Has anybody else's insurance premium gone way up in 2014?

Col200sx

Just got my renewal, last year I paid €272 TPFT on a Skoda Octavia vRS 1.8T.

So renewal comes through and they offer me it for €625 :eek:

That's €353 increase on last year.

10 years driving on a full Irish licence, full no claims, no penalty points, convictions etc.

Rang a few of other companies and also got some stupid prices, all TPFT quotes of €889, €550 and €417.

So has anybody else's insurance gone way up this year?

0ph0rce0

The Quinns must have bankrupted another company.

bazz26

You will probably have to put aside an hour or two, get out the golden pages and ring every insurance company and broker. PITA but it can pay off and save you money.

pricklefingers

I'm the same as OP, price increased €202 euros compared to last years quote with FBD..
Shopped around and got it for €80 cheaper with AIG (2 of us on policy) and also got a voucher for a free kids Dubs jersey !!

markc1184

When my quote came in in February it had gone up by the best part of €250. I had expected some sort of increase but not by that. Took a few phone calls but got it down to around about a €50 increase with the same benefits and add on I previously had, so I paid €565 fully comp on a Subaru Legacy B4.

maudgone

Mine dropped from €451 with AA Insurance last year, to €268 this year with AIG.

bear1

AXA tried stinging me last year when my renewal came. Originally it was 800e fully comp.
Renewal came and it was over 1k!
Rang around and got FBD for approx 500e. Rang AXA back and told them the same.
They then offered me just over 600e but couldn't explain to me why the hell they had done it in the first place.
That one phone call saved me over 500e. Ring around OP is the best thing to do.

Gazzmonkey

I was with 123.ie for the last few years paying about €400 per year for TPFT, but after getting a renewal quote of €680 I looked elsewhere.

Found a great quote from Liberty Insurance for €460 fully comp which 123.ie could not match, they didn't even come close.

Maybe try Liberty??? worked for me!

Regards

Alanstrainor

A lot of companies will up the prices on renewals because a lot of people are not willing to shop around. Being loyal to these companies is not in your interest, just shop around and hopefully you'll find a better deal without too much hassle.

MugMugs

Zurich and FBD were quite good to me this year.

anniehoo

Mine went up massively this year too with 123. Through this forum got a recommendation for 25plus.ie and got a brilliant quote.

Atlantic Dawn

Up about 10% on last year.

colm_mcm

Down 10%

The Diddakoi

Up from €280 last year to €345 this year with Aviva. Got a few online quotes, €320 being the lowest with its4women. Rang Aviva and asked why the big increase, and seeing as my husband has insurance with them too they matched last years quote. Well worth a phone call.

Gumbo

Yep. Mine has increased for circa €480ish to €550. But in fairness I drive a lot of different cars and have fully comp on all other cars that are not my own and they don't need to be insured by anybody else etc

robertxxx

Mine has gone up for the last two years. Maybe due to wife having no full license.

Jesus.

Got mine from 123 last week. Gone up over a ton

biko

Mine goes up every year, more or less.
I just switch to someone else and have managed to stay on the same level for many years doing this.

Couple old ones from me
http://www.boards.ie/vbulletin/showthread.php?t=2056174358
http://www.boards.ie/vbulletin/showthread.php?p=83227598

There is hope OP, just keep looking.

Rucking_Fetard

What lies are the reasons for the increases?

Jesus.

Just got an online quote from AA, fully comp. 373 for no-step back bonus protection and 413 with it.

What exactly is that step-back etc thing?

Also, I've always been fully comp but if you're driving a car that's worth feck all monetarily, would it be worth my while dropping down to third party and if so, can you get one of those policies where you can still drive other cars?

djimi

Jesus. wrote: »

Just got an online quote from AA, fully comp. 373 for no-step back bonus protection and 413 with it.

What exactly is that step-back etc thing?

Also, I've always been fully comp but if you're driving a car that's worth feck all monetarily, would it be worth my while dropping down to third party and if so, can you get one of those policies where you can still drive other cars?

Step back means that rather than losing your full NCB if you claim, you might only lose 1-2 years.

If you are happy to/can afford to walk away from the car then third party makes more sense. Some TP policies will have third party extension, others wont. Just be sure to check exactly what the policy is offering; things like windscreen cover, breakdown assistance also might not be included.

Jesus.

Cheers mate. Appreciate it

bazz26

jersman wrote: »

Hey,

If you let lowestquote.ie know what your quote is they might find a lower one for you.

