Insurance desperately needed

[witcher]

Guys, help!! got the fto 1.8 and need 2 insure it, the problem is that it is my first car in Ireland and I have not had any car for last 5 years. have full driving license for 20 years now, not even one penalty point on it but the c***s from major insurance companies claim that it is performance car any tips? or I am f****d and will have 2 sell my baby?
Marcin

[colm_mcm]

How many insirance companies have you tried?

Do you have a wife with a drivers license?

[witcher]

I tried axa, qd and tesco, I also visited local broker, and they could not find the ins either no, I am single and want 2 stay this way. any other options??

[colm_mcm]

None that I can think of at the moment. enquire about how much it would be on an Irish provisional license. maybe that would be better than a foreign full license.

[witcher]

thx but that is not a problem, they consider it 2 powerful a car for me, and i cannot prove that I was driving in Poland due 2 different insurance rules, (u insure a car, not a driver in Poland). will keep looking but any ideas welcome
cheers
m

[colm_mcm]

try XS direct. they'll surely quote you.

(do a search on the forum for them, they're not a conventional insurance company, there are pros and cons.)

[witcher]

thx will do btw spotted crashed fto burgundy with fto-ireland on windshield 2 day (took wiper lever and indicator hub from it) any idea who it belonged 2??

[witcher]

thanks Colm, seems xs direct might work although not finalized yet, would hate 2 be forced 2 get rid of my fto, too much work put into it and much 2 much hassle I went through to give up now, question is is it a dedication or stubborness? (stupidity maybe:o)). thanks for all responses
cheers
Marcin
P.s. Insurance laws here are insane, how can u put up with it, it is on the verge of breeching the constitutionally guarranteed law of personal freedom.

[gary d]

thx will do btw spotted crashed fto burgundy with fto-ireland on windshield 2 day (took wiper lever and indicator hub from it) any idea who it belonged 2??

You stole these? Can only presume as you say you do not know the owners identity. Kinda rubbing salt in to the wounds of the owner, coming back to find that it has been vulcherised

[d_dan]

try 123.ie

[witcher]

Garry d
I asked the current owner, who is a car dismantler, nice fella, and he did not mind, the car is wrecked. I was asking who did it belong to before the car was wrecked if anybody knows. (please refer to my note in spotted section). btw I would like 2 know why you assumed I stole it?? I find it extremally offensive.

[Dragonheart]

I wouldnt get offended Marcin, I think its a misunderstanding due to the way you said it. When you said you took them and then asked who owned the car it looked like you said you took them from a car that was on the side of the road crashed, you forgot to mention about the car being at a wreckers, easy mistake to make.

[gary d]

Hey Witcher you neglected to mention the car was in a brekers yard, I thought this was sittin by the roadside.
sorry misunderstanding red faces all round.

[witcher]

sorry, perhaps I overreacted, but I would NEVER vulturise anyone elses car, I will try to b more specific next time 2 avoid such situation. still struggling with insurance though so any tips in this area are still more than welcome. I hope 2 see u all on some kind of get together, It must be impressive 2 see many fto cruising together:o).
CU all
M

[colm_mcm]

How much was the XS direct quote?

[witcher]

1500 app. ouch!

[colm_mcm]

don't know what you were expecting, but thats alright given your circumstances.

[optical illusion]

You try quinn?

1500 is reasonable quote on an fto.

[ikeane]

I wouldn't say 1500 was a 'reasonable' quote but unfortunately you'll find it hard to get better imo.

Good luck

[gary d]

If I got a quote like 1500 in the north I'd be livid, but unfortunately this seems to be the goin rate south of the border.
Of course there's no harm in exploring all avenues but don't think your gonna get it much cheaper than this under the circumstances.

[mcgon1979]

lets not forget lads, its 1500 with a 4000euro excess which is a kick in the stones if you ever need to use your incurance for ANY reason. our paying the first 5500euro in reality. madness

[colm_mcm]

To put it into context, you're talking someone with no no-claims bonus and without an Irish license.

Can't see why they'd pay the same as someone like me with 9 years clean driving done in this country. I can't even see why there would be a difference as small as 200-300 for the premium to be honest.

No offence to the OP but most people with no claims bonuses etc. are paying around 1000 for FTO insurance, and would be paying a lot more if they were in an accident.

The high excess on XS direct is a kick in the stones, but you can reduce the excess if you wish - obviously the price goes up if you do. I can't see the OP being spoilt for choice on this one. FTOs are tricky to insure at the best of times.

[witcher]

true all anyway I have no choice if I want 2 be on the road so I will probably go for it, will try and find something cheaper next year
thx everyone