First Time Insurance (18 year old)

SRFC90

Hey guys, hope this is in the right place!

Basically, just passed my theory there last week, got 5 driving lessons as a present a while back and have already got stuck into them, 1st one today, which went fantastically (out on busy roads and all as well as a v positive review from him at the end:D) and have 2nd one booked for thursday.

I'm 18, and am looking to get insured on mammy's car (Punto Grande 1.2L). I'm here looking for some advice from yee guys as to how much roughly it will be (general estimation from yee) and where I'm best off to start looking (ie. which places you recommend)

Thanks a mil chaps and chapettes.:)

Alanstrainor

Are you a guy or a gal?

Max_Damage

Back when I was just starting out driving (back in 2003), a quote for insurance on my parent's Ford Sierra 1.8L Turbo Diesel was nearly €4,000! Needless to say we went for the 'one month at a time' policy with Hibernian, which cost €96 per month. Only problem is that you're limited to 3 months per year.

NewApproach

It would be around €2000 TPFT with Quinn Direct, give or take 10% I would say.

You could of course go down the route of being a named driver on your mam's policy, this could be cheaper though the prices for this vary wildly between insurance companys.

Easiest way to check though is to go to quinn-direct.ie.

To be honest you are probably wasting your time getting quotations from other companys.

SRFC90

Alanstrainor wrote: »

Are you a guy or a gal?

Sorry, I'm a wee lad. Reckon that'll do me the world of good! :rolleyes:

towel401

probably around 1000 eur. knock off another 30% if you're a virgin

SRFC90

NewApproach wrote: »

To be honest you are probably wasting your time getting quotations from other companys.

Cheers for the help, why ya say theres no point heading to anyone else?

Gavin "shels"

Best quote me and my mam got was with Allianz, that's on my mams insurance though, costs less than €2,000 for the two of us, me being 18 like yourself.

My mate is just 18 and is insured on his own car with Hiberian and it's an extremely good price he got.


*goes and washes, giving advice to a Sham, urghhh.*:D

Berty

Shop around thats what the Insurance regulator said yesterday. Its nearly impossible these days to tell what it would cost between insurers.

Third party fire & theft will probably do you because fully comprehensive will cost a fortune.

Make sure the excess on whatever policy you choose is adequate. Excess is when you have a crash you have to pay this amount and the insurer covers the rest.

Some Insurers offer cheaper insurance in trade for you paying a higher excess if you crash.

Try One Direct(An Post) and do the Hibernian ignition test with them. You will be with a great insurer and get extra training and get a cheaper premium.

OR try to get one of your parents or guardian to go policy holder on the car and you as named driver. Cheaper again.

Graham_B18C

My mammy was driving a xsara when i was 17 and the insurance was going up by about 1800 quid. Ended up not going for it. Go to quinn-direct.ie and get a quote, fill in makey uppy details for your Mam but put the vital stuff in correctly, ie. Car, Engine Size, area you live, how many years ncb etc. Then just go to ad driver and that'll give you a good idea.

And Quinn is by far your best bet.

NewApproach

Because when I was getting quotes last year all the other companys I tried were looking for €3500+. They simply dont want your business

Bandara

NewApproach wrote: »

It would be around €2000 TPFT with Quinn Direct, give or take 10% I would say.

You could of course go down the route of being a named driver on your mam's policy, this could be cheaper though the prices for this vary wildly between insurance companys.

Easiest way to check though is to go to quinn-direct.ie.

To be honest you are probably wasting your time getting quotations from other companys.

Don't touch Quinn Direct.

They are about to go under.

Berty

Grahamo999 wrote: »

fill in makey uppy details for your Mam

Your policy is nul and void if you crash. Basically an uninsured driver. Well Done

Max_Damage

Hammertime wrote: »

Don't touch Quinn Direct.

They are about to go under.

News to me...

NewApproach

Hammertime wrote: »

Don't touch Quinn Direct.

They are about to go under.

