Showing posts with label FBD Insurance. Show all posts
Showing posts with label FBD Insurance. Show all posts

Tuesday, 25 April 2017

Between Visits

Apple blossom
Snow and hail showers come driving in today on a bitter northerly breeze to remind us that it's not quite summer just yet despite all the blossom and the blue-sky days. We are in "between visits" mode (If the gap between reigns is an interregnum, might this be an "inter-hospes"?) these couple of days having delivered Mum in Law home on Friday and expecting our UK guests (Mazy-Lou and Airy Fox) this afternoon. It is a chance to change all the beds and get a bit of laundry through and to spruce up the house a bit.

Not an easy picture but can you see the 'smoke' of pollen
top left which billows away from these black spruce (Picea
mariana
) male flowers at this time of year. 
Meanwhile what counts for 'normal' life round here, goes on. The need to renew car insurance comes round again and this year the process in Ireland is mired in scandal and near-riot outrage as (all) the insurance companies hike rates by amounts that make the national news, fill the radio airwaves on chat shows and cause questions to be asked in "The House".

Car insurance renewal. 
Rates for most people have gone up way above inflation, in some cases by as much as 50% or even more than doubling. Friends with small cars and (touch wood) long clean licences and no-claims history are finding that their renewals cost €1200, up from an already hefty €450 last year. Well-meaning Brits are yelling "shop around!" The hikes are blamed by the industry on a surge in claims including mischievous calls for compensation for 'whip-lash' but we have heard that it is more likely that the industry is in the poo having invested heavily in a planned change to compulsory medical insurance. When that government initiative foundered, the insurance firms lost their shirts and are now having to "gouge" their existing captive market to recover.

Our Brian John Spencer "originals" now
nicely framed and on the landing wall.
What ever the story they have, between them (The industry, Government and news media) neatly accomplished an unprecedented and amazing feat. They have messed with my head so much with all the horror stories and anxiety, that I was actually relieved and delighted when I opened my own envelope and found that my increase was "only" 14% or €66. Yes. I actually did a goal-scorer, closed fist 'Yessssss!' I made a little comment to this effect to the FBD lady when I phoned to renew; I got the distinct impression she had had such 'feedback' before!

Wild Burrow gin available at Lidl eventually.
Also in the 'battling with suppliers' department this week a mildly more amusing and way less fraught scrap around gin. Now I'm not a great gin person but it is currently Liz's nip of choice so we always try to have in the house a bottle of the "house stuff" with fancier brands for special occasions. Lately that means Lidl supermarket's generic "Castlegy gin" for hum-drum and trips further afield for quality.

Sweet woodruff doing well here in a tractor-tyre.
A couple of weeks back Lidl were all over Facebook and Twitter promoting the fact that they we re-launching an older 'quality' brand (used to be "Rabbit Island") as "Wild Burrow". Great, we thought. I will pick some of that up at the next shop. However, while plenty of city folk came on social media having tried it and enjoyed it, our local branches never seemed to get any. We suspected that the much-publicised launch had only gone to the busier branches and that out here in the sticks, we had been left out.

Cherry blossom
Well, guys, if you are going to publicise it out here, then you have to be prepared for some Facebook and Twitter grumbling and bad publicity if you fail to deliver. I pinged off a series of 'tweets' and FB posts tagging @LidlIreland but to no avail until, we were amused to see, our new chum Senator Frank Feighan re-tweeted my comment. Did I now have official Senate backing for my campaign??? OK, I doubt it but hey, as if by magic, Wild Burrow gin suddenly arrived in our local Lidl. I thanked FF of course, but he just joked that he doubted if his R/T did any good but he was happy to support gin drinkers anywhere. Good Man Frankie!

Will our birds be allowed out any time soon after the
Avian Flu shenanigans? In the UK they already have the
all clear. 
And while we are tilting at windmills, we wonder whether the Ministry here in charge of agriculture will declare an 'all clear' on the Avian Flu thing any time soon. We note that in the UK, the Min of Ag have declared theirs. The feeling here is that the Irish are just waiting till their next review date, which would be 30th April.

