Is €661 good or bad for insurance?

the_syco

Hello all,

That time of the year again where I must look for insurance. It seems AA with €661 is the best for fully comp, with other charging all the way up to €1,300

I have a 2002 1.4L 5 door Saloon Honda Civic, I'm 30 year old male, and have had the full license since June this year, with 2 years no claims (when I was on provisional under my own name).

Have tried AXA, Quinn-Direct, FBD, insure.ie (I think 123.ie only do cars that are 2003 and newer), but all alot more expensive.

Any ideas?

Andrew33

the_syco wrote: »

Hello all,

That time of the year again where I must look for insurance. It seems AA with €661 is the best for fully comp, with other charging all the way up to €1,300

I have a 2002 1.4L 5 door Saloon Honda Civic, I'm 30 year old male, and have had the full license since June this year, with 2 years no claims (when I was on provisional under my own name).

Have tried AXA, Quinn-Direct, FBD, insure.ie (I think 123.ie only do cars that are 2003 and newer), but all alot more expensive.

Any ideas?

I think you've pretty much answered that yourself!
Sounds quite reasonable in the current climate with companies whacking up their premiums nearly on a daily basis.

Anan1

If you've shopped around properly and it's the best quote you can get for the cover you want then take it.

Woofstuff

Andrew33 wrote: »

I think you've pretty much answered that yourself!
Sounds quite reasonable in the current climate with companies whacking up their premiums nearly on a daily basis.

why are they whacking up prices?? I moved from 4 - 5 years no claims bonus, moved from 1.6litre petrol car to 1.1litre, price was the same i think!!!

Otis Driftwood

the_syco wrote: »

Hello all,

That time of the year again where I must look for insurance. It seems AA with €661 is the best for fully comp, with other charging all the way up to €1,300

I have a 2002 1.4L 5 door Saloon Honda Civic, I'm 30 year old male, and have had the full license since June this year, with 2 years no claims (when I was on provisional under my own name).

Have tried AXA, Quinn-Direct, FBD, insure.ie (I think 123.ie only do cars that are 2003 and newer), but all alot more expensive.

Any ideas?

TBH it does seem a tad on the high side considering you have hit the 30 year old threshold.Does that price with AA include breakdown assist as I know they dont give it as standard.Have you tried Chill.ie?

I work for them (not in the sales end of the company before anyone says anything :P ) and they frequently come in a good bit cheaper than the companies you have mentioned.Might not be any harm to give them a shout anyway or maybe check the website.

Wexfordian

Woofstuff wrote: »

why are they whacking up prices?? I moved from 4 - 5 years no claims bonus, moved from 1.6litre petrol car to 1.1litre, price was the same i think!!!

Because Insurance companies invest a proportion of premiums on the markets to make a return to pay claims (simplified but roughly). Markets taken a hammering the last few years, so premiums go up (other factors will apply).

Joey the lips

Can you increase your excess to lower the policy..... Just a thought.

ofcork

Have you tried no nonsense,i am paying 280 on a 1.6 avensis tpft with breakdown assist.

Woofstuff

Woofstuff wrote: »

why are they whacking up prices?? I moved from 4 - 5 years no claims bonus, moved from 1.6litre petrol car to 1.1litre, price was the same i think!!!

My insurance dropped from €500 to €300 this year.

bijapos

the_syco wrote: »

I have a 2002 1.4L 5 door Saloon Honda Civic, I'm 30 year old male, and have had the full license since June this year, with 2 years no claims (when I was on provisional under my own name).

Have tried AXA, Quinn-Direct, FBD, insure.ie (I think 123.ie only do cars that are 2003 and newer), but all alot more expensive.

€660 sounds fair enough to me tbh. Insurance companies dont always like men driving Civics, and though you are 30 you are only driving 6 months. The NCB on a provisional wouldn't count as much as you think, though it does help.

You could try a couple of independent brokers and see what they say. It costs no more than a few phone calls. My car and vans are all done through a broker and they were a lot cheaper than anyone else.

