Insurance question for those of you who drive a 250bhp - 350bhp sports car

Beta Ray Bill

Hi All

Trying desperately to get a decent quote on a Mitsubishi Evolution IX.

I was insured on an Evolution V when I was 25 and was paying €1400 (approx)
and that was with Quinn

I have mentioned before on here that Quinn will no longer quote me on these types of cars.

I'm 27 now and have no claims or points and am expecting to be paying the same or less for insurance.

Can you please quote what car you are driving, what age you are, how much your insurance is and who are you insured with.

I'm finally in a position to buy one but cant get a decent quote.
Everyone is quoting around €1800 :mad: which is ridiculous

Also:
I have been without a car now since November 2009. Previous to which I had 4 years NCB.
I have been a named driver on my Girlfriends car all this time.
Am I at risk of losing my NCB?

Cheers
G.

Tragedy

Cheapest I could find last summer for a 2.5l 190bhp petrol was €1,400.

25, 2 years NCB, driving license 2 years.

Looking around at the moment, 26, 3 years NCB, still can't get much lower.

Insurance prices seem to have hiked up hugely in our bracket(25-32 right?)

18 months ago I could get fully comp on an e39 M5 for €1,466

yop

It was probably the age (32) but I was paying 527 full comp through RSA for the 260bhp Mazda 6 MPS.

ShadowHearth

nissan skyline gtst 400hp - quinn-direct. 1.1k eu third party blablabla 24 years old 3 ncb


get a policy with quinn with your current car, then after few months call them and tell them that you bought new car and you want to update policy. give reg. then hear a few times: " did you reall really really really bought that car?". wait a few minutes till she talks with some big cheese. +???????. then profit. about 200eu atop of your current insurance.


workjed twice for me so far. on mazda mx5, where they told me i have to be 35 years old, and now on skyline.

Beta Ray Bill

ShadowHearth wrote: »

nissan skyline gtst 400hp - quinn-direct. 1.1k eu third party blablabla 24 years old 3 ncb


get a policy with quinn with your current car, then after few months call them and tell them that you bought new car and you want to update policy. give reg. then hear a few times: " did you reall really really really bought that car?". wait a few minutes till she talks with some big cheese. +???????. then profit. about 200eu atop of your current insurance.


workjed twice for me so far. on mazda mx5, where they told me i have to be 35 years old, and now on skyline.

Look's like I'm going to be going down that road.

Matt Simis

Its the car. You could get cheaper insurance on similar BHP Audi's or BMWs and the like.

muckwarrior

RX8 231PS, 29 1yr NCB €1160 123.ie

Everywhere else was several hundred more

TestTransmission

CL7 Accord Euro R - 220 bhp,26,full NCB,fully comp for approx 700 euro

Midnight_EG

Ah Graham, you're getting a bit old now


Would you not just buy a house?





:pac:

conor-mr2

Evo 8 FQ320 MR
with Quinn Direct --1427euros.

Agree that its the car thats pushing the price up

MetzgerMeister

Mazda RX-8 250bhp JDM
€1000 fully comp
Setanta (through First Ireland)
25 y.o.
6 years NCB

john.west

yop wrote: »

It was probably the age (32) but I was paying 527 full comp through RSA for the 260bhp Mazda 6 MPS.

Out of curiosity and not my intention to drag thread off topic either but would you mind telling me the broker you went through for RSA insurance. To cut a long story short I renewed my insurance this year with RSA insurance through a broker in Tralee. I'm very very satisfied with the premium and level of cover but not so with the broker (mentioning no names). They misplaced my NCB, only sent me my insurance policy a few days after it commenced even though I had sent in draft and NCB over two weeks before commencement date of policy and after me getting on the blower to them 2 or 3 times....not good enough in my opinion. I believe RSA only quote through brokers, hence it might be useful to me to have the name of another broker come renewal time next year.

123.ie

Veloce

I was quoted something like €824 fully comp on an Alfa GT 3.2 V6. (240 bhp). This was with 123.ie.

