insurance is lower than yourself. 2008 i received my renewal which was same as year before 1245 or there abouts so i rang broker and nothing they could do as that was under regulations to give me best price for policy with insure, okay i argue with them and i ring another broker and get the same policy for 20 euro cheaper and also with a different insurance company but i must produce all documents as you would. the next year i get 2009 i get a letter from old broke offering me the same insurance for including broker fee 980 euro boom i take it. then the up everyones insurance 2011 and again 2013 hence the price i have. so weird the give me discount to come back and next year they double, your insurance willl reduce next year or remain the same if it rises please contact the insurance ombudsman
Smart man. Well clued in.
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the insurance cunts make my piss boil.
they're like del boy down the market.
spoofing and skiving their holes off.
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Last year I was getting crazy quotes.€2850 was the lowest.This is with full NCB and zero penalty points.I rang a broker in Roscommon and he got it for €1995 from Allianz who wouldn’t even quote me directly.Just got my renewal with a newer car and it’s coming in at €1585 which I’m happy with.
So try them if your renewing.
Jim Mannion Insurance
071-9633174
Ask for David.
Seems very cheap by recent quotes. Is it significantly cheaper outside Dublin generally?
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I work in Dublin but live in Cavan.Shouldnt do anything to the price where I live.If you work Dublin you pay Dublin prices.Try that broker.It costs a phone call.
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The broker must be telling leaving out some vital info.How could they get a better deal over every other broker in Dublin considering there's only 3 companies covering taxis?
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Boggers always get better quotes.
Actuaries base their figures on areas, not areas worked.
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Rang that broker on Monday. Said he'd get back to me in a few days. Still no word. How long does it take to get?
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My insurance quote arrived today from BJ Pierce....€2135...doesn't generally arrive until about two weeks before its due(end of Jan)...i might ring around...probably a waste of time.
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Indeed... hard to imagine you have much time on your hands.
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Indeed... hard to imagine you have much time on your hands.
Up to me bollox!
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My insurance quote arrived today from BJ Pierce....€2135...doesn't generally arrive until about two weeks before its due(end of Jan)...i might ring around...probably a waste of time.
That sounds about right, be sure to keep the breakdown assist, it got me outta a right hole at 6pm last Friday evening in the pissing rain.
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My insurance quote arrived today from BJ Pierce....€2135...doesn't generally arrive until about two weeks before its due(end of Jan)...i might ring around...probably a waste of time.
Keep the bonus protection too.
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Anyways....made a few phonecalls last week,rang Jim Mannion,gave all my details and waiting for a call back,was on to First Ireland,gave me a quote of €2140...told him that was €5 dearer that my current AXA quote,he said hang on and i'll ring Alliance direct,came back with €2055,i'll see if Jim Mannion come back with a decent quote.
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Drop the bonus protection and that will knock off a few tonn
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Change the policy excess to €500 from €250 and see what the difference is
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Would like to hold on to the bonus protection....didn't know you could adjust the excess on a motor policy.
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Would like to hold on to the bonus protection....didn't know you could adjust the excess on a motor policy.
Of course you can change the excess!
It’s the amount you pay in the event of a claim. Most are €250, change to €500 could be a few hundred in the difference in the price of your policy
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Would like to hold on to the bonus protection...........
The 'Bonus protection' sham has been Dragged through the Mill on this topic a few pages back.
If ya have a tip that is your fault then you are going to get Loaded either way whether you are on Bonus protection or not.
After reading the comments on here I dropped the 680Euro Bonus protection they offered last year.
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@ Hal, read replies numbered 49 to 78 on this thread about Bonus protection.
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In the process of getting renewal quotes myself... thanks to contributors here for one or two firms I wouldn't have thought of. I've grouped details together in the Useful Numbers thread of the members area for handy future reference. Feel free to add any others.
http://intaxi.org/forum/index.php?topic=8417.msg89238#msg89238 (http://intaxi.org/forum/index.php?topic=8417.msg89238#msg89238)
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I rang around....Jim Mannion came in at €2,500
First Ireland quoted me €2140...but i told them that was €5 more than my current renewal quote from AXA,he came back with €2055 but on reviewing the quote on paper it clearly said bonus protection was NOT included but step back protection was.
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Brian J Pierce is leading the field for me @ €1,920... Taxi Fair @ €2,100... Liberty out of the running @ way too much... First Ireland and Jim Mannion yet to weigh in. However, it varies for everybody so the best advice is to ring around.
Having a nightmare getting post from Liberty (my current insurer) at the moment. They sent my renewal documents on 21st December and last Tuesday and the cert/disc for my shitebox nua last Thursday but I haven't received any of it. Got on to them today and they emailed my NCD cert so I'll be able to renew elsewhere but they have no facility other than post for the other documents. Obviously, I can't book my LRA without the cert/disc so it's terribly inconvenient. Not getting any answer from An Post's DSU and the only way their post differs from everyone else's (which I am getting) is that they include the Eircode.
However, I won't pretend that I'm not pleased to be leaving Liberty. While the ladies on the phone are always pleasant and helpful I dealt with one absolute prick with a nordy accent last week (Michael, if memory serves) who insisted that I couldn't do a temporary transfer and that the firm "wouldn't let me own a car that isn't covered"... I done the temporary transfer a couple of days later with no problem other than being charged a fee (€36.75) which I believe is because my policy is within the renewal window.
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Listening to some talking head on the telly this morning .He says a lot of UK registered insurers ,banks ,other financial services are opening offices in european cities to facilitate smooth transition to european regulations after brexit .then some waffle then he says he sees a SLIGHT increase in premiums to cover the extra costs that will be incured by these companies to continue business after Brexit .
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Brian J Pierce is leading the field for me @ €1,920..
I'm with them fuks for 17 yrs and you can get a cheaper quote from them!!
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They have you!
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1920 is that with,or without bonus protection ?
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With... all the bells and whistles included in both quotes... for now.... although at that price Ill probably keep it that way.
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Kinda hung up on my post issue at the moment, couldn't happen at a worse time and still no answer from the DSU. I've used their online contact form to send them a strongly worded message as follows:
My post seems to be going missing. I don't think I've received anything since Christmas and I'm aware of several letters posted from one source (Liberty Insurance) which have not been delivered including a letter posted on 21 Dec, a letter posted on 8 Jan and three letters (one urgently required) posted on 10 Jan. My address is [removed]. I have made several attempts to contact my local DSU by telephone (8020144) and received no answer.
