Advertisement
If you have a new account but are having problems posting or verifying your account, please email us on hello@boards.ie for help. Thanks :)
Hello all! Please ensure that you are posting a new thread or question in the appropriate forum. The Feedback forum is overwhelmed with questions that are having to be moved elsewhere. If you need help to verify your account contact hello@boards.ie
Hi there,
There is an issue with role permissions that is being worked on at the moment.
If you are having trouble with access or permissions on regional forums please post here to get access: https://www.boards.ie/discussion/2058365403/you-do-not-have-permission-for-that#latest

Car insurance - tell us your quotes/renewals

1101102104106107115

Comments

  • Registered Users, Registered Users 2 Posts: 1,495 ✭✭✭ALS


    Male 54 & wife inc

    17 Renault Kadjar 1.5Diesel

    9 years Ncb

    licence 1992

    0 points

    AIG comp deluxe policy €288

    through Getsetgo.ie includes €80 new customer discount



  • Registered Users, Registered Users 2 Posts: 117 ✭✭Clutchkick


    Lads, just curious to get a quote on a 13/14 GTI for a 28 y/o but having no look. There's always, or at least there was always some dodgy looking company/site no one's ever heard of who'll quote you on anything even if it costs an arm and a leg. been out of the fake quote game for a while, any suggestions?



  • Registered Users, Registered Users 2 Posts: 5,119 ✭✭✭job seeker


    I know this will sound like a lot of work, but try all or as many online quotes from this list.

    Shopping around is simply the only way!!



  • Registered Users, Registered Users 2 Posts: 5,119 ✭✭✭job seeker


    I went with Zurich in the end for 382.

    They offered it then for 355 when I called them today. I told them I had a quote from a different company for 350 (wink, wink) So they offered 343 which I accepted!

    Delighted with this quote!



  • Registered Users, Registered Users 2 Posts: 48 podgey1992


    Hello.

    29 Male

    2011 VW Golf 1.9 TDi

    NCB 7 Years

    Licence 7 years

    No points.

    1st Renewal Quote (Kennco) - 614

    Glennons asked me to add a named driver and got the quote down to 541, I then rang kennco telling them this, added a named driver, and they offered 535 which I went with. Would recommend Glennons for quotes in future, they were very good, but the bottom line is price and I went with the cheapest.

    Cheers.



  • Registered Users, Registered Users 2 Posts: 2,376 ✭✭✭jack of all


    My wife received her renewal from Aviva recently:

    Age: late 40s

    Claims-free- max. no claims bonus, full licence 25+ years, zero penalty points

    Car is a 2015 Skoda Octavia, comprehensive cover, social & domestic plus travel necessitated by her employment (public service) plus me as a named driver, with my own car covered under my own policy

    Quote was €502, up nearly €50 on last year's renewal- we have 3 policies with Aviva- 2 motor and 1 house insurance.

    Rang them up and did the usual, max they could offer was additional €15 off. Went online and entered details as a new customer, got a reference number, my wife rang them back and eventually got her cover as a new customer for €367, same cover, same benefits etc. Took an hour or so of our time but well worth the effort for the savings made. I know it's been said before but there is no reward for customer loyalty- we both have claims-free, penalty point-free driving history! After all the time spent on the phone, going over terms and answering all the questions I do wonder how people with a poor or chequered driving history get cover at all! sorry, rant over.



  • Posts: 133 ✭✭ [Deleted User]


    Wife got her renewal from i4w for 697.

    I checked their other site getsetgo offering her 630. But wouldn't let me buy. I gave them a call and they processed it.



  • Registered Users, Registered Users 2 Posts: 246 ✭✭floyd333


    Male 43

    2010 Octavia 1.9 TDi

    No Claims 10 + Years

    Licence 20 Years

    No Points

    Wife is named driver. She has 3 Points, No Claims

    I was with Zurick. Quoted 624.50

    Aviva 669

    BOI 578

    An Post 523

    AIG 479

    FBD 502

    I went with Allianz for 452



  • Registered Users, Registered Users 2 Posts: 916 ✭✭✭buzzerxx


    Male. 53.

    2018 range rover velar 2.0L.

    No claims in 32 years.

    Full licence 32 years.

    Chill insurance €2300 with a €3000 excess.

    Van insurance also since 1999.

