Been meaning to post this for the last couple of weeks.  Basically my wife had renewed her motor insurance 14 days before she picked up her new Citigo.  She had had a 2007 Getz which is a group 11 car.  Her new Citigo is group 2.  The surprise was that whne we logged on to the RAC website and tried to change the car on the policy, it just give a message saying to phone them.  Did so to be told that her insurance company would not insure her to drive the Citigo.  Luckily we were just in time to cancel the policy without fees, and so she had to start from scratch.

 

I have never come across anything like this before.  It is not as if she was moving to some high risk vehicle like a modified performance car.  Very hard to understand.

Did they give any reason why not? Very unusual.

No, I was dealing with a broker (RAC) not directly with the actual insurer.  Didn't cost us anything as the new policy was within pennys the same price as the old, but it was surprising.

No, I was dealing with a broker (RAC) not directly with the actual insurer.  Didn't cost us anything as the new policy was within pennys the same price as the old, but it was surprising.

My best guess would be that they've got no experience with the CityGo (or thought it was a CityGoGo?   )

My best guess would be that they've got no experience with the CityGo (or thought it was a CityGoGo? )

My best guess would be that they've got no experience with the CityGo (or thought it was a CityGoGo? )

My best guess would be that they've got no experience with the CityGo (or thought it was a CityGoGo? )

+1 or they have put it into a daft segment which required certain criteria must be met.....

It irritates me when I hear insurance groupings... all companies will rate each car differently.

It could be as you've gone from an 07 plate to a 13 plate car that particular insurer or scheme may not cover brand new vehicles. I've had a company today where one of their schemes won't cover a 13 plate Dacia, every one is different or there wouldn't be a competitive market

Remember we are talking about NI. A pal of mine lived over there for a couple of years and he was still not the wiser as to how the NI car insurance market worked.

I had problems with an insurer years ago when I moved to NI from Oxfordshire.  The company I was insured with normally would not insure in NI.  However even then they still covered me for the rest of the year, but did not offer a renewal quote.  Therefore I still find it hard to understand the refusal to cover the Citigo.  The RAC broker had no clues as to why.

Edited 3 September, 201312 yr by CitigoAllen

Maybe they are the Current car of choice for stealing or Fire Bombing in NI.

Or just an IT glitch.

 

george

sk4gw, that is the second time you have posted offensive remarks about NI.  Truth is NI is safer and with a lower crime rate than the vast majority of GB.  To givbe you an impression of how risky the insurance companies feel where we live is is the fact that her insurance, fully comp, guaranteed courtesy car, legal protection, fully protected NCB etc cost the huge some of £150.23.

Edited 3 September, 201312 yr by CitigoAllen

Maybe lighten up, it was a non serious post.

 

But, Not posted as Offensive but as a actuality. Sorry that you see it some other way.

 

It was based on why some companies did not Cover NI. Motability etc.

Car Crime, Fraud and risks greater than the Mainland UK or Total Loss..

 

So tell us why they would not quote on the Citigo once you find out please.

Maybe Like i said,

"just an IT glitch!"

 

http://www.niassembly.gov.uk/researchandlibrary/2011/3711.pdf

Belfast car crime might be double that of Newry!

Insurance might be cheaper though.

 

george

There are some underwriters who limit insured values to £10k. Highway is one such company.

Who underwrote the RAC policy?

Don't know of hand, I will look at her original cert this evening.

My first years insurance after passing test was £900 3rd F&T (+ all extras) in Hull, I then moved back to NI and Norwich Union (as was then) didn't cover NI (as resident). So I got a new policy, cheapest by far for me to insure the same car in NI for same 3rd F&T with no extras was £2800 (before the interest added for monthly payment, brought it over £3K). These days the gap is much lower between NI and GB but some insurers just don't cover NI at all, their choice, their business tbh. 

 

The history of NI has nothing to do with premium prices, many policies excluded 'Acts of terrorism', for example. As said in the report above it's fairly spot on for today. NI has on average younger drivers who drive more miles per year than GB and the country has almost no motorways (the safest type of carriageway) (longest one by far is 36 miles long and 90% of it 2 lanes, no one has a clue how to drive on it, unless they are on holiday from GB). Personal injury claims and the claims culture was in NI what it is today in GB but 20 years earlier (one of the few things NI pioneered). Average compensation claims were beyond double, that has the greatest impact according to the insurers themselves normally when it is brought up in the media every couple of years. With the lower aged average driver in NI lots ignorantly discount this as they personally may be older and fail to see the fact that these younger higher risk drivers are all around them which is where the associated risk comes in to play.

 

The average driving standard is lower than GB also with a country that had almost no road policing until relatively recently, got first speed cameras in 2002 (4 of them). It was more like the Isle of Man when it came to speed NSL zones. This is a working progress and it is slowly improving but it takes time. The poor quality of the rural roads (all roads) is evident when driving in the province, a poor B road in GB is often similar to a good main A road / main trunking route in NI. Road casualty statistics are among the worst in Western Europe per head of population too.

 

As much as it pains me to see how poor standards of driving are in GB (talking motorways only here rest is pretty high) when coming from mainland Europe, like each time I visit NI. I know I am about to experience some of the crapest drivers on earth, who have absolutely no excuse to be so! NI drivers are the reason why I have been running cameras in all my cars and on bikes for 5 years odd now! 

 

That said in NI my remapped VRS when I got a quote the other month was £362 fully comp / £50 excess / protected NCB / legal / windscreen / Extended EU cover etc etc That's not too shabby (im under 30 also) and I get that price because of my NCB / NCD. Those who keep causing collisions or collection penalty points in NI or anywhere else who get higher premiums, or can't shop around enough, tough titty!

 

Of course NI does as with most places has the commonly known as 'Postcode lottery' side of things too.  

 

Ref report above Newry which is technically a city is a small market town (The Queen say's it's a city now though) its comparison is useless against the capital city Belfast.  

 

Car crime in NI rightly or wrongly in more densely populated areas like with all society where the majority of crime exists, is sometimes tackled in addition to the normal Police respect (of having their hands tied behind their backs a lot of the time). Joy riders etc in NI play with their legs and lives when they steal someone else's property. Punishment beatings awarded to such members of society by certain organisations. In the guise of Policing their own areas, often requested by locals and range from being 'tarred and feathered' in public, beaten/shot to crucifixion (as in the biblical sense). This is not a single offence thing, generally the 'victims' are habitual offenders who have been warned time and time again before anything so extreme may happen and are aware of the possible consequences of their actions against their own communities, from their own communities. As horrific as it may well be and ultimately uncivilised, it would appear to have been more effective than an ASBO would be in GB. More so in recent years, parents with out of control young men have escorted them essentially by appointment to be shot in the legs. That specifically has been the trend in Londonderry while it held the title of 'UK city of culture'! Crazy wee part of the world or what?  

Slightly OT,but how often do we get asked if car has certain features .I get fed up answering that my Fabia has Thatcham 2 immobiliser ( Skoda confirmed ) ,ABS and airbags . Another thing I find wierde ( and more wierde with brokers advertising on Briscoda) is that when I input my reg ,I get several  varying models returned . 

Slightly OT,but how often do we get asked if car has certain features .I get fed up answering that my Fabia has Thatcham 2 immobiliser ( Skoda confirmed ) ,ABS and airbags . Another thing I find wierde ( and more wierde with brokers advertising on Briscoda) is that when I input my reg ,I get several varying models returned .

You always have to notify modifications or optional extras. And most companies are hooked up to the DVLA database so that'll be something their end if you're getting numerous results. Worth checking what your log book says