:eek::eek::eek:

On a scale of 1-10, how serious are you?

L1011

Hammertime wrote: »

Don't touch Quinn Direct.

They are about to go under.

Source? You're a fairly reliable sort on the whole but I've not even heard rumours of this and I've sources that would know usually...

SRFC90

quirke_folder wrote: »

Your policy is nul and void if you crash. Basically an uninsured driver. Well Done

Think the poster meant just to get a quote, not the actual real deal!:)

Max_Damage wrote: »

News to me...

Same, how'd ya hear of this or can you say?

L1011

quirke_folder wrote: »

Your policy is nul and void if you crash. Basically an uninsured driver. Well Done

I read that as him suggesting how to get a rough idea of the price NOT how to get insurance!

Bandara

NewApproach wrote: »

:eek::eek::eek:

On a scale of 1-10, how serious are you?

I'm not joking.

They are in serious difficulty by all accounts. Their policys are being dumped in the UK at an alarming rate in order to claim back some of the value of them in case they go bust and people insured with them lose everything.

It may be hysteria but if this escapes into the mainstream the 'rumours' alone will tip them over the edge.

I'd personally have imagined that the business is still worth something though, the Quinn group is really getting slaughtered due to the multitude of bad decisions its board has made. They are in the process of closing down the majority of their operations in and around eastern europe/russia

This is just the news i've heard fropm 3 sources, 2 of which are very reliable and are close friends

NewApproach

Hammertime wrote: »

I'm not joking.

They are in serious difficulty by all accounts. Their policys are being dumped in the UK at an alarming rate in order to claim back some of the value of them in case they go bust and people insured with them lose everything.

It may be hysteria but if this escapes into the mainstream the 'rumours' alone will tip them over the edge.

I'd personally have imagined that the business is still worth something though, the Quinn group is really getting slaughtered due to the multitude of bad decisions its board has made. They are in the process of closing down the majority of their operations in and around eastern europe/russia

This is just the news i've heard fropm 3 sources, 2 of which are very reliable and are close friends

Thanks...

Put it this way, if you had a policy with them, would you be looking to change it?

eringobragh

Hammertime wrote: »

I'm not joking.

They are in serious difficulty by all accounts. Their policys are being dumped in the UK at an alarming rate in order to claim back some of the value of them in case they go bust and people insured with them lose everything.

It may be hysteria but if this escapes into the mainstream the 'rumours' alone will tip them over the edge.

I'd personally have imagined that the business is still worth something though, the Quinn group is really getting slaughtered due to the multitude of bad decisions its board has made. They are in the process of closing down the majority of their operations in and around eastern europe/russia

This is just the news i've heard fropm 3 sources, 2 of which are very reliable and are close friends

Did they not have to honour a bond with the government and in the event of anything that people will be compensated by the state.

Personally I think there a joke I got fully comp Arron (Allianz Broker) Fully Comp cheaper than Third party Quinn , rang "I suppose you got a better quote" Me: Yes "OK that policy won't be renewed" :rolleyes:

Bandara

NewApproach wrote: »

Thanks...

Put it this way, if you had a policy with them, would you be looking to change it?

To be honest I don't know, one of my sources is a very close friend who was on a business trip to Tatarstan where there is a large Quinn logistics centre, they went to visit it only to find it closed, the person there said it was closed down, which has since been denied by the relevant people in the Quinn group. Yet there was no one at all in this large building on a Thursday.



I can understand why they may be in trouble as part of the Quinn group, but i'd have thought that the insurance end was profitable?

Who knows. If I had a normal car or home policy for €500 or suchlike I wouldn't be bothering changing, but if I had the business policys with them I think I would.

Back to the OP..

Do what I did.

Get your mum to swap over onto Hibernian Insurance.

Get lessons off of Hibernian Driving School.

€35 per lesson.

When you buy ten lessons (€350), you can get added onto your mum's policy for 6 months with no charge!! essentially free insurance as the driving lessons are market rates!

