Bump Car Insurance – Overview

Bump Car Insurance – Background

Since 2013, Bump Insurance has been underwriting car insurance in Ireland. Over the last number of years, Bump car insurance became quite popular throughout the country.

Patrona Insurance Group, a major insurance underwriter, bought Bump Insurance since then.

They deal exclusively through a network of selected brokers which, we at Quoteme.ie, are one.

As a result,  Bump Insurance only provides a quote through a fully accredited insurance broker.

Bump Car Insurance Review

Bump Insurance is an underwriting agency that provides innovative insurance products through a network of brokers throughout Ireland.  Patrona Insurance Group now owns them.

They are well established in the market and our experiences with them as a broker have been very good.

They provide a great service through brokers to their customers. As a result, they enable us to maintain top-level standards in customer service.

However, everybody’s car insurance requirements are different. Therefore, you should review policy documents to make sure that they meet your needs.

In conclusion, if you find a policy that meets your needs and budget from Bump Insurance then strongly consider it.

See if Bump Insurance can offer you the best price for car insurance.

Rating: 5/5

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Conclusion

Bump Insurance is based in County Galway. They have grown significantly in the last number of years. Therefore, have made a substantial impact on the Irish Insurance market. They are regulated by the Central Bank of Ireland (as you would expect).

Consider selecting a policy from Bump Insurance if it meets your requirements.

Compare Bump Insurance quotes for car insurance with other top insurance providers in Ireland.  Use our quote comparison tool linked above to find out if  Bump Insurance can offer you the best price on your policy.

Alternatively, give us a call on 0818 224433 or 042 9359051. Talk to one of our insurance advisors who will be delighted to help.

Bump Insurance provides car insurance. Get a quote today.

 

Zurich Car Insurance – Review and Background

Zurich Car Insurance – Introduction

Many of our customers have questions about Zurich Car Insurance.

They have seen an advertisement on television or attended an event which was sponsored by Zurich. As a result, they want to know more about the company.

We have worked with Zurich for many years, and as a broker, provide car insurance quotes from Zurich Insurance among many other companies. Therefore, we advise that you consider Zurich when looking for Car Insurance.

About Zurich Insurance

Zurich Insurance employs more than 400 people in Ireland.

It has locations in both Dublin and Wexford with it’s Wexford customer care operation opening in 2008.

Zurich is one of the top car insurance providers in Ireland. Many of our customers have taken out a policy with them.

We delighted to be able to provide our customers with quotes from Zurich as part of our quote comparison service.

Zurich Insurance PLC is regulated by the central bank of Ireland.

Review of Zurich Car Insurance

As with all the companies we work with as insurance brokers, Zurich Insurance is reliable, has demonstrated good customer service over many years, and complies with insurance regulation here in Ireland. Furthermore, they have an Irish base.

As a result, you should consider quotes for car insurance from Zurich Insurance.

The Zurich brand is established over many years and can be trusted to provide car insurance that meets your needs. Therefore, Zurich Car Insurance is a good option for car insurance in Ireland.

Our quote comparison tool will show you if  Zurich Insurance is the cheapest policy for your requirements and circumstances.

Rating: 5/5

How to Get a Quote for Car Insurance from Zurich Insurance

Use our online quote comparison tool to get car insurance quotes from Zurich Insurance along with a number of other top insurance companies. Consequently, you will see the cheapest quote among the companies offered.

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AXA Car Insurance – Background and Review

AXA car insurance policies are very popular with our customers. In some cases, they provide the best balance between coverage and price.

As a result, we have written this post to help you when looking for an AXA car insurance quote.

We hope that it helps you as you look for a quote.

Background: AXA Car Insurance

AXA Ireland has been in operation since 1999. Car Insurance is one of their most popular products.

Therefore, they have vast experience providing car insurance policies.

AXA is one of the top 5 biggest general insurers in Ireland. With this, they have lots of experience with car insurance policies.

They have 42 branches in Ireland.

AXA Car Insurance – Review

We have sold countless policies including car insurance from AXA over the years and we have found them great to deal with.