Meanwhile a couple of bits of catch up. First up, the olde hen 'Enda' named in the last post did not pop her clogs that day and is still with us. She is quiet and sorry looking but she is alive and currently 'rooming' with poor aul' Doris, the hen mentioned in an even earlier post ( http://deefer-dawg.blogspot.ie/2017/03/the-quality-of-mercy.html ), the pair living in a redundant rabbit run with a cosy dark bedroom section.

Shopping for building materials again. Plaster (skim), skim-bead
and scrim tape. 
Last but not least, the play. Our Final Night (Saturday just gone) went brilliantly - maybe the best of the lot. The cast and crew played a blinder and were rowdily supported by a loud and enthusiastic audience. It was hugely well received over all and anyone involved is now riding a wave of kudos around the village. My part was small (moving furniture and opening/closing curtains) but even I got button holed in the pharmacy yesterday.... "It's your wife that did the play, isn't it? It was just BRILLIANT!" Indeed it was and all involved are very proud of what 'we' did.

Monday, 8 February 2016

Farewell Clara Bow


Clara Bow cleaned up for inspection by potential buyers
Readers of my previous post will recall that I alluded to a "hard decision and a life-changing move" described in this one. If you've been anywhere near my Facebook or Twitter feeds you will know by now that this referred to a decision to sell, at last, the 2CV, my precious, loved and cherished friend of 13 years. It was quite a wrench; not quite losing an arm, but up there somewhere in 'momentous'. She has been a big part of my life, a major hobby, maybe a part of my identity; certainly more than "just a car".

Back in the UK, 13 years ago when we first bought the car, she had the UK registration of C 692 BOW and was quickly named "Clara Bow" after the 20's Hollywood silent-film starlet and party animal. If you can recall any of those flickery black and white films of damsels being tied down to railway lines by the villain and rescued in the nick of time, then that damsel was quite often Clara Bow. Her story since then has featured many times on this blog, adventures to far away (or not so far) 2CV Club camping events and 'rallies' but for the last 2 years she has languished in our car port on a SORN (Statutory off road notice) ticket.

I had struggled to get her through the emissions part of the Irish 'NCT' (MOT) test and got fed up with spending the €55 NCT fees (and €28 re-tests) so that by the time I sent the carb off for a complete re-con (€240) I had already decided that I would SORN her to save the tax (€199) and insurance (€400+). We were sure to find something else to spend the cash on, like fencing, livestock feed and similar. She had become an expensive hobby too far. I nursed a vague plan that if the law in Ireland ever changed (ha!) to make this 29 year old bus a "vintage" or "classic" it might be exempt from emissions tests and tax.

Off she goes with someone other than me at the wheel
Black mark for the insurance boys here, by the way. Readers may know different but we could find no insurer willing to cover a car older than 15 years at more than Third Party. We use FBD for the house and for the Fiat and they are problem free and excellent BUT would not play ball on the 2CV. Not even 'Fire and Theft' and certainly no fully comp. Even the 3rd Party premium was €400+. There was no sign of the cosy discounts I had used in the UK (Thank you "Footman James"!) for agreed car value and for limited mileage all agreed through the car club.

Disappearing down the lane and out of my life. 
Ah well, to cut a long story short, selling used cars here is commonly via the huge, on-line classified ads website DoneDeal.IE. You assemble a wee collection of photos of the car including detail shots of not-rusty foot wells, 'new' carburettor, clean tidy engine bay, sound chassis etc and upload them with an honest description of the car and the asking price. My ad quickly accumulated 400+ views and more than a dozen 'saves' and the same evening 3 buyers who wanted to come look. These included a couple of lads from west Cork, a 4 hour drive away!

The car actually sold to a man from Moate, down near Athlone (1.5 hours) who came up to look, decided it was good enough to be drive-able (I was cautioning use of a trailer/transporter or at least an 'A' frame or tow rope in case) and then came back yesterday with a garage-man chum who had green trade plates and could drive it legally (apparently!) even though it was untaxed, un-tested, uninsured (by me) and SORN'd. He checked it over, dribbled a bit more oil in, emptied a gallon of fuel into her from a handy Jerry-can, tested the lights and happily hopped in, keen to get going with my buyer in convoy in a very nice, new, big Citroen saloon (new DS?). My bloke handed over the cash (and, of course I gave him his "luck money" in return by local tradition) and we signed the paperwork and off they went. It was lovely to hear that unmistakable engine note 'fart' off down the lane and I was very envious that it was the garage guy about to enjoy the hour and a half drive back down to Moate, not me. Ah well.

