Bullsheet insurance companies!

evo2000

Anyone else getting absolutely bull**** renewal quotes or quotes in general this year?

Im 25 driving a 1.6 ford focus... ive made no claims ever and on my 5th yr NCB never had a crash, no penalty points, full Irish driving license ect

Last year my insurance for a full year was 600 euros, this years quotes tho are laughable, my renewal came in with FBD 1200, Quotes with Axa 1300, 123.ie 2100 euros

The woman with the mustache in insurance place told me insurance has " went up a little bit alright"! im baffled by this! my insurance has doubled for no reason what so ever!

Chiorino

It's been fairly widely circulated that insurance costs are on the rise across the board due to losses, increased claims, etc. See this thread which might explain a bit more http://www.boards.ie/vbulletin/showthread.php?t=2057356381

anncoates

evo2000 wrote: »

The woman with the mustache in insurance place!

Always good to have all the vital background information as regard the decision.

The Diabolical Monocle

yes OP same sort of thing here - they gave me some ridiculous renewal quote so I called up and said wtf and they said fair enough, heard of it happening to others too. Must be this years awesome new managerial concept.

Son Of A Vidic

evo2000 wrote: »

Anyone else getting absolutely bull**** renewal quotes or quotes in general this year?

I changed insurer because of this nonsense. I have a NCB for 10+ years and I was with my old insurer for 5 years. Last summer when they gave me a renewal quote, they basically added 40% to the cost of the policy. So I swiftly found a much cheaper quote elsewhere and told my old insurer to get lost.

Shiraz 4.99

My sister hasn't switched her provider in 20 years, still with FBD cause the father was, whatever quote they send out she just pays it without query.
Last year she paid €620 to insure a 1 litre Toyota Yaris & she's never made a claim.

My wife, who's had 3 claims against her in the past 10 years pays €330 with Aviva on a Mondeo.

KungPao

My car insurance was a reasonable €0, this year.

Just one of the little bonuses of not being a possessor of an automobile.

Hoop66

I changed ours as I had to insure the family car in the wife's name otherwise her NCB would have expired. Last year fully comp on a C-Max was 330, this year it was 345. I can live with that.

700 to insure my MX5 on the other hand...

OneArt

Oh... So no one's going to insurance my cows' bedclothes?

Sake.

recyclebin

My renewal was up 50%

Shopped around and the best I could get was a 33% increase on last year.

evo2000

Shiraz 4.99 wrote: »

My sister hasn't switched her provider in 20 years, still with FBD cause the father was, whatever quote they send out she just pays it without query.
Last year she paid €620 to insure a 1 litre Toyota Yaris & she's never made a claim.

My wife, who's had 3 claims against her in the past 10 years pays €330 with Aviva on a Mondeo.

Thats crazy.. haha yaris must be high risk these days!

ShadowHearth

I am afraid of renewal this year. They increased it last year and I had to take it in as no one else wants to insure my car... This year I am pretty much Liberties Bitch.

evo2000

Any good sites for cheap insurance ? ive tried fbd axa 123.ie chill and aviva no joy each ones as bad as the next also anyone ever go to brokers ? is there much to be saved going to them?

Galwayguy35

evo2000 wrote: »

Anyone else getting absolutely bull**** renewal quotes or quotes in general this year?

Im 25 driving a 1.6 ford focus... ive made no claims ever and on my 5th yr NCB never had a crash, no penalty points, full Irish driving license ect

Last year my insurance for a full year was 600 euros, this years quotes tho are laughable, my renewal came in with FBD 1200, Quotes with Axa 1300, 123.ie 2100 euros

The woman with the mustache in insurance place told me insurance has " went up a little bit alright"! im baffled by this! my insurance has doubled for no reason what so ever!

Try a broker, they might get you a better deal.