They have a great track record in Ireland. This is a major positive.

In light of this, we are confident recommending AXA policies to our customers.

Rating: 5/5

Save on Car Insurance

They are one of the many insurers that are compared using our quote comparison tool. So, if you want to see how AXA stacks up on price for your circumstances, simply fill out our quote comparison form.

Alternatively, give us a call and one of our helpful insurance advisors can assist. You can reach us on 0818 224433 or 042 9359051.

Compare Car Insurance Quotes

We can help you find the best car insurance quote across multiple insurance providers including AXA.
In the event that you are looking to renew your policy or are getting insured for the first time, you can compare policy quotes across multiple insurance companies to find the cheapest price for the level of cover you require.

There can be quite a variance in prices quoted for car insurance. Therefore, we recommend shopping around.

Conclusion

There are many good insurance companies operating in Ireland. AXA sits among the top with respect. As a result, you should consider a policy from them if it meets your cover requirements and budget.

Furthermore, you can be confident as AXA Ireland is part of a global AXA brand.

All in all, AXA have established themselves as a major player in the Irish insurance sector.

Car Insurance with a Criminal Conviction

What is Convicted Driver Insurance?

Convicted driver insurance is insurance for a driver who has a criminal conviction. The cost of insurance is usually higher when the driver has a previous criminal conviction.

Does a criminal conviction make it harder to get car insurance?

A criminal conviction makes it harder to get car insurance. Surprisingly to many, this does not only include convictions that relate directly to driving. Any conviction may result in certain problems when seeking car insurance.

How to get car insurance when you have a criminal conviction

The first thing you need to do is disclose your conviction to your insurance broker and insurer. Never hide your conviction because it will lead to problems down the line. It may result in your policy being voided.

It is also important to know that any conviction must be disclosed even if the event or the conviction happened after the policy of insurance was taken out.

This is something that can easily be forgotten but is just as important as disclosing the conviction when the policy is taken out. In this circumstance, it is up to the policy holder to make contact with their insurance provider and notify them about the conviction.

There are insurers who specialise in policies for people with convictions. It is possible for a convicted driver to shop around to find the best quote.

Spent Convictions – Car Insurance

What is a “Spent” Conviction?

Some convictions are regarded as “spent” after 7 years. The 7 years is counted from the date of the sentence (conviction).

These are:

  • All convictions in the District Court except for convictions for dangerous driving and a single conviction in either the District our Circuit Court which resulted in a prison term of less than 12 months or a fine
  • Convictions for a sexual offence or an offence tried in the Central Criminal Court must always be disclosed and are never “spent.”

Up until 2016, there was no set time in Ireland whereby there was expungement of adult criminal convictions after a set period.

In terms of insurance, it is really a lifelong punishment since all insurance companies ask, at the time of new business quotation and/or renewal, whether there has ever been any criminal convictions.

The 2016 act states “If you have been convicted of fraud, deceit or dishonesty in respect of a claim under a policy of insurance or a policy of assurance, you have to disclose that conviction on any insurance or assurance proposal or form.”

Failure to disclose such convictions could mean that your policy is invalid and cancelled from inception date – effectively meaning that cover never existed. It will also mean that any claim will not be paid.

It is important to note that these rules apply to all insurance policies, not just car insurance.

Questions Insurance Brokers/Companies will ask a Convicted Driver

At quoteme.ie we ask the following question when we receive an application for car insurance:

“Have you or any driver who may drive your car ever had any convictions for any offence of any nature or any pending prosecutions?”

Convicted Drivers Insurance

In the case where the offence resulting in the conviction was related to driving you will have to disclose details. For example, in the case of seeking car insurance for a person convicted of a drink driving related offence a number of additional details are required.

A number of insurance companies provide quotes to convicted drivers. We get quotes on your behalf from these insurers so you can select the best quote.

Convicted drivers insurance can be significantly higher than a driver without a conviction. That’s a key reason to shop around for your quote. We can help you get cheap convicted drivers insurance. Everyone’s circumstances are different. You may be surprised at how much you can save on your policy.

