How much is your insurance?

exactiv

How much are you paying for your insurance?

I have a 99' Golf 1.6 and I'm paying €580 fully comp.

Male, 25, through a broker (hibernian policy), 0 penalty points discount, partner discount, passed ignition test, 4yr No Claims, located Cork/Kerry, Full Licence for 6 years.

Hal1

95 polo €1180 fully comp with quinn, 1 year ncb. 28 year old male. In dublin.

drdre

vw golf-1.4 sportsline 2005 model 1750 yoyos

21 yrs old and living in dublin with 2 yrs no claims discount.

hibernian direct, male

Creamy Goodness

you should all add in your insurance company aswell...

this is me

vw golf 1.4 comfortline 2004

mum, dad - fully comp
me (19) - third party fire and theft

all drivers have a full license.

with FBD

Hal1

Cremo wrote:

you should all add in your insurance company aswell...

this is me

vw golf 1.4 comfortline 2004

mum, dad - fully comp
me (19) - third party fire and theft

all drivers have a full license.

with FBD

You should include your quote too :P

Guy:Incognito

93 2.0 Safrane
Hibernian
€1650 with the partner discount. TPF&T
24 , 2 years ncb (at time of taking out policy last may)

This year all indications are of a €1150 quote from hibernian, so I'll see what I can get it down to with shopping around.

Prices are dropping dramatically for me this year. I just checked hibernian and am getting quotes of €1240 for a 3.5 Honda Legend (hope to get one middle of next year)

Eoin

exactiv wrote:

How much are you paying for your insurance?

I have a 99' Golf 1.6 and I'm paying €580 fully comp.

You really need to include age & gender for this thread to have any relevance at all.

Male (27): €860 fully comp on a '00 Alfa 156 1.6 litre

bazz26

Male 30, paying €505 Full Comp with FBD on a 2003 Toyota Avensis 1.8 Luna.

Aquos76

Male 30 paying €440 full comp with full no claims protection included on 06 opel zafira through a local broker. Its a hibernian policy

jdwals

Male 28 - €980 fully comp with Quinn. Three years no claims bonus. '93 Honda Prelude 2.2 non Vtec.

Atomic Pineapple

Male(22) - Full licence, 1 years ncb, fully comp

2003 1.4 zetec focus

1600euro - quinn direct

jdc78

2005 Mini Cooper
Second Provisional
Full Comp, Fire and Theft

27 Male, Dublin

€1350 AIG

Trampas

Seat Ibiza 03 1.4L Sports 100bhp

26 male 3 years ncb full licence

Was 25 at the time of the quote

€770 full comp

Eagle Star

sandyg

34 Female 2yrs ncb Full Licence - 06 Punto Grande 1.2 €680 Full Comp with open cover - Quoteline.

Just got a quote for this year of €540 from AON. Happy Days!!

LundiMardi

Male

22

1.2 '97 Punto SX60

TPFT - Approx 1400(not too sure since the reduction after i passed my driving test) - Quinn Direct.

Full Licence - 1yr NCB.

Hoping to upgrade to a 1.6/8 in the summer for <€1000.

Joeface

Male 28

1.6 Honda Integra 1994

Quinn Direct Fully Comp €665

5years NCB , Full license ........on a side not Fully comp was cheaper this year that third party which I had last year for €690


to make ppl with high insurance feel a bit better
First year of driving in a 1.3 cost me £2500, second year in same car cost me €3500 , 3rd year was €1500, 4th year was €1200 first year in honda , and last year was €690.......im still payin the loan off for the first 2 years driving

Kermitt

Male 22

VW Golf 1.4 2002 €2600 fully comp with Hibernian.. Had a 3yr no claims but lost it last year- mine own fault hands up. (was on 1600 before that on a polo)

Pain in the hole but ya gotta do the time...

Jood

23 Female

98 Punto SX60

First Provisional

1yr NCB

€690 - Quinn Direct - TPFT.

Rang around a few places and Hibernian wanted 1495 which is 200 more than my first year.

LundiMardi

Jood wrote:

23 Female

98 Punto SX60

First Provisional

1yr NCB

€690 - Quinn Direct - TPFT.