Andrew33

RoverJames wrote: »

My insurance dropped from €500 to €300 this year.

One of the few benefits of aging I suppose.

Andrew33

Andrew33 wrote: »

One of the few benefits of aging I suppose.

Yeah, was 30 when renewing, happy out

muppet01

Have you tried Chill.ie?.
I told my provider that they quoted 170 less than them last month and they matched it on the spot....

stimpson

Try Tescos. I was with the AA last year and they hiked me by €70. Tescos came in 150 cheaper with better cover. There was extra discount for having a club card and a Tesco Credit card.

TBH though you'll need to rack up a few years no claims to see a decent improvement.

bryaner

the_syco wrote: »

Hello all,

That time of the year again where I must look for insurance. It seems AA with €661 is the best for fully comp, with other charging all the way up to €1,300

I have a 2002 1.4L 5 door Saloon Honda Civic, I'm 30 year old male, and have had the full license since June this year, with 2 years no claims (when I was on provisional under my own name).

Have tried AXA, Quinn-Direct, FBD, insure.ie (I think 123.ie only do cars that are 2003 and newer), but all alot more expensive.

Any ideas?

I'm with 123 and my heap is 01..

DConway

Try quote devil- they're on the forum here too.

They were over 600 cheaper for my insurance this year!

sh1tstirrer

the_syco wrote: »

Hello all,

That time of the year again where I must look for insurance. It seems AA with €661 is the best for fully comp, with other charging all the way up to €1,300

I have a 2002 1.4L 5 door Saloon Honda Civic, I'm 30 year old male, and have had the full license since June this year, with 2 years no claims (when I was on provisional under my own name).

Have tried AXA, Quinn-Direct, FBD, insure.ie (I think 123.ie only do cars that are 2003 and newer), but all alot more expensive.

Any ideas?

Why do you have comprehensive insurance on a 02 car?

dudara

I've used insure.ie for the last few years and they've been quite helpful & gotten me good prices. Always worth trying a broker.

the_syco

sh1tstirrer wrote: »

Why do you have comprehensive insurance on a 02 car?

Last time I looked into it, it was cheaper to fix the car than buy a new one, so I picked comprehensive. In saying that, please give your opinion on the matter, as 3rd party does seem nice and cheap.

dudara wrote: »

I've used insure.ie for the last few years and they've been quite helpful & gotten me good prices. Always worth trying a broker.

Aye, with them atm. They're not bad, but looking around for something cheaper. It seems the full license gets me 50 less insurance...

Otis Driftwood wrote: »

Have you tried Chill.ie?

Chill.ie comprehensive - €694

=-=

nononsense - €447 before I enter my details, after, I get this bullsh|t:

You have no driving experience, either in your own name or as a named driver
Your car is a high performance or modified car
Your car is over 14 years old
Your car does not currently have a valid NCT certificate
Your license type or that of any additional drivers is not currently accepted for a quote
You are not actually the registered owner of car

It seems my 1.4L Civic is a "high performance car"... :pac:

=-=

Tesco - €327 After I enter in my details

Unfortunately due to the details you have provided, we cannot complete your quotation online.

=-=

Quote Devil - €643 with "XS Direct" or €731 with "Zurich - Motorstar". I don't think XS Direct are meant to be great, though.

stimpson

the_syco wrote: »

Tesco - €327 After I enter in my details

Unfortunately due to the details you have provided, we cannot complete your quotation online.

Ring them with the quotation reference. they may be able to do something for you.

the_syco

the_syco wrote: »

Last time I looked into it, it was cheaper to fix the car than buy a new one, so I picked comprehensive. In saying that, please give your opinion on the matter, as 3rd party does seem nice and cheap......................

You can fix a car that is insured 3rd party f&t too you know, if you claim your insurance will probably double, they'll recoup the cost of the claim on an 02 Civic in 3 to 4 years, you'll also probably be paying an excess of a couple of hundred too.

I've only ever been insured comp for a year and than was a company car, I've been driving on 3rd party private policies for the other 12 years, max value of an car I ever had was €5000.

