Ive always wondered why when i see those insurance adverts the small print at the bottom
says excludes Northern Ireland? are they not part of the uk or do the insurance companies still see them as a huge risk , the troubles etc etc , who do the people in belfast use for insurance?
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As they are part of the UK - I would assume that they have different policy terms
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I've never seen an advert for Sheila's wheels on Saudi t.v.
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Insurance in NI is markedly more expensive - 15 years ago a customer was paying some £2500 per car in his company fleet of 6 x cars.
More accidents and higher personal damage awards gives a different risk profiles and much higher premiums - typically 1.5 to 3 x UK rates
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cars getting nicked and blown up probably has a lot to do with it.
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>> cars getting nicked and blown up probably has a lot to do with it.
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i thought they had packed that lark in?
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>> >> cars getting nicked and blown up probably has a lot to do with it.
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>> >>
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>> i thought they had packed that lark in?
No
www.bbc.co.uk/news/uk-northern-ireland-15136010
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I seem to recall that "Joy Riding" was invented in the place - NI's only successful export.
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>> I seem to recall that "Joy Riding" was invented in the place - NI's only
>> successful export.
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Nah ! We also have Bomber Jackets in the UK.
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>> More accidents and higher personal damage awards gives a different risk profiles and much higher premiums
I agree, having driven vans over to NI a few times for work I quickly resolved never to go there unless I was being paid for it :)
There are no "traffic calming" or road safety measures to speak of: Picture a rural A-road T junction in England - there will be a right-turners lane, lots of chevrons and red road paint, bright street lighting and quite possibly a 50mph limit; In NI there is none of the above, and usually the road is bordered by 6ft hedges on both sides to boot! Add a couple of articulated lorries into the mix (usually turning into or out of the side road) and it all gets a bit hairy.
On the open country stretches of single carriageway there are often poorly surfaced "hard shoulders" on both side of the road (like this bit.ly/r1sTMq ) which are used for overtaking, double overtaking, undertaking and, frequently with no warning, parking.
Couple with all of that a healthy disregard for speed limits (and drink-drive laws) and the insurance companies' reasoning becomes clear.
The roads in southern Ireland are worse, btw.
Last edited by: Dave_TDCi on Sun 2 Oct 11 at 10:38
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>> The roads in southern Ireland are worse, btw.
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I'll second that, we unfortunately hired a Focus when over in Clare 3 or 4 years ago, big mistake, you need a car with very compliant suspension if you want to keep your fillings and sanity, not a boneshaker.
The driving wasn't too bad and only the odd lunatic behind the wheel of other cars, but the roads are appalling, not pot holed as such by weather and wear they were seemingly constructed by tarmac straight over whatever was there without the bother of levelling and supporting.
Noticed a lot of modern Landcruisers around the country areas where my family hails from, probably not much else can stand the pounding or protect the passengers from the roads over time.
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how ironic you would think the tarmac in the sarf would be spot on ...coals to newcastle if you will
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excludes NI - Redviper
