Car insurance - tell us your quotes/renewals

Chr15

F; 30 (31 by time renewed policy kicks in).
171 Hyundai i20
Driving 10+ years but only last 2 on my own policy.
No claims. No points.
Fully comprehensive:

Liberty (renewal): €688
It's4women: €707
BofI: €573
Axa: €616
An post online couldn't find car and wouldn't let me enter manually
Aviva: €1319

All are cheaper than what I paid last year, other than Aviva.

I used to have a parent on my policy to reduce it but both are retired now. Am I right in thinking that being retired adds a premium? So won't help with reducing cost

DPolo

Changed car recently, went from 2004 automatic Lexus IS200, renewal quotes in November ranged from €1380(Liberty renewal) to €4279 on that. Aviva and An post wouldn't/couldn't quote the car at all.

Gender: Male
Age: 25
Car: 2008 Audi A5 1.8 TFSI Quattro Coupe
NCD: 8 Years
Licence: 8 Years
Points: None
Claims: None
Went with the AA full comp for €547
Liberty: €778
An Post: €1082
123.ie: €1196
BOI: €1238
AXA: €1863
Aviva: €2212

Aviva seem to just pull the figures from sky, consistently highest quote every year for me.
Changed occupation from student when I finished college last year and it knocked premium down €300 on previous car

Rubberchikken

full comp on a seat ibiza 1.2. 464 approx. same as last year. cant remember the company..i did it through a broker.

morritty

DPolo wrote: »

Changed car recently, went from 2004 automatic Lexus IS200, renewal quotes in November ranged from €1380(Liberty renewal) to €4279 on that. Aviva and An post wouldn't/couldn't quote the car at all.

Gender: Male
Age: 25
Car: 2008 Audi A5 1.8 TFSI Quattro Coupe
NCD: 8 Years
Licence: 8 Years
Points: None
Claims: None
Went with the AA full comp for €547
Liberty: €778
An Post: €1082
123.ie: €1196
BOI: €1238
AXA: €1863
Aviva: €2212

Aviva seem to just pull the figures from sky, consistently highest quote every year for me.
Changed occupation from student when I finished college last year and it knocked premium down €300 on previous car

I'm still waiting for mine in the post from AA. But i've just done this quote
Gender: Male
Age: 28
Car: 2012 Skoda Superb 1.4
NCD: 8 Years
Licence: 8 Years
Points: None
Claims: None
€750

I see no logic. Cant wait for the renewal letter

Captain Flaps

Captain Flaps wrote: »

Your Age: 30
Car type and engine: 2004 Ford Focus Saloon 1.4L
years driving: 12
NCB: 5+
any claims or points: no

€650 with AIG

Just got the renewal. €618, no change in details. I am ASTOUNDED it went down. Ran a comparison on 123.ie and it was €897. Axa wanted over €1k

DPolo

morritty wrote: »

I'm still waiting for mine in the post from AA. But i've just done this quote
Gender: Male
Age: 28
Car: 2012 Skoda Superb 1.4
NCD: 8 Years
Licence: 8 Years
Points: None
Claims: None
€750

I see no logic. Cant wait for the renewal letter

Neither can I, was expecting to get quotes around same or little higher on the new car.
Not complaining for the drop in my own insurance, but I can't figure out how people driving longer than me with 1.2/1.4 Ibiza/Golf/Octavia/Focus etc. are paying more.

morritty

DPolo wrote: »

Neither can I, was expecting to get quotes around same or little higher on the new car.
Not complaining for the drop in my own insurance, but I can't figure out how people driving longer than me with 1.2/1.4 Ibiza/Golf/Octavia/Focus etc. are paying more.

God no, i wouldn't be complaining at all.

I'll update with fun news in a few weeks

SCOOP 64

€280 again this year with Aviva, €316 monthly, fully comp,2008 opel zafira 1.6 , no points,no claims, full bonus.

Eggs For Dinner

SCOOP 64 wrote: »

€280 again this year with Aviva, €316 monthly, fully comp,2008 opel zafira 1.6 , no points,no claims, full bonus.

