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Insurance company for 35 year old first timer?

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  • 14-01-2017 12:00am
    #1
    monkeyslayer
    Registered Users Posts: 917 ✭✭✭


    Hi, not having much luck finding a company willing to insure me, so far just liberty for 4600. I'm a learner in my mid 30s with no named driver experience. Anyone recommend any insurance companies?


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    #2
    Lia_lia
    Registered Users Posts: 6,691 ✭✭✭Lia_lia


    What kind of car is it? That's a crazy price. I got insured the year before last on a learners permit for 1600 at 26 years old. That was on a 1.2 litre. With AA. I do know insurance has gone up but surely you can get lower.


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    #3
    beechwood55
    Registered Users Posts: 532 ✭✭✭beechwood55


    Have you got your own car? And is there someone (full licence holder) who can go on the policy as a named driver?


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    #4
    neonsofa
    Registered Users Posts: 5,476 ✭✭✭neonsofa


    Did you find that through a broker? And are you ringing the companies or is that an online quote? You might have better luck ringing up and maybe trying a broker that specialises in hard to insure, imports, first time drivers etc.


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    #5
    monkeyslayer
    Registered Users Posts: 917 ✭✭✭monkeyslayer


    Yea tried everyone. Most won't even quote. I'm trying get my dad on the policy but he's old and tho he has a full licence he's very old... but with him it's brought it diwn to 3100 for both of us. Is that more reasonable?


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    #6
    neonsofa
    Registered Users Posts: 5,476 ✭✭✭neonsofa


    monkeyslayer wrote: »
    Yea tried everyone. Most won't even quote. I'm trying get my dad on the policy but he's old and tho he has a full licence he's very old... but with him it's brought it diwn to 3100 for both of us. Is that more reasonable?

    It's around what I was quoted for first car on provisional with dad as named driver. My car was an import so don't know if that made a difference. Just try get the test passed as soon as you can. I know one of the places offered a safe driving offer to my friend where they installed the box to monitor his speed, took the price down a bit but I was sceptical! You could look into it though.


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    #7
    capefear
    Registered Users Posts: 772 ✭✭✭capefear


    Have you tried firstIreland.ie


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    #8
    Lia_lia
    Registered Users Posts: 6,691 ✭✭✭Lia_lia


    What kind of car is it? If it's anything above a 1.3 that could be bringing it up. Also, you can put anyone with a full license on the insurance. Even try a friend.


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    #9
    CaoimheSquee
    Registered Users Posts: 359 ✭✭CaoimheSquee


    monkeyslayer wrote: »
    Yea tried everyone. Most won't even quote. I'm trying get my dad on the policy but he's old and tho he has a full licence he's very old... but with him it's brought it diwn to 3100 for both of us. Is that more reasonable?

    I did it with my mother on it - she is 70.
    I went third party and got it down from 4k to 1500 with a few extras like breakdown assistance and windscreen cover. I'll go fully comp when I pass and work up a no claims bonus! This is with Liberty.

    I'm 35, female and was insuring a 2008 Micra


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    #10
    Skatedude
    Registered Users Posts: 2,674 ✭✭✭Skatedude


    What car and age, you need to tell us or we can't advise you


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    #11
    Dravokivich
    Moderators, Category Moderators, Music Moderators, Politics Moderators, Society & Culture Moderators Posts: 22,360 CMod ✭✭✭✭Dravokivich


    CaoimheSquee wrote: »
    I'm 35, female and was insuring a 2008 Micra

    So basically you're going for a car that Liberty recently recommended for low insurance rates in everything but name and still got an extortionate quote from them!


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    #12
    pilly
    Banned (with Prison Access) Posts: 9,005 ✭✭✭pilly


    What gender are you OP?


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    #13
    Dravokivich
    Moderators, Category Moderators, Music Moderators, Politics Moderators, Society & Culture Moderators Posts: 22,360 CMod ✭✭✭✭Dravokivich


    pilly wrote: »
    What gender are you OP?

    She posted later to say female. But it shouldn't matter now. Their premiums were increased to match male premiums weren't they?


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    #14
    pilly
    Banned (with Prison Access) Posts: 9,005 ✭✭✭pilly


    Dravokivich wrote: »
    She posted later to say female. But it shouldn't matter now. Their premiums were increased to match male premiums weren't they?

    In theory I suppose they were but the cheapest quote I've ever gotten has been from its4women.ie so I think there still is some discount to be had out there.

    Also, when looking for a quote for a friend it was 200 cheaper when I put her partner in as a named driver so that might help?


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    #15
    Liam McPoyle
    Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    Dravokivich wrote: »
    So basically you're going for a car that Liberty recently recommended for low insurance rates in everything but name and still got an extortionate quote from them!

    Its a first time driver, there is no cheap option.


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    #16
    Liam McPoyle
    Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    Op, have you tried Boxymo?

    They seem to be consistently cheaper for first time drivers.


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    #17
    CaoimheSquee
    Registered Users Posts: 359 ✭✭CaoimheSquee


    Dravokivich wrote: »
    So basically you're going for a car that Liberty recently recommended for low insurance rates in everything but name and still got an extortionate quote from them!

    This was back in July 2016. I called about 6 places and was the best I could get.
    Just have to suck it up for a year unfortunately.
    Don't quite understand your accusatory tone though?


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    #18
    TeaBagMania
    Registered Users Posts: 1,192 ✭✭✭TeaBagMania


    is it possible to wait until you have your full license?


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    #19
    biko
    Registered Users Posts: 81,223 ✭✭✭✭biko


    Offtopic comments removed. Only post if you have an actual helpful answer for OP.


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    #20
    Nate--IRL--
    Registered Users Posts: 2,221 ✭✭✭Nate--IRL--


    I was 35 insuring a Jazz as a first time driver and it cost me €800 or so with First Ireland. That was 3 years ago though.

    Nate


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    #21
    monkeyslayer
    Registered Users Posts: 917 ✭✭✭monkeyslayer


    I'm 35 male, not using the vehicle for work. Thanks for your suggestions, been shopping around and 2700 is best I can get. Haven't bought it yet but I bought an 07 1.4 focus car just today as insurance on it was considerably cheaper than an older car, even compared to an 06 model. Even smaller engine sizes didn't make much difference. I learned from ringing pretty much everyone that it makes much more sense to invest more in car and save on insurance rather than the other way around. Works in my situation anyway, different obviously if your on a parents or partners car.


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    #22
    Special Circumstances
    Closed Accounts Posts: 7,569 ✭✭✭Special Circumstances


    monkeyslayer wrote: »
    I'm 35 male, not using the vehicle for work. Thanks for your suggestions, been shopping around and 2700 is best I can get. Haven't bought it yet but I bought an 07 1.4 focus car just today as insurance on it was considerably cheaper than an older car, even compared to an 06 model. Even smaller engine sizes didn't make much difference. I learned from ringing pretty much everyone that it makes much more sense to invest more in car and save on insurance rather than the other way around. Works in my situation anyway, different obviously if your on a parents or partners car.

    Did you get a chance to see my helpful post before it was deleted?


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    #23
    biko
    Registered Users Posts: 81,223 ✭✭✭✭biko


    Use PM Special and stay on topic in this thread.


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    #24
    monkeyslayer
    Registered Users Posts: 917 ✭✭✭monkeyslayer


    biko wrote: »
    Use PM Special and stay on topic in this thread.


    ???


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