Please advise ASAP.
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I'm with them fuks for 17 yrs and you can get a cheaper quote from them!!
Go on then, share the secret - did you have to sleep with one of the office staff?
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I rang around....Jim Mannion came in at €2,500
First Ireland quoted me €2140...but i told them that was €5 more than my current renewal quote from AXA,he came back with €2055 but on reviewing the quote on paper it clearly said bonus protection was NOT included but step back protection was.
What's the difference, do you need and do you know?
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Jim Mannion is the first in with 2070, I am with Lib, who were 2300 last year.
That's a good Saturday night in my poka ! ::fuck
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Who is the underwriter for Jim Mannnion?
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Broker, only Allianz and Lib.
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In today's market, €1920.00 is not unreasonable.
Please ensure it has bonus protection, you just never know.
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1920 is actually outrageous, considering just a few years ago you could have dropped the 1 from the quote.but as you say silver,in TODAYS world its ok
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I'm with Allianz direct. First Ireland quoted dearer last year with Allianz as underwriter.
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I thought first Ireland stopped doing taxi ins 2 years ago ?
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I thought first Ireland stopped doing taxi ins 2 years ago ?
AFAIK they don't insure newcomers and a minimum no claims bonus for drivers looking to change insurers on renewal...which i think might be 2 or 3 years.
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I since found out that it was Kenco who stopped doing taxi ins.first Ireland were the brokers for them,but first Ireland still do it with AXA I told
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I rang around....Jim Mannion came in at €2,500
First Ireland quoted me €2140...but i told them that was €5 more than my current renewal quote from AXA,he came back with €2055 but on reviewing the quote on paper it clearly said bonus protection was NOT included but step back protection was.
@ Hal, read replies numbered 49 to 78 on this thread about Bonus protection.
'Step back' and 'Bonus protection' are all scams, the reality is if you have a claim you are going to get Loaded big time regardless if you have the poxy Step back or Bonus protection.
My 'Bonus protection' quote last Oct was fer 680Euro, I probably would have paid it fer Peace of Mind thinking that my cover WAS actually Protected, but seemingly it's NOT so why bother paying it. I didn't.
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Brian J Pierce is leading the field for me @ €1,920..
I'm with them fuks for 17 yrs and you can get a cheaper quote from them!!
1,920 is about right, I paid 1930 last October without Step back or Bonus protection,
but I kept the Road side assist (52.50) and windscreen breakage (Free).
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Belker I cannot understand why you are paying extra,dor breakdown assistance.my understanding is that almost all insurance policies,offer this feature
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You're correct, DM. I agree wholeheartedly. In 2015 my insurance was €830, lower in 2014 but I don't have that exact figure to hand.
I also agree with Ken regarding NCD protection. I've come across several colleagues who thought they were protected but found out otherwise when they had claims. The devil is in the detail, the small print clearly gives the insurance firms the right to apply whatever loading they wish in the event of a claim thereby negating any perceived advantage. Of the cases I'm aware of loading is always substantially higher where the claimant has NCD "protection", I've seen it in black and white. However, the insurance firms will never be drawn into any discussion beyond pointing out the T&Cs that allow loading and telling you that every case is different. It's one of those things, you know you're being had but you don't want to tempt fate. As I said, at the rates quoted, I'll take it... stupid and all as that may be.
My post saga continued today. Went round to the DSU and was assured there's no issue with deliveries, regular man was out sick but is back now, etc... Got back home and there was two letters on the mat! One for Mrs. Catcher dated 14/01 and postmarked 14/01 and one from Liberty, the second renewal quote that they told me they posted on the 8th but the cover letter is dated 10th and the envelope has no postmark. So, having been convinced that Liberty aren't to blame, I reckon I can now conclude that they are. I still haven't received the cert and disc allegedly posted on the 10th.
Anywaysanall, I rang NTA to book the LRA figuring I'd get a booking for Friday and take a chance that I'll receive the cert and disc before that to keep the licence renewal before the insurance renewal. Alas, they couldn't do Friday so I'm booked in for next Wednesday (one day before my licence expires) and have the meter installation booked for Monday... so a couple of nights off next week. I'm gonna switch insurance to BJP. First Ireland and Jim Mannion haven't got back to me yet but my mind is made up, the fact that the man I dealt with could assure me that I'll have the new cert/disc for the test helped there, in fact he said I can call in and collect them in the unlikely event that I don't get them in the post on time. Hopefully, that's me sorted for a few years!
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Belker I cannot understand why you are paying extra,dor breakdown assistance.my understanding is that almost all insurance policies,offer this feature
If you are with AXA Dalymount then check your policy because most likely you are paying it too.
Anyway Cabs generally don'y break down on Mondays or Tuesdays, they break down on Friday and Saturday nights as been my case twice. Once at 3am of a Sunday night Bank holiday weekend and Once of a Friday evening just before Christmas in the pissing rain at 6pm and on both occasions the AXA break down van was with me within 40 minutes.
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I actually am with AXA ,and indeed I did breakdown last year in county warterford and they sent a truck out to sort it for me .this was free,and did not impact my policy
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Ross is asked ..Later, the Transport Minister was asked by the 'Financial Times' whether a motorist travelling from Co Donegal to Co Derry would continue to be insured once they crossed into the North.
"Can I come back to you on that?" Mr Ross responded, before whispering to Mr Coveney "the answer to that is 'yes', isn't it?"
WTF If the fucking Minister dosent know the answer at this stage in the game .Seems like nobody in the Irish Government has a fucking clue .
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Ill tell you another situation I once put to Ross and he couldn't answer.I asked if a motorist in NI is caught for penalty points how come ,at the discretion of the arresting officer,this motorist can be given the opportunity to attend a driver awareness course,whereby the motorist will relinquish both the points,and the fine upon completion of this 3 hour course,no such opportunity is available to motorists in the republic ?
