Fully comp car insurance on toyota yaris 2001

horsebox7

Hi. Like many my premium increased from €330 to €395 this year with RSA. I did a little bit of looking around but as of yet have not found a better quote even with no nonsense and chill. I have over 10 years driving experience with no claims or penalty points. Anyone any advice? I am a male driver btw.

Special Circumstances

If your car was the same age next year, it's likely they would want nearly 500 (source - news articles, indo, examiner, on another 20% to be added next year).
As your car will be another year older - guesstimate 600+?

I doubt TPFT will be much cheaper than Comp tbh.

Alanstrainor

Special Circumstances wrote: »

If your car was the same age next year, it's likely they would want nearly 500 (source - news articles, indo, examiner, on another 20% to be added next year).
As your car will be another year older - guesstimate 600+?

I doubt TPFT will be much cheaper than Comp tbh.

Yeah, I'd wager you're not going to find much better OP. And not much point in dropping to TPFT either, as I can't see much of a saving there.

Notch000

try 123.ie, I always got the best quotes off of them

Special Circumstances

Notch000 wrote: »

try 123.ie, I always got the best quotes off of them

As did I for many years, but they have almost doubled their price for me when I checked recently. :rolleyes:

freshpopcorn

Your best bet in my opinion is to ring insurance brokers brokers than trying online in my opinion I know a couple who got a good quote off AXA this year for a 1999 car.

ronan45

Huh...
I assumed as your car became older and thus cheaper to replace in the event of a bang... your insurance would come down also???

pippip

ronan45 wrote: »

Huh...
I assumed as your car became older and thus cheaper to replace in the event of a bang... your insurance would come down also???

The claim by insurers is the older your car the less it can protect you compared to newer cars. Thus in a crash the newer the car, hopefully the less injured you are and less medical bills for them to pay out.

bazz26

ronan45 wrote: »

Huh...
I assumed as your car became older and thus cheaper to replace in the event of a bang... your insurance would come down also???

It is a common misunderstanding for people to think that the cost of replacing their own car is the only cost an insurance has to pay out. What about the other car you hit or the other person's injuries, legal and medical costs? Insurance covers what you hit as well not just what you hit it with.

Special Circumstances

bazz26 wrote: »

It is a common misunderstanding for people to think that the cost of replacing their own car is the only cost an insurance has to pay out. What about the other car you hit or the other person's injuries, legal and medical costs? Insurance covers what you hit as well not just what you hit it with.

In fairness though, you'd assume that particular theoretical payout is the same for a 15year old yaris versus a younger version of the same model... so all things considered your total payout (3rd parties + insured party's own loss) will be less for the older car. Not by much admittedly, as 3rd party payout will dominate but...

bazz26

Special Circumstances wrote: »

In fairness though, you'd assume that particular theoretical payout is the same for a 15year old yaris versus a younger version of the same model... so all things considered your total payout (3rd parties + insured party's own loss) will be less for the older car. Not by much admittedly, as 3rd party payout will dominate but...

To the third party perhaps but maybe not the insured OP as a Mk2 Yaris would considered "safer" by insurance companies than a Mk1. Risk equation is about trying to covering all angles.

Special Circumstances

bazz26 wrote: »

To the third party perhaps but maybe not the insured OP as a Mk2 Yaris would considered "safer" by insurance companies than a Mk1. Risk equation is about trying to covering all angles.

I meant a younger version of the same model - ie in the real world (not Planet Insuron) the OPs car has really not gotten any more destructive / less protective in the last year.

So, the payout amount for third parties for a 14yr old yaris is the same as a 15year old Yaris. (Again, I'm assuming any accidents happen in this universe, on this planet)
And the payout to the OP is less.

So I think ronan45 is quite entitled to be a little confused . The real answer is that Third party payout amounts have not increased due to the aging of the OPs car, but apparently the risk of a payout has increased.