Convicted Driver Insurance and Drink Driving Insurance

We help drivers with a drink driving related conviction get car insurance. During the application process, we require additional details from the applicant that relate to their conviction.

If you have a drink driving conviction, we have a number of insurers willing to quote for your car insurance.

In order to get an insurance quote for a driver who has a drink driving conviction we require the following details:

The date of the offence and the penalty you received.
Since 2011 your penalty will reflect the offence so we no longer need to know the statistics around your blood/alcohol levels at the time of your offence.

A major factor in determining the cost of your car insurance policy will be around the penalty you received. If you were disqualified from driving for more than 2 years, you will have lost your no claims bonus, with the obvious consequence.

Even if you have a drink driving conviction it is worth shopping around for quotes. Many insurers will give you a quote but in our experience, this can vary according to a number of factors.

We can help you find the lowest price quote from insurers who have policies for drivers with a drink driving conviction.

Our insurance professionals can help people with convictions get the best possible quote for their circumstances. We recommend that you give us a call and we will do our utmost to find the best quote for you.

Insurance for a Driver with a Conviction

For a driver with a conviction, it is more difficult to get car insurance. Quotes are higher for individuals with a conviction than for people without a criminal conviction. However, this increase in cost can be reduced.

Over the years we have seen many convicted drivers make substantial savings on their policy. Even though the quote will be higher if they did not have any convictions, shopping around does pay.

Please call us for a quote. We will compare insurance companies that insure convicted drivers and are happy to walk you through the application process. Our friendly insurance professionals will make it easy for you to provide all the required details.

Call us on 0818 224 433.

Car Insurance Ireland: What You Need

Car Insurance in Ireland has increased substantially over the last number of years. However, this year. we are seeing quotes from many insurance brokers stabilise and in some cases come down. Car insurance Ireland is a topic that is sure to be discussed at length in the mainstream media.

In general, when getting a new policy for your car in Ireland, or when renewing your policy, make sure you shop around for the best price.

Get a Car Insurance Quote

Getting a car insurance quote in Ireland is easy. It should not take more than three minutes.

Here are a few key things you should have at the ready when you are getting a car insurance quote.

What do you need for a Car Insurance Quote in Ireland?

  • Your registration number.
  • The date of birth for all people you intend putting on the policy.
  • The dates they have passed their test
  • The penalty points (if any) on the licences of those who will be on the policy

Please see full checklist below:

Car Insurance Ireland – Checklist

Car Insurance Ireland – Keep your insurer up to date

It is essential that you inform your car insurer of any relevant changes that have occurred since you took out your policy.

You must inform your insurer if you change your car, If you or another named driver pick up any penalty points or convictions, any changes to your occupation. If you change address or any changes to your health.

You also must inform your insurer If you modify or alter your car. This includes adding body parts.

Car Insurance Ireland – Selling Your Car

If you are selling your car in Ireland simply return your insurance disk to your broker. Some insurance companies will refund you for the remaining duration of your policy. Other companies will not give refunds on a cancelled car insurance policy in the first year of insurance. If you are unsure what refunds you can get, contact your broker.

Changing Your Car

You need to make sure that your insurance policy covers your new car. The easiest way to do this is to send your insurance disk back to your broker and advise them on the details of your new car. You also need to inform them when the transfer of cover is due to take place.

Driving in other countries

An Irish car insurance policy covers you for driving in Europe for 31 days.
Moving to a different Car Insurance Policy in Ireland
Car insurance renewal in Ireland is easy. You can easily move to a cheaper policy instead of renewing with your current provider.

At the very least, you should get a quote from a number of insurance providers before renewing. If you are concerned about the hassle of moving policy, you shouldn’t be. Contact an approved insurance broker that is regulated by the central bank of Ireland. They will help you take out a new insurance policy.

Breakdown Assistance

Many policies offer breakdown assistance. It is always a good idea to read the terms and conditions carefully and ask your broker about the details.

Car Insurance Quote

If you are looking for a car insurance quote in Ireland then simply use our car insurance quote engine. You will be able to compare quotes from multiple insurers. You can also just give us a call on 0818 224433 or 042 9359051. We would be delighted to take you through the entire process.