I did this a year ago, found the lessons excellent, and also, you get assessed during them, so that when you'll need your own insurance, you'll be able to get a discount!

Definitely something I'd recommend to anyone starting out.

SRFC90

Back to the matter at hand lads....:rolleyes:

haha!:D

SRFC90

Deleted User wrote: »

Back to the OP..

Do what I did.

Get your mum to swap over onto Hibernian Insurance.

Get lessons off of Hibernian Driving School.

€35 per lesson.

When you buy ten lessons (€350), you can get added onto your mum's policy for 6 months with no charge!! essentially free insurance as the driving lessons are market rates!

I did this a year ago, found the lessons excellent, and also, you get assessed during them, so that when you'll need your own insurance, you'll be able to get a discount!

Definitely something I'd recommend to anyone starting out.

Sound one buddy! Sounds like a good idea for sure.

Father just informed me however that he has his car + mothers + house etc all insured with Axa so he reckons he'll get a good deal with them. Is he right or being foolish?

Bandara

SRFC90 wrote: »

Sound one buddy! Sounds like a good idea for sure.

Father just informed me however that he has his car + mothers + house etc all insured with Axa so he reckons he'll get a good deal with them. Is he right or being foolish?

they won't do anything out of the ordinary for a learner driver. that hibernian deal is a fantastic one

Graham_B18C

quirke_folder wrote: »

Your policy is nul and void if you crash. Basically an uninsured driver. Well Done

I didn't say fill in makey uppy details and buy the thing, it was just to give them a guideline price!

Kurva

im guessing your in dublin

but try and get a quote from Bestquote - (McCarthys down here in cork) they're a broker and they've always got me the best deals

Axa are your best bet - but go thru a broker and you'll get the best quote around

and if you find another similar broker like O'Learys down here you can use one quote against the other as both are dealing with Axa ( even if they don't tell ya)


Im 27 myself - male - full license - 5years + etc... Ive my cousin as a named driver on my other car a 97 1.4 Escort - but he is 21 which id say made a huge dfference

we got quoted €970 fully comp ( which he pays all of!) - took a bit of wrangling to get it to that - could be 700 odd when he gets his full license

still the best he could get on his own was €1630

challengemaster

I'm 17, learners permit, insured on my own Fiat Punto 1.2 TPFT for ~€2000 with Quinn Direct.

Holsten

I'd go with €1400 min.

SRFC90

Think father researched Axa and was quoted with €1200 for 12 months?

XJR

If you want to know how much your insurance will cost the best way to find out is to ring around and use the company websites.

AXA have various offers for young male drivers and specifically do a package aimed at young males.

As for Quinn going bust; that rumour has been doing the rounds for the last few weeks and given his losses on Anglo Irish who knows, but even if they do I don't see it as a particular problem for their policy holders. To be honest I'd be more worried about their claims service than anything else.

snowman707

SRFC90 wrote: »

Think father researched Axa and was quoted with €1200 for 12 months?

seems a bit high to me, as the father of 3 teenagers i have been down this road, get a quote from a broker, try one of the ones here http://www.sertus.ie/brokers.asp

even though you may well finish up with Axa you may well get a better quote.

timmywex

www.bestquote.ie

Im 17, started riving in october, learner permit, insured as a second named driver on my mam's 2000 citroen xsara 1.4, twas €849, so not too bad, i think it was through axa broker

snowman707

timmywex wrote: »

www.bestquote.ie

Im 17, started riving in october, learner permit, insured as a second named driver on my mam's 2000 citroen xsara 1.4, twas €849, so not too bad, i think it was through axa broker

Usually around this figure, I have my son covered in my policy on a 2.2 diesel for €880 .. male 17 on first leaner permit.

the_syco

I'm 27, on a provisional that costs me about €1200 fully comp on my own 2002 1.4 Honda Civic. Got the quote using insure.ie as the broker. Found ringing them to be the best option. Insurance is with a crowd called "Asgard", which seems to be good for young people. Excess is only €300 and something.