How much was your very first insurance quote?

pandamoanium

There seems to be an influx of insurance quote rants and raves on here recently and lots of talk of what people are paying for their first ever insurance quotes so I thought it might be interesting to make a poll.

I originally went checking out insurance quotes about 6 months ago and was getting pretty decent quotes (around E700 for a 2.7 litre!) what with me being a learner driver and all... and now that I'm looking for quotes I'm getting ridiculous quotes like E1200 and that's for a way smaller car, so yup, it would appear that quotes are on the up and up...

Oh and One Direct and Hibernian refused to even quote me on anything larger than a 1.4! :mad:

Ok so here goes...

First Insurance Quote Details:
Sex: Female
Age: 25
Licence: Full Irish
NCB: 0

Quote (Best): E850

Vanbis

pandamoanium wrote: »

Oh and One Direct and Hibernian refused to even quote me on anything larger than a 1.4! :mad:

Ok so here goes...

First Insurance Quote Details:
Sex: Female
Age: 25
Licence: Full Irish
NCB: 0

Quote (Best): E850

In fairness OP that quote of €850.00 is very good for you as you have 0 NCB. I think most insurance companys like Quinn and Hibernian wont offer you a quote unless you are 26 or older. When i bought myself a VW 1.4 i got a quote of €1,600 and i had 0 NCB and that was the best i could get.

I now drive a VW GTi 2.0ltr and pay €700.00 fully comp.

C.D.

Back in 2006,

Age:19
Gender: Male
Car: 1997 999cc VW Polo
Car Value: €2,500
Company: Q-D (best price)
Quote: €2,800
License: Learner
NCB: 0
Insurance: TFPT

C.D.

Currently:

Age:22
Gender: (still ) male
Car: 2001 1498cc Nissan Almera
Car Value: €3,000
Company: Q-D (best price)
Quote: €660
License: Full Irish
NCB: 3
Insurance: TFPT

CianRyan

I haven't bought a car because I know, even if I can afford a car I won't be able to afford the insurance.

quarryman

pandamoanium wrote: »

and now that I'm looking for quotes I'm getting ridiculous quotes like E1200 and that's for a way smaller car, so yup, it would appear that quotes are on the up and up...

if you think 1200 is a "ridiculous" quote be thankful you are not a guy.

you can bet it the female gender were penalized in something else in a similar way it wouldn't last long.

btw i think capping your poll at 3000 is a bit low.

high horse

quarryman wrote: »

btw i think capping your poll at 3000 is a bit low.

+1

Back in 2000, I paid 2200 pounds for insurance on a 1043cc Seat Ibiza. With 43bhp, it didn't have the power to pull you out of bed!
I was 18 at the time with 0 years NCB so the equivalent of 3000 euro was considered normal rates for a guy

Mena

Back in 1990,

Age:17
Gender: Male
Car: 1988 Opel Superboss 2.0 16v Turbo (250 ish Bhp)
Car Value: I really can't recall :S
Company: Can't recall (not Ireland so no relevance)
Quote: €85.00 ish
License: Learner
NCB: 0
Insurance: Fully Comp

Sleepy

First insurance in my own name back in 2005:

Age: 24
Gender: Male
Car: 1997 1.4 Honda Civic
Car Value: €3,400
Company: Q-D (best price)
Quote: €1800
License: Full
NCB: 0
Insurance: Comprehensive
_______________

I'd had named-driver insurance on my mother's 106 (and subsequent 206) for about 6 years prior to that, adding £800 to her insurance the first year!

Now paying about €800 for comprehensive on the same civic.

pred racer

first time on my dads policy, 399. i'd gotten my first provisional that day:D
that was with FBD and it meant my older sister got insured for nothing as one payment covered any number of learners.

salad dodger

Then:

Year: 2000
Age:22
Gender: Male
Car: 1995 1.3L Toyota Corolla 5dr
Car Value: £6,000 ( €7680 )
Company: Quoteline, policy from AXA
Quote: £2,900 ( €3680 ) :eek:
License: 2nd provisional
NCB: 0
Insurance: TFPT

Now:

Year: 2009
Age:31
Gender: Male
Car: 2004 1.9L A4 130 TDi
Car Value: €10,000
Company: Quinn
Quote: €565
License: Full (clean)
NCB: 9
Insurance: Fully Comp

snowman707

For a 2.5 ltr diesel, £89, the car cost £450

Think the year was 19*$

mufc4lfe

Im 19 and starting next week for 3 months insurance on my dads car is 869euro.05 Totota corolla 1.4 d

mondeo

About 15,000 for a 1.3 civic almost ten years ago now..

On a more serious note, my cousin got quoted 6,500 on a 1.4 civic in 2002. 17 yrs, Prov license with no experience. Jesus he paid it to.