It worked for me, €430 fully comp on a 1.9

smash

Car insurance is laughable sometimes. Must be to do with where you live or something. I pay €450 on an RX8. Most I ever paid was 1100 on my V6 Alfa, and that included a fee for modifications.

somuj

Britons in Donegal always seem to get me a very cheap quote. They are a broker.

ytpe2r5bxkn0c1

My renewal arrived yesterday. €22 less than last year.

Dayum

I don't have insurance.

Waste of money.

joe swanson

Better spendin a little extra. Theres a certain company all over the tv at the moment who will try anything to get out of paying a claim, and if u read the t and cs , I'm not sure if they cover anythin at all!

evo2000

joe swanson wrote: »

Better spendin a little extra. Theres a certain company all over the tv at the moment who will try anything to get out of paying a claim, and if u read the t and cs , I'm not sure if they cover anythin at all!

Compared to 1200 my current one is lookin for, if they said 200 euro for abit of paper on the window at this stage id take my chances

evo2000

theres hope yet tho... one direct are lookin for 875, lol gettin closer!

PizzamanIRL

KungPao wrote: »

My car insurance was a reasonable €0, this year.

Just one of the little bonuses of not being a possessor of an automobile.

Followed by many negatives.

lertsnim

Liberty tried this ****e with me too. I went elsewhere and saved €200.

PrettyBoy

My insurance went up by around €100 this year, first time it's gone up in the 8 years I've been driving. Said I'd shop around a bit and see if anyone would cover me for less but forgot about it. Seems there's a few of us in the same boat.

Turtyturd

Had the same sh*te with FBD during the summer, wanted to almost double the fee and would automatically renew it to make things easy for me. Made up a figure and said another company had quoted me that and would renew it if they matched, wouldn't do it so I told them not to renew it. Luckily 123 quoted even less than my imaginary figure.

Similar happened to someone I know and they highlighted it on twitter and were bombarded with tweets offering to look into it.

Wibbs

One bit I don't get is the "do you have a car alarm" section. It makes not one bit of a difference if you say yay or nay. Which in my humble is daft(and very much not the case in the UK). I'll give you the bloody keys to my car and after you've worked out how to start it, if you get more than half a mile up the road before it conks out you're welcome to it. Basically you're gonna need a towtruck to take it and even then the alarm* will be going apeshít while you try(and cutting the battery power won't stop it). I've done my part, yet I get the same quote as some guy who relies on the basic manufacturers security(which is more and more easily bypassed).







*not just siren, but also the car horn, which I have noted actually gets attention, way more than the siren

Aongus Von Bismarck

The big insurance houses are loading at the moment. None of the major players are breaking rank. They are trying to make themselves more attractive for long-term investment. Insurance is a funny game.

The result is higher premiums. It won't change today or tomorrow. I always find it funny that folk are out marching on the street over water charges when the bump in their insurance will heavily outweigh any charge Irish Water bring in.

Tearin It Up

I want a car, miss driving. But I don't miss the expense of owning a car.

m5ex9oqjawdg2i

Every single year the insurance companies do this to me. 30+, full license, driving a 1.8 TDCi Ford Focus, 8 years NCB and somehow my insurance went up by 700 euro last year. Same excuse every year too, "Premiums have gone up this year". I just shop around between a couple of companies and get a better quote.

KungPao

PizzamanIRL wrote: »

Followed by many negatives.

My jet pack gets me where I have to get.

No traffic either.

Can be a bit chilly and blowy up there though.

Tearin It Up

For the fun of it, I went and got an online quote for a polo, female in my 30s, full licence, 0 years no claims bonus. They quoted me €3094, installments would be €3300.

That's madness. When I learning on my provisional, my own car, it was €900 for the year, and that was when I was starting off. It went down to something ridiculous like €350 after 5 years. I don't think I will ever see that again.

What happened.

cork guitar player

wow, some of these quotes are mental
Me
1.8 volvo, 5 yr NCB,39, €325

PrettyBoy

Tearin It Up wrote: »

€3094...

0 years no claims bonus...

It went down to something ridiculous like €350 after 5 years. I don't think I will ever see that again...

What happened.

Did you make a claim?

