A moment of self doubt.

[Eddie Honda]

we were led to believe the same LOL....its actually 12 years nowadays

Whilst I'm not party to that particular insurer's underwriting criteria, the big-bollocks storm was July last year when two of the big players - Aviva and Allianz - announced that they were not writing new standard motor policies for vehicles over 15 years year old.

 

Cherry-picking has always gone on, as has loading for older chod. Pre-banking crash (2007) there were cherry-picker insurers that weren't touching stuff over 9 years old. Back in 2007, I insured a 33-year old DAF with AXA Ireland on a standard motor policy, because it was a daily driver. Back then, Aviva and Axa were happy to write business on such aged cars.

 

When I took a policy out with No-Nonsense/FBD in 2012 on a 2000-plate Pug, their small print was max 15 years-old for new business, but there were still a few in the game which would happily write for up-to 20 year-old cars.

 

The insurance market has got incredibly tight in the last 12-18 months with premiums going skyward as insurers were flogging their policies too cheaply (they say). Quinn, Setanta and now Enterprise falling on their arses hasn't helped either. It's all very well moaning that the Irish motorist gets shafted, but that flies in the face of telephone number size personal injuries payouts awarded by the PIAB/courts.

 

No-nonsense wanted €725 TPF&T on a 2005 Honda Jazz at renewal in July (with max NCD/clean record) compared to the previous year of €331. So I switched to Supervalu (AIG) for €455 (with 50 shopping voucher) for COMP. God knows what it'll cost to insure the 2006 Jazz when it gets back on the road, but as my NCD is tied-up, I'm looking at €700+ easy.

 

I'll agree that up to 10 years old, it's the main game and your chance is as good as anyone else for getting insurance. Between 10-15 years it tapers off into tough territory and after 15 it's into no-mans-land and whilst not impossible to get insurance (3 knockbacks and it's off to the Declined cases committee), it's a right old slog.

 

Having said that, at the same time NoNonsense were quoting 112% more for their renewal. First Ireland were charging exactly the same as the previous year for renewing my classic car policy on my 38 year-old Citroen GS (€229). I was also pleasantly surprised to find that Principle were only asking €516 to insure a 1999 BMW R1100RT motorcycle with zero NCD. It does seem to vary a lot with motorcycles though and small capacity machines aren't miles cheaper to insure than larger ones.

[M'coli]

A couple of weeks ago, I was filling up the Scirocco at a garage in the Derbyshires, when a lad in his early twenties came up to me, laughing his socks off at my elderly motor car and asked me why in God's name I'd not traded it during the scrappage scheme.

 

 

Hmm...early twenties, you say?   Been discussing this with the missus:

 

"What were you driving during the Scrappage scheme?"

[trigger]

Me and my mate had something similar happen the other week in McDonalds whilst at the services when his Morris Marinas carb started playing up, some fat lorry driver came waddling over and started going on asking why we are bothering with such shit as he just couldn't understand it, and then just stood there staring at us waiting for a response whilst looking down his nose at us, the fat cunt.

[cros]

∆∆∆ The fat cunt indeed. I'm surprised people do this as everything breaks down sometime. There's been times when I've filled up and felt that a peek to see if there's any coolant left wouldn't go amiss, but I suppressed the urge to lift the bonnet just to avoid encounters of the cuntish kind.

Having the engine in the cab with you so that your knee is an inch from the hot manifold has few advantages, but one big plus on my Seddon is that you can check the oil, water, and ascertain whether the fan belt is still present without leaving the drivers seat.

[Split_Pin]

Me and my mate had something similar happen the other week in McDonalds whilst at the services when his Morris Marinas carb started playing up, some fat lorry driver came waddling over and started going on asking why we are bothering with such shit as he just couldn't understand it, and then just stood there staring at us waiting for a response whilst looking down his nose at us, the fat cunt.

I would have asked him if he was there to help. If not, again, fuck off.

 

I recall a young guy, scruffy looking, peered into the engine bay of my Coupe, mumbled something, then said "It's still a Vauxhall though". I stopped what I was doing, looked at the badge on the engine cover and said "Aye, right enough".

[purplebargeken]

Never had an issue like this with any of my cars.

 

Mind you, I do look like an evil tempered twat in a bad mood most of the time.

[egg]

We're all going to end up in the ground or up a chimney whatever we drive in the long run. In this scenario l'd shrug my shoulders and smile.

