dacia duster

Most Affordable Family Car to Buy in Ireland 2017

Our Top Choices:

Every family in Ireland wants a family vehicle for day to day functions and other purposes as well. However, they are limited by a budget as we all are. The good news is that there are vehicles that do not cost much but serve the purpose of being a family car just as well as any other vehicle. There are certain characteristics that are common among family vehicles such as space. The following are features of the most affordable cars to buy in Ireland in 2017:

Dacia Duster

dacia duster

The Dacia Duster which is a sport SUV (sports utility vehicle) comes either as a five-door wagon or a four door pick up. It is mostly available with a 1.6L petrol engine. The Dacia is a two wheel drive vehicle with a five or six-speed transmission that is either manual or automatic depending on the taste and preference of the consumer. The Duster has two front airbags for safety in case of a collision and for preventing a collision it has an electronic brake force distribution (EBD) and emergency brake assist (EBA). The average top speed on all Dacia Dusters is about 175 km/h.

SsangYong Tivoli

SsangYong Tivoli

The SsangYong Tivoli is another fabulous family SUV. It is a big vehicle with 18′ wheels. The interior is superb too. There is a dual zone climate control function to adjust the atmosphere in the vehicle. All the seats are made from leather, and the front seats are heated in case it gets cold. For the weather outside you have fog lights and rain sensing wipers that make driving very easy. The control panel in the car is a 7″ touch screen RDS radio with iPod & Bluetooth connectivity and also a reversing camera. In the case of a collision, there are seven airbags to be deployed for all passengers.

Citroën Berlingo

Citroën Berlingo

This leisure activity vehicle has a four-cylinder petrol and diesel engine with a wide range of 1.4L to 2.0L and 1350cc to 2000cc. It comes with a five-speed manual transmission but more recent; electric versions come with an automatic transmission. Most of the appeal comes from the fact that it is a hybrid and newer versions have lower CO2 emissions that many hybrids. It is mostly available in a four or five-door panel van.

Nissan Note

nissan note

The Nissan Note is a Japanese made hatchback with five doors. The vehicle is accessible as a two wheel drive or four wheel drive dependent on consumer choice. It has a 1.5 L petrol engine with about 100 HP. The transmissions are different depending on location. Five-speed manual transmissions are fitted into Japanese versions while four-speed hydraulic transmissions are fitted into European and American versions. You also get an exclusive HDD navigation system with incredible features such as a music stoker and a 30 GB hard drive. The wheels are 15-inch aluminium alloy. The car comes with a Super UV-blocking green glass so you can park outside without having the damage of too much heat in your car. It also has leather seats and a wide selection of colours to choose.

Skoda Octavia Estate

skoda octavia estate

The Skoda Octavia Estate is an Eastern European family car with five doors and four wheel drive capacity. You have a range of choices from 1.4 L to 1.9 L engines either running on petrol or diesel. With the newest version, you get a radar sensor in the front bumper to help the driver avoid collisions. You also get front and back cameras to judge distance particularly when your vision is impeded by the weather. The transmission is five, six or seven speed with the latter for two-wheel drive versions only.

Hyundai i30

i30 hyundai

This South Korean made vehicle can be acquired as a hatchback or an estate. You have the option of acquiring it as a three door or five doors depending on your preference. You also have a 2.0 L engine with a choice of transmission between five and six-speed manual or four-speed automatic. It has incredible fuel consumption with 10 L/100 km in the city and 7.8 L/100 km on the highway. The vehicle weighs less than 1500 kg and has a top speed of about 200 kph.

Citroën C4 Cactus

citroen cactus

The Citroen C4 Cactus is a compact SUV, but it is like no other. It has a special design known as the “Air bump panels.” The panels are meant to protect the vehicle’s sides from damage. The vehicle mostly comes as a five-door hatchback. You get the option of a 1.2 L petrol engine or a 1.6 L diesel engine. The tires have an 18′ aluminium alloy rim, and the vehicle has a choice of either four wheel drive or two wheel drive. The car’s transmission has quite some range with five and six-speed manual transmissions or four and five-speed automatic transmissions.

car insurance company refusing to ignore you

Can a car insurance company refuse to insure you?

Insurance cover is not as straightforward as many other products in the market. In some instances, insurance companies can deny coverage:

1. Driving an old car

Ireland’s big motor insurance companies are refusing to cover old cars. Customers driving vehicles that are 15 years or older are denied insurance cover, even if they have a valid NCT that provides their cars are safe to be driven. Insurers claim that such cars are more likely to be involved in fraud cases, can cause more collisions, are poorly maintained and have bald tyres. It is said that whenever older cars are involved, the frequency of personal injury is higher. However, motorists should know that this rule applies to new clients only; the existing customers whose vehicles have passed the threshold would still be covered.

2. Denied policies

If a client has a type of insurance with a carrier offering multiple lines of cover, then the insurer is under no guarantee to commend any application the client submits for an additional cover. The insurer will have to underwrite and evaluate the client’s application just as any other applicant, and will either decline or approve the policy based on the risks the client presents.

3. Cancellation

Cancellation is a strike against a client’s insurance record. It is, therefore, important to avoid it. Paying your premium on time is essential, as is being truthful when giving information to potential insurers and avoiding driving under the influence. Most people are tempted to lie about tickets or their recent traffic offences, but eventually, that will destroy the health of your driving record and credit. When a client’s insurance company cancels their policy, that will stay on their record for years. Nevertheless, if the client gets many cancellations in a year, then most insurance companies would deny you their policy because such a client is a “high risk” insured. That will only mean the client can go to a high- risk carrier and they will have to pay up to five times what is paid on normal rates that they used to pay at a standard insurance carrier.

