Adventures in car insurance (a Classic Expat Tale)

So we decide to buy a car; a small used one, something we can explore the countryside with, and it follows the normal process…research, decide what car you want, visit the car dealer, test drive, negotiate, make a deal. All we need to do before driving the car off the lot is obtain car insurance and get the money to the dealer. Shake hands, thanks, see you soon. Simple, right? Hah. Here is my diary of the days that followed:


Day 1: Contact insurance carrier recommended by co-worker. Email exchange; set up call for next day and give agent my office phone number. This is going to be a piece of cake.

Day 2: Morning…no call. Afternoon: See on phone display that I missed a call. Only then realize I haven’t set up my phone answering system yet. My mistake. Email agent, suggest call next day.

Day 3: Email from agent, asking if I have "requested proof of driving experience" from my previous insurer. Email exchange ensues; what exactly are you asking for? Answer: You need to request a "No Claims Bonus Certificate." OK, I say; must be something insurance companies know about. I email my previous insurer; they reply they can get prior claims information, but have no idea what a "No Claims Bonus Certificate" is.

That evening, we process a wire transfer to move funds for the car from U.S. bank to Irish bank, something we have done successfully twice before.

Day 5-6: Weekend

Day 7: Receive five years of claim data from my U.S. insurer; forward to my Dublin agent. Agent calls: Not what she was looking for; needs additional data. Email U.S. agent with request.

That evening, discover the bank wire transfer failed. Hmmmm. Decide we made a mistake, and resubmit.

Day 8: Receive email with data answering every question the Dublin agent asked, forward to agent. Receive email reply with still new questions. Email U.S. agent, who emails revised letter; forward to Dublin agent who doesn’t understand the letter; get yet another version of the letter from the U.S.; forward to Dublin agent.

Day 9: Dublin agent thanks me for all the information; I think, yahoo!, it's over!; then she says now she must call the U.S. agent to verify everything. I think, you have to do what? I provide the phone number, but with a five hour time difference I see problems ahead.

Day 10: Notified by U.S. agent that no contact has yet been made. I send email to the Dublin agent offering to help arrange call; receive "Out of office until Monday" reply. I slowly begin to tear my hair out.

That evening, discover that the second attempt at a bank transfer has failed. I tear more hair out.

Day 11: Make calls to each bank; no immediate success in solving the problem.

Day 12-13: Weekend

Day 14: Send emails to both insurance agents; no apparent progress made.

One glimmer of hope appears regarding the bank transfer, however. Potential problem discovered; turns out the banks use different terminology for the same thing; U.S. bank form asks for "Account Number"; Irish bank wants the "IBAN", which is an entirely different thing. Seems about par for the course. I make a third attempt at a transfer, and pray.

Day 15: Hallelujah! The two agents actually connect by phone, and, surprise!, Dublin needs yet more new information.

That evening, the bank transfer worked! There is great rejoicing.

Day 16: Oops, something is still missing. One more piece of data required that has not to this point ever been requested. How is this possible? I start to doubt if I will ever drive a car in Ireland.

Day 17: All the data is in! Forms emailed to me for signature. The agent calls to go over everything. We walk through the documents one by one, additional questions, check, check, and then she says: "And the car is registered under Sandra, right?" And I say no, actually it is under both our names. Silence. 

"Well", she says, "In that case we need a little more information…"

Day 18: I have gathered the new data, signed the forms, scanned them and emailed them to the agent. She calls me, everything is in place, I pay my deposit with a debit card (everything is debit and direct wire here), and it is over! I’m insured!!! I email the car dealer who has been waiting patiently for almost three weeks…I’m finally done! I’ll transfer the funds for the car and be down this afternoon to pick it up. Great, he says. I log in to my Irish bank account, open up the wire transfer page, complete the first page...check...the second...check...open the third, and see these words:

"You require a Card Reader to use this Service."

And it all comes back to me. Three months ago, opening the bank account, learning about the processes and requirements for banking in Ireland, and the bank representative talking about the card reader – a mechanical device you have to use for doing certain transactions, something to enhance security. You can’t just type your account number into an online form, you need to physically put your card in the reader and obtain a unique password. Something we were supposed to order when we arrived in country. Something we didn't do. And now the website is telling me I can order one and receive it in the mail in a week. And an image comes to mind; it looks like this:

But then the Lord brings something else to mind, a favorite verse from Romans, chapter 8:

"I consider that our present sufferings are not worth comparing with the glory that will be revealed in us." 

And I'm reminded that my so-called problems are not REALLY problems. And I take a deep breath, and I call my Irish bank, and it turns out that way back when we were opening the account, at the same time they were telling us about the card reader, they also had us sign up for the ability to do phone call wire transfers. You'll probably never need this, they said, but it might be nice to have just in case. And the woman on the phone asks if I would like to do one? And I say, bless you my child.

And on the 18th day, a car is purchased.