Reported

No good news stories about reasonable premiums allowed

Wibbs

DPolo wrote: »

Aviva seem to just pull the figures from sky, consistently highest quote every year for me.

Captain Flaps wrote: »

Axa wanted over €1k

I have found - and threads like this seem to confirm it - that AXA and Aviva are nearly always the highest WTF quotes of all. And seem to vary depending on which way the wind blows. Sadly they're the only ones who'll quote for my car, through brokers anyway. A direct approach always comes back with a laughable figure.

Wibbs

One thing I've noticed when looking around for quotes is a load of the companies/brokers under the "high performance cars" section after two seaters and open top list - and I kid thee not "Cars with fuel-injected engines". What internal combustion engined cars these days don't come with fuel injection? I haven't seen a carburettor since the 90's. It's as if some of them still live in the days of flat caps and grease nipples and copy and paste from each other.

morritty

Wibbs wrote: »

One thing I've noticed when looking around for quotes is a load of the companies/brokers under the "high performance cars" section after two seaters and open top list - and I kid thee not "Cars with fuel-injected engines". What internal combustion engined cars these days don't come with fuel injection? I haven't seen a carburettor since the 90's. It's as if some of them still live in the days of flat caps and grease nipples and copy and paste from each other.

I had a stupid quote before. I asked why. The reason was that a 1.8 litre petrol Mazda 6 with 120hp was a high performance car.

DPolo

Wibbs wrote: »

I have found - and threads like this seem to confirm it - that AXA and Aviva are nearly always the highest WTF quotes of all. And seem to vary depending on which way the wind blows. Sadly they're the only ones who'll quote for my car, through brokers anyway. A direct approach always comes back with a laughable figure.

Seems only in last 3 years they've gone mad.
AXA were the only ones who'd insure me when I was 17, €1900 for first time insurance wasn't too bad, most other quotes then where over €5k for a car that was worth €3k at most at time.

Len_007

Male, 35, Licence holder for 10 years, no points, no claims, Peugeot 5008 1.6d. I share the care with my SO who does not have her own car.
Chill €538
AA €717
FBD €539
Axa €722
Aviva were quoting me €552 to renew, but then the operator gave me a "discretionary discount" which brought it down to €489, fully comp. So I went with that.

Wibbs

morritty wrote: »

I had a stupid quote before. I asked why. The reason was that a 1.8 litre petrol Mazda 6 with 120hp was a high performance car.

Me. Not shocked. They seem to just pull some of their notions out of a hat. Or their arse. But yeah and in case folks might think me joking earlier here's Chill's website...



"Fuel injected engines". Name me a car released in the last ten, hell twenty years not running field injection. Given most won't cover over past ten, fifteen years old no car coming to them will be without it(other than an EV). "Performance car" :rolleyes:

You couldn't make this level of out of touch with a side order of bullshit dribbling idiocy up. And this is a pretty consistent one, almost word for word, across different "independent" company's websites. Hell, maybe I should ditch the injection and strap on four huge weber carbs.

wotzgoingon

Wibbs wrote: »

Hell, maybe I should ditch the injection and strap on four huge weber carbs.

DO IT!!! :eek:

Fuel economy would go out the window but it would sound good though.

vickers209

08 Nissan tidda 1.6 petrol

33 yo full licence 15 years no claims ect

fully comp with aviva wife included

last year €530
renewal this year €444

pretty happy with that

corcaigh1

The Nal wrote: »

123.ie just told me to fúck off because its not taxed.

Same, 123.ie looking for car tax to renew my policy. On that basis ive taken up car insurance with another provider. I tax my 1.9 diesel once a year @ €190 instead of €673 for the full year.

Yes Im breaking the law, I get away with it and have no quibble in doing so. Im not gonna be penalised for driving a 15 year old NCT'd perfectly roadworthy vehicle that is maintained meticulously.

wotzgoingon

WHAT! Your saying you drive around most of the year with no tax?