4. Denied claims

Even though a client may pay their premiums on time regularly, their insurance company may not pay the reported claim. First of all, the policy may not cover the situation that surrounds the claim, but may be one the exclusions listed. Secondly, if the insurer finds out that the damage was caused by the insured, then the claim might be denied. Finally, a claim could be at a level of deductible, implying that client is accountable for paying it.

5. Non-renewal

It is not the obligation of an insurance company to renew the insurance policy for a policyholder. An insurance company can issue a non-renewal notice if:

  • A client has filed several claims in a short time
  • The credit rating of a client is declining sharply and their present insurer sees them as a liability
  • The carrier has decided to pull out of a certain line of business or is restructure its insurance line of business and is discounting a client’s policy through no fault of their own

If a customer has been or is a victim of any of the above reasons, then the insurer can choose not to renew the policy. In some instances, additional premiums may simply be added to reflect the risk that has been increased.

what does excess mean in the insurance industry

Excess – What does it mean in the Insurance Industry

What does Excess mean in Insurance Terms?

Many people assume that once they get a car insurance cover and pay premiums religiously, the will never have to part with any money in case something happens to the vehicle and they have to make a claim. However, this is not usually the case because you will still have to settle a percentage of the claim while the insurer pays the rest. The amount that you will pay out of your pocket towards the claim is what is referred to as excess in insurance terms. This is one of the downsides to making a claim besides the fact that it can also increase your premiums in future.

The good thing about excess is that your insurer will give you the freedom to choose a level of excess that you can pay comfortably. However, some people tend to be too optimistic and choose a high excess in the hope that they will never incur the risks that they are insuring against, and hence they will never make a claim. This tends to significantly lower their premium and make the policy to appear cheap but in reality, this is a very risky move that can make them bankrupt if something goes wrong. Therefore, it is advisable only to choose a level that is within your means and factor all the possible scenarios. The insurer will reduce the premium when you choose a higher premium because you will bear more risks than the insurer.

Types of Excess

Basically, there are different types of excess which vary according to the type of policy and different situations. You can always check your certificate of insurance to see the type of excess that you are liable for. The main types of excesses that might apply for a comprehensive car insurance policy are standard/basic, age excess, and special or additional excess. A standard or basic excess is the amount that you will agree to pay in case of a claim. This excess can apply separately or together with another type of excess. The age excess applies concurrently with the basic excess to drivers below the age of 25 years. On the other hand, special excess applies during special circumstance or when the vehicle has issues that are supplementary to the basic excess. Types of excess can also be classified as compulsory and voluntary. A compulsory excess is non-negotiable and is determined by the type of car you have, your age and the nature of the claim while voluntary excess is the one that you offer to pay.

Situations when you do not have to pay an excess

Fortunately, there are circumstances when you do not have to pay the painful excess fees. One of them is when you are not to blame for the accident or hazard that is causing you to make a claim, and you can provide details about the person who is liable. In this scenario, you are exempted from paying because the person who was at fault will pay on your behalf. The opposite is true in that when there is no one to be blamed, you will have to pay the excess. For example, if your car was damaged during a natural disaster like an earthquake when it was in the parking lot then you will still have to pay your share of the claim. Another sure way to avoid paying excess is by reviewing your policy and paying extra coverage.

 

What to do if you have a Car Accident

car-accidentFirstly, what you need to do it stay calm. Don’t get agitated with the other drivers or people involved in the cash. Hopefully no one is injured and people involved can count their lucky stars. Be polite and ask the other drivers if they are ok. If you have a neck injury, remain still and wait for the ambulance to arrive. Hopefully someone will have called them.

Secondly, you need to get as much information on the people in the other car. If you’re injured or in a state of shock (which is completely understandable) you may not have time to get all the information on the other driver. Take some notes in your head and ensure you can give the authorities the best possible explanation of what happened.

This will help your claim and assist your car insurance company get the top possible outcome for you. In the past it was recommended you carry a pen, paper and disposable camera in your car to help you accurately record the accident details but now we have modern technology. Take out your smart phone, take some images of the scene or damage to your car/vehicle. Use the notes on your phone to record some details of the event incase you forget at a later stage. Retracing your steps can be hard…

What information do you need on the other people involved?

  • Get the time and date that the accident occurred. (Take a screenshot of your phone)
  • Get all the Contact details including names, addresses and telephone numbers of drivers, passengers and pedestrians involved. If a party is driving within the course of his employment, take both the driver and the employer’s details. It may be worth noting a description of the driver, location and any distinguishing features.
  • Get the details of the vehicle – make, model, reg, colour etc…
  • Ensure you get the insurance details of the other driver. The company and type of insurance.
  • Did you both have lights on during the accident? Indicators working etc.
  • The weather, visibility and lighting conditions, including street lighting
  • Get the name of the first Gardaí at the scene so you can refer to his expertise in the event of a claim.
  • Identify the damage each vehicle has sustained

Reporting a car accident…

  • It’s an offence to refuse to give details to the other driver following an accident, if there has been injury or property damage.
  • Make sure to contact your insurance company as quickly as possible. Sometimes insurers have a time limit after incidents and may refuse to pay out on the policy.