Senna

Then:

Year: 2001
Age:23
Gender: Male
Car: 1994 1ltr Diahatsu Charade turbo diesel (about 5 1/2bhp)
Car Value: £1,000 ( €1270 )
Company: AXA
Quote: £2,300 ( €2920 )
License: Full
NCB: 0 (1 year as a named driver)
Insurance: TPFT

Now:

Year: 2009
Age:30
Gender: Male
Car: 2.2 Honda Prelude Type S (220bhp)
Car Value: €8,000:D
Company: Quinn
Quote: €470
License: Full (clean)
NCB: 8
Insurance: TPFT

Yakult

Age: 19
Gender: Male
Car: 94 Honda Civic Vti
Car Value: 3500
Company: Quinn
Quote: 1900
License: Full Irish
NCB: 1
Insurance: TFPT

kkhornet

THEN

Age:18
Gender:male
Car: 1997 opel astra 1.4 saloon
Car Value: €3,000
Company: Q-D (best price)
Quote: €3000
License: Provisional Irish
NCB: 0
Insurance: TFPT

NOW

Age:22
Gender:male
Car: 2004 mitsubishi lancer 1.6 saloon
Car Value: €9000
Company: Q-D (best price)
Quote: €803.16
License:full Irish
NCB: 4
Insurance: Fully Comprehensive

ArphaRima

This was in 2001:

First Insurance Quote Details:
Sex: Male
Age: 20
Licence: Provisional
NCB: 0
Car: Audi A3 1997.

Quote (Best): E6600!! Yes I took it. A micra was 4800. A polo was 5400.

McGrath5

2005:

First Insurance Quote Details:
Sex: Male
Age: 19
Licence: Provisional
NCB: 0
Car: Fiat Tipo

Was Quoted 4500e by Hibernian, best quote was 2500e.

Donnelly117

the first quote i got was under my dads insurance on his car:

male
age:17
car value: 26,000
engine: 1.6 FSI
quote 4,000 for 3 months :eek: lol

when i got my own car it was 1500 on a corsa

NewApproach

First quote I got was on parents policy:

2007
First Insurance Quote Details:
Sex: Male
Age: 17
Licence: Provisional
NCB: 0
Car: 06 Saab 93 1.8T

€740 TPFT.

Can't complain!
Got a €200 rebate aswel when I passed my test halfway through the year.

bladebrew

so has insurance come down during the years? i never even tried to get a quote on a car when i lived in dublin,but for an aprillia rs 125 i got a quote of €6800! thats for a 125cc motorbike!

first time driver on provisional in a 1.1 saxo was around €1400,got my full licence but next year due to points etc,,was €1400,
renewal in a few weeks is €1400:)

oldyouth

'Twas back in the year of our Lord, 1979

Sex; Male
Age; 18
Licence; Provisional
NCB; Nil
Car; 3 yr old Chrysler Sunbeam, 1.3
Quote; £198
Cover; Comprehensive
Insurer; Irish National Insurance (now Zurich), 'cos I worked for them

Didn't bother sitting my test for 4 years because it would have only saved me £15 a year

stevie.enright

My first insurance premium

Started driving in 2002
Car: Renault Megavan 1.9 flat diesel valued at €5,000.
My details: 20 year old male, full Irish license with no medical conditions.
NCB: 0 years.
Compay: Quinn Direct Insurance.
Cover: Third party, fire and theft
Premium: €2,400 approx.

If it was a regular 4/5 seater car (even a basic 1 litre) you could add on another grand and if I was on a provisional license you could add on another grand again....I didn't have the luxury of driving around for months on end with L plates on my car and could only have afforded insurance if I earned my full license first. I have friends who paid €5,000 upwards to get on the road. What annoyed me most was my insurance premium remained high for a good few years even though no claims or change in particulars were made. I did feel unfairly done by to see other people my age causing very serious accidents and getting back on the road for a song after cause they were insured under Mammy or Daddies name. Also I do know girls who would easily give any fella a run for his money when it comes to being wreckless/ careless/ dangerous on the road. Ok rant over for the day:mad:

OP if you ask me you are getting off very lightly if you ask me. Just make a comparison with other peoples initial premiums as outlined in the thread. Who the hell and how are people paying less than 100 for car insurance as per the poll is what I'd like to know:rolleyes:

Berty

20 Year of Male
998cc Seat Ibiza Valued at £4500 all those years ago

£2500ish.

Went named with my father the policy holder for £1750. Mother took over their policy with his as named driver on his car and to their horror got a £200 off. :D:D

I LOL'd.

Eoin

22 Male with provisional and no history - £2700/€3500 for a 1.0 89 mini valued at ~1500 or so. I think it took 3 years before I was paying under £2000. So not much sympathy for the kids bitching about the cost of insurance in an M3 or Evo.

