What to do when you cannot get motor insurance..
At any stage during your driving lifetime, you can find yourself shut out of the standard motor insurance market. It is not just those with driving convictions that can find it difficult to obtain motor insurance. You may have been unlucky to have a number of insurance claims, you may have changed your occupation or decided to buy a vehicle that standard insurers do not want.
So what can you do? Here are our top tips for getting motor insurance when you have been declined elsewhere:
- Start shopping around: If you are insured with an insurance company directly, you are not giving yourself the best opportunity for cover. Use a broker or contact as many insurers as possible for a quotation. One size does not fit all when it comes to motor insurance.
- Contact a specialist insurer. Contact nonstandard.ie (well, we would say that wouldn’t we!). We deal with specialist insurers that are comfortable taking on risks that are normally declined on the standard market.
- Know your rights. If you have had motor insurance previously and you are now been refused cover, you may be able to force your previous insurers hand. Follow the companies complaints procedure and if they still do not quote contact Insurance Ireland (formerly the Insurance federation of Ireland) who will help you to obtain a quotation from that company (what the premium will be might be a different story..)
- Make yourself a better risk If you have obtained a quotation but it is still very expensive, look at ways to make yourself more appealing to insurers. Do you have a provisional licence? Consider sitting the test. Is your vehicle over 20 years old? Consider a newer vehicle.
If you’re still not having any luck getting insurance, contact our motor dept today on 0818919699 and we will do all we can to get you on the road.