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Should I insure with FBD or the AA?

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  • 23-06-2014 8:44pm
    #1
    GraceCareer
    Registered Users Posts: 36 ✭


    The quotes from both for me as a young driver with no previous experience are the same.
    I was wondering if anybody could advise me on what perks are associated with the two companies ie. breakdown assistance, windscreen cover ect.
    Thanks
    Tagged:


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    #2
    MuppetCheck
    Registered Users Posts: 11,866 ✭✭✭✭MuppetCheck


    FBD have a comparison thing on their website. I'm with FBD the last few years, the policy is pretty comprehensive, got free class 2 for business use, they match whatever quote I get, have covered about 20 transfers without charge and are extremely nice to deal with.

    The only downside is that it's extra for NCB step down protection but gayer three years it's full protection automatically.


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    #3
    Damien360
    Registered Users Posts: 6,253 ✭✭✭Damien360


    MuppetCheck wrote: »
    FBD have a comparison thing on their website. I'm with FBD the last few years, the policy is pretty comprehensive, got free class 2 for business use, they match whatever quote I get, have covered about 20 transfers without charge and are extremely nice to deal with.

    The only downside is that it's extra for NCB step down protection but gayer three years it's full protection automatically.

    That used to be the same for us until this year with FBD. Their price jumped and they would not come down in price. Switched to Aviva.


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    #4
    Shane Fitz
    Registered Users Posts: 426 ✭✭Shane Fitz


    GraceCareer wrote: »
    The quotes from both for me as a young driver with no previous experience are the same.
    I was wondering if anybody could advise me on what perks are associated with the two companies ie. breakdown assistance, windscreen cover ect.
    Thanks

    I'm with AA, they only act as broker, you'll be covered by actual insurance company. AXA for me.
    Also, you won't have breakdown cover as they can't sell you a competing product, from their parent company. But you can take out AA membership.


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    #5
    MuppetCheck
    Registered Users Posts: 11,866 ✭✭✭✭MuppetCheck


    Damien360 wrote: »
    That used to be the same for us until this year with FBD. Their price jumped and they would not come down in price. Switched to Aviva.

    They were much higher on my renewal but came down to 60% of the price with a call.

    Aviva wanted 1200 for me, 31, full NCB on a diesel Astra at renewal. Tesco wanted 1800:pac:

    It's different for everyone though.


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    #6
    pred racer
    Registered Users Posts: 4,385 ✭✭✭pred racer


    AA do not offer breakdown assist with their insurance.


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    #7
    Sobanek
    Closed Accounts Posts: 3,354 ✭✭✭Sobanek


    If you're over 21, try Liberty, incredible offer they have once you're 21. Cheaper than FBD even on some larger displacement cars.


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    #8
    MuppetCheck
    Registered Users Posts: 11,866 ✭✭✭✭MuppetCheck


    pred racer wrote: »
    AA do not offer breakdown assist with their insurance.

    Really? Bit of an oxymoron.


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    #9
    MugMugs
    Registered Users Posts: 17,875 ✭✭✭✭MugMugs


    MuppetCheck wrote: »
    Really? Bit of an oxymoron.

    Mothers with Allianz through AA and she's used her home start twice this year.

    Just to clarify AA are a roadside assistance organisation, broker and a place to go if you drink too much. Fbd are an insurance company.


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    #10
    pred racer
    Registered Users Posts: 4,385 ✭✭✭pred racer


    MuppetCheck wrote: »
    Really? Bit of an oxymoron.

    Yeah I know, you have to join AA breakdown separately!
    I'm with them btw, not a pub tale.


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    #11
    oldyouth
    Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    pred racer wrote: »
    AA do not offer breakdown assist with their insurance.

    Just found that out over the weekend. The son's girlfriend told me she got a large discount off her insurance if she took out AA Membership. Worked out at around €3 a month extra net


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