SV

19, male, provisional for a week, On a Clio 1.2 (99) valued at 3000.
Insurance fully comp for 1800.

It's now 100euro cheaper with 2 years ncb and moved on to a 106gti.

Gumbo

Back in 2002,

Age:21
Gender: Male
Car: 1998 Honda Civic 1.4i Hatch (90bhp)
Car Value: €8,500
Company: Quinn Direct (Only place that would insure me)
Quote: €4,600
License: Full
NCB: 0
Insurance: TFPT

fifth

Then:
Year: 2006
Age:19
Gender: Male
Car: 1.0 Opel Corse (1999)
Car Value: €3,000
Company: Quinn Direct
Quote: €2200
License: Provisional
NCB: 0
Insurance: TPFT


Now:
Year: 2009
Age:22
Gender: Male
Car: 2.0 Honda Accord Petrol i-vtec (2006)
Car Value: €17,000
Company: Quinn Direct
Quote: €1200
License: Full (clean)
NCB: 2
Insurance: TPFT


Next years renewal quote:
Year: 2009/2010
Age:23
Gender: Male
Car: 2.0 Honda Accord Petrol i-vtec (2006)
Car Value: €17,000
Company: Quinn Direct
Quote: €1800+
License: Full (2 Penalty points)
NCB: 3
Insurance: Fully comp

Desperately need a cheaper insurer as it's getting too expensive.

star-pants

June 2007
Gender: Female
Age: 24
License: Learner
Car: VWPolo 1L 2000reg
Company: RoyalSun&Alliance
Cover: Fully Comp
Quote/Price: €898

Can't remember last years but this year was around €521, same company, same car, fully comp. Full license since Nov 07

Keith C

bladebrew wrote: »

so has insurance come down during the years? i never even tried to get a quote on a car when i lived in dublin,but for an aprillia rs 125 i got a quote of €6800! thats for a 125cc motorbike!

first time driver on provisional in a 1.1 saxo was around €1400,got my full licence but next year due to points etc,,was €1400,
renewal in a few weeks is €1400:)

I had an rs125 for few years, insurance went from €800 to €2,400 as the rs125 & honda NSR 125 went from group 3 to group 7 due to the high accident rate.
I quickly changed to my first car

stevie.enright

funkyflea wrote: »

Next years renewal quote:
Year: 2009/2010
Age:23
Gender: Male
Car: 2.0 Honda Accord Petrol i-vtec (2006)
Car Value: €17,000
Company: Quinn Direct
Quote: €1800+
License: Full (2 Penalty points)
NCB: 3
Insurance: Fully comp

Desperately need a cheaper insurer as it's getting too expensive.

funkyflea if I were you I'd be inclined be inclined to shop around as with a 3 year NCB you are in a better position to. In my experience Quinn Direct are only money grabbing swines only too willing to pull a fast one and chance their arm....the stories I could tell you:mad:

I just fail to see how that increase can be justified if no claims were made and there are no change in particulars? . Online brokers such as 123.ie or bestquote.ie are good but if you try a smaller broker in your local town(s) they might be able to get you an even better deal...they certainly did for me last time round. Having siad that your category of car would be pretty high I'd imagine so won't make any promises to you either but definatley worth checking out all the same.

rotinaj

First quote I got back in 2003

95Corsa 1.2
Prov licence
17
TPFT

€5300

Had to pay it as I got a job 30miles from home at the time. Its only 500 now though

angeldelight

Age: 21
Gender: Female
Car: 2008 toyota yaris 1.0 5 door
NCB: 0
Full licence for 8 months
Best 650 if passed Hibernian advanced driving test, didn't have time so took 900 quote from AXA

Fishtits

First insurance was 750 punts, ish, as a named driver on my "mothers policy" . On a mini 850... TPFT. I was employed by the state and earning 100 net ish a week.

Currently driving a BM and paying less than 200E for fully comp.

Go figure...

PS, never had a claim, nil penalty points.

Run_to_da_hills

Paid £600 for my first Renault 5 in 1986. It has never exceeded £800 despite losing NCB in 1996. It is now down to €400 for a commercial policy. I also have a 750 Sizuki sports bike covered at just €320 on a seperate policy.

TJJP

Back in 2002,

Age: late 20's
Gender: Male
Car: 1995 1998cc Celica
Car Value: €4,500
Company: AXA
Quote: €6,800
License: Full
NCB: Nil, driving abroad
Insurance: Fully Comp

Toots

First quote I got was as a 17 yr old in 2002 being added on to my Mum's policy when I was learning. It was with Allianz AFAIR and was €81 for the year.