Odyssey 2005

vickers209 wrote: »

08 Nissan tidda 1.6 petrol

33 yo full licence 15 years no claims ect

fully comp with aviva wife included

last year €5306
renewal this year €444

pretty happy with that

;( tida huh

cailin8

Chr15 wrote:

I used to have a parent on my policy to reduce it but both are retired now. Am I right in thinking that being retired adds a premium? So won't help with reducing cost

I had a retired parent (under 70) as a named driver with Aviva and it reduced the premium

dinneenp

Gender: Male

Age: 43

Location: County Galway

Car: 09 G Saab 93, 1.9 Diesel

Declared Mods: None: Standard car

NCD: 9

Claims: None

Licence: Full, 20+ years

Points: None
wife is named driver, has 3 points

Renewal: €529 online RSA

Best: BOI: 428 3rd party, breakdown assist etc.
Others:
Post: 474
Corn Market: 700 odd

ofcork

Just got my renewal up to 735 from 728 last year RSA through boi full license no claims 47yo male on a 2012 2.0 diesel avensis really thought bit would have come down.

Tommyboy40

Male 50. Full NCB, no points etc

Mercedes SL 500
Mercedes 220CE
Mercedes CL500
Smart for 2 Cabrio
Toyota Yaris

Full business cover

Total premium €2479

grounderfill

Gender: Male

Age: 44

Location: County Dublin

Car: 2015 D Kia Optima 1.7 Diesel

Declared Mods: None: Standard car

NCD: 5+
55% No claims discount

Claims: None
Rear ended - full responsibility accepted by other driver.


Licence: Full, 20+ years

Points: 3
wife is named driver, has 3 points

Renewal: €700 cheapest quote zurich
Quotes of €958 and €1000
Fully comprehensive

garv123

corcaigh1 wrote: »

Same, 123.ie looking for car tax to renew my policy. On that basis ive taken up car insurance with another provider. I tax my 1.9 diesel once a year @ €190 instead of €673 for the full year.

Yes Im breaking the law, I get away with it and have no quibble in doing so. Im not gonna be penalised for driving a 15 year old NCT'd perfectly roadworthy vehicle that is maintained meticulously.

How do you get around back taxing these days? Transfer to a new owner and back?

dinneenp

grounderfill wrote: »

Gender: Male

Age: 44

Location: County Dublin

Car: 2015 D Kia Optima 1.7 Diesel

Declared Mods: None: Standard car

NCD: 5+
55% No claims discount

Claims: None
Rear ended - full responsibility accepted by other driver.


Licence: Full, 20+ years

Points: 3
wife is named driver, has 3 points

Renewal: €700 cheapest quote zurich
Quotes of €958 and €1000
Fully comprehensive

You're v similar to me (posted few days ago, 43,wife 3 pointd) & I got €450 through BOI. Give them a call, if you're not a BOI customer ask what the rate would be if you joined.

Pa

ofcork

ofcork wrote: »

Just got my renewal up to 735 from 728 last year RSA through boi full license no claims 47yo male on a 2012 2.0 diesel avensis really thought bit would have come down.

Tried 123.ie over 1000 euro.

Rows Grower

Renewal quote of 605 from Quotedevil who I have given a lot of business to over many, many years without one claim.

Quote is for both of us who are named drivers on each others policies, rang Insuremyvan and got a quote of 570.

We never had an accident or a penalty point between us, anyone know any other place worth ringing? Mine is commercial jeep and herself has family car.

grounderfill

dinneenp wrote: »

You're v similar to me (posted few days ago, 43,wife 3 pointd) & I got €450 through BOI. Give them a call, if you're not a BOI customer ask what the rate would be if you joined.

Pa

Cheers.
Have a boi account for years...
Above quote with Zurich is fully comp at €700

Bank of Ireland Quote:

Annual Premium: €681.30 Third party fire and theft

Bank of Ireland
Prestige:

Annual Premium: €745.89 fully comprehensive