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Is it just me getting older or is insurance after coming waaaaaaay down in price?

  • 12-02-2009 3:50pm
    #1
    samsemtex
    Closed Accounts Posts: 935 ✭✭✭


    On 123.ie there seems to be very few cars on which it would cost me more than €1700 to insure myself. M3s, AMG mercs, etc all would cost me €1700 comp. I was paying €1400 for my 1.8 s40 last year and its only €950 now. Im a 23 year old male, with 1 yr full liscence and 3 yrs named driver.

    Was just pricing last night when i was bored and if i wanted a Vauxhall VX220 it would be insured fully comp for €1150!! Thats seriously cheap for a car with that type of performance.

    Getting a performance car is ever more realistic. :D


Comments

  • #2
    jenizzle
    Hosted Moderators Posts: 6,817 ✭✭✭jenizzle


    Bear in mind that insurance companies are making a loss at the moment, so the prices may start to rise this year.


  • #3
    Eoin
    Registered Users, Registered Users 2 Posts: 21,263 ✭✭✭✭Eoin


    I don't know about the performance cars - I'm still a few years away from the one I want to get, but certainly I think young males are getting much better quotes than I could ever have dreamed of. Lads in their early 20's getting quotes for less than 2K on M3s and what not. I was paying £2700 / €3500 in a 1.1 when I was 22.

    That said, a few people are reporting that premiums are on the increase again - so maybe it's been a bit of a pendulum effect.

    Edit - the quotes I'm getting for 3rd party cover on 123.ie are more expensive than what I am currently paying for fully comp - but strangely if I were to change to an M5 (double the engine capacity, value and BHP) fully comp would be around €1,350. Hmmmm.


  • #4
    mik_da_man
    Hosted Moderators Posts: 9,980 ✭✭✭mik_da_man


    Some places seem to be going up, but 123.ie seem to pretty cheap.
    I thought they had the €4K excess but that seems to be gone now.

    The will not quote me on an Evo X though :(


  • #5
    Matt Simis
    Registered Users, Registered Users 2 Posts: 8,718 ✭✭✭Matt Simis


    mik_da_man wrote: »
    Some places seem to be going up, but 123.ie seem to pretty cheap.
    I thought they had the €4K excess but that seems to be gone now.

    The will not quote me on an Evo X though :(


    Thats the XS Direct policy they resell. Arent they still a broker for other providers though?


  • #6
    Barr
    Registered Users, Registered Users 2 Posts: 7,023 ✭✭✭Barr


    Hibernian and Quinn will be raising their rates soon appartantly , many others will be following suit


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  • #7
    Eoin
    Registered Users, Registered Users 2 Posts: 21,263 ✭✭✭✭Eoin


    Matt Simis wrote: »
    Thats the XS Direct policy they resell. Arent they still a broker for other providers though?

    Ah, so that's the catch. Isn't that the crowd where you don't accumulate a no-claims bonus as well?


  • #8
    minxie
    Registered Users, Registered Users 2 Posts: 4,064 ✭✭✭minxie


    have been with hibernian for the past 5 years or
    so and my premium for this year went up by €120,
    needless to say i took a cheaper quote


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