ShadowHearth

Veloce wrote: »

I was quoted something like €824 fully comp on an Alfa GT 3.2 V6. (240 bhp). This was with 123.ie.

I was quoted 1.1k for 740 4.4 v8 which is alot of ponies when I was 23 2 ncb. Gtv would not be considered as performamce car. More of hairdressers jewellery. Even if IRS 240 hp.

123.ie are interesting breed. One day they don't insure sports cars, ather day they don't insure jap cars. Then they insure jap car but not performamce cars. Then ather way around. Then they don't insure anything again. It's like when you calling to them you talk with new company every single time

Veloce

ShadowHearth wrote: »

I was quoted 1.1k for 740 4.4 v8 which is alot of ponies when I was 23 2 ncb. Gtv would not be considered as performamce car. More of hairdressers jewellery. Even if IRS 240 hp.

I'm not referring to a GTV.

ShadowHearth

Veloce wrote: »

I'm not referring to a GTV.

Oh crap sorry. But insurance wise it would not be far away of it.

Sheeps

I got a quote for €1100 on a 328ci e46 bmw there from aviva. Didn't shop around, but judging by some of the comments in this thread I probably will. I'm 24 with 7 years NCB as a named driver and no penalty points.

MetzgerMeister

Sheeps wrote: »

I'm 24 with 7 years NCB as a named driver and no penalty points.

From what I know, NCB as a named driver doesn't count with a lot of insurance companies. You need to have NCB in your own name.

Beta Ray Bill

grahambo wrote: »

Trying desperately to get a decent quote on a Mitsubishi Evolution IX.

Hi All

Just a quick update on this,

So basically I rang nearly every insurance broker/company in the golden pages

No one bar XS Direct will quote me, and the quote is €1780.00 (Upfront) with a €4000 Excess

My only option now is to buy a banger and then "switch over" the insurance to an Evo IX after the cool down period (which is different for each company)

This is a pain.
I think its ridiculous that if I want this car that I have to do this.

Also discovered over the weekend, that to rent an additional parking spot in the Apartment complex I am in, will cost €80 per month!!!! :mad::mad::mad:

Think I'm going to have to leave it.
shame really...

yop

john.west wrote: »

Out of curiosity and not my intention to drag thread off topic either but would you mind telling me the broker you went through for RSA insurance. To cut a long story short I renewed my insurance this year with RSA insurance through a broker in Tralee. I'm very very satisfied with the premium and level of cover but not so with the broker (mentioning no names). They misplaced my NCB, only sent me my insurance policy a few days after it commenced even though I had sent in draft and NCB over two weeks before commencement date of policy and after me getting on the blower to them 2 or 3 times....not good enough in my opinion. I believe RSA only quote through brokers, hence it might be useful to me to have the name of another broker come renewal time next year.

The broker was McSharry Foley

jjmcclure

07 Porsche 911 s, 37 no points, €760, Travellers through insure.ie

Beta Ray Bill

jjmcclure wrote: »

07 Porsche 911 s, 37 no points, €760, Travellers through insure.ie

That's actually really good on am 07 911s

But you are 10 years older than me...

will give em a ring.

grahambo

grahambo wrote: »

will give em a ring.

123.ie don't represent travellers any more

Atomic Pineapple

RoverJames wrote: »

123.ie don't represent travellers any more

You can get a quote off them through insure.ie though

Matt Simis

grahambo wrote: »

My only option now is to buy a banger and then "switch over" the insurance to an Evo IX after the cool down period (which is different for each company)

Wouldnt they totally ream you $$ wise if you did that? That sounds like a much worse plan than paying more upfront.

Btw, Im 30 (with 5years NCB, not counting any named) and paying EUR1100 on an Audi S8 (340bhp) and EUR400 on an 850CSi (380bhp) both arranged via First Ireland broker who use Chartis.

Henry Ford III

A good motor broker is the best bet.