If I had a car worth €5000+ now I'd probably go comp as with a full license for 10 years and full ncb the difference in price is small enough, if it was a couple of hundred on a cheap car no way would I consider going comp.

Nissan doctor

€600 odd sounds reasonable to me for a male on a high risk car(as opposed to a high performance car) with very little driving experience. Civics are one of the most stolen cars so will have a higher loading. It also depends on what area of what county you live in. Dublin city center will have a higher loading then rural leitrim for example.

Try putting a 02 VW golf 1.4 into the online quote things and see the difference.

Otis Driftwood

the_syco wrote: »

Last time I looked into it, it was cheaper to fix the car than buy a new one, so I picked comprehensive. In saying that, please give your opinion on the matter, as 3rd party does seem nice and cheap.


Aye, with them atm. They're not bad, but looking around for something cheaper. It seems the full license gets me 50 less insurance...


Chill.ie comprehensive - €694

=-=

nononsense - €447 before I enter my details, after, I get this bullsh|t:

It seems my 1.4L Civic is a "high performance car"... :pac:

=-=

Tesco - €327 After I enter in my details


=-=

Quote Devil - €643 with "XS Direct" or €731 with "Zurich - Motorstar". I don't think XS Direct are meant to be great, though.

Who is the chill quote with Syco?The majority of the compaines they use have breakdown assistance as standard with their comp policy.If the quote was on the website,ring them and give them a speil about having slightly cheaper prices elsewhere and they will likely match or beat the 661 from AA.

the_syco

Nissan doctor wrote: »

€600 odd sounds reasonable to me for a male on a high risk car(as opposed to a high performance car) with very little driving experience. Civics are one of the most stolen cars so will have a higher loading. It also depends on what area of what county you live in. Dublin city center will have a higher loading then rural leitrim for example.

Try putting a 02 VW golf 1.4 into the online quote things and see the difference.

I put in a 1.2L Polo and got 642 with AA. €18 cheaper with a lower litre car, but not that much of a difference. Location is Kildare.

d31b0y

First car, looking at quotes... BMW 318 coupe.
Quoted 1024 from the AA which seems to be the best offer I have gotten. No NCB, full licence held 1 month, only named driver experience before now. The next closest was no nonsense at about 1100.
Friend of mine got a great quote on Tesco after ringing them. They seem to be good if you have some NCB. Not so great for my quote though.
Tesco definitely worth a phone call...

Otis Driftwood

If you are getting quotes from Tesco be careful what you are getting.They have 3 separate types of comprehensive cover so a cheaper price may mean a lower level of cover.

Jimmy Bottlehead

stimpson wrote: »

Try Tescos. I was with the AA last year and they hiked me by €70. Tescos came in 150 cheaper with better cover. There was extra discount for having a club card and a Tesco Credit card.

TBH though you'll need to rack up a few years no claims to see a decent improvement.

I never understand why people refer to Tesco as 'Tescos'. I genuinely don't. I'm not having a go at you, mind, but just people who say that in general.

Wisesmurf

Nobody can tell you who is going to give you the best quote. Different companies may go for different sectors of the market. I don't think 650 is excessive considering you've very little driving experience and have a car that will be loaded.

The best thing to do is pick up the phone and spend the afternoon ringing everyone. Get you lowest 3 quotes at the end of it and ring them back trying to get them to knock a few quid of by playing them against each other.

I don't think you'll go markedly lower than 600. Next year you should get another good chunk off.

Nissan doctor

Jimmy Bottlehead wrote: »

I never understand why people refer to Tesco as 'Tescos'. I genuinely don't. I'm not having a go at you, mind, but just people who say that in general.

Like people saying Euros, its 1 Euro, 50 Euro, 1 million Euro, there is never an 's'
You even hear it on adds on the TV.


OT a little...

Jimmy Bottlehead

All you can do is ring everybody, but I'd agree, around €600 is as decent as you'll get, and it is a pretty good price considering the car and your NCB.

the_syco

stimpson wrote: »

Ring them with the quotation reference. they may be able to do something for you.

