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Insurance Quote - am I missing any benefits?

  • 17-06-2011 3:51pm
    #1
    Eoin
    Registered Users, Registered Users 2 Posts: 21,263 ✭✭✭✭


    Just did a lot of shopping around for my insurance renewal, and bestquote.ie have given me a pretty competitive quote. It looks like it has all the stuff I should be looking for, unless I've missed anything?
    This is for Comprehensive cover, and includes the following:
    • Unlimited Windscreen Cover
    • 24-hour Roadside Assistance
    • €350.00 excess
    • Full Bonus Protection allowing 2 unlimited claims in 3 years and No Claims Bonus wouldn’t be affected
    • Policyholder has Comprehensive driving of other cars up to a 2.5litre and maximum value €50000.

    I don't have my current policy to hand to compare it to.


Comments

  • #2
    flyingsnail
    Registered Users, Registered Users 2 Posts: 2,777 ✭✭✭flyingsnail


    Courtesy car cover, particularly if you rely on your car to get to and from work.
    Depending on what you want you might also look at legal expenses, personal injury cover, replacement key cover and open drive for other people driving your car.


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


    Thanks for that - I'll check if that's in my current policy.


  • #4
    alexmcred
    Closed Accounts Posts: 2,487 ✭✭✭alexmcred


    Also check to see if they charge if you have to do a temp transfer or change any policy details


  • #5
    johnos1984
    Closed Accounts Posts: 6,096 ✭✭✭johnos1984


    Legal expenses cover

    VERY IMPORTANT and worth it if you need it
    I bought a good policy with the AA yesterday so check them out. Cheapest I could get even though I had to pay extra for AA breakdown assist


  • #6
    -Corkie-
    Closed Accounts Posts: 10,025 ✭✭✭✭-Corkie-


    johnos1984 wrote: »
    Legal expenses cover

    VERY IMPORTANT and worth it if you need it
    I bought a good policy with the AA yesterday so check them out. Cheapest I could get even though I had to pay extra for AA breakdown assist

    I was going to say that but I think Bestquote include that as standard in the price. We had it last year and it came in very handy...


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


    That's great info, thanks a mil. Just got a quote from the AA; they're not bad value either.

    I really need to follow my own advice from every other insurance thread and just ring them all up one by one.

    Off topic - just worked out that my premium is exactly 16% of what I was paying on a 1.1 car 11 years ago!


  • #8
    johnos1984
    Closed Accounts Posts: 6,096 ✭✭✭johnos1984


    Eoin wrote: »
    That's great info, thanks a mil. Just got a quote from the AA; they're not bad value either.
    Did you call them?

    I found they could be bargained with.....

    I got them to drop the quote by 100e and then I purchased breakdown assist for 81e;)


  • #9
    Eoin
    Registered Users, Registered Users 2 Posts: 21,263 ✭✭✭✭Eoin


    Nope, just did it now online - I will ring around properly next week; just wanted to have a complete list of all the benefits I should be looking for.


  • #10
    johnos1984
    Closed Accounts Posts: 6,096 ✭✭✭johnos1984


    Eoin wrote: »
    Nope, just did it now online - I will ring around properly next week; just wanted to have a complete list of all the benefits I should be looking for.
    Don't forget to try some brokers.

    It was the AA who bet mine but everyone else was more expensive


  • #11
    Eoin
    Registered Users, Registered Users 2 Posts: 21,263 ✭✭✭✭Eoin


    Absolutely - well worth taking an hour or two to do the rounds!


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  • #12
    Eoin
    Registered Users, Registered Users 2 Posts: 21,263 ✭✭✭✭Eoin


    Thanks all for the suggestions - I got the booklet with all the details, and the new policy covers the personal injury, legal cover, courtesy car etc.

    The differences between it and my current policy is that my cover on other peoples cars will now be fully comp (not just 3rd party). I still have a two claim limit in a two year period before I lose my NCB, but it's not capped this time.


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