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Very expensive car insurance!

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  • 14-01-2015 12:47pm
    #1
    theperson2014
    Registered Users Posts: 48 ✭


    Just received a quote for €655 from liberty insurance! Pretty shocked. I've had my own insurance policy for the last 9 years with the said company.Therefore, I've 9 years no claims bonus. I'm 26 years old, driving a 1.6 focus valued at 3k. Does anyone know how I could get this down or any other insurance companies for that matter? It's only third party too...


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    #2
    jsabina
    Registered Users Posts: 742 ✭✭✭jsabina


    I received the renewal letter from my insurance and it went from 470 to 616!
    And named driver, no claim bonus 6+ etc
    So yesterday I started calling different insurances and got a quote for 357 euro!
    Try maybe to shop around a bit?


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    #3
    ftse100
    Registered Users Posts: 187 ✭✭ftse100


    theperson2014 wrote: »
    Just received a quote for €655 from liberty insurance! Pretty shocked. I've been a named driver for the last 9 years with the said company. Therefore, I've 9 years no claims bonus. I'm 26 years old, driving a 1.6 focus valued at 3k. Does anyone know how I could get this down or any other insurance companies for that matter? It's only third party too...

    Same happened to me just yesterday, I was paying €598 a year and I got a quote of €788. Not a hope am I paying an extra €190. That was from AXA btw..


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    #4
    jinkybhoy
    Registered Users Posts: 692 ✭✭✭jinkybhoy


    Hi - you don't have a no claims bonus - you are only named so named driving experience. Sounds about average - Who's name is the insurance in? I'm assuming a parent. So it's their bonus. Also the way you talk about the car - I assume it's registered in their name also?


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    #5
    superbluedub
    Registered Users Posts: 161 ✭✭superbluedub


    who quoted you that price?


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    #6
    delthedriver
    Closed Accounts Posts: 4,958 ✭✭✭delthedriver


    Go talk to a good Insurance Broker, preferably one who specialises in handling large volumes of Motor Insurance.


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    #7
    theperson2014
    Registered Users Posts: 48 ✭theperson2014


    Sorry but I've my own insurance policy for the last 9 years! The car is my own and I do have a no claims bonus. My mistake, sorry. The quote is from liberty.


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    #8
    Dunnie1982
    Registered Users Posts: 309 ✭✭Dunnie1982


    I'm driving under my own policy since 2004, have fully comp since 2006 & have a 6 years no claims bonus, I drive a 2005 Corolla 1.4 D4D. I go online and fill in the forms on each companies website every year and see who gives me the best quote. I was with FBD for the last 2 years & last year it was €490 fully comp, this year they quoted me something around €650. After 2 or 3 hours of filling in forms I got a quote from Aviva for €350, which included an online discount and a discount because there is another car at the address insured to Aviva. I called back FBD to cancel & they said that they would see could they match it, I told them not to bother as if they could give me a much cheaper quote they should have done it in the original quote instead of being greedy.

    My advise is to check out Aviva, Allianz, Axa, AA, FBD, One Direct, AIG, 123, Nononsense. At least one of these should give you a much better deal.


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    #9
    chrysagon
    Registered Users Posts: 2,813 ✭✭✭chrysagon


    shop around... saved me alot of money for exact same policy..


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    #10
    dodzy
    Registered Users Posts: 9,919 ✭✭✭dodzy


    jinkybhoy wrote: »
    Hi - you don't have a no claims bonus - you are only named so named driving experience. Sounds about average - Who's name is the insurance in? I'm assuming a parent. So it's their bonus. Also the way you talk about the car - I assume it's registered in their name also?

    Don't know what post you were reading. I read 9yrs NCB.

    OP, you should be 350 or thereabouts. Try FBD.


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    #11
    kippy
    Registered Users Posts: 18,394 ✭✭✭✭kippy


    Dunnie1982 wrote: »
    I'm driving under my own policy since 2004, have fully comp since 2006 & have a 6 years no claims bonus, I drive a 2005 Corolla 1.4 D4D. I go online and fill in the forms on each companies website every year and see who gives me the best quote. I was with FBD for the last 2 years & last year it was €490 fully comp, this year they quoted me something around €650. After 2 or 3 hours of filling in forms I got a quote from Aviva for €350, which included an online discount and a discount because there is another car at the address insured to Aviva. I called back FBD to cancel & they said that they would see could they match it, I told them not to bother as if they could give me a much cheaper quote they should have done it in the original quote instead of being greedy.

