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motor insurance quote
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13-05-2013 8:34am#1
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Assuming the OP had windscreen cover, their renewal quote won't have been affected by the claim.
If only they honoured such things. My bmw was stolen back in 2010. Even though a theft is not supposed to affect your renewal, it did affect mine AND I had NCB protection in place.
My dad had w/screen cover on his car a few years ago and had to get a w/screen fixed (not replaced). His renewal went up without explanation. When he rang around, the other quotes were taking the w/screen claim into account, because it was still a claim, regardless of NCB not being affected.
As of right now, I am technically only 3 years claim free if I want to insure a second car with a certain well known insurer. They will take my full NCB on the first car, but will only mirror 3 of those years onto another car. It's all a bit complicated and made very little sense to me.
The drive other cars thing is well open to abuse and is not very clean, considering you are required to display a valid insurance disc for the vehicle in question. Sure, you might be insured to drive another car, but yu might also get fined for doing it, unless it has insurance attached to it already. Proud to be Irish
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If only they honoured such things. My bmw was stolen back in 2010. Even though a theft is not supposed to affect your renewal, it did affect mine AND I had NCB protection in place.
...I am pondering this too - I mean, who's to say whether,The drive other cars thing is well open to abuse and is not very clean, considering you are required to display a valid insurance disc for the vehicle in question. Sure, you might be insured to drive another car, but yu might also get fined for doing it, unless it has insurance attached to it already. Proud to be Irish
...I'm not sure that's correct. Yes, you are required to display a valid insurance disc that covers you to drive the car in question. However, that does not mean the details on the disc display the reg of that particular car.
Consider: you have DOV cover on your policy for your Main car (call it 00 D 1) that allows you to drive an Other car (say 99 D 99). So, the disc that covers you whilst driving 99 D 99 is in fact the one registered to your Main car 00 D 1. Ergo, displaying the disc with the detals 00 D 1 is legitimate. If queried, you can produce your Cert which will confirm it.
The only thing that a court or Garda will accept as proof of cover under the RTA is the Cert - not the disc. If you'e in doubt, try producing the disc instead of the Cert in a court.........
The key piece of information on disc is the policy number and dates of cover and the disc is merely a reference to the full covering Cert. The full Certificate itself needs to be read.Ode To The Motorist
“And my existence, while grotesque and incomprehensible to you, generates funds to the exchequer. You don't want to acknowledge that as truth because, deep down in places you don't talk about at the Green Party, you want me on that road, you need me on that road. We use words like freedom, enjoyment, sport and community. We use these words as the backbone of a life spent instilling those values in our families and loved ones. You use them as a punch line. I have neither the time nor the inclination to explain myself to a man who rises and sleeps under the tax revenue and the very freedom to spend it that I provide, and then questions the manner in which I provide it. I would rather you just said "thank you" and went on your way. Otherwise I suggest you pick up a bus pass and get the ********* ********* off the road”
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Try insure.ie, for the craic - ring them, easier to get the right details and ask them can they "do better" after they give you the lowest first quote.
I find its usually better ring for any of these quotes.
Just did: € 635 Ode To The Motorist
“And my existence, while grotesque and incomprehensible to you, generates funds to the exchequer. You don't want to acknowledge that as truth because, deep down in places you don't talk about at the Green Party, you want me on that road, you need me on that road. We use words like freedom, enjoyment, sport and community. We use these words as the backbone of a life spent instilling those values in our families and loved ones. You use them as a punch line. I have neither the time nor the inclination to explain myself to a man who rises and sleeps under the tax revenue and the very freedom to spend it that I provide, and then questions the manner in which I provide it. I would rather you just said "thank you" and went on your way. Otherwise I suggest you pick up a bus pass and get the ********* ********* off the road”
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That is fine and saucy, I would say. AXA seem to be like that - Mrs. Goose is with them, every year they try it on and every year she roars down the phone at them and gets the premium down by the most of €100.
I use a broker, which is probably a bit old-school of me, but what the hey... €376 for full comp (including full comp on when driving other cars) and Legal Costs and Personal Accident. 3-litre Jag, 41 years old. Me that is, not the car. This is with RSA. Back in 2010, the same RSA decided to jack up my premium by about half, so the broker sourced the same product from Zurich PLC for a much more sensible amount. The following year, Zurich go bananas and I'm back with RSA since. Go figure...
I have explained to my broker that I consider premium increases intolerable at this hour of my life, and that I expect it to be going noticeably down year-on-year, or there will be ructions.
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Fair play to you. Direct and to the point. I've made a twat of myself but no more. Going with 123 for €340 more perks with it. Never again will I stick to the one company
Fair play, and nice result.
Just looking at the basic info you gave in the first post I was thinking somewhere around €300 - €350 would be a reasonable quote. You could probably push that down a little with a few more calls, but whatever way you look at it, a near €230 saving makes for a good days work. 0 -
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Was renewing my insurance last week, got a quote from NoNonsense.ie on online, cheapest I could get €350, went to go ahead with it and they wont insure a 2002 Audi A6 diesel, seemingly their underwriter wont cover that car 34yr old male, no points, Full NCD, never had a claim
Had to go with 123.ie for €390, but it did include breakdown that NoNonsense didn't.0 -
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Was renewing my insurance last week, got a quote from NoNonsense.ie on online, cheapest I could get €350, went to go ahead with it and they wont insure a 2002 Audi A6 diesel, seemingly their underwriter wont cover that car 34yr old male, no points, Full NCD, never had a claim
Had to go with 123.ie for €390, but it did include breakdown that NoNonsense didn't.
I gave that NoNonsense crowd a bell a couple of years ago, out of curiosity. I can confirm that their name is a misnomer - they told me they don't quote on anything over 2.5 litres. 0 -
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I gave that NoNonsense crowd a bell a couple of years ago, out of curiosity. I can confirm that their name is a misnomer - they told me they don't quote on anything over 2.5 litres.
I'm with them on a 3 litre. You need 3 years NCB before they'll quote, at least this was the situation in Jan.0 -
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I got my insurance from Aviva last year. Fully comp, covers myself & himself, 1.6 petrol 2008 for EU480. I received my renewal quote this morning. EU1278 !!! I've rang several times today only to be told 'emmmm, sorry thats the best we can do'...I rang a broker, who came back with a quote from Allianz that includes Claimsafe for EU 460.... I did request that a manager ring me back from Aviva, he did, I missed the call, but am hold now waiting to see what the explanation is....
which broker?
I want a percent reduction like that 0 -
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