Tearin It Up

PrettyBoy wrote: »

Did you make a claim?

No claim, got rid of my car, so 0 ncb

evo2000

Brokers seem to be the way to go, got my qoute of 600 thank ****!

Faith+1

6 years NCB, 1.2 Fiesta and my quote went up by 50 quid, not so bad after looking at other peoples quotes!

mr kr0nik

recyclebin wrote: »

My renewal was up 50%

Shopped around and the best I could get was a 33% increase on last year.

Best advice ever. Always be prepared to move and definitely shop around. I spent over an hour last time I renewed chipping away at them and it paid off.

evo2000

mr kr0nik wrote: »

Best advice ever. Always be prepared to move and definitely shop around. I spent over an hour last time I renewed chipping away at them and it paid off.

Went treckin around myself to get a good qoute the best places i got were

123.ie - 2100
Fbd - 1200
Axa - 1100
Munster group- 860
One Direct - 834
Broker - 630

goldenhoarde

mr kr0nik wrote: »

Best advice ever. Always be prepared to move and definitely shop around. I spent over an hour last time I renewed chipping away at them and it paid off.

The problem is that a lot of people don't and just pay up. :eek: Which is why year on year they keep at it.

When my wife's more than doubled to 900 (no claims or penalty points in the previous year!!!!) I got a few quotes and went back to them, they didn't want the business as when I said I had a quote for ~400 they offered me a quote of 775. Risk equalisation or something like that. They wanted to offload to other insurers certain profiles - how and why they choose is black magic methinks, so I said no thanks and jumped ship.

listermint

evo2000 wrote: »

Anyone else getting absolutely bull**** renewal quotes or quotes in general this year?

Im 25 driving a 1.6 ford focus... ive made no claims ever and on my 5th yr NCB never had a crash, no penalty points, full Irish driving license ect

Last year my insurance for a full year was 600 euros, this years quotes tho are laughable, my renewal came in with FBD 1200, Quotes with Axa 1300, 123.ie 2100 euros

The woman with the mustache in insurance place told me insurance has " went up a little bit alright"! im baffled by this! my insurance has doubled for no reason what so ever!

Try the brokers my man, Try the brokers. I literally phone about 15 Insurers and brokers every year without fail. My twenty minutes worth of time is certainly worth 100 Euro but mostly its been far more.

I recommend Arachas most recently doing good deals.

Insurance via Allianz last time i checked.


But the key here is to set a list and ring them all. (that doesnt mean phone 3) phone more. and dont just do it online.

VinLieger

Getting a reneweal with AA for 400, got AA road assist with them last year so will try and talk them into giving that free again if I take the 400 without crying

ZiabR

Dayum wrote: »

I don't have insurance.

Waste of money.

Nice mature way to look at it...

Mine is up this year but not by a huge amount. I will stay with Aviva for another year.

ofcork

This is the first year in 17 years driving mine went up getting it down to 362 fully comp on a 2L avensis.

Berserker

Just renewed mine recently and I got the same as last year. Was talking to the agent about the cost of it and he told me that it is probably going to go up by 20% again this year across the board.

b.harte

Car one 40+ male, full NCB, 20+ yrs full licence
1.9td octavia 276 including full bonus protection all the extras and I can drive any other car not in my own mane for short term without notice = 296 (up 20 from last year) (policy with RSA)
Car two, Main Driver as above + my wife as a named drive, who is just learning (learner permit <1yr, 0 NCB for her). 2.0 not turbo Subaru Forester AWD Automatic box <5200mile annum quoted 1160 on renewal by 123.ie rang around 641 with chill with full bonus protection and extras. (Policy with AXA)


Ring around!!

scanlanavia

15% hike here... so switched within 2 days wiiping out the hike... actually cheaper in fact... takiing advantage of new policy discount...

I feel sorry for the FBD insuree earlier e
with ridiculous quote having not switched ever.. that's exactly what happens if you don't shop around

yes this year's lame excuse for insurers was used before