    There is a gap of 3 years in my car insurance from 2018 to now as i had a van only so they put me on 0 years ncb even though I've been driving the van accident free. Not fair IMHO. Its me who earned the ncb not the van but they make no allowance for that.



  • Advertisement
  • Registered Users, Registered Users 2 Posts: 14,309 ✭✭✭✭wotzgoingon


    When I was reading the post I was like how is it so dear considering age and then I reached the bottom paragraph.



  • Registered Users Posts: 488 ✭✭septicsac


    2.0L 161 Skoda Superb Auto estate 150bhp

    47 yr old male

    Full Licence

    10yrs + No claims

    Fully comp, with limited business miles and indemnity.

    Renewal with AIG 345, down from 353 last year. Golfers policy, so 2000E insurance for clubs in car also.

    Hardly the promised reduction due to reduced claims, but still a good price, probably check out 2 or 3 other companies nut think it will be hard to beat.



  • Registered Users, Registered Users 2 Posts: 844 ✭✭✭bigboss1986


    Wife's renewal came in from AiG.

    35y,licence 10+,bonus 10+,3 points since last week(feckin van,she did 107/100)

    Megane 13 1.5,fully comp,glass,driving other cars,full bonus,me as named driver

    Last year 440.

    Renewal came at 385€ but when I rang AiG to add points to renewal price went to 480€(!!)

    Aviva came up cheapest:

    366€,fully comp,glass,step back,brakedown,me as named driver,3 penalty points added to policy.

    Difference with 3 points or 0 points was 17€ with Aviva.349€ would be with 0pts

    Other quotes:

    Axa 410

    Liberty 550

    123.ie 497



  • Registered Users, Registered Users 2 Posts: 12,744 ✭✭✭✭galwaytt


    My son just got his first car, first car insurance :

    18 years old

    2008 Astra 1.4 Petrol

    On 1st Learner Permit

    0 years driving in a car, but 2yrs and 2yrs NCB on a motorbike - I'll get to that later....

    Axa: €2,540

    Liberty: €4,700

    AA: €3,300

    Chill: €3,400 - 3,900

    123Go : €2,482 with tracker

    Zurich: No Quote

    Allianz: No Quote

    Aviva:No Quote

    I'm kinda annoyed at Liberty though: despite being with them 2 years on a motorbike, having a full bike licence, and advanced assessments as well, they made no effort at all. On top of which I'm with Liberty on my car, and my daughter is with Liberty on her car as well. So much for 'loyalty'.

    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” 



  • Registered Users, Registered Users 2 Posts: 9,801 ✭✭✭CoBo55


    All my children started with AXA nobody else were interested as you can see.



  • Registered Users, Registered Users 2 Posts: 3,658 ✭✭✭Wildly Boaring


    Male 39, Leon FR diesel

    Comp plus class 1, no voluntary excess.


    Last year AIG €550

    Renewal AIG €520

    AIG Website 3 weeks ago €467

    AIG Website today €404 - We have a winner

    All the rest......

    Zurich - Wouldn't quote

    Geet set go €450

    Chill €493

    Kennco €470

    Axa €623

    FBD €715

    Allianz €491

    Supervalu €650

    123 €493

    Aviva €718

    AA €555



    Some of them obviously don't like the Class 1

    AIG are odd. Renewals guy rang me. Told me he could do nothing over the phone and to go with the online ones from them.

    My mileage has dropped from last year, WFH 2 or 3 days now and was fulltime out and about so he could have gone in and adjusted mileage.......not allowed??



  • Advertisement
  • Registered Users, Registered Users 2 Posts: 11,396 ✭✭✭✭Timmaay


    Your eircode makes a huge change for AXA, I put in the wrong eircode for a 19yr friend I was getting a quote for, 2300 with a full license but almost no experience on a 1.6 a3, the address was a much posher area but apartments, when I put in his actual address, 1360e!



  • Registered Users, Registered Users 2 Posts: 1,095 ✭✭✭rn


    Female, 41, 20 years driving experience. No claims

    162 Skoda Octavia 1.6 90bhp

    She used to be on a company car so no existing personal policy.

    After securing letter from company insurer(a nightmare process in itself, took over 6 weeks) best quote is allianz at €420.

    Not bad, but hassle.

    Best quote without any no claims was Zurich at 998.