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I actually am with AXA ,and indeed I did breakdown last year in county warterford and they sent a truck out to sort it for me .this was free,and did not impact my policy
Have a read off your policy DM, it won't be on page 1 as nothing is ever on page 1, but prob on page 2 or maybe 3, there should be a break down of what you are paying fer, in the break down it will tell you exactly what you are paying fer, as in fer Break-down assist, windscreen cover, meter cover, NCB protection, Etc. And will look similar to mine;
(https://i.postimg.cc/Dmm1Mfhf/Insurance-cert.jpg) (https://postimg.cc/Dmm1Mfhf)
Read your one first and then come back to me ?
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Ross is asked ..Later, the Transport Minister was asked by the 'Financial Times' whether a motorist travelling from Co Donegal to Co Derry would continue to be insured once they crossed into the North.
"Can I come back to you on that?" Mr Ross responded, before whispering to Mr Coveney "the answer to that is 'yes', isn't it?"
WTF If the fucking Minister dosent know the answer at this stage in the game .Seems like nobody in the Irish Government has a fucking clue .
What actually is the correct answer John M ?
And fer Taxi drivers are we still insured to drive North over the border ?
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But I already had the experience of breaking down,and before I rang for assistance I,was assured by them iwas covered.the truck duly arrived about I hour later,and sorted it out.it was a battery issue also my son ( who is no a taxi driver)-recently neededt to be towed to a garage ( he is with first Ireland )- and again there was no charge,or no impact on his policy.he asked the question before he sought their assistance
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Ross is asked ..Later, the Transport Minister was asked by the 'Financial Times' whether a motorist travelling from Co Donegal to Co Derry would continue to be insured once they crossed into the North.
"Can I come back to you on that?" Mr Ross responded, before whispering to Mr Coveney "the answer to that is 'yes', isn't it?"
WTF If the fucking Minister dosent know the answer at this stage in the game .Seems like nobody in the Irish Government has a fucking clue .
What actually is the correct answer John M ?
And fer Taxi drivers are we still insured to drive North over the border ?
Of course we will be covered maybee .The problem might be if you are insured in the EU and have a knock in the UK which juristriction British Law or European Law settles your claim .Expect an extra charge to cover travel in the UK on your premium.
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It dosen't really apply to me anyway, I did a run to Laois last summer and that is about as far as I'm willing to go from Cork.
I might do Dooblin if it was early in my shift and 'On the meter' which is about a Monkee, but the idiots down here will do it fer a Trummer, Bollocks on that !
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But I already had the experience of breaking down,and before I rang for assistance I,was assured by them iwas covered.the truck duly arrived about I hour later,and sorted it out.it was a battery issue also my son ( who is no a taxi driver)-recently neededt to be towed to a garage ( he is with first Ireland )- and again there was no charge,or no impact on his policy.he asked the question before he sought their assistance
I know you broke down, you explained that already and I know there was no charge because you had 'Break-down assist' from AXA on your policy, what I asked earlier and repeated below is how much AXA charged you on your original policy fer Break-down assist.
Please read the entire question below before answering.
Have a read off your policy DM, it won't be on page 1 as nothing is ever on page 1, but prob on page 2 or maybe 3, there should be a break down of what you are paying fer, in the break down it will tell you exactly what you are paying fer, as in fer Break-down assist, windscreen cover, meter cover, NCB protection, Etc. And will look similar to mine;
(https://i.postimg.cc/Dmm1Mfhf/Insurance-cert.jpg) (https://postimg.cc/Dmm1Mfhf)
Read your one first and then come back to me ?
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I'd question fully comp on an 11 year old taxi, Ken. The value @ €8,000 is way too high... they'll only pay open market value regardless of the figure you give.
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Got another letter from Liberty today, this time with an Express Post label attached... another renewal quote updated for my shitebox nua/fully comp, dated 14 Jan... still no sign of the cert/disc allegedly sent on the 10th, not that it matters at this stage.
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Up in my old gaff the postman was seen fukking the mail in the green bin on someones CCTV.After further investigations on a Facebook group other residents were getting each others post regularly.One year I found the log book from my Motorbike out on the footpath in the snow.Useless bastards.No wonder they like driving taxis.
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Funny enough, I got two letters addressed to a neighbour with yesterday's post. We have a newish postman, an Irish bloke... before that we had an English lad, pleasant bloke but extremely pedantic... probably not a bad thing in his job. Anywaysanall, there's no NCD cert with any of the sets of renewal documents I've received from Liberty to date. I did get it by email but I thought they're obliged to post it with the renewal quotes?
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They're probably just cutting corners.I think I had to request my NCB when I left First Ireland a couple of years ago.
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Motorists may soon be obliged to carry 'proof of insurance' Green Cards for travel in the UK and Northern Ireland in the event of a no-deal Brexit.
The Motor Insurers' Bureau of Ireland has advised that insurers and insurance brokers will provide 'Green Cards' to motor insurance policyholders who travel to the UK, including to Northern Ireland.
Green Cards will demonstrate to Northern Ireland and British authorities the vehicle has valid motor insurance cover if there is a no-deal Brexit.
There will be no requirement for Green Cards if an agreement is reached between the UK and the EU on Brexit, or if a transitional arrangement is implemented.
A Green Card is an internationally recognised insurance document that provides proof of the minimum compulsory motor insurance cover required by the country visited.
Green Cards provide a guarantee of insurance for a minimum of 15 days and can remain valid until the expiry date of the motor insurance policy, providing cover for multiple trips.
In line with the current expected Brexit date of 29 March 2019, insurers and insurance brokers will begin issuing Green Cards to policyholders from March.
This is on the basis that no agreement has been reached between the UK and the EU on Brexit or that the process has not been further delayed.
At that point anyone who plans on driving their Irish-registered vehicle in Northern Ireland or the rest of the UK should contact their insurer or insurance broker one month in advance of their expected travel date.
This is to ensure they receive their Green Card in sufficient time.
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Motorists may soon be obliged to carry 'proof of insurance' Green Cards for travel in the UK and Northern Ireland in the event of a no-deal Brexit.
The Motor Insurers' Bureau of Ireland has advised that insurers and insurance brokers will provide 'Green Cards' to motor insurance policyholders who travel to the UK, including to Northern Ireland.
Green Cards will demonstrate to Northern Ireland and British authorities the vehicle has valid motor insurance cover if there is a no-deal Brexit.
