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1st Time Insurance - Provisional License?

  • 03-01-2009 5:28pm
    #1
    mac85
    Registered Users, Registered Users 2 Posts: 41 ✭


    hi folks,

    i know its a fairly general question, but I'll put it out there anyway..

    Any recommendations of which insurance company to choose? few details:
    Male, 23, provisional license, 1.4 vvti toyota corolla hatchback '01.
    Insurance on my own.

    Also, friends have said to me to go with "Third party fire & theft" as its my first car..agree?

    looking for good cover (and obviously cheaper the better).

    Any suggestions welcome..

    thanks


Comments

  • #2
    GERMAN ROCKS
    Banned (with Prison Access) Posts: 1,796 ✭✭✭GERMAN ROCKS


    id say you cant beat quinn direct for male young drivers. i would recommend comprehensive as the car is still worth about 3000-4000.


  • #3
    ninty9er
    Registered Users, Registered Users 2 Posts: 9,366 ✭✭✭ninty9er


    You won't know which company is cheapest for YOU unless you ring around.

    Insurance is different for everyone. Hibernian were the cheapest quote for mine, but the most expensive for a friend who worked for them at the time giving similar details.

    ALWAYS get comprehensive insurance if you can't afford to be without a car, or can't afford to replace it immediately out of your own pocket.


  • #4
    Hurley6969
    Registered Users, Registered Users 2 Posts: 151 ✭✭Hurley6969


    I would give Quinn a shout they were the cheapest I could find. (20 year old male).


  • #5
    Eoin
    Registered Users, Registered Users 2 Posts: 21,263 ✭✭✭✭Eoin


    Get a piece of paper, pen, phonebook, phone and an hour of your time. Ring every company and broker for a quote (3rd party and fully comp) and write them all down, along with whatever extra benefits you might get. Then make your choice. I really don't understand why young drivers don't take the time to do this.


  • #6
    Wishbone Ash
    Registered Users, Registered Users 2 Posts: 25,038 ✭✭✭✭Wishbone Ash


    GERMAN ROCKS wrote: »
    i would recommend comprehensive as the car is still worth about 3000-4000.
    I'd be going for comprehensive to pay for any ultra expensive medical bills or continuing treatment/care should I have a serious accident. I wouldn't give a toss about a piece of plastic and metal.


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  • #7
    pearcider
    Registered Users, Registered Users 2 Posts: 1,036 ✭✭✭pearcider


    Exact same situation as yourself last year. Ring around is your best advice. the cheapest I found was AXA for €1700. Quinn quoted me 2,500€! Don't know how they have such a good rep...


  • #8
    godtabh
    Moderators, Science, Health & Environment Moderators Posts: 23,243 Mod ✭✭✭✭godtabh


    GERMAN ROCKS wrote: »
    id say you cant beat quinn direct for male young drivers. i would recommend comprehensive as the car is still worth about 3000-4000.

    comprehensive is gona cost you an arm and a leg. I remember when I started to drive at the same age with a 1.2 punto going from TPFT to full cover added €1.5k to a premium of €3.6k


  • #9
    GalwayKiefer
    Registered Users, Registered Users 2 Posts: 1,005 ✭✭✭GalwayKiefer


    eoin wrote: »
    Get a piece of paper, pen, phonebook, phone and an hour of your time. Ring every company and broker for a quote (3rd party and fully comp) and write them all down, along with whatever extra benefits you might get.

    100% agree, i do this every year just to make sure I'm getting the best deal. Last year the quotes I got varied by as much as €1400 cheapest to dearest!! In the end I went with Axa through a broker...and was €120 cheaper than Axa's direct quote...:confused:


  • #10
    unkel
    Registered Users, Registered Users 2 Posts: 66,123 ✭✭✭✭unkel
    Chauffe, Marcel, chauffe!


    GalKiefer wrote: »
    I went with Axa through a broker...and was €120 cheaper than Axa's direct quote...:confused:

    Yep happened to me several times. OP - do what eoin said and ring them ALL (plus do the online ones)

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  • #11
    EPM
    Closed Accounts Posts: 13,822 ✭✭✭✭EPM


    GalKiefer wrote: »
    100% agree, i do this every year just to make sure I'm getting the best deal. Last year the quotes I got varied by as much as 1400 cheapest to dearest!! In the end I went with Axa through a broker...and was 120 cheaper than Axa's direct quote...:confused:

    This year axa quoted me 1251 yo yo...the same policy with axa through a broker was only 570. Seriously shop about as much as you possible. You'll be suprised by the variation


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