    My advise is to check out Aviva, Allianz, Axa, AA, FBD, One Direct, AIG, 123, Nononsense. At least one of these should give you a much better deal.
    I'd generally find it much quicker to ring them, also easier to bargain with them at the time they give you the initial quote.

    I think it's common sense at this stage but for almost any form of insurance it's best to shop around as prices for the same/similiar product can vary wildly.


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    #12
    jinkybhoy
    Registered Users Posts: 692 ✭✭✭jinkybhoy


    dodzy wrote: »
    Don't know what post you were reading. I read 9yrs NCB.

    OP, you should be 350 or thereabouts. Try FBD.

    It was edited from original post - OP said he was named for 9 years.


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    #13
    Sarn
    Registered Users Posts: 3,059 ✭✭✭Sarn


    I finished the ring around exercise this week. Liberty was one of the worst on price for me at €532, worst last year as well. Picked up a better policy with AIG for €378. Most of the others were quoting in the €400 - 460 range. Annoyingly that's still up from €312 last year with nothing having changed (my renewal was up over €100).


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    #14
    dodzy
    Registered Users Posts: 9,919 ✭✭✭dodzy


    jinkybhoy wrote: »
    It was edited from original post - OP said he was named for 9 years.
    Cheers, was late to the party so missed that. A strange edit though:confused:


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    #15
    theperson2014
    Registered Users Posts: 48 ✭theperson2014


    Myself and liberty insurance parted ways this morning after a 9 year relationship. I called trying to get a cheaper price and as she was going through my policy, she asked me if I was still a student to which I replied no. Therefore as a result, the policy increased from €655 to €974!! Absolutely disgraceful. Have tried a few others and the best quote I can get is €648


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    #16
    theperson2014
    Registered Users Posts: 48 ✭theperson2014


    I've got quotes from all the above mentioned companies.

    Avia - 668
    123 - 741
    Axa - 675
    FBD - 648
    No nonsense - 658
    One direct - 900
    Aig - 672 but will reduce to 519 if I install a smart app to log my journeys, tbh I don't want to commit to this as I've no patience for that malarkey.

    I've 2 penalty points but didn't think that would put the policy up, looks like I may fork out the 648

    This is only for third party, fire and theft!


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    #17
    Boards.ie: Niamh
    Boards.ie Employee Posts: 12,597 ✭✭✭✭✭Boards.ie: Niamh
    Boards.ie Community Manager


    I'm moving this to the Liberty Insurance Talk To forum to see if they can help with your quote.

    How can I? User's guide to some features on the new site



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    #18
    theperson2014
    Registered Users Posts: 48 ✭theperson2014


    Boards.ie: Niamh wrote: »
    I'm moving this to the Liberty Insurance Talk To forum to see if they can help with your quote.

    Move it back please. If you read my post then you would realise the liberty scum were charging me the most. Please don't do that again without seeking permission.


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    #19
    Boards.ie: Niamh
    Boards.ie Employee Posts: 12,597 ✭✭✭✭✭Boards.ie: Niamh
    Boards.ie Community Manager


    theperson2014 wrote: »
    Just received a quote for €655 from liberty insurance! Pretty shocked. I've had my own insurance policy for the last 9 years with the said company.Therefore, I've 9 years no claims bonus. I'm 26 years old, driving a 1.6 focus valued at 3k. Does anyone know how I could get this down or any other insurance companies for that matter? It's only third party too...
    The Liberty Insurance reps would know about the bits bolded from your OP which is why it was moved. If you wish to discuss further, please use PM rather than drag the post off-topic. 
    theperson2014 wrote: »
    Boards.ie: Niamh wrote: »
    I'm moving this to the Liberty Insurance Talk To forum to see if they can help with your quote.

    Move it back please. If you read my post then you would realise the liberty scum were charging me the most. Please don't do that again without seeking permission.

    How can I? User's guide to some features on the new site



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