There will be no requirement for Green Cards if an agreement is reached between the UK and the EU on Brexit, or if a transitional arrangement is implemented.
A Green Card is an internationally recognised insurance document that provides proof of the minimum compulsory motor insurance cover required by the country visited.
Green Cards provide a guarantee of insurance for a minimum of 15 days and can remain valid until the expiry date of the motor insurance policy, providing cover for multiple trips.
In line with the current expected Brexit date of 29 March 2019, insurers and insurance brokers will begin issuing Green Cards to policyholders from March.
This is on the basis that no agreement has been reached between the UK and the EU on Brexit or that the process has not been further delayed.
At that point anyone who plans on driving their Irish-registered vehicle in Northern Ireland or the rest of the UK should contact their insurer or insurance broker one month in advance of their expected travel date.
This is to ensure they receive their Green Card in sufficient time.
Ken months ago I posted that we might not be covered and I was told I hadnt a clue what I was talking about .There is a bigger issue than Green Cards .At the moment all claims in the EU are settled under ECJ rules the UK are leaving the ECJ and they will settle claims under Common Law .So there will be two different legal systems .Two different compensation systems most crash injuries in Britain are settled out of court .You can be sure there are more hidden landmines for us .Here is another one .Ireland Imports about 20% of its electricity from the UK through an underwater inter connector After Brexit will there be import duty on electricity ?I hear Stuttery Paggo waffeling on about new data centers .The new extension to Intel will use more electricity than Galway city the new Data Center in Mayo will also use more Electricity than Galway City .The problem is and the government dont publicise this .They have Guarenteed these centers a supply of electricity at an agreed price for ever .In other words the Irish taxpayer will be subsidising these plants and if there is an import duty on electricity you and me will pick up the tab .
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Why would ya expect your insurance to carry over into another country lads?Get the bus or train or move up there if ya love the stonethrowers so much.
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Would ye get many fares in the Pale going North over the border ?
As in like how many a year ?
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I certainly don't.Got a job to Balbriggan last year from the Airport that's it..Nothing on the way back in..loada bollix.Most Dubs dont leave the city unless we're on a plane.I'll admit I've seen very little on this island.Still better value to holiday abroad.
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Would ye get many fares in the Pale going North over the border ?
As in like how many a year ?
Last 1 I got I gave away .Me and the RUC have an agreement I wont go up there and they wont arrest me .But lads in border areas like Donegall or Cavan would cross the border a few 100 times a year .As taxi driving is a business there is a chance they might be refused permission to work in Norn Eireann .I never seen a NY Yellow Cab carrying a passenger in Tiagwana in Mexico .The Brits copuld really act the bollox and refuse to allow Irish Busses carry passengers up north without a Norn Eireann bus licence .Nobody knows what way this will play out if it happens tit for tat or common seance but so far a bit of common has been lacking .
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About 7 years ago during the war.. an Indian chap flagged me in town and wanted me to go to Belfast Airport for a ton.I was a little insulted by the offer and would have done it for 140 so I drove off empty after 2 minutes of negotiations.
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I wonder what the story will be .My pal drives delivering tablets to nursing homes if he is going to Donegal he duts through Derry .I wonder will he have to go through Sligo to avoid customs and if he ignores the customs and ever gets stopped in Norn Eireann with a van full of pills would he get done for having prescription drugs for sale or supply .
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I'd say a lot more nordies drive south than suddies drive north John.....both sides could start acting the bollox.
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I'd say a lot more nordies drive south than suddies drive north John.....both sides could start acting the bollox.
A lot of this is scare mongering to appeal to the morons if there is another referendum .The remoaners have learned from the brexiteers who scaremongered about the NHS and Trillions of migrants there dosent really need to be any truth in what you say as long as somebody believs you .
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I certainly don't.Got a job to Balbriggan last year from the Airport that's it..Nothing on the way back in..loada bollix.Most Dubs dont leave the city unless we're on a plane.I'll admit I've seen very little on this island.Still better value to holiday abroad.
Driving in from the beautiful seaside resort town of Balbriggan every shift, working for mytaxi, I'd say I get a job north of Swords about once per dozen shifts with north of Santry being a bit below 50/50 at about 4.5 times per dozen shifts.
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Anywaysanall, I got loads of post today including 3 letters from Liberty, one containing the elusive insurance cert and disc. All three (including the cover with the cert/disc) were dated 14th Jan despite my being told that the cert/disc was posted on 10th. None of the envelopes have postmarks as they're pay by licence but, as previously noted, I received a letter posted from Dublin on the 14th (the one addressed to Mrs. Catcher - odd as it might seem that was actually posted by Mrs. Catcher on my instruction as Liberty had convinced me that there was an issue with my post and not their inefficiency) the next day... so Liberty clearly didn't post the cert on the 10th or the 14th, more like the 16th, almost a week after they said they posted it. Conclusion being that they are a lying shower of cunts who have no idea of how to conduct business.
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Brian J Pierce is leading the field for me @ €1,920..
I'm with them fuks for 17 yrs and you can get a cheaper quote from them!!
That's been playing on my mind, Hal. It's like the left cheek of one of our African colleagues' arses, it's neither fair nor right. In an attempt to redress the balance I opted to pay in instalments, bringing my total premium to €2,023.87 (€373 + 9 * €183.43).
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Do you need to inform Liberty that you are not interested and return the Disc .Pierce auto renewed my insurance last year didnt even have to go in and sign anything .Just rang them to confirm.
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No, the disc expires on Sunday and I couldn't give a flying fuck if they auto renew it, they'll not be getting paid for it either way.
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^^ I didn't have to go in to BJP either, erm. Sent the proposal form and copies of licences, etc by email and paid the deposit by telephone with one of those new fangled plastic money transferring card thingys. It's all modern technology these days! However, with BJP if you need something like a cert/disc in a hurry you can go in and collect it, they have access to Axa's system so can print off what you want more or less on demand. With Liberty they'll just tell you lies about posting stuff and won't let you collect anything. They'll also tell you lies about temporary transfer of vehicles and generally make doing business as stressful as possible. Added to that, they're the only firm that ask if you work for mytaxi, judging by my renewal quote and others in this thread they're clearly applying a very substantial surcharge if you do. In short, they're not geared up to deal with the taxi trade and probably don't want to.