A final view as Clara disappears over the brow.
So now I am one of those people who "used to own a 2CV" and when I look out of the kitchen window, there is no longer that blue, familiar 'nose' pointing back at me from the car port. I must comfort myself knowing that at least now I can replace the 'big' camera and buy some archery gear without it costing anything (ish). Also I have solved that niggling guilt thing that a 2CV should be out on the road giving that superb driving pleasure to someone. It should not be a museum piece gathering dust in someone's barn. Well, now mine, I hope, will. Enjoy her, man from Moate. He was good enough to text me later that day to say that they had got the car safely and seamlessly home and it was now resting in his garage. A garage? Luxury. Clara will not know herself!


Thursday, 7 June 2012

Vehicular Admin

I think we've mentioned before the fun and games we are having trying to import our two remaining cars into Ireland. This process seems to go through 4 or five stages and takes weeks if not months.

First stage was to start the legal process but to avoid having to pay Vehicle Registration Duty (V.R.T.). VRT is due on all cars which Ireland decides are 'new' and is anxious to get their slice of any moneys you might make by importing cars and selling them on, so to avoid paying it, you must prove that it's your car, for your use, which you genuinely owned prior to moving to Ireland, brought with you, still own and intend to continue to own and not sell on.
This involves a 7 page form for each car and to the form must be attached "EVIDENCE" proving each stage. You must first prove the car exists as an item (so, UK registration paperwork, chassis number, engine number, details of make, model, engine size, emissions etc). You must prove you owned it (invoices at purchase, car loan paperwork) and lived in UK (proofs of address, bank statements showing regular 'life' - shopping at Tesco, paying vet bills or school fees, subscribing to clubs, paying utility bills etc). You must then prove you properly moved (removal invoices, ferry tickets) and that you shut down that home and moved out (Utility bill closing accounts, final bills, change of address paperwork, rebates on unused insurance etc). You must prove you arrived and now live here (more Utility bills, setting up services to your new home, like broad-band, water, electricity, phone plus proof of 'life' here (more shopping, subscriptions, vet bills and local fees, not so easy when you've only just moved in). On the strength of that wad of paper (one wad for Mum and the Fiat Panda, one for Dad and the 2CV) you obtain a small slip of paper (per car) from the Revenue which is your exemption from paying VRT.

You can now make an appointment at a nearby VRT (Car Registration) Office which is 'round the back' of your nearby car testing station (National Car Test or NCT, which is the local equivalent to the MOT in England). This was the stage where we had to drive to Sligo through all that lovely scenery, which I think I have covered in an earlier post. Here Mum managed to get through 2 paperwork stages (including more proof of ID and proffering your exemption paperwork) and scored a new registration for the Fiat. The 2CV falls over at this point as it is 'a classic' (which translates as "the lady was unable to find a code for 1986 2CV on the system and had to refer the problem up to higher authority".) She (Clara Bow) has got no further. At 7th June she is now 7 days out of UK tax and UK insurance so Dad has had to take her off the road for now. We await word from Sligo VRT. Meanwhile, the story continues with just the Fiat Panda.

Note that to drive legally in Ireland, you should display in your windscreen a 3-pocket version of the UK 'tax disc holder', and the three pockets should display your tax disc, your proof of insurance and your proof of passing an NCT test. At this stage we have none of these and do not even have the three pocket holder, just our good old UK tax discs.

We try to pay road tax on the Fiat but the website process demands an insurance policy number so we back out. We contact FBD insurance (who insure our house) and find (tadaaaa!) that they are able to set up insurance even in the fluid state of semi-legal cars on UK plates, so we insure both cars. We need letters from the two UK insurers to verify our no-claims but both Direct Line (the Fiat) and Footman James (2CV) oblige. Direct Line can't cope with posting the proof to us here because their computer system DEMANDS a post code and Ireland doesn't have post codes. We have to get the letters sent to Pud Lady in Hastings (UK) and posted on by Tom (Thanks Tom!). The insurance for the 3-pocket holder will proudly say the UK registration numbers, but we can get that changed easily enough).