Rang around a few places and Hibernian wanted 1495 which is 200 more than my first year.

ffs!!!:mad:

el tel

Male 29,
VW Passat 1.9TDI
Full UK License (12 years),
Full no claims,
Insured in Northern Ireland: Fully comprehensive w/ protected no claims €585


I'd like to know what excesses young drivers in the South have to pay. For all the things I've heard about the high premiums in the South, on the face of it the premiums seem to be cheaper than those faced by under 25s in the North.

andrew1977

1.4 LITRE 2003 FORD FOCUS
3 years full license, 3 years no claim ( had 5 years but had an accident causing 300 euro damage to other car)

Got my renewal in the door the other day .insure.ie (mike murphy brokers ).
1037 Euro fully comprehensive ..they told me they have researched the market and these were the best terms available for this year
Rang them up ,told them i could get it for 850 euro elsewhere (even though i hadnt researched )
Put me on hold,came back and they said my insurance premium would now be 820, they could match and beat the new offer i supposedly had

Amazing what one phone call can do ..saved myself 200 euro.
I have the same telephone call every year with my insurer and every year they drop it

exactiv

AXA are the best though. They seem to just make up random numbers. I rang them before my last renewal, they quoted €920 fully comp. I told them I had been offered fully comp for €420 and they said, well we can't go that low, but we'll give it to you for €640. They're a gas bunch.

dceire

VW Polo 1L
Male 18
First Povisional
0 Pen Points
0 NCB
Quinn Direct
TPFT
€3400

Have my driving test next week after a 9 month wait & if I don't pass I might just kill myself:(

LundiMardi

i wouldn't expect it to drop below 3k tbh. If you do pass then i recommend doing the ignition course asap and if you pass that go with Hibernian.

Carb

97 Honda Accord 2.2 Vtech
Male Aged 25
Full Licence from Nov 05
1 Year NCB

Insurance is up today. My renewal quote from Quinn is €1350. I'll probably go with €990 from 123.ie €4k excess though:eek:

LundiMardi

Carb wrote:

97 Honda Accord 2.2 Vtech
Male Aged 25
Full Licence from Nov 05
1 Year NCB

Insurance is up today. My renewal quote from Quinn is €1350. I'll probably go with €990 from 123.ie €4k excess though:eek:

they're good quotes based on your driving experience! I hope my quote goes down when i hit 23!! fingers crossed.

Carb

LundiMardi wrote:

i wouldn't expect it to drop below 3k tbh. If you do pass then i recommend doing the ignition course asap and if you pass that go with Hibernian.

My borther is with Quinn, and his renewal quote was €900 euro cheaper than last years, ie €2600 in yr 1 and €1700 in year two. He is still on a provisional licence. Only difference to dceire is age and location. My brother is 21.

dceire

LundiMardi wrote:

i wouldn't expect it to drop below 3k tbh. If you do pass then i recommend doing the ignition course asap and if you pass that go with Hibernian.

I would have hoped it would, Brition have and ignition type couse could have got cover for €2700 for this year as Prov Driver but didn't find out about it until after i got insured :rolleyes:

MrPudding

2005 Nissan Almera 1.5
Male 33 main driver, me bird 35 as named.
Full UK licence 15 years or so
1 year no claims
€760 fully comp from FBD. €120 excess,windscreen replacement, and breakdown cover. No claims protected for €54 extra.

Bloody brilliant I think. Down from €1200 last year with QD

MrP

Henry Ford III

Just under €1000 comp. for a yet to be delivered Focus ST.

I am apparently "a model risk"

leeroybrown

24 Male
License - 5 years
NCB - 1 year

99' Vectra 2.0 Turbo Diesel

1100 with Quinn (down from 1600 last year)

LundiMardi

Carb wrote:

My borther is with Quinn, and his renewal quote was €900 euro cheaper than last years, ie €2600 in yr 1 and €1700 in year two. He is still on a provisional licence. Only difference to dceire is age and location. My brother is 21.

My first years Insurance was €4000 with a broker, 2nd year with Quinn was €1800, now down to €1400 now that i have a full licence. I'm 22. That's a big price drop in the space of 18months. As i said in a previous post, i hope to have a larger car(1.6+) for my 3rd years insurance with a quote of less than 1000(fully comp). Nay too shabby. I'll be doing the Ignition Course come the summer too.

Fey!

30 year old male driver, no points/accidents/claims/convictions/medical conditions, car parked in driveway, 13k miles a year, single

1998 BMW 520iSE 2.0, €15,000, no modifications(?) except for BMW approved alloys (AC Schnitzer)

Open drive, windscreen cover, no-claims protection, comprehensive

From the back of the field, we have:

Quinn Direct - €940

Eagle Star - €926 (no open drive, so with 3 named drivers - 2 60year olds & a 35 year old)

Quoteline - €928 (breakdown & legal costs)

Topquote - €918 (breakdown & fire brigade expanese & 31 days foreign driving)

AXA - €912

Hibernian - €867 (step back protection)

FBD - €827

Allianz - €773.76

AA - €767.56 (no open drive - 3 named)

One Direct - still to come back with quote. Obviously too busy to bother!