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Yeah, liberty don't want to be dealing with taxi scum. It's reflected in their quotes. I was quoted 8k by liberty in me last jammer. I haven't been with them in years. They used to have a policy of just paying out in the event of a tip when they were Quinn direct. Not bad if you're claiming not good if it's someone claiming against you.
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True enough. Mrs. Catcher's car was slightly damaged by a drunk insured by Liberty a few years back, they couldn't pay up quick enough... actually hand delivered the cheque to her workplace.
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It's actually a policy to stop someone putting in a bigger claim at a later date.The longer people have to think about their injuries the more likely they'll be exaggerated.
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Even if you accept a settlement figure for personnel damage , you still have up to 2 years after that to re-open the claim (or so they say)
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Very few folks would know this.They're hoping you'll take the few grand and forget about it.I'd say lots of claims get exaggerated by people who have been messed about when they put in a claim.Just shite staff causing problems.
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Indeed, the statute of limitations applies regardless. In Mrs. Catcher's case the car was parked with nobody in it when it was hit so there was no possibility of personal injuries claims and they didn't ask her to sign any waivers or anything like that. Conversely going back a good few years, probably around 2002, my taxi (not to be confused with mytaxi, which didn't exist back then, not even as Hail0) was struck by the passenger door of another taxi causing damage to the door mirror. The driver of the other taxi was a bit of a prick - and plata nua scum - and tried to make out it was my fault, even phoned a friend who arrived and pretended to have seen what happened. I told the Garda the friend wasn't there and he had a stern word with the friend who quite timidly withdrew his claim to have seen what happened. Anyway, long story short... I'd no intention of getting the car fixed beyond sticking a €13 replacement glass over the broken bit but because he was such a prick - and plata nua scum - I pursued the full damages to the value of the estimate done by his insurance company's agent which was about €750. After a couple of days he rang me and said he was going to fix me up himself and apologised for being a prick.. taking that into consideration together with the fact that it was actually his passenger's fault not his I told him I'd leave it at a monkey. His insurance company wanted me to sign a waiver stating that no further claim would arise and I had no problem with that so I typed a letter to that effect, sent it to his insurance company and handed him a signed copy in return for my used notes. I don't think the waiver has any legal effect though, although it wasn't an issue in that case.
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The only time I ever put in a claim was when when someone knocked me of my bike.Bloke turned in front of me in Sandycove and I went over the handlebars and bounced along the ground.New motorbike written off.Hit the ground hard and went off in an ambulance.
I had injuries but nothing too serious and probably would have taken a weeks wages and a new bike (about 3k)but the solicitor dick who was driving the car started ringing around asking my company if I was insured and wanting to know if I was paying tax, on the scratcher etc...Anyway ended up getting pissed off that he was trying to intimidate me and got about 22k from his insurance including the old bike for 300 euro which I rebuilt for buttons.The moral of the story is be nice when yer at fault and people won't try to claim against ya.Most people are decent and wanna do the right thing.
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When I worked for eircom many years,ago,I was up on a pole doing some work when the fukking pole snapped at the butt.I was hurt a little,but not badly enough to claim .I was wearing the leather belt that we used to wear and I was attached to the pole ,so there was no way I could hump clear.it was the most frightening experience of my life on the way down I kept thinking is this the end of me.I was so thankful,and so,glad,to be still alive .I,srill suffer a little today with my back,but I never put in a claim.im old fashioned I suppose I always believed that kind of money is unlucky,and just goes like water
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Anywaysanall, I got loads of post today including 3 letters from Liberty, one containing the elusive insurance cert and disc. All three (including the cover with the cert/disc) were dated 14th Jan despite my being told that the cert/disc was posted on 10th. None of the envelopes have postmarks as they're pay by licence but, as previously noted, I received a letter posted from Dublin on the 14th (the one addressed to Mrs. Catcher - odd as it might seem that was actually posted by Mrs. Catcher on my instruction as Liberty had convinced me that there was an issue with my post and not their inefficiency) the next day... so Liberty clearly didn't post the cert on the 10th or the 14th, more like the 16th, almost a week after they said they posted it. Conclusion being that they are a lying shower of cunts who have no idea of how to conduct business.
It's a diabolical liberty! 8)
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Erm:
https://youtu.be/t0-leRNxhmg 8)
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Got my cert and disc from BJP in this morning's post - they said they posted it yesterday and I received it today, not a week later as with Liberty.
Rang Liberty to revert the temporary change from 08:00 Sunday. They asked if I was renewing so I told them I wasn't and they asked why... told them about the lies they told me about posting the cert/disc on the 10th explains that these documents are required to licence a taxi and suggested they simply aren't geared up to deal with the taxi trade. Also suggested that a supervisor should listen to the call I had with their "taxi section" on 8th when I was told that the company wouldn't let me own a car that's not covered. For what it's worth the lady, who was pleasant and professional, assured me that those issues will be investigated and thanked me for my feedback.
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Erm:
https://youtu.be/t0-leRNxhmg 8)
Great in its day.....the present always looks down on the past. He was a West Ham supporting Jew, wasn't he?
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Erm:
https://youtu.be/t0-leRNxhmg 8)
Great in its day.....the present always looks down on the past. He was a West Ham supporting Jew, wasn't he?
Yid think so! 8)
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My second year renter scum insurance is down €1800.
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Got my cert and disc from BJP in this morning's post - they said they posted it yesterday and I received it today, not a week later as with Liberty.
Rang Liberty to revert the temporary change from 08:00 Sunday. They asked if I was renewing so I told them I wasn't and they asked why... told them about the lies they told me about posting the cert/disc on the 10th explains that these documents are required to licence a taxi and suggested they simply aren't geared up to deal with the taxi trade. Also suggested that a supervisor should listen to the call I had with their "taxi section" on 8th when I was told that the company wouldn't let me own a car that's not covered. For what it's worth the lady, who was pleasant and professional, assured me that those issues will be investigated and thanked me for my feedback.
AXA quoted me 2695 3rd party F&T , up from 2100 last year. BJP wasn`t an option as I dealt with AXA directly. Anyway, TaxiFair quoted me 2100 fully comp with Liberty , painless transaction. I`m now free to use all the brokers, BJP inc, next year.
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Vandriver, who were you with last year and how much did you pay?