[Squire_Dawson]

I think we all get it but the good comments generally outweigh the bad. The negative ones stick in our mind. It depends what type of car you have too, certain chod is still very susceptible to unfounded piss-taking by the bar-room bores. However, it's safe to say that we always win in the long-term even if no immediate retort is made to the cretins. I got pretty angry at a car show lately where I took my Allegro and passers-by were giving it the usual 'oh they were crap' and 'who would want one of those', some comments are to be expected with a car like that, but I really did come close to shouting the old 'Fuck off, ya cunt'.

[captain_70s]

I've had a few comments regards the Dollys, mostly by the yoofs it has to be said.

 

My favourite was when a lad in a Corsa C, which looked like he'd been cleaning it's black paintwork with a brillo pad, pulled up alongside me in my 1850HL (back when it was all yellow and fairly presentable) wound down his window and informed me I "look like a fucking choad".

 

A fair amount of the current generation of young drivers has probably never had a car over 5 years old so I suppose the concept putting any value into something that's not a current model or a popular, valuable oldie like a Mk2 Scrote makes no sense to them...

 

On the flipside was the woman who called me a "posh bastard" as I locked the Dolly 1300 in a Co-Op car park. Apparently the key to being posh is a shabby example of a 40 year old economy car, an ill fitting, second hand corduroy sport coat and unkempt shoulder length hair.

 

 

I think I can try and rationalise it as much as possible but I think at this point it's easier to simply accept the cars are rubbish and I'm a moron for sinking money/time/effort into them and to simply keep doing it because that's how I roll.

[Sheefag]

We're all going to end up in the ground or up a chimney whatever we drive in the long run. In this scenario l'd shrug my shoulders and smile.

Aye........ then chin the cunt.

[dieselassist]

Ireland sounds like a nightmare trying to run an old car, arent insurance prices ridiculous as well?

 Insurance costs have gone up something like 30% n 50% this year 'on average' - its a totally unregulated 'game' insurance here; totally geared towards the provider, n they hide behind the myth that small injury (whiplash etc) claims are 'on the increase' year on year, n some insurance federation of Ireland spokesman bleats out some made-up statistics...

...Ive not experienced such huge increase, but as the disco is over 2500kg, and classed as a heavy commercial, I swallowed a 25% increase on my last car; a vw caddy.... 

Theres is no 'insurance regulatory board here, anymore - it 'disbanded' in 2010, so it became a 'feeding frenzy for the insurance companies, in terms of costs of premiums... my brother changed insurance companies each year in search of a cheaper quote, but his present company have ignored all his calls to send out the insurance disc- 9 months later - so he cant display that one the windscreen, as hes never got one - all he has is a letter, n the gardai check it with the insurance company n he appears on their records as 'fully insured'... I always pay 'on the drip' - 10 monthly payements - keeps them on their toes; he believes in paying 'upfront' as he doesn't suffer the interest rate they charge then - 15-18%, then, that they charge; but as Ive said to him; once they get that big chunk of money 'up front', they largely forget any 'customer service'...

[Split_Pin]

We're all going to end up in the ground or up a chimney whatever we drive in the long run. In this scenario l'd shrug my shoulders and smile.

Aye, as my Granny used to say when someone felt a bit humpty, "yer a lang time deid".

[chodweaver]

I just can't get past how ducking obnoxious such people are, and how satisfying it would be to kill one of them right there, on the spot. For once, I'd like to try wrestling the 'that was really evil, perhaps he didn't deserve to die' demon later, rather than the 'I wish I didn't feel like a complete loser cos I didn't have a great put-down ready' demon.

 

But this is why gun control is such a good thing, and why I might never go to the states.

 

Sent from my GT-S5830i using Tapatalk 2

[Brodders]

Personally, I love provoking people into saying my car is shit when they haven't seen it, and then look at their crestfallen faces when they actually see it in the metal.

 

For example, when I got the Rover, I was having a conversation with someone I know about it two days after I had bought it. I hadn't driven it in as I needed to sort a few things out on it (insurance related).

 

Anyway, when I told the chap that I had bought another Rover, he retorted with "Why? They are shit."

He then proceeded to talk about how unreliable they are and how horrible they are (as every member of the mainstream public tends to say whenever a Rover is mentioned).

 

Anyway, the next day I drove in and arrived a bit early as the traffic wasn't too bad, for once. The fella was also early, so I offered to show him the new car.

 

Needless to say, 10 minutes later he had changed his tune completely, which made me very smug. It also made me feel very smug the other few times I have had to deal with similar situations.

 

And yes, I do know I am a smarmy git.

[AMC Rebel]

In the words of Goldie Lookin Chain -

 

" I tried to see things from his point of view, but I couldn't fit my head up his arsehole too" 

 

No point trying to talk to idiots - I laugh in their faces nowadays.