Car Insurance for a Premier League player if they transferred to the League of Ireland

In this crazy football transfer market, what if a Premier League player was signed by a League of Ireland team? This may not be as far-fetched as it originally seems, considering the possibility of Champions League football for the League of Ireland club.

Since Premier League players are known to drive expensive large engined cars, we have taken a look at what a typical Premier League player would pay for car insurance if they transferred to the League of Ireland.

The Range Rover Evoque is the most popular car driven by Premier League players across the water, so we have used this for our analysis.

We picked four areas – North (Donegal), South (Cork), East (Dublin) and West (Sligo) plus the town of the League Champions Dundalk.

Sligo and Cork had the cheapest quote followed by Donegal and Dublin. Dundalk had the most expensive quote by a clear distance.

Quotes are based on a 25 year old male footballer with a five years no claims bonus.

Dublin:
LOI Teams: Shamrock Rovers, Bohemians, St Patricks Athletic
Car Insurance – Range Rover Evoque Dublin: €2,993

Dundalk:
Team: Dundalk FC
Car Insurance Dundalk – Range Rover Evoque: €4,812

Cork:
LOI Teams: Cork City
Car Insurance – Range Rover Evoque Cork: €2,875

Sligo:
LOI Teams: Sligo Rovers
Car Insurance – Range Rover Evoque Sligo: €2,875

Donegal:
LOI Teams: Finn Harps (Ballybofey)
Car Insurance – Range Rover Evoque Donegal: €2964

Conclusion

Based on car insurance quotes from thirteen different car insurers, Cork and Sligo offer the best value for the player. Donegal comes in second with Dublin not too much more expensive. Dundalk has the most expensive policy quote for the car used in this example.

If you would like a car insurance quote and are not a 25 year old footballer with a Range Rover Evoque then use our comparison engine now.

Strange decision over discriminatory practices by car insurers

Car insurance for EU license holders in Ireland is an important issue, since most of the 12% of non-Irish citizens in Ireland are from EU countries. In principle, drivers from EU countries should expect to be treated equally when it comes to car insurance. It is true that one of the obstacles to overcome for EU citizens is the differences between Irish licences and non-Irish licences. A major difference between a non-Irish driver’s licence and a license issued by the Irish State is the amount of information available to car insurance companies in Ireland.

However, in a recent case that came before Ireland’s Workplace Relations Commission (WRC), a Polish man who has been living in Ireland for over a decade lost his claim against an Irish insurance company. The man holds a full Polish driving licence, and has a no-claims discount of four years in Ireland. Yet when he tried to get insurance in June, he was quoted €942. If he had had an Irish license, he would only have paid €768, and if he had held a UK license, he would only have been charged €760.

The Polish driver challenged the decision of the Irish car insurance company at the WRC, the independent, statutory body established in 2015 under the Workplace Relations Act 2015. His challenge was based on the provisions of the Equal Status Act, Discrimination and Related Activities, Disposal of Goods and Provision of Services.

For some obscure reason, the Commission found that the insurance company had legitimately discriminated against the Polish driver, who has lived and worked – and paid his insurance – for 11 years in Ireland. According to the WRC, EU citizens with non-Irish driving licences can be charged more for insurance. This does not seem fair.

UK car insurers punishing customers for loyalty

With a debate in the Dáil yesterday on the rising cost of insurance, it’s interesting that across the pond UK car insurers are punishing customers for their loyalty, rather than rewarding them.

Despite a pledge by the UK’s Financial Conduct Authority to stamp out the unfair and underhand practice of increasing costs for loyal car insurance customers, a recent study shows that car insurers are ignoring this.

The Times of London recently highlighted a study that shows that over six million UK car insurance customers fail to look for a cheaper deal when renewing their policy. With insurers imposing a £110 premium on loyal motorists who fail to switch to a cheaper rival, that means that car insurers are overcharging by about £660 million.