The online and direct sales channels aren't able for non standard risks.

subway

travellers / insure.ie
e39 m5, 1700eu - 28 / no points or convictions / 3 yrs NCB (no claims just late to cars)


tis a right bollix

MidlandsM

grahambo wrote: »

Hi All
the quote is €1780.00 (Upfront) with a €4000 Excess

Also discovered over the weekend, that to rent an additional parking spot in the Apartment complex I am in, will cost €80 per month!!!! :mad::mad::mad:

Think I'm going to have to leave it.
shame really...

feck, thats €2740 just to insure and park yer car for a year. :eek:

Sorry to read this mang, not fair.

unkel

310BHP Porsche 4.7l V8 - €325 fully comp. But I'm old enough to be your da

4odh4n

evo's pretty much impossible to insure :mad:. i have an Evo III insured TPFT with little change out of €1800 with FBD, 29, 6years NCB, no points etc. only reason they give me a quote was i had house insurance and existing commercial policy already with them.
its has become a very very expensive hobby

ArphaRima

Am I at risk of losing my NCB?

YES! I think you lose it after 2 years. Be careful.

30yrs old; full licence, 8 yrs no claim, no points, Dublin. www.123.ie I got a quote of €860 fully comp for my 4.3L 2006 Aston Martin V8 Vantage. €790 with my father named.

It's not your criteria per se, but the specific car they have issue with. Keep ringing around. The internet wont do for this class of car. I mean ring literally everyone!

Sheeps

holy lol

Top Dog

grahambo wrote: »

I have been without a car now since November 2009. Previous to which I had 4 years NCB.
I have been a named driver on my Girlfriends car all this time.
Am I at risk of losing my NCB?

Not necessarily. Many companies (Aviva for definite) recognise named driver experience as well as own-policy. When we went to a 2-car family a few years back I got credited with 5 years NCB for being named on my then-girlfriends (now wife's) policy. After only 3 years in my own name I'd full NCB We're now back to 1-vehicle, but I'm confident enough that when the time comes they'll recognise my wife's being named on my policy for the last number of years.

liger

grahambo wrote: »

Hi All

Also:
I have been without a car now since November 2009. Previous to which I had 4 years NCB.
I have been a named driver on my Girlfriends car all this time.
Am I at risk of losing my NCB?
.

Yeah 2 years any your NCB is invalid with nearly everybody.

Top Dog wrote: »

Not necessarily. Many companies (Aviva for definite) recognise named driver experience as well as own-policy. When we went to a 2-car family a few years back I got credited with 5 years NCB for being named on my then-girlfriends (now wife's) policy. After only 3 years in my own name I'd full NCB We're now back to 1-vehicle, but I'm confident enough that when the time comes they'll recognise my wife's being named on my policy for the last number of years.

When i worked doing the insurance thing Named driver experience worked like this:

if your NDE was on an Aviva policy Aviva would grant up to 3 years NCB but if your NDE came from somewhere else they would only gave you a 1yr 10% NCB. Most of the companies i dealt with worked that way.

cplwhisper

Your earned ncb in own name good for 2yrs from cancelation, the n-drvr experience since is not always accepted when appplying for performance car - Changing mid-year from small car to sports car is probably no cheaper as the insurance company will know it gonna happen if they've declined you prior to setting up a poicy.

Make and Model will determine if the will quote you - All cars are in groups from 1-50. Jap Imports like Evo's & RS200 are higher grouped as you know they dont come without mods , were if you look to insure an Audi A4 Quatttro or Focus ST come with factory standards and dont need after-market DIY jobs - there is better chance of reasonable quote.

Doom

john.west wrote: »

Out of curiosity and not my intention to drag thread off topic either but would you mind telling me the broker you went through for RSA insurance. To cut a long story short I renewed my insurance this year with RSA insurance through a broker in Tralee. I'm very very satisfied with the premium and level of cover but not so with the broker (mentioning no names). They misplaced my NCB, only sent me my insurance policy a few days after it commenced even though I had sent in draft and NCB over two weeks before commencement date of policy and after me getting on the blower to them 2 or 3 times....not good enough in my opinion. I believe RSA only quote through brokers, hence it might be useful to me to have the name of another broker come renewal time next year.

RSA own 123.ie