After haggling (ie, threatening to pull other policies) with FBD: €750

_Kaiser_

Well as it happens, just today I got the renewal letter from Quinn in the post.

Male, 30, 1 year NCB, provisional (damn waiting lists), 1.3 Auto 1998 Mitsubishi Mirage Coupe, no claims, and they want €1425 (down from about €1800 last year).

BUT....

WHen you look into their DD options, they have a "service charge" of €95 included which brings it up to €1520!

Is this a standard thing? I've rang a few places but most seem to either want 3 years NCB (as I'm still on a provisional) or seem cheap but have a catch (€1140 from 123.ie, but with a €4000 excess!).

Any recommendations on what to do? Should I call Quinn and argue with them over the service charge (seems like a blatent scam to me) or can anyone recommend a company that will insure a provisional driver without the need for multiple years NCB?

Cheers!

Eoin

Kaiser2000 wrote:

WHen you look into their DD options, they have a "service charge" of €95 included which brings it up to €1520!

Is this a standard thing? I've rang a few places but most seem to either want 3 years NCB (as I'm still on a provisional) or seem cheap but have a catch (€1140 from 123.ie, but with a €4000 excess!).

Cheers!

By DD, do you mean Direct Debit - if so, over what time span? A loan for the same amount from a bank over a year would cost much the same.

mondeoman

male 32
6 yrs full licence
6 yrs ncb
1998 petrol ford mondeo 2.0 ghia x
fully comp + bonus protection + herself = 520 euros:D
Quinn direct

neacy69

male 23 (louth)

full licence 4 years

Full NCB (was driving as a named driver and then got my own policy- Hibernian consider a continuation of policy)

Ignition discount

00 1.3 fiat bravo

€804

seamus

Male, 23 (Dublin)

Peugeot 206 1.1L

Full licence 5 years. No NCB (no claims either though). 0 penalty points.

Hibernian (via Tesco) - €1650 fully comp.

CrowdedHouse

2006 Golf GTI (2.0 Turbo)

PIC

Male 45

Full Lic(for decades !) Full NCB

Fully Comp with Allianz €705

(I think it's very expensive)

LundiMardi

CrowdedHouse wrote:

2006 Golf GTI

I hate you.

PowerHouseDan

Male 20 (21 Thursday)
4 Years Full license
2 years NCB
TPFT
€1010

Bmw 316i

omb0wyn5ehpij9

22, male, living in Dublin, provisional licence, no experience

About to buy a car, quotes so far.....

Quinn direct:
1999 golf mkiv 1.4, worth €7000, TPF&T €2000
1999 civic 1.4, worth €7000, TPF&T €2500
1997 punto 1.2, worth €3000, TPF&T €1900

Hibernian:
1999 civic 1.4, worth €7000, TPF&T €2900
1999 golf mkiv 1.4, worth €7000, TPF&T didn't give exact quote but said it would be very similiar to the quote on the civic

smashey

Male 38, Donegal
96 Mitsubishi Colt
Full no claims bonus
Fully Comp €370.00:D
FBD

Danes

Im in the south east, am 36 years old and have OH (27) on the policy as a named driver - both have full licences and full NCB. 99 VW Golf Gti fully comp €514 with hibernian. Also '78 mini 1275 TPO on a classic policy with hibernian through IVS

Sparky

Male 20
2nd Prov. (test someday soon)
2002 1.4 206 HDi
Fully Comp €2900
ORC insurances (lloyds)

dub_dan

Male 19
Full Licence
1997 Honda Civic 1.4i
1 Year No Claims
TPFT 1700
Quinn direct

signs

04 Focus 1.8 Tdci 115BHP
Dublin 12
Male 30
Full Licence 2 years
6 years driving no claims/points etc
2 year NCB, (lost 2 years due to commercial policy f**kup:mad: ) other 2 on named policy
Driving 40k + per annum
Quinn Direct €1000 fully comp

Juan Pablo

97 BMW 316 Coupe
Dublin 4
Male 26
Full Licence 2 years
2 year NCB, 6 years named experience
<10k annual
AXA €1036 TPFT (down from €1800 last year)

miju

24, male, provisional, 0 NCB

Alda Romeo 146 Sportivo 1.6litre

€1,890 TPFT

fjon

27, Male, 3yr NCB, Full License
1.4 Seat Leon
Fully Comp - €1019 Quinn

deRanged

M/29
1.4l Mazda3
Full licence, 2 years NCB, 3 years named driving.
700 fully comp with Axa.