  • Registered Users, Registered Users 2 Posts: 1,095 ✭✭✭rn


    Male, 41, 20 years driving. No claims, no points

    Vw tiguan 2.0 tdi 150 BHP.

    Renewal was 498 with glennons via allianz

    Allianz directly 448 as a new customer

    It's for women (top comprehensive package they have, with all options added) 303

    Chill insurance 380

    After calling glennons, new quote was 378. Went with that as there's a lower excess than others and full comp insurance on driving other cars.

    Definitely worth shopping round.



  • Registered Users, Registered Users 2 Posts: 1,996 ✭✭✭Large bottle small glass


    46 Male, claims free and full licence for over 20 yrs.

    17 Superb estate 2.0D

    Aviva last year were 422, with a renewal quote of 482.

    123 were similar price but with €75 new business discount and a bit of haggling got FBD for €389.

    Fully comp on driving other cars included along with breakdown and stepback cover.

    Claims are down, expected pay outs should be down, premiums should be down to



  • Registered Users, Registered Users 2 Posts: 3,817 ✭✭✭Darc19


    I would have gone to either the insurer you had the van with or the insurer you previously had car insurance with and made a representation. I assume that in 2018 you had both a commercial policy and a car policy and full NCB built up on both?

    I had similar, but in reverse. I had full car ncb and full commercial ncb, but then ditched the van as I didn't need it. Then early last year I needed one again and it was near 3 years since my previous van insurance lapsed. Axa asked me to email the details and they came back and gave me a quote with full ncb of €440 for a transit.


    Chill are a broker and tend not to have as much interest as a direct employee



  • Advertisement
  • Registered Users, Registered Users 2 Posts: 12,744 ✭✭✭✭galwaytt


    a broker would have been able to get your NCB mirrored over and give you the benefit of it.

    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” 



  • Registered Users Posts: 488 ✭✭septicsac


    No one could touch renewal price of 345 Fully comp inc driving for employer and NCB protection. AIG Golfers insurance.



  • Registered Users, Registered Users 2 Posts: 916 ✭✭✭buzzerxx


    do u mean mirrored over from the van? they only allow you to use a ncb on 1 vehicle only which is a rip off imho.



  • Registered Users, Registered Users 2 Posts: 916 ✭✭✭buzzerxx


    I have the van currently insured with AA insurance, they quoted me over 7 grand for the car insurance. I said give me the quote I'm sitting down, he replied are you lying down? and gave me the quote. Ended up going with zurich who are €1540 tpft. I cant find paperwork or remember who the car was insured with in 2018. I paid the equivelent of about €6000 back in 1990. They robbed me then and 32 years later they are robbing me again, never in all them years have i made a claim. Its no wonder that so many fraudulent claims are being made.



  • Registered Users, Registered Users 2 Posts: 135 ✭✭eskerman


    I contacted a company called Oneclick insurance to get a quote for my 19 year old son - his first car


    I have a quote from them and the underwriters are a company called CFMG ... never heard if them and the quote we have is favourable under the circumstances 2009 Suzuki 1.2 ltr - he is 19 on learner permit licence and the quote TPFT is just over €2000 which I dont think is too bad

    But who are CFMG..? not mainstream underwriters like AXA/Allianz/Zurich etc


    Paul



  • Registered Users, Registered Users 2 Posts: 1,751 ✭✭✭lalababa


    Was arsing around with change car estimator function on MyAXA ....have 6 mnts fully comp. insurance left and put in 3 different cars.....2010 volvo s40(4000) 1.6D...cost to change over 160euros....2004 s40(€500) 1.6 P ...50euros....2020 Porsche (€70000)...60euros.

    In what world does this make sense?



  • Registered Users, Registered Users 2 Posts: 247 ✭✭DUBLIN_person


    CFMG = City Financial Marketing Group, have been trading under Cover in a Click for years. I have been with them before, they are reputable anyway and good for young drivers. Although I would check it is definitely underwritten by them, when I was with them my policy was underwritten by Asgard.