By insurance logic it is now almost a certainty that it will cause a crash this year or next as it heading for the magical 15year old threshold which makes no difference in other countries.:)

shers100

Got my renewal from aviva 03 Focus 1.4(no penalty points, no claims ever, 10 years full licence)jumped from 280 to 500...after negotiations they came down to 475. That's a leap of 80%. Rang around and cheapest is around 425. Can understand a leap of 20 30 percent but this is crazy.

Special Circumstances

shers100 wrote: »

Got my renewal from aviva 03 Focus 1.4(no penalty points, no claims ever, 10 years full licence)jumped from 280 to 500...after negotiations they came down to 475. That's a leap of 80%. Rang around and cheapest is around 425. Can understand a leap of 20 30 percent but this is crazy.

You have been living way beyond your means lad. Never forget, you owe these people* a better standard of living than your own.

*middle management and up. I have nothing but pity for the battery hens in their headsets.

To Elland Back

Special Circumstances wrote: »

You have been living way beyond your means lad. Never forget, you owe these people* a better standard of living than your own.

*middle management and up. I have nothing but pity for the battery hens in their headsets.

Seriously offensive comment. 'Battery hens' how are ye. You continually prove you do not understand the industry.Tell me what you think is a reasonable PAYE wage for a qualified professional? There is no doubt that the CEO and fellow directors of ANY private business can take home big bucks, but I have been in this business for 35 years and the vast majority do a hard job for the average industrial wage.

The 'battery hen' does not decide premiums, acceptance terms, or split the caviar on a Friday evening. They pay taxes, worry about the cost of living AND pay insurance themselves. The system doesn't work but the insurance companies and ESPECIALLY their staff are not the root of the problem

Pov06

To Elland Back wrote: »

Seriously offensive comment. 'Battery hens' how are ye. You continually prove you do not understand the industry.Tell me what you think is a reasonable PAYE wage for a qualified professional? There is no doubt that the CEO and fellow directors of ANY private business can take home big bucks, but I have been in this business for 35 years and the vast majority do a hard job for the average industrial wage.

The 'battery hen' does not decide premiums, acceptance terms, or split the caviar on a Friday evening. They pay taxes, worry about the cost of living AND pay insurance themselves. The system doesn't work but the insurance companies and ESPECIALLY their staff are not the root of the problem

Yes but at the end of the day people get points and cash fines from Gardai as a penalty for committing motor offences.

Why should insurance companies be able to penalise the driver AGAIN? Offences such as speeding don't make insurance companies poor because there was no crashes/claims.

To Elland Back

Pov06 wrote: »

Yes but at the end of the day people get points and cash fines from Gardai as a penalty for committing motor offences.

Why should insurance companies be able to penalise the driver AGAIN? Offences such as speeding don't make insurance companies poor because there was no crashes/claims.

Insurance companies don't give a flying fig what the Government rakes in as revenue from errant drivers. They are, however, more than happy to utilise the system that the Government adopts to identify those that obey the rules of the road and those that don't (risk differentiation)

Special Circumstances

To Elland Back wrote: »

Seriously offensive comment. 'Battery hens' how are ye. You continually prove you do not understand the industry...

Go on then, what new misunderstanding have I added? Try reading my posts properly first, I think you have a problem understanding English.

To Elland Back wrote: »

The 'battery hen' does not decide premiums, acceptance terms, or split the caviar on a Friday evening. They pay taxes, worry about the cost of living AND pay insurance themselves. The system doesn't work but the insurance companies and ESPECIALLY their staff are not the root of the problem

Any beef I have with the insurance industry was quite clearly* directed at the grades who don't sit around in cramped conditions in the one spot all day with the constant hubbub of noise of their fellows in the background and with only one purpose, crank out that product.

*I even used an asterisk to point out that it was the fat cats I have issue with, and that I had sympathy/pity for those facing the public.

ronan45

shers100 wrote: »

Got my renewal from aviva 03 Focus 1.4(no penalty points, no claims ever, 10 years full licence)jumped from 280 to 500...after negotiations they came down to 475. That's a leap of 80%. Rang around and cheapest is around 425. Can understand a leap of 20 30 percent but this is crazy.

