Has car insurance gone down?

mickdw · 11-03-2011 2:56pm #1

Mate just got his renewal in the post. He was always paying about the same as me, about 800 but his renewal quote would always be about 1100 then bargaining them down to 800 or so. Now after a 3 to 4000 euro claim after the frost, he has got his renewal quote at €850. I think he has protected no claims but we had only been talking about it last week how he would have no bargaining power this year and would get the 1100 quote and be stuck with it as insurers are still saying the claim is open against him.

So have prices reduced?

11-03-2011 3:02pm

Got a few quotes online yesterday, 5 to 6 hundred, 123.ie were a good bit less than 400, 3rd party f and t.

siobhan.murphy · 11-03-2011 3:03pm

try www.bestquote.ie

cojomo2 · 11-03-2011 3:06pm

myself(late 20's) and the misses(early 20's) were paying 300ish foe fully comp on a 1.1 colt.

I have 8-9 months before renewal and just changed to a bmw 520i (2.2) and my policy shot up by a whole 85 euro! Nice

johnos1984 · 11-03-2011 3:14pm

Hopefully mine will now start to drop as I will have 2 years NCB this time round

11-03-2011 3:21pm

siobhan.murphy wrote: »

try www.bestquote.ie

I found them to be way over the rest, worst quote in fact.

alias no.9 · 11-03-2011 4:13pm

RoverJames wrote: »

I found them to be way over the rest, worst quote in fact.

I switched to them recently, cheaper than anyone else once breakdown and bonus protection were included. Otherwise Tesco were cheapest.

OP I seem to be finding that with the online brokers, the cheapest underwriter seems to be changing every year. There's probably one aggressively chasing market share each year. In my case, last year it was Chartis, this year it's RSA. I doubt you can change underwriter with a protected bonus claim, but maybe they were poxed and their existing underwriter was chasing market share.

11-03-2011 4:18pm

123.ie are under written by RSA now, 200 less than best quote for me.

11-03-2011 4:19pm

RoverJames wrote: »

Got a few quotes online yesterday, 5 to 6 hundred, 123.ie were a good bit less than 400, 3rd party f and t.

Found them to be by far the cheapest aswell. Got 3rd party f and t on a 1.3 corolla with protected no claims, 3 yrs no claims bounus, no points for 398.
I am 26, driving 3 years. Next cheapest for same cover was axa at close to 550 :eek:

edit: looked at it there, its 389 not 398!

alias no.9 · 11-03-2011 4:30pm

RoverJames wrote: »

123.ie are under written by RSA now, 200 less than best quote for me.

Wasn't much in it for me, if I had been with 123, I'd probably have stayed with them but there was an extra few quid (€50ish) to be saved over insure.ie. All proposals were underwritten by RSA.

Has car insurance gone down?

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