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Got my cert and disc from BJP in this morning's post - they said they posted it yesterday and I received it today, not a week later as with Liberty.
Rang Liberty to revert the temporary change from 08:00 Sunday. They asked if I was renewing so I told them I wasn't and they asked why... told them about the lies they told me about posting the cert/disc on the 10th explains that these documents are required to licence a taxi and suggested they simply aren't geared up to deal with the taxi trade. Also suggested that a supervisor should listen to the call I had with their "taxi section" on 8th when I was told that the company wouldn't let me own a car that's not covered. For what it's worth the lady, who was pleasant and professional, assured me that those issues will be investigated and thanked me for my feedback.
AXA quoted me 2695 3rd party F&T , up from 2100 last year. BJP wasn`t an option as I dealt with AXA directly. Anyway, TaxiFair quoted me 2100 fully comp with Liberty , painless transaction. I`m now free to use all the brokers, BJP inc, next year.
Seems very high Bubba....for just third party,F&T?
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Got my cert and disc from BJP in this morning's post - they said they posted it yesterday and I received it today, not a week later as with Liberty.
Rang Liberty to revert the temporary change from 08:00 Sunday. They asked if I was renewing so I told them I wasn't and they asked why... told them about the lies they told me about posting the cert/disc on the 10th explains that these documents are required to licence a taxi and suggested they simply aren't geared up to deal with the taxi trade. Also suggested that a supervisor should listen to the call I had with their "taxi section" on 8th when I was told that the company wouldn't let me own a car that's not covered. For what it's worth the lady, who was pleasant and professional, assured me that those issues will be investigated and thanked me for my feedback.
AXA quoted me 2695 3rd party F&T , up from 2100 last year. BJP wasn`t an option as I dealt with AXA directly. Anyway, TaxiFair quoted me 2100 fully comp with Liberty , painless transaction. I`m now free to use all the brokers, BJP inc, next year.
Seems very high Bubba....for just third party,F&T?
No Hal, 3rd party F & T
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BHT,
Ask them to change the excess to €500 instead of €250.
Your car is of the older model and isn’t worth much should it be written off. What’s €250 to you if it was to be written off
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BHT,
Ask them to change the excess to €500 instead of €250.
Your car is of the older model and isn’t worth much should it be written off. What’s €250 to you if it was to be written off
Paid last month. Do that next year.
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Vandriver, who were you with last year and how much did you pay?
6.6k plus interest making just under 7 with axa
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Paid last month. Do that next year.
Saved me €1200 so I was happy
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make sure you shop around next year, i was with axa for my first two years, left them after the two years. dont listen to brokers who tell you things like axa are the best i didnt even ring any others for a quote. ring the insurers direct yourself.
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Vandriver, who were you with last year and how much did you pay?
6.6k plus interest making just under 7 with axa
€135 per week before ya step out your door, fair play for paying it, one good thing is it will come down year on year and be half respectable once/if you get your own taxi on the road.
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Vandriver, who were you with last year and how much did you pay?
6.6k plus interest making just under 7 with axa
€135 per week before ya step out your door, fair play for paying it, one good thing is it will come down year on year and be half respectable once/if you get your own taxi on the road.
You need your own Joe on the road VD, paying Rental or bank intreset loans is lost money.
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Do what suits you, we're all different. Plenty of businesses finance fixed assets with bank loans to spread the cost over the life of the asset.
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Got it from the horse's mouth this morning, i.e. the insurance co. Made a mistake last night in a place where, last week there was no metal bollard but last night a new one had been installed. Have made a turn there several times. Anyway made a mistake and damaged the passenger door (not even at speed) so badly that it needs a replacement door. Asked the insurance co that, if I made a claim, and my bonus was protected,would my basic premium go up.... "very possibly". I said that's hardly fair you get your money back no matter what. She said that if the claim was below €1500 it would not go up much. I said what if it was say €4k (I'm sure new Merc doors are crazy prices), she said "yes that would make a significant difference to your basic premium, but you would still get your NCB off that, but you would have to pay your €500 excess also, then when you look for another quotation from another company you will be asked if you have had any claims in the last 3-5 years, and wont be quoted if you have. We won't quote if you have had a claim in the last 5 years". So it looks like I'm looking for a second hand door for a guy who says he will paint and fit for €500, but he is booked up until March 5th. Cancelled NCT for this Thursday, Licence expires April 4th...... what a life this taxi driving lark.
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This sounds crazy,but im not at all sure that a dinted door wou l d fail the NCT. Would probably fail suitability,but the NCT are only concerned with mechanical operation of car
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Got it from the horse's mouth this morning, i.e. the insurance co. Made a mistake last night in a place where, last week there was no metal bollard but last night a new one had been installed. Have made a turn there several times. Anyway made a mistake and damaged the passenger door (not even at speed) so badly that it needs a replacement door. Asked the insurance co that, if I made a claim, and my bonus was protected,would my basic premium go up.... "very possibly". I said that's hardly fair you get your money back no matter what. She said that if the claim was below €1500 it would not go up much. I said what if it was say €4k (I'm sure new Merc doors are crazy prices), she said "yes that would make a significant difference to your basic premium, but you would still get your NCB off that, but you would have to pay your €500 excess also, then when you look for another quotation from another company you will be asked if you have had any claims in the last 3-5 years, and wont be quoted if you have. We won't quote if you have had a claim in the last 5 years". So it looks like I'm looking for a second hand door for a guy who says he will paint and fit for €500, but he is booked up until March 5th. Cancelled NCT for this Thursday, Licence expires April 4th...... what a life this taxi driving lark.
And the general public think you're coining it because all they see is the tenner or score they hand over for a fare.
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20 euro an hour only equates to minimum wage for me.
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This sounds crazy,but im not at all sure that a dinted door wou l d fail the NCT. Would probably fail suitability,but the NCT are only concerned with mechanical operation of car
Door will open from inside normally, but not from outside, lady on the phone said that it would fail, but that I could ask at the centre. Have rescheduled for March 6th, and live in hopes, would prefer to arrive with car in good nick.
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Well I suppose if it only opens from inside they would fail you.they fail for windows if they dont open properly.I wish you the very best of luck,I know its worrying when you dont know what to expect
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whats the story with lapsed licence if you are waiting for a retest doyou still have to pay the forfeit for a lapsed licence ?