  • Registered Users, Registered Users 2 Posts: 247 ✭✭DUBLIN_person


    Just got my renewal today from FBD:

    For Context:

    Male, 25, Full licence 6 years, Full No claims Bonus. No Penalty Points

    Car - 2014 Seat Leon FR 2.0 TDI 150 BHP

    Area of Use: Co.Dublin


    Renewal: 615.36 - Comprehensive, Full No Claims Bonus Protection

    Zurich: €692.87

    Get Set Go: €791

    Allianz: 701

    AIG: 586.02

    Kennco: 581

    An Post: €666.91

    AA: €1073

    AXA: 754.37

    123.ie: €864.56


    Renewed with FBD after some negotiating, removed breakdown assist as I have AA membership and got it for €540!

    3rd year in a row renewing with FBD despite shopping around, no complaints here!

    also worth noting the premium is down from €676 last year



  • Registered Users, Registered Users 2 Posts: 1,751 ✭✭✭lalababa


    Out of curiosity...anybody here or know of someone totaling a 50,000ish car ...insurance paying out...and premium going up by how much and for how many years? Assuming no bonus protection.

    Cause I know people who have tiny tips say 2000 worth of damage...and their premium goes up for at least 5 years and they end up paying alot more than the 2k.

    I'd say full bonus protection is the only way to go now.



  • Registered Users, Registered Users 2 Posts: 9,801 ✭✭✭CoBo55


    I made a 3k claim which halved my NCB, over the next 3 renewals I paid an extra 400 in premiums.



  • Advertisement
  • Registered Users, Registered Users 2 Posts: 3,658 ✭✭✭Wildly Boaring


    Missus totalled a 30k car and did 10k of damage to truck she hit.

    Got 3 points for collision too.


    Had step back.

    Approx 400 premium rose to 1000

    Back down to 600 this year.



  • Registered Users, Registered Users 2 Posts: 4,468 ✭✭✭Roberto_gas


    Renewal quotes for €565 existing cost

    5 years NCB

    AA(existing)-759

    Allianz - no quote

    Anpost €338 went with it



  • Registered Users, Registered Users 2 Posts: 2,919 ✭✭✭Girly Gal




  • Registered Users, Registered Users 2 Posts: 84 ✭✭whomadewho


    Age: 45

    Car: Toyota Auris Hybrid 2012

    Years Driving: 11, 6 with a full licence

    No of claims. 0

    Penalty points: 2

    Mileage per Year: Less Than 5000km

    Premium: 500e for Full comp wit he RSA



  • Registered Users, Registered Users 2 Posts: 19,070 ✭✭✭✭kippy




  • Registered Users, Registered Users 2 Posts: 1,495 ✭✭✭bidiots


    Age:45

    Penalty Points - 0

    Years Driving - 22+

    Years NCB - 10+

    Car: 2012 Passat 2.0 Tdi

    Current Policy: Allianz @ €414(been with Allianz for 3 years)

    Renewal with Allianz: €495


    This is nuts! Huge jump in premium so I checked around a lot of places to get competitive quote but minimum I could find was 550

    I've no idea why I can only get a decent quote from Allianz so if there are suggestions out there, would be appreciated.


    Also, I applied online with Allianz to get a quote, just to see. Got €432 online!

    Talked to the Allianz office about it and was told that as I have a few years with them that I would lose my 'loyalty' bonus.

    I told her that my loyalty bonus gave me a quote thats 60 quid more expensive than a fresh online quote, with Allianz! 😂

    That flumoxed her so she has to call me back after she chats with a supervisor🤔


    Any suggestions out there for me to try lower the quote? I thought premiums were supposed to fall?!



  • Registered Users, Registered Users 2 Posts: 3,658 ✭✭✭Wildly Boaring


    Mine came down a bit with AIG. €400ish with class 1.

    Had the same issue as you though. My renewal was about €460 with AIG. Got online and rang them. They said "Go with the online one if it's better, we're not allowed tough the quote anymore"


    But some of the other quotes were mad



  • Registered Users, Registered Users 2 Posts: 1,495 ✭✭✭bidiots


    AIG quote is 960 which includes a 10% online discount - this includes my partner as a named driver which usually drops the price but when i remove her the AIG quote comes down to 625 for some reason - its a pure lotto level scam!

    Just to add, the online quote from Allianz was actually lower today than yesterday, by 40 quid....same details used. 🤷‍♀️



  • Registered Users, Registered Users 2 Posts: 3,658 ✭✭✭Wildly Boaring


    Yep funny enough I got a cheaper by 20 or 25 quid by trying a couple different days..... madness



  • Advertisement
  • Registered Users, Registered Users 2 Posts: 5,461 ✭✭✭ofcork


    Got my renewal from chill 545 with ivernia which is 45 more than last year,went on their site and got 437 with same company!!!