Or let them name their lowest quote first and I will then tell them if they beat mine.

Jesus.

jersman wrote: »

Hey,If you let lowestquote.ie know what your quote is they might find a lower one for you.

How much do you have to pay them?

fl4pj4ck

535 -> 950 with 123.ie 5 years NCB, 1.6 Avensis
ditched them on the spot, and after signing up with AXA got an email with quote that was e7 lower than offered by AXA

Stoolbend

€424 last year. €386 this year with 123. That's without even ringing them.

adocholiday

Liberty Insurance increased mine by €240 this year. 6 years on Full licence, 6 years NCB and no penalty points or convictions and have been insured with Quinn/Liberty in all that time. 27 driving a 2002 BMW 318. Crazy increase. I'll be shopping around for sure.

Iseedeadpixels

Mine went down about 200 euro, just keep shopping around until you find a decent price.

jimgoose

Hah! I was with a broker for 14 years, and these past few years I've been alternately with RSA and Zurich. One year one of them would go mad and I'd swap to the other via the broker, the next year the other, and so forth. This year, they both went mad and the best the broker was able to do was €570, €200 more than last year. So I fcuked them all off and got it with AXA for €378, 42 years young, full-comp on a 3l Jag.

Jesus.

I don't see any point putting in a claim if your damaged/wrecked car is a banger and it meant losing your NCB.

Would anyone else agree with that?

Col200sx

To follow up on this......

Spent a while ringing up companies for quotes.

I've tried: AXA, Allianz, AIG, Aviva, 123.ie, Chill, Liberty, FBD, One Direct and Zurich.

The honour of most expensive quote goes to Liberty with a staggering €889 for TPFT :eek:

But surprisingly Aviva gave the lowest quote, with €355.

So even being a jump from €272 last year to €355, I'm happy enough considering original renewal was €625 from 123.ie and many on here saying all premiums have gone up.

01902

My renewal came through the post, rang them up to ask if that was defiantly the best price was told absolutely. Went on their website and got a quote e80 cheaper, rand them back, oh yes we can do it for that price. No nonsense.ie. The renewal was cheaper than last year though.

Bruthal

Jesus. wrote: »

I don't see any point putting in a claim if your damaged/wrecked car is a banger and it meant losing your NCB.

Would anyone else agree with that?

Im sure they would, but when you damage someone else`s car or property, it wont be your choice not to claim.

Bruthal

fl4pj4ck wrote: »

535 -> 950 with 123.ie 5 years NCB, 1.6 Avensis
ditched them on the spot, and after signing up with AXA got an email with quote that was e7 lower than offered by AXA

275 last year, 605 this year with them as well. Having a laugh they are.

bidiots

Col200sx wrote: »

To follow up on this......

Spent a while ringing up companies for quotes.

I've tried: AXA, Allianz, AIG, Aviva, 123.ie, Chill, Liberty, FBD, One Direct and Zurich.

The honour of most expensive quote goes to Liberty with a staggering €889 for TPFT :eek:

But surprisingly Aviva gave the lowest quote, with €355.

So even being a jump from €272 last year to €355, I'm happy enough considering original renewal was €625 from 123.ie and many on here saying all premiums have gone up.

AA might be worth a try, might work out cheaper to purchase membership+ins....

Jesus.

Bruthal wrote: »

Im sure they would, but when you damage someone else`s car or property, it wont be your choice not to claim.

That's why I said "your damaged or wrecked car"

Obviously not theirs

Jesus.

Lads, just went over from 123 to AA. The bloke said he wants the no claims bonus emailed to him and said that it should be on the renewal email I got from 123. I can't see anything about my no claims on 123's renewal email, just the cost of the new premium and how to contact them to pay it etc.

Should I just forward this email to AA and they get the no claims bonus details from it somehow? Is that what they actually want?

thomas anderson.

Jesus. wrote: »

Lads, just went over from 123 to AA. The bloke said he wants the no claims bonus emailed to him and said that it should be on the renewal email I got from 123. I can't see anything about my no claims on 123's renewal email, just the cost of the new premium and how to contact them to pay it etc.

Should I just forward this email to AA and they get the no claims bonus details from it somehow? Is that what they actually want?

Should be an attachment in the email with the new policy.

No claims is on the 4th page iirc

Bruthal

Jesus. wrote: »

Lads, just went over from 123 to AA. The bloke said he wants the no claims bonus emailed to him and said that it should be on the renewal email I got from 123. I can't see anything about my no claims on 123's renewal email, just the cost of the new premium and how to contact them to pay it etc.

