Results for car insurance for Mk 1 Ford Focus with speeding penalty points

14ned

The missus collected a speeding fine last month, 3 points added to her as a named driver which knocked our car insurance with 123 (RSA) up from €370 this past year to €480 next year fully comp, which I thought a bit excessive, so I decided to look around despite that 123 had been consistently the cheapest for us for two years now.

We both have 5 years full Irish licence, 6 years no claims, no history of accidents nor any involvement with the law, not even a parking ticket till now. She's early thirties, I'm late thirties (yeah I took a while to bother passing the driving test). Car is a 1.4L year 2000 Mk 1 Ford Focus, yeah I know it turns 15 next year and some insurers will start loading on car age after that, tis a good car though, still gets 40mpg so I'm inclined to keep it for now.

I don't much like paying more than €400 for fully comp car insurance where the car is worth less than €1000, so I just spent all the hassle filling in all those web forms for many insurers where they ask you a ton of personal crap they really don't need for just a quote and I got this:

Zurich: Refused online quote

One Direct: Refused online quote

FBD: €569 (FBD really hate me for car insurance, they've always been crazy expensive since forever, weird because they are ultra low for home insurance, like nearly half anyone else for us)

123 (really RSA): €482 (with NCD protect and breakdown)

Aviva: €480

AXA: €429 (stepback NCD)

Chill: €444 (would quote TPFT only)

Liberty: €444 (would quote TPFT only)

Allianz: €347 (no stepback NCD no breakdown, with stepback + €7, with breakdown + €35, with NCD protect + €28)

AIG: €345 (with stepback NCD, no breakdown, with NCD protect + €30)


I tried toggling the 3 penalty points on and off and they made zero difference to premiums with Allianz and AIG, while they turned RSA from €401 to €480. That surprised me.

I'm keen on NCD protect given that NCD stepback would nearly double my premium (60% discount => 30% discount), so both Allianz and AIG actually are equal for me at €375 with NCD protect with a policy excess of €250. I'd like the breakdown given how old the car is, but for €35 I'll leave it, it's very rare we ever drive far from family help.

Kinda bummed my days of sub €350 car insurance are gone. I once got €290 with a 1L Nissan Micra a few years back before the economic collapse. I guess no longer is car insurance that cheap - they say our prices are in deflation, but you really wouldn't know it this year with insurance price rises!

Niall

Special Circumstances

Don't think you'll do much better unless you are of advanced age, diminishing faculties, and enjoy pulling out very slowly into the path of traffic with right of way.

To Elland Back

Go to a broker for a quote. They have access to insurers you would never find yourself. Also, I wouldn't bother with Comp on a vehicle worth less than €1,000

TwoShedsJackson

Pointless having fully comp on a car worth less than €1000, any repair you'd actually claim on the insurance will be more than the value of the car.

dr.fuzzenstein

Try nononsense, I have a cmax, myself and the missus insured, paying in the 300's. They might baulk at the car age, but if they quote they should be cheap enough.

14ned

TwoShedsJackson wrote: »

Pointless having fully comp on a car worth less than €1000, any repair you'd actually claim on the insurance will be more than the value of the car.

I'm not getting fully comp for insuring the car itself, I'm getting fully comp to insure against the loss of use of our primary car in a rural area where no car means no food, no money, no nothing. I'm not worried about an accident so much as someone ramming it when it's parked somewhere, and rural Ireland has far fewer working cameras to catch people compared to the cities (never happened to me, but is common enough).

If we had easy access to a second car or lived where there was a bus service, then absolutely yes I'd go TPFT. For the €40 extra for fully comp when we have a family income of about €20k a year and emergency funding for buying a new car suddenly takes time to raise during which we'd be stranded, it's worth it for me. Not having a car here is incredibly inconvenient, and taxis are min €30 to go anywhere each time.

Niall

14ned

dr.fuzzenstein wrote: »

Try nononsense, I have a cmax, myself and the missus insured, paying in the 300's. They might baulk at the car age, but if they quote they should be cheap enough.

Nononsense are really FBD, and gave me a similar quote. I really wish I knew why they hate me so much. Maybe my profession.

Niall

dr.fuzzenstein

14ned wrote: »

Nononsense are really FBD, and gave me a similar quote. I really wish I knew why they hate me so much. Maybe my profession.

Niall

Hard to say. Yes they are FBD, but I think my actual rate is €333 before extras, which is not bad.
But one of the rules of Irish car insurance is to sometimes pick out one random guy and quote him outrageous figure or refuse to quote at all.
That way they keep us on our toes.

As for fully comp vs TPFT, not worth it for the car, it is just as likely for the engine or gearbox to go (or even more Likely) than you wrapping it round a tree.
In that case, the bangernomics thread is the answer. You can always pick up a car for almost beer money. Fully Comp is there if you stand to lose 20k, not a few hundred.

To Elland Back

If you claim for €1,000 LESS policy excess, you will end up paying more than that in the medium term, protected bonus or not