Seems I may have ticked the "no" option for "have you lived in Ireland for the last 3 years" box. Got a quote of €595 (value)/ €780 (standard)/ €893 (finest). From looking at what it includes, my current insurer Kenco does what the "finest" option.

RoverJames wrote: »

If I had a car worth €5000+ now I'd probably go comp as with a full license for 10 years and full ncb the difference in price is small enough, if it was a couple of hundred on a cheap car no way would I consider going comp.

It cost me €5000 when I bought it, and it'd cost me (according to carzone) about €3000/€4000 to buy one now.

Otis Driftwood wrote: »

Who is the chill quote with Syco?

Chill.ie comprehensive - €694 with XS Direct. Same quote as Quote Devil, actually. Exact same, actually.

Otis Driftwood wrote: »

If you are getting quotes from Tesco be careful what you are getting.They have 3 separate types of comprehensive cover so a cheaper price may mean a lower level of cover.

Yup. Their value package seems to be 3rd party with a higher price :pac:

Jimmy Bottlehead wrote: »

I never understand why people refer to Tesco as 'Tescos'. I genuinely don't. I'm not having a go at you, mind, but just people who say that in general.

I think it's something to do with how it's advertised on TV.

Wisesmurf wrote: »

The best thing to do is pick up the phone and spend the afternoon ringing everyone. Get you lowest 3 quotes at the end of it and ring them back trying to get them to knock a few quid of by playing them against each other.

Aye, I think I'll have to do this. A few have rang me, but there's a crap signal here in work, so I don't get to ring them back Will take a day off before my insurance runs out, and do it then.

Otis Driftwood

Id avoid that XS Direct policy like the plague mate,even if they were coming in significantly cheaper.The benefits are nearly non existent and there is an excess of €3000 on it.

Seems AA are stuck with you for the year!
:pac:

sh1tstirrer

Jimmy Bottlehead wrote: »

I never understand why people refer to Tesco as 'Tescos'. I genuinely don't. I'm not having a go at you, mind, but just people who say that in general.

Nissan doctor wrote: »

Like people saying Euros, its 1 Euro, 50 Euro, 1 million Euro, there is never an 's'
You even hear it on adds on the TV.


OT a little...

I don't understand it either. In Cork we have John A Wood but a lot of people call it Woodses. His surname is Wood the plural is Woods :mad:

I sent her a text. I texted her :rolleyes:

stimpson

Nissan doctor wrote: »

Like people saying Euros, its 1 Euro, 50 Euro, 1 million Euro, there is never an 's'
You even hear it on adds on the TV.


OT a little...

Stimpsons law in action... http://www.boards.ie/vbulletin/showpost.php?p=75295451&postcount=69 What is with grammar Nazis?

From the European Commission Translation Style Guide at http://ec.europa.eu/translation/writing/style_guides/english/style_guide_en.pdf

The euro. Like ‘pound’, ‘dollar’ or any other currency name in English, the word ‘euro’ is written in lower case with no initial capital. Where appropriate, it takes the plural ‘s’ (as does ‘cent’):

This book costs ten euros and fifty cents

Mr Benevolent

stimpson wrote: »

Stimpsons law in action... http://www.boards.ie/vbulletin/showpost.php?p=75295451&postcount=69 What is with grammar Nazis?

From the European Commission Translation Style Guide at http://ec.europa.eu/translation/writing/style_guides/english/style_guide_en.pdf

'Twenty Euro' sounds better than 'Twenty Euros'.

bikersteve123

insure.ie are the job got quoted with someone for 1900 on a first provisional 1.0lpolo and i got on to them and they quoted me 1650 bit of a drop for a 20 year old starter anyways

d31b0y

bikersteve123 wrote: »

insure.ie are the job got quoted with someone for 1900 on a first provisional 1.0lpolo and i got on to them and they quoted me 1650 bit of a drop for a 20 year old starter anyways

Just tried insure.ie and they quoted me €4500!

bikersteve123

GO FOR IT
BIT STEEP AINT IT