  • Registered Users, Registered Users 2 Posts: 4 pododonnell100


    Got added to my mothers Insurance today as a learner driver, 17 years of age. 131 Skoda Superb worth €8,000 with my father as a named driver, residing in rural Sligo. €391 for mum and dad on their own, with mum being a shop assistant and dad as warehouseman ( both correct) and me as a student. Only €521.86 extra which is excelent. when many of my friends paying from €1,000 to €1,600 extra on newer cars. Insurance runs from now to mid August, and should have a car and full licence by then.



  • Registered Users, Registered Users 2 Posts: 5,461 ✭✭✭ofcork


    If you get a cheaper quote on their website than your renewal from the same company can you take it.



  • Registered Users, Registered Users 2 Posts: 4,100 ✭✭✭johndaman66


    Your on cover for around 7 months if the policy runs to mid August so the real annual additional premium for yourself to be added to the policy is closer to €900. Still an excellent price for a 17 year old on a Learners Permit. I would have thought you would be hard pushed to get cover even as a named driver on the likes of a Skoda Superb. What Insurance company can I ask?



  • Registered Users, Registered Users 2 Posts: 4,100 ✭✭✭johndaman66


    I had a bit of hassle February last year with Allianz. They weren't making it easy by not allowing me to input my cars registration number to complete the online sale, seen as I was already with them - or something silly along them lines as far as I recall. In the end I done a like for like quote inputting the exact model and spec as my own and same yr and value as opposed to registration number. Got the quote reference and got on the phone to them. They weren't making it easy really with a few calls back and forth etc but agreed to honour the lower online price when I treated to take my business elsewhere. A bit sketchy but that was the general gist of my experience as I recall.



  • Registered Users, Registered Users 2 Posts: 2,060 ✭✭✭Sexual Chocolate


    Received my renewal this week.

    Male

    28

    No points

    9 years NCB

    Driving +10 years

    2017 Ford Focus ST TDCi

    Have the aul fella on the policy to make it cheaper even though he doesn't drive it.

    Renewal €653 with Bank of Ireland/RSA 😕

    Was expecting it to be sub 600 this year. Last year's was 680 on the 320d (which was an increase on the year before) but when I bought the Focus in September I received €30 back with two months of payments left so was expecting a decent renewal.

    Shopping around I've gotten cheaper quotes from a few places, Liberty, Axa and Allianz to name a few that range from 580-630 but none of their policies are as good as my one so will stick with Bank of Ireland again.


    Got halfway through an online quote with Acorn Insurance until it got to the part where it asked for the reg of other car(s) that I've access to........



  • Advertisement
  • Registered Users, Registered Users 2 Posts: 3,658 ✭✭✭Wildly Boaring


    Acorn are a broker.

    Sometimes brokers ask too many questions just to be safe when checking all the companies they check.


    That question just means another car in a wife and husband situation. Not if say you could technically drive your dad's car.



  • Registered Users, Registered Users 2 Posts: 2,060 ✭✭✭Sexual Chocolate


    They were just asking too many questions for my liking.



  • Registered Users, Registered Users 2 Posts: 3,694 ✭✭✭Signore Fancy Pants


    Same details as last year, well plus 1 year on.

    Renewal from the AA is €450, so up €70. Will be shopping around but it seems all prices are inflated.



  • Registered Users, Registered Users 2 Posts: 4,100 ✭✭✭johndaman66


    As it was Acorn they were likely going to try and cross sell you Life Cover/ Income Protection.



  • Registered Users, Registered Users 2 Posts: 1,449 ✭✭✭nigeldaniel


    Been driving for 10 years and I am in my 40ts... Renewal this year with AXA €601 Opel Corsa 08 reg. Cant switch as I never signed up for online banking or mobile banking and my card cant be used online the way it was. I was going to switch to Allianz who quoted 325 euro but by the sounds of it, they are a bit so and so at times. Due to hearing aids, I do not have the option of calling other insurance companies. Looks like I am stuck with AXA.

    Dan.



  • Advertisement
Advertisement