Should I just forward this email to AA and they get the no claims bonus details from it somehow? Is that what they actually want?

I got a pdf attachment in their renewal invitation email.

The NCD details document was on page 5 of the pdf.

Jesus.

I can't see it lads. This is the email:

Your Car Insurance Is Due For Renewal
Dear Jesus,
This is just a quick reminder that your Car Insurance policy number XM7****** is due for renewal on
26 June 2014.
The cost of this is €479.95.
Remember your policy includes
24 Hour Breakdown Assistance and Step Back No Claims Discount protection.
Car Icon
Renew online and be in with a chance to win €1000
To renew your policy with 123.ie:
Mouse Icon Online
You can now renew in 3 easy steps simply by clicking here .
Alternatively:
Phone Icon By Phone
Call us on on 01 241 8519 Monday – Friday: 9am – 8pm, or Saturday: 9.30am – 6pm and pay with your debit or credit card or set up an instalment plan.
Mail Icon By Post
Pay your renewal by posting a cheque with your policy number (XM7*****) written on the back to 123.ie, Mountainview, Central Park, Leopardstown, Dublin 18.
Renew now to make sure you stay protected!

If you need any help just call one of our experts here in Leopardstown. And don’t forget to renew your policy as you won’t be covered after your renewal date unless we receive payment.

123.ie’s Car insurance is provided exclusively by RSA Insurance Ireland Limited.

All the best,

Orla Kelly


Directors: A. Holmes (Managing), P. Kierans

123 Money Ltd. trading as 123.ie is regulated by the Central Bank of Ireland
Postal Address: 123.ie, PO Box 12123, Dublin 18.
Registered Office: RSA House, Dundrum Town Centre, Sandyford Road, Dundrum, Dublin 16.
Registered in Ireland Number: 323099

This email is confidential and is intended exclusively for the person(s) named above. If it has been delivered to you by mistake, please notify the sender and then delete this email. If you are not the intended recipient or a representative of the intended recipient, you have received this email in error and must not copy, use or disclose the contents of this email to anybody else.

Bruthal

Email or call and ask them to send the no claims letter.

Jesus.

Will do. Cheers

Jesus.

PS I clicked on the renewal icon and a page came up with all my details along with this:

About Your Cover
Renewal Date:
26 Jun, 2014
Policy Number:
794*****
Policy:
Comprehensive Extra
Bonus Years:
6
Bonus Protection:
Step Back
Car Legal Assist:
No
Keycare:
No

Would forwarding that on be okay, no?

Cleveland Hot Pocket

Mine went up this year (renewal was on my Skoda) with Britton's insurance, up to €950 from €600 last year - and that was fully comp on an e60 535d. 50% increase from a 535d to a Skoda Superb? Ridiculous.

Got a quote of €680 from Liberty, called them and got it down to €608. Went with that.

Jesus.

What do you reckon Cleve? Is that thing above what they're looking for?

Cleveland Hot Pocket

Jesus. wrote: »

What do you reckon Cleve? Is that thing above what they're looking for?

In my experience insurance companies don't accept emails as proof of NCB. You get a cert of NCB with your renewal offer and in my experience this letter is all the other companies will accept.

Jesus.

He said all he wanted was the email and 123 don't post out renewal letters (at least they never have to me), just emails.

bazz26

If you didn't get a hard copy of your NCB schedule in the post then it maybe attached to the email usually in the shape of a .PDF file. I'd imagine that they will want a copy of that .PDF file.

JohnCleary

Aviva renewal: 898

Rang them up, got it down to: 670

Quote from AIG: 599

Polietely told Aviva I won't be renewing. I'll keep shopping and ring a few brokers to see if I can get it down any further.

Jesus.

123 cost me 358 last year but went up to 480.

I've gone with AA this time for 414.

PlainP

Jesus. wrote: »

Lads, just went over from 123 to AA. The bloke said he wants the no claims bonus emailed to him and said that it should be on the renewal email I got from 123. I can't see anything about my no claims on 123's renewal email, just the cost of the new premium and how to contact them to pay it etc.

Should I just forward this email to AA and they get the no claims bonus details from it somehow? Is that what they actually want?

Just email 123 and get them to send you your NCB. That's what I did, just email this to your new insurance company with your driver licence scan and you'll be good to go.