The study was conducted by comparethemarket.com, the UK car insurance comparison site made famous by Russian meerkat Aleksandr Orlov and his family. (Aleksandr has been good for advertising. When the campaign was first launched, the number of monthly unique visitors to the site jumped from 218,000 to 1.1 million in one year.)

The study shows that motorists are being overcharged by a record amount, based on the widening of the gulf between average renewal quotes and the cheapest policies on the market. In the first three months of 2016, motorists were forced to pay an average of £682 for fully comprehensive cover, even though premiums of £572 were available for those who shopped around.

The premium on loyal customers in the UK is now at the highest it has been for four years. Motorists under 25 are particularly vulnerable, and are being forced to pay the highest loyalty premiums of almost £245.

Simon McCulloch, who runs the comparethemarket.com website, says that passivity on the part of motorists is pushing up the cost of premiums. “Inertia of some motor insurance customers has been the real driver of the premium increase. By not shopping around, consumers are inadvertently sending a message to insurers that they are happy to pay more for their cover. ”

In Ireland, the quoteme.ie website helps motorists – both existing and new customers – find the most competitive car insurance quotes.

Tips when hiring a car abroad

With thoughts of booking summer holidays on the horizon, we’ve put together some useful tips on car hire abroad to make sure it’s a stress-free experience:

  • When hiring a car abroad, make sure that the requested insurance cover is documented. Ask specifically if the car provided will be fully equipped to meet all the legal requirements of the country being visited
  • Familiarise yourself with the rules of the road of the countries you intend to drive in
  • When collecting your car, ask the rental firm about their procedures should it break down and the emergency number to call
  • Check that your rented car has emergency equipment. Check all the switches, indicators and other controls – if any are unfamiliar or don’t work, ask the rental firm for guidance
  • A good phrasebook will come in handy for communicating with a policeman, breakdown recovery firm or garage
  • If you are looking for the best bargain, remember that prices quoted online often only contain the basics. Check what is included in the final quote and what is not. Pay special attention to airport surcharges and insurance cover
  • Check the cost of extras that you will need during your rental: child seat, additional driver, extra insurance etc.
  • Carry your driving licence, original vehicle registration document and passport; you may be asked to produce any one of these items. A provisional licence is unacceptable and the minimum driving age in most countries is 18
  • If you are staying in the EU then you do not need an international driving permit. However it is still worth having one as some hire companies insist on them
  • Remember that children under 12 and/or 1.5 metres in height are not permitted to travel as front seat passengers in some countries

Insurance implications of driving with an overcrowded car

There are many implications of driving with an overcrowded car. Firstly, it’s illegal. It’s also very dangerous, and can make it more likely that you will be involved in an accident. The law says that you should only carry the number of people that can each sit in a manufactured seat with a seat belt, so if your car was designed only to carry 3 people, it’s against the law to carry 4.

So even if you can manage to squeeze 7 people into a mini, it’s unsafe and against the law. Cars are manufactured with a certain weight ratio in mind and ignoring this can cause serious mechanical problems with the car. Carrying too many people also has safety implications.

More weight in your car will increase the wear and tear on your vehicle, and also increases your fuel consumption. A heavy weight can cause the underside of the car to drag over speed bumps and when travelling up- or down-hill which can damage exhaust pipes and brackets.

A heavy load can also negatively affect your steering and your braking. If your car is too slow to respond, you could be involved in a serious accident. Excess weight can also mean that your headlights will become misaligned which could result in you dazzling drivers travelling towards you.

A very convincing reason for not carrying more people than you should is the possibility that you will be stopped by the police. If you are involved in an accident while transporting more people than you should, regardless of who is to blame, you could find it difficult to prove that you were not at fault. You could leave yourself open to legal action from those who were travelling in your car or, in the case of children, their parents.

Which brings us to the subject of insurance – carrying too many people in your car could jeopardise your insurance cover. Insurance companies typically allow for only 5 people to travel in a single vehicle (however, if you have a people carrier, you should point this out to your insurer to make sure that you are covered).

If you decide to carry more people than you should, the insurance company could declare your cover null and void. This in turn could lead to a situation where you could face a charge of driving without valid insurance.