INSURANCE

[silverbullet]

In today's market, €1920.00 is not unreasonable.
Please ensure it has bonus protection, you just never know.

[dalymount]

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

[Bob Shillin]

I'm with Allianz direct. First Ireland quoted dearer last year with Allianz as underwriter.

[dalymount]

I thought first Ireland stopped doing taxi ins 2 years ago ?

[Shallowhal]

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.

[dalymount]

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

[Belker]

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.

[Belker]

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).

[dalymount]

Belker I cannot understand why you are paying extra,dor breakdown assistance.my understanding is that almost all insurance policies,offer this feature

[Rat Catcher]

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!

[Belker]

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.

[dalymount]

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

[john m]

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 .

[dalymount]

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 ?

[Belker]

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;

Read your one first and then come back to me ?