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The problem (or dilemma) BS is that loading is applied regardless of whether you have NCB protection or not. I'm sure the insurance firms will suggest that the % will be the same regardless. However, I have seen renewal quotes that seem to prove the contrary i.e. the loading % seems to be much higher where the claimant has NCB protection. Of course, no two sets of circumstances are precisely the same so there is no way of drawing any concrete conclusions. When the surcharge for protection was relatively small (in fact, free in some cases) its wasn't really an issue but it seems to be much more significant these days. At my last renewal NCB protection accounted for almost €700 of the €1920 premium, over 33%. I'm with Axa (BJ Pierce) this year and I honestly don't know if that firm offers free step-back NCD "protection". I know Liberty do, it's certainly something one ought to consider on renewal.
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I know this isnt a nice thing to do but offer the door guy another two hundred for a more urgent appointment.Explain your suitablility situation.
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With the door... if it was me I'd go up to Traynors and get it this afternoon and fit it tomorrow.... it wouldn't fail the NCT for being a different colour. Then I'd find some Eastern European immigrant to paint it at a fraction of the price an Irish man would charge... damn immigrants coming over here taking our jobs and our wimin.
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There is a place on the richmond road ,a small little place. Its up the drumcondra end. All I can remember is your mans name is Jimmy,but I can tell you he is cheap,quick,and does an excellent job.if you are interested,I will go down and get you his details if you want to ring him
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Well I suppose if it only opens from inside they would fail you.they fail for windows if they dont open properly.I wish you the very best of luck,I know its worrying when you dont know what to expect
Thanks DM, window sticks also. Tried all the breakers in Ireland including Traynors and Mercbitz, to no avail. Went to "Breakerlink" site in Uk. Got 4 offers over the last hour using the car's original UK reg No. Paid €400 including delivery within 2 days. Repair guy says he has 10 people waiting for cancellations. I'll find someone. 'Twould be handy to have someone so that I could get it delivered directly to them.
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Im going up north tomorrow if I can be of any help let me know .the breakers yards up there sometimes are very good
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Traynor's in Moy? Crazy place with no proper order. Farmers and Nordies bumping you out of the way. Got an Avensis steering wheel and all accoutrements for half nothing and that's exactly what it amounted to when installed.
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I got bodywork done very reasonably and quick on the Nangor Rd, if you want another option.
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@ Bob Shillin: my mechanic in Glasnevin/Finglas is pretty good with taxis. He could probably do a quick turnaround if you needed it. And he does good prices as well. Let me know if you need more info.
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Thanks all, but got a good price from a guy near me in DeansGrange. Trying to get the door delivered directly to him by Wed/Thurs. Hopefully he can paint, and then when ready it should be a one day turnaround to fit. Have another NCT for March 6th, so asssuming that goes ok, I should still be ok for suitability before April 6.
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Got it from the horse's mouth this morning, i.e. the insurance co. Made a mistake last night in a place where, last week there was no metal bollard but last night a new one had been installed. Have made a turn there several times. Anyway made a mistake and damaged the passenger door (not even at speed) so badly that it needs a replacement door. Asked the insurance co that, if I made a claim, and my bonus was protected,would my basic premium go up.... "very possibly". I said that's hardly fair you get your money back no matter what. She said that if the claim was below €1500 it would not go up much. I said what if it was say €4k (I'm sure new Merc doors are crazy prices), she said "yes that would make a significant difference to your basic premium, but you would still get your NCB off that, but you would have to pay your €500 excess also, then when you look for another quotation from another company you will be asked if you have had any claims in the last 3-5 years, and wont be quoted if you have. We won't quote if you have had a claim in the last 5 years". So it looks like I'm looking for a second hand door for a guy who says he will paint and fit for €500, but he is booked up until March 5th. Cancelled NCT for this Thursday, Licence expires April 4th...... what a life this taxi driving lark.
Talk to Panel, he was a Basher.
Abdul in Blanch did a great job on Eric's car: 0868473852, best of luck.
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Thanks all, but got a good price from a guy near me in DeansGrange. Trying to get the door delivered directly to him by Wed/Thurs. Hopefully he can paint, and then when ready it should be a one day turnaround to fit. Have another NCT for March 6th, so asssuming that goes ok, I should still be ok for suitability before April 6.
The best of luck with it all Harry, the bad news is the insurance company may hike your premium next year because a claim/decision had been opened, maybe. Anyway The Best of Luck with it all.
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Yeah best of luck
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Insurance FFS our kids mate started a courier business has two vans on the road He is 25 full licence for 5 years and NCB his brother is 23 full licence for 5 years and NCB two lwb vans open drive so both of them can drive either van 17,000 they were quoted .Insured them seperatly in their own named driver policies 4,200 for both .How the fuck do the insurance companies come to a quote .
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Pluck a figure from the air John
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Logarithms.
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In fairness to the insurance company, open drive is not the same risk as named driver.
If you want a comparison, I was paying £2500 20 odd years ago for courier insurance on a Berlingo, with full van ncb.
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Thanks all, but got a good price from a guy near me in DeansGrange. Trying to get the door delivered directly to him by Wed/Thurs. Hopefully he can paint, and then when ready it should be a one day turnaround to fit. Have another NCT for March 6th, so asssuming that goes ok, I should still be ok for suitability before April 6.
The best of luck with it all Harry, the bad news is the insurance company may hike your premium next year because a claim/decision had been opened, maybe. Anyway The Best of Luck with it all.
Anoymus enquiry
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If ya change any more body parts on that jammer there won't be much left of the original vehicle..glad ya got sorted.
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Bit like trigger with the brush 15 new handles,and 25 new heads
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If ya change any more body parts on that jammer there won't be much left of the original vehicle..glad ya got sorted.
Doh!
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I have been told that it's not a great idea to paint body parts off the car. Panel's probably best placed to clarify but I believe a certain amount of blending needs to be done to get a professional finish. However, I have done it that way twice... I got a bonnet painted off the car for Trigger's Brush a good few years back (the man I got to do it was surprised to find I was leaving him the bonnet and not the car!) and even further back I painted a plastic bumper off the car myself for an Opel Astra, the one that was hit by a shopping trolley launched from Shantalla bridge. Can't say I ever noticed the lack of blending on either occasion but my motors aren't offices with filing cabinets, swivel chairs, water fountains and such like, they're just tools of the trade.