Emmm Am i the only person whose premium actually came down this year ... albeit 10 euro ...same car....same no claims.............. same zero points....actually nothing has changed absolutly nothing.......

To Elland Back

Special Circumstances wrote: »

Go on then, what new misunderstanding have I added? Try reading my posts properly first, I think you have a problem understanding English.



Any beef I have with the insurance industry was quite clearly* directed at the grades who don't sit around in cramped conditions in the one spot all day with the constant hubbub of noise of their fellows in the background and with only one purpose, crank out that product.

*I even used an asterisk to point out that it was the fat cats I have issue with, and that I had sympathy/pity for those facing the public.

I have followed your posts for some time now. I get it, you are rightly aggrieved for having to pay higher premiums, we all are. But your concept that it is all down to insurance companies is just wrong, I can't explain it any clearer than that. By referencing 'battery hens' you compound that by describing qualified professionals as no more than mindless slaves carrying out their master's bidding. Vent if you have to, but I can assure you that the vast majority of insurance employees know what is going on in this country and do their best to provide the best cover and service they can

shers100

From the explanation I was given it all depends on your starting point. Last years price was €280 which is the minimum premium Aviva offer. My partner got an offer that matched this in March. It appears that basement rates are now gone and those who availed of them are the ones to get the large 60% 70% 80% hikes as that price was "unsustainable". If one had been paying 400+ the jump would/could be negligible. Please don't say that your paying a rate in the €200s

Special Circumstances

To Elland Back wrote: »

By referencing 'battery hens' you compound that by describing qualified professionals as no more than mindless slaves carrying out their master's bidding.

The battery hens I refer to are call centre workers working off a script and they have little autonomy to decide anything on the calls.

They have a tough job dealing with the public. I respect anyone who can remain polite and professional in that environment. But I find it offensive that you would deny that they are treated like battery hens. Foosball and jellybeans anytime they feel like it is it????

For all the industry experts willing to point out that us stoopid non industry people just don't understand, today was the first time I heard the fact that a cap was lifted on payouts in the court system last year. If anyone of ye had pointed that out rather than labelling all 15yr old car drivers crooks and fraudsters...

To Elland Back

Special Circumstances wrote: »

, today was the first time I heard .........

So you admit to being uninformed on a subject you continue to post on

Special Circumstances

To Elland Back wrote: »

So you admit to being uninformed on a subject you continue to post on

I'm implying ye don't know any better than we do for all yer huffing and puffing. Was that not obvious to you?

horsebox7

Thanks eveyone. The cheapest quote I got is from 25plus.ie and also its forwomen.ie. Dont be put off by the name of the company they cant discriminate on gender and provide competitive quotes for male drivers too

Special Circumstances

horsebox7 wrote: »

Thanks eveyone. The cheapest quote I got is from 25plus.ie and also its forwomen.ie. Dont be put off by the name of the company they cant discriminate on gender and provide competitive quotes for male drivers too

They look like they are the same company to me. Few euros of a difference for some reason. But yeah, they are good at the moment.

ironclaw

Like many my premium increased from €330 to €395 this year with RSA

That's 17c for every day of the year? A 1c increase in petrol prices would be a 40c rise in the cost of filling a Yaris. Maybe I'm missing someting but I never understood how people can't see that you have to view motoring in 100's, not 10's. Its an expensive game to be in.

horsebox7

I rang AIG to get a quote but they wouldnt quote me as I told them my car is only worth €1000. They said it needs to be worth at least €1500 for them to give me a quote. I said fair enough out it in as €500 but they said no because I said initially it was €1000 .

I also rang AVIVA who wouldnt quote me as the car is over 13 years old. its a 01 reg.

Special Circumstances

Gonna be a lotta cash-strapped people with cars worth scrap value only despite the cars being perfectly roadworthy and the driver having a clean driving history going back years. But slimebags gotta get their bonuses!