INSURANCE

[Rat Catcher]

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.

[mercenary for hire]

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.

[Rat Catcher]

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.

[dalymount]

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

[Bob Shillin]

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.

[dalymount]

Im going up north tomorrow if I can be of any help let me know .the breakers yards up there sometimes are very good

[The Liffey Lip]

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.

[vandriver]

I got bodywork done very reasonably and quick on the Nangor Rd, if you want another option.

[watty]

@ 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.

[Bob Shillin]

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.

[silverbullet]

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.

[Belker]

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.

[dalymount]

Yeah best of luck

[john m]

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 .

[dalymount]

Pluck a figure from the air John