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New taxi Insurance Co, worth a try, report back if near renewal ? Sounds great if it's all true and they're not Maltese and dodgy.
https://www.zego.com/ (https://www.zego.com/)
https://www.zego.com/ie/ (https://www.zego.com/ie/)
https://www.lobbying.ie/organisation/1365/tdora (https://www.lobbying.ie/organisation/1365/tdora)
Zego + TDORA
Ph. 016917584 open 7 days per week 9am-7pm
Competitive Prices
Quick and easy quotes
Private No Claims counts towards 1st time quotes
30 Day policies
Annual Policies with flexible payment option
Optional NCD protection
Age 21-75
9 penalty points max
Vehicle value less than €65k
No more than 3 claims in the last 3 years
Full IE,UK, or EU licence
Friendly customer support 7 days a week
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Muhammad Ali likes it.
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Taxi Despatch Operators Representative Association
www.tdora.ie (http://www.tdora.ie)
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Beware of Strangers bearing gifts
https://www.msn.com/en-ie/news/other/ghost-broker-sold-fraudulent-insurance-policies-to-motorists/ar-BBTSExG (https://www.msn.com/en-ie/news/other/ghost-broker-sold-fraudulent-insurance-policies-to-motorists/ar-BBTSExG)
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Insurance FFS our kids mate started a courier business has two vans on the road He is 25 full licence for 5 years and NCB his brother is 23 full licence for 5 years and NCB two lwb vans open drive so both of them can drive either van 17,000 they were quoted .Insured them seperatly in their own named driver policies 4,200 for both .How the fuck do the insurance companies come to a quote .
My wife got her insurance cheaper by switching to open drive instead of having me(1 person) as a named driver
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Taxi Despatch Operators Representative Association
[url=http://www.tdora.ie]www.tdora.ie[/url] ([url]http://www.tdora.ie[/url])
were they the Taxi Company Owners Association once?
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::cheers
Taxi Despatch Operators Representative Association
[url=http://www.tdora.ie]www.tdora.ie[/url] ([url]http://www.tdora.ie[/url])
were they the Taxi Company Owners Association once?
Probably, was unaware of them until they came linked to that new ins co Zego.
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Insurance FFS our kids mate started a courier business has two vans on the road He is 25 full licence for 5 years and NCB his brother is 23 full licence for 5 years and NCB two lwb vans open drive so both of them can drive either van 17,000 they were quoted .Insured them seperatly in their own named driver policies 4,200 for both .How the fuck do the insurance companies come to a quote .
My wife got her insurance cheaper by switching to open drive instead of having me(1 person) as a named driver
With who Vik?
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Insurance FFS our kids mate started a courier business has two vans on the road He is 25 full licence for 5 years and NCB his brother is 23 full licence for 5 years and NCB two lwb vans open drive so both of them can drive either van 17,000 they were quoted .Insured them seperatly in their own named driver policies 4,200 for both .How the fuck do the insurance companies come to a quote .
My wife got her insurance cheaper by switching to open drive instead of having me(1 person) as a named driver
With who Vik?
She went through Chill, Ivernia is the name of the company in Ireland, but it’s a French insurance company, La Parisienne Assurances
Just reading it all now, I bet La Parisienne Assurances would not insure her directly from France as is supposed to be the case in the EU
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I remember some years ago,asking if I could I n sure my taxi with a norn iron company,,I cant remember what the answer was
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The story with Irish Insurance is one of fraud .In the 70s The Insurance Corporation of Ireland run by Bank of Ireland insured everything and anything as they were underwritten by the State .They insured Ships .War Ships ,Nuclear Power Stations ,you name it they insured it as they had no Liability the State carried that .They went broke and we are still paying for that 50 years later with a levy on insurance .Then the FF government needed to win votes especially among Farmers and Ruraltypes so they set up the PMPA to sell cheap insurance to their voters ,they too went bust as they had no reserves the Government stepped in and imposed another levy then add in Quinn Direct ,Liberty and loads of others you never heard of all bailed out by the Government .Now the Government have bailed all insurers in to cover legacy issues the deal is they carry some of the liabilities but can overcharge customers to offset the risk .I spoke with a UK insurer who told me if they enter the Irish Market they automatically take on some of the legacy debt .If I remember right you must be insured in the country you live in for private motor insurance unless you travel regulary between states .In mainland Europe you can get insured in another euro state but the Irish Legacy issue means that all insurers issuing insurance in Ireland must be regulated by the Irish regulator .You might get insured in Europe and be insured to drive anywhere in Europe but if you are resident in Ireland and crash in Ireland you might not be covered .
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I remember some years ago,asking if I could I n sure my taxi with a norn iron company,,I cant remember what the answer was
Is that you ermy?
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July 2017
Driver database at heart of major insurance probe after dawn raids (https://www.independent.ie/business/personal-finance/driver-database-at-heart-of-major-insurance-probe-after-dawn-raids-35896817.html) (Indo)
A database of clients and claims is at the centre of the probe into alleged cartel activity in the insurance industry, the Irish Independent has learned. Regulators from the European Union led dawn raids on insurance bodies over alleged cartel activity. Gardaí acted as observers, and officers from the competition watchdog were also involved in the early morning swoops. The raids were prompted by allegations that motor insurers in this country are operating a cartel by price-fixing.
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It is understood a database with details about drivers and their claims history was the focus of the raids. Officers from the European Competition Directorate headed up the operation, with a total of around 45 competition regulators involved. The main raid was at the Dublin offices of Insurance Ireland, the representative body for the insurance sector. Some insurance companies were also understood to have been raided, along with software companies that hold insurance industry databases.
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The focal point is a database operated by Insurance Ireland, which has been the subject of allegations in the past that new entrants to the market are unable to get access to it. Known as Insurance Link, it contains the claims history of all drivers. Examining this is the only way to validate a driver's claims history. Access to the database is essential for any company hoping to sell motor insurance here. Insurance Ireland and Mr Thompson have consistently denied that it restricts use of the database, and stressed that access to databases is regulated by the Data Protection Commissioner.