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General Car Chat / The annual insurance debacle.
« on: 23 January 2021, 11:03:27 »
The Omega insurance is soon due and the quote arrived yesterday .
€ 620 (£551) ...fully comp.
Owned for 18 years ,documented NCT/MOT mileage of circa 1000 miles per annum ( 45 miles this year ) , full history/invoices etc, etc..
I've never had a claim in all my life ,retired now , and have a couple of other vehicles with full NCB.
As it's 22 years old now I thought I'd try a classic policy and even add it to my other classic policy .
Carole Nash ..."you can bugger off Mr Olympia " , says me " but I've been with you nigh on 20 years " ...." bugger off ! "
FBD ,who are basically an insurance company for farmers but "offer" classic insurance , "Vauxhall Omega ..what's that ?"
So I give her all the info, emphasising the points that show I'm a good risk,and offer to transfer the E24 over too a dual policy too .
" You would only be able to drive to and then from a classic car meeting , you cannot go shopping in it you know ! . If you have an accident in it and we find shopping in it you would not be covered "
So I ask what happens if I am on my way back from a classic car meet and whilst putting petrol into it my wife buys a pint of milk from the petrol station ?
" We would refuse insurance "
Well Mrs FBD you can skip off into the sunset , and delete all my info given .
The insurance companies operate what is called Dual policy pricing in ireland .
"Dual pricing involves insurers using big data and complex pricing practices to target customers who are less likely to shop around, before charging them artificially high premiums at renewal. The Central Bank found that renewing customers are paying significantly more than the actual cost of their policy.Dec 18, 2020"
Outlawed and illegal in UK but little ireland allows the annual rape and pillage of it's motorists , thanks .
Couple this with their own decision to deny insurance to vehicles over 15 years old conveniently corrals a great number of motorists for no reason other than greed on the companies behalf .
Another couple of companies to try , but ..
€ 620 (£551) ...fully comp.
Owned for 18 years ,documented NCT/MOT mileage of circa 1000 miles per annum ( 45 miles this year ) , full history/invoices etc, etc..
I've never had a claim in all my life ,retired now , and have a couple of other vehicles with full NCB.
As it's 22 years old now I thought I'd try a classic policy and even add it to my other classic policy .
Carole Nash ..."you can bugger off Mr Olympia " , says me " but I've been with you nigh on 20 years " ...." bugger off ! "
FBD ,who are basically an insurance company for farmers but "offer" classic insurance , "Vauxhall Omega ..what's that ?"
So I give her all the info, emphasising the points that show I'm a good risk,and offer to transfer the E24 over too a dual policy too .
" You would only be able to drive to and then from a classic car meeting , you cannot go shopping in it you know ! . If you have an accident in it and we find shopping in it you would not be covered "
So I ask what happens if I am on my way back from a classic car meet and whilst putting petrol into it my wife buys a pint of milk from the petrol station ?
" We would refuse insurance "
Well Mrs FBD you can skip off into the sunset , and delete all my info given .
The insurance companies operate what is called Dual policy pricing in ireland .
"Dual pricing involves insurers using big data and complex pricing practices to target customers who are less likely to shop around, before charging them artificially high premiums at renewal. The Central Bank found that renewing customers are paying significantly more than the actual cost of their policy.Dec 18, 2020"
Outlawed and illegal in UK but little ireland allows the annual rape and pillage of it's motorists , thanks .
Couple this with their own decision to deny insurance to vehicles over 15 years old conveniently corrals a great number of motorists for no reason other than greed on the companies behalf .
Another couple of companies to try , but ..
.... rendering change whilst driving virtually impossible again. 