With Irish Insurance policies, we can now proceed to road tax (Fiat Only, we still have not Irish Reg for the 2CV). With an Irish reg number for the Fiat we can bimble round to our local garage and get Irish number plates made up and then book the car into its NCT test. Our local station (Castlerea) cannot do us till June 12th, so we hunt around and find that the one in Carrick on Shannon can do Sat 2nd June. We get the garage to do a 'pre-test' (which is free but on the nod-and-a-wink understanding that you bring the car to them for any work needed). They find 'borderline' front tyres and ball joints but advise us it's worth a punt. Needing to use Carrick turns out to be a bonus because Carrick turns out to be not only a lovely river side boating town, but also has a wealth of shops which we should probably go have a good look round. Very picturesque. Lots of people in deck-shoes!

The Fiat unfortunately fails, as feared, on the tyres and ball joints, so is now booked back into the garage for that work, but should then be OK to get retested within 28 days and we may soon have one legal car! More on the 2CV when there is something to report. I fear we may be a while!

Deefs

Friday, 25 May 2012

Don't call ush....

Like the worst tales you'd find in the "Year in Provence" tales by Peter Mayle, we are getting increasingly frustrated by the number of local tradesmen who talk a good game and promise that the job you're asking them to do is no problem, and they'll get back to you, but then vanish into silence. We are starting to form a club of the various workers and tradesmen who we are waiting to get back to us. These are currently as follows.

1) 804 Pete - Yes! Former total hero of the building project who we put firmly up there on his pedestal. He delivered the 804 sub-base gravel, he lent us a whacker plate, he offered no-bolt scaffolding, he did a good honest day's work with the mini-digger, clearing the yard, scraping the rubbish from around buildings, taking away the railway line sections and he put us in touch with the Midnight Joker (Maurice) who laid our concrete floors downstairs. However, now he has descended from the exalted ranks of "Project Hero" to the lower echelons of "the elusive Scarlet Pimpernel". His phone gives only voice mail and he never returns your call. We know not why. Last heard of driving off down the drive having looked at the mini-digger job in our yard, saying "Yeah... I'll give you a call back".
2) FBD insurance, who insure our house and now Mum's Fiat. They are meant to be calling Dad back after he clicked on "call about this quote" on their website, but we think that because Mum and Dad ended up with both cars on one quotation reference, the lady who phoned Mum has now set the reference to "sorted". Dad will have to phone back and wake them up.
3) Local jeweler who is meant to be re-sizing a wedding ring and re-stringing some pearls. I'll call you in a couple of days. Tumble weed blows by. Trees come into leaf. Birds sing.....
4) Gutter man. Flies out here like a scalded cat to measure up. I'll give you a call "one of the days". This local expression we have not yet been able to fathom. Does it mean 'One of the days this week'?
5) Local carpenter and door wrangler. We need a split "stable-door" for the Utility room. Called by his workshop 3 weeks ago and he wrote my number down. Called by again last week and he apologized that he'd written it on a random page of his diary and lost it. Wrote it down again and was going to call us Thursday (last night) evening. More tumble weed.
6) Local VW Golf afficionado who may have finally taken the old Sligo reg car from our brambles but turned out to be a carpenter willing to come and have a look at doing the doors on all our out buildings. Yes, I'm a bit busy at the moment but I'll call you one of the days (!) this week. Did he call? That'll be a 'no' then.
7) Car registration office who whizzed Mum's Fiat through in no time at all but stalled the 2CV because "it's a classic". We will phone you in a couple of days. We have to do a couple more checks.............

That's all I can think of for the moment but there are probably more. We pay these guys on time, in cash and we are always nice and appreciative of their work. We don't upset them in any way. Dad is paranoid that it's because he's British, but Sparks defends them all saying it's because they are busy.

Thank God then for Dushty-Sean who we called in to do the yard job in the absence of 804 Pete. He came at lunchtime when he said he would and sized up the job. He told us we didn't want the big coarse '804' we have been using on the drive because we'd not be able to walk comfortably on it in bare feet, and the pea-gravel we'd suggested would move around too much under foot. It'd be like trying to walk on a beach. No no, says he. You want the fine 804 - it's like fine "dusht". We need 10 tonnes of "dusht". He put us in touch with a guy we'll call Dave-the-Dusht. He can't deliver till Monday and will be up with his tractor and trailer during the morning while Sean prepares the ground. We'll wait and see.

Dushty Deefs