In my own name in 2005:
Age: 19
Licence: Full 2 yrs, no penalty points
Car: 2000 Daewoo Matiz 0.9l
Value: €4000
NCB: 1 policy year named driving experience
Insurer: Quinn
Cover: TPF&T
Cost: €913

Now:
Age: 23
Licence: Full, clean
Car: 2004 Rover 45 1.4l
Value: €5000
NCB: 5 years
Insurer: Zurich (through Insure.ie)
Cover: Fully Comp
Cost: €470 (last year's premium was €330 :mad:)

Diddy Kong

June 2000
Gender: Male
Age: 17
License: Learner
Car: 1990 Nissan Micra
Company: Quinn
Cover: 3rd Party F&T
Quote/Price: €4800 (This year's quote (fully Comp) €622 on 407 1.8)

I think the worst thing about that quote was that it was actually the lowest I received at the time. Worst thing was that I actually paid it.

fifth

stevie.enright wrote: »

funkyflea if I were you I'd be inclined be inclined to shop around as with a 3 year NCB you are in a better position to. In my experience Quinn Direct are only money grabbing swines only too willing to pull a fast one and chance their arm....the stories I could tell you:mad:

I just fail to see how that increase can be justified if no claims were made and there are no change in particulars? . Online brokers such as 123.ie or bestquote.ie are good but if you try a smaller broker in your local town(s) they might be able to get you an even better deal...they certainly did for me last time round. Having siad that your category of car would be pretty high I'd imagine so won't make any promises to you either but definatley worth checking out all the same.

As I type this I've a letter waiting for me at home from Quinn so I'll see what it says, fingers crossed it's a lower renewal quote. I'm waiting on a quote back from 'Munster insurances' at the moment as well. So far - even at that price - Quinn are the cheapest insurer I can find from online sites..

TestTransmission

TJJP wrote: »

Back in 2002,

Age: late 20's
Gender: Male
Car: 1995 1998cc Celica
Car Value: €4,500
Company: AXA
Quote: €6,800
License: Full
NCB: Nil, driving abroad
Insurance: Fully Comp

You didnt pay that though did you?

Theta

June 2008
Gender: Male
Age: 22
License: Full
Car: Saab 9-3 1.8t
Company: One-Direct
Quote/Price: €800

Had to get cover under my folks though

2200 Euro
AXA
Provisional license
21 years old
2000 Daewoo Lanos 1.3

On my own car as named driver, not bad i thought.

The Real B-man

Year: 2008
Age:20
Gender: Male
Car: 2001 1.0 Seat Ibiza
Car Value: €4500
Company: Quinn
Quote: €1800
License: 1st Provisional
NCB: 0
Insurance: TFPT

no1beemerfan

Jul 2000 then Aged 20
NCB 0 and prov licence
Car 1.0 litre micra! (1.5 year old car at the time)
TPFT £3,500....yes Irish pounds!

Young people can say insurance is high now but before Mary Harney (really only the good thing she did!) changed the Insurance/compensation landscape we were paying through the nose back in the late 90s early 00s.

I now drive a 1.8 petrol laguna and its €600 fully comp.

fifth

Well got a quote from Quinn today for €998 (+64.70 service charge as well) -TPFT.

It says excess €300 (Section 1 only) what does this mean? I assume this isn't voluntary and I have to pay it?

Why is this?

Details

Honda accord petrol 2.0 i-vtec
NCB 3 years
Male 23yo
Penalty points 2

Eoin

Excess is the amount you have to pay out in the case of a claim. So if you claim for 1000, they will only pay 700 and you have to pay the first 300.

fifth

eoin wrote: »

Excess is the amount you have to pay out in the case of a claim. So if you claim for 1000, they will only pay 700 and you have to pay the first 300.

Ah yeah I remembered after I posted it. Still gonna shop around though before my renewals due.

Novella

My very first insurance quote :

2007
Company : Hibernian
Car : '07 Mitsubishi Colt
Provisional license
O NCB
Fully comp, 1200

Now
Same company, same car, full license, 2 years NCB and have only dropped my insurance by 200 euro

Gunth

Gender: Male
Car: 1.25 Fiesta
History: 0 Years
Licence; Provisional
Quote: €3,300
What a bargain :mad:

stevie.enright

eoin wrote: »

Excess is the amount you have to pay out in the case of a claim. So if you claim for 1000, they will only pay 700 and you have to pay the first 300.

I believe that for the very most part if you are with the insurance for more than a few years you would be stung for the 300 on top of your premium come next renewal time. This was the case for a few people I know where third party claims were made.

In the UK it would appear that you can quite often increase your voluntary excess to reduce your premium but think thats virtually unheard of here or at least was the case of any any insurance company/ broker I was getting quote off any renewal time.