Car insurance - tell us your quotes/renewals

_Kaiser_

Woke up this morning to an email from the AA with a renewal quote via Allianz - €1700, up from about 1000 last year.

No change in circumstances in the last 12 months, but now I'll have to spend the next few days ringing around finding out which one of them will screw me less this year. And of course, it's all pointless in a sense anyway because if you DO have a claim you'll either spend weeks/months arguing with them over it and get shafted for the next 5 years anyway.

It's no wonder there's so many reports on the Garda twitter feed of people being stopped for no insurance.

Sometimes I really hate this kip of a country! :mad:

_Kaiser_

_Kaiser_ wrote: »

Woke up this morning to an email from the AA with a renewal quote via Allianz - €1700, up from about 1000 last year.

No change in circumstances in the last 12 months, but now I'll have to spend the next few days ringing around finding out which one of them will screw me less this year. And of course, it's all pointless in a sense anyway because if you DO have a claim you'll either spend weeks/months arguing with them over it and get shafted for the next 5 years anyway.

It's no wonder there's so many reports on the Garda twitter feed of people being stopped for no insurance.

Sometimes I really hate this kip of a country! :mad:

So, quick update..

Going to the AA site itself and entering the exact same details gives a price of 1200 (again via Allianz)

Chill.ie offering the same (also Allianz) and a very pushy sales experience (I don't blame the agent, it's their job but the "price is only valid now/today" stuff doesn't work with me)

Allianz themselves offering just under 1100 on their website

Haven't called them, AA or others yet but FFS it's a ridiculous nonsensical exercise.. All offering different pricing from ultimately the same insurer and a massive time sink trying to sift through it.

wonski

123 was surprisingly cheap for me this year despite having rather old car.

They might want to catch more business this year so worth a shot.

_Kaiser_

wonski wrote: »

123 was surprisingly cheap for me this year despite having rather old car.

They might want to catch more business this year so worth a shot.

Tried them there, but apparently anything over 40k km a year is out of bounds for them.

Appreciate the tip though

cgcsb

So my renewal date is 6 months time.

Stats:
Male
29
Dublin
1.5 Diesel 2011 Hatchback
2 years no claims
Current insurance is €1500
No penalty points

All the quotes I'm getting are higher than that despite having another year of no claims, these are online quotes, do I have to speak with someone to get a reasonable quote?

My first insurance was like €2,200. Which is insane, how do young people start driving? I've a good salary and I'm late enough starting to drive so it's not a massive problem for me but my god how would you do it if you were a rural 18-22 year old trying to get to work.

scudodave

Renewal 526 Footprint through broker.
Nissan Leaf 2015
Full comp
Male
Full Licence 35 years
No points
Dublin.

Zurich 502
Allianz 959
123.ie 565
Its4women 394 Full Comp Standard.
423 Full Comp Xetra.
B of I 343 NC Step back
377 NC Protected.

I am a BofI customer,
Happy out, Mad Ted.

From Dec but

2014 Volvo S80 D4 181bhp
Fully Comp
37 yo Male (also put 37 yo wife on policy)
Full licence 13 years
No points
No claims
Cork

It's for women: €540
AIG: €550
An Post: €506

All others >€650.
Think all three above are AIG based.

inna981

Renewal with Liberty is up next week at 1050

2007 1.4 petrol Citroen C4 Coupe
Third Party
23M
Licence 2 years with 2 years NCB
Driving 3 years
No Points
Kilkenny
Mother down as a named driver (56, full licence)

2017: 1266 (2003 Ford Focus 1.4) with Boxymo
2018: 1351 (2007 Citroen C4 1.4) with Liberty

Aviva and An Post: No quote
AIG: 2200
123.ie: 2120
SuperValu: 1095
Its4women: 1000
AIB: 986
Chill: 930
Liberty (as new customer): 851
BOI: 703


Not to bad really

wonski

inna981 wrote: »

Renewal with Liberty is up next week at 1050

2007 1.4 petrol Citroen C4 Coupe
Third Party
23M
Licence 2 years with 2 years NCB
Driving 3 years
No Points
Kilkenny
Mother down as a named driver (56, full licence)

2017: 1266 (2003 Ford Focus 1.4) with Boxymo
2018: 1351 (2007 Citroen C4 1.4) with Liberty

Aviva and An Post: No quote
AIG: 2200
123.ie: 2120
SuperValu: 1095
Its4women: 1000
AIB: 986
Chill: 930
Liberty (as new customer): 851
BOI: 703


Not to bad really

Boi 700 sounds good for 23 years old.

Not sure if it's just me, but despite additional loadings on policies this year the prices seems to be down.

scarepanda

My quotes were high with the exception of allianz who I have been with for the last few years as they have been the cheapest by a long shot for me. Initial quote was around €750, they recalculated it for some reason (I think this was something they did across the board) and the new quote was €703. I had to ring to to clarify something with them and chanced my arm and asked the guy if they could do any better, he dropped it by €40, so final renewal price was €662. Happy with that as it's the cheapest it's been in a good few years.

cgcsb

inna981 wrote: »

Renewal with Liberty is up next week at 1050

2007 1.4 petrol Citroen C4 Coupe
Third Party
23M
Licence 2 years with 2 years NCB
Driving 3 years
No Points
Kilkenny
Mother down as a named driver (56, full licence)

2017: 1266 (2003 Ford Focus 1.4) with Boxymo
2018: 1351 (2007 Citroen C4 1.4) with Liberty

Aviva and An Post: No quote
AIG: 2200
123.ie: 2120
SuperValu: 1095
Its4women: 1000
AIB: 986
Chill: 930
Liberty (as new customer): 851
BOI: 703


Not to bad really

Does naming a parent reduce your premium? I didn't know this.

tcawley29

cgcsb wrote: »

Does naming a parent reduce your premium? I didn't know this.

Yes. I named both and it always saved me money as a young driver

Odyssey 2005

cgcsb wrote: »

Does naming a parent reduce your premium? I didn't know this.

Definitely does.

johndaman66

Meant to post this a good few weeks ago as renewed at the start of the month.


38 year old male living in Limerick County;
12 years NCB in own name and 5 years NCB prior to that as a named driver;
Full Irish drivers license with no penalty points, accidents, claims, convictions, endorsements or medical conditions;
Toyota Auris 2009 1.4 litre petrol, 5dr;
Social, domestic and pleasure use;
Comprehensive cover with step back bonus protection and breakdown assist;
Premium €460 with Insuremycars.ie - Underwriter Allianz.

theintern

Looking for insurance on a GTI, as my own company Liberty won't quote people who are <30 (which is insane).

29 yo male, 3 years NCB in own name with named driver before that.

162 VW Golf GTI.

Full Irish for 12 years, 0 penalty points, 1 chip repair windscreen claim this year.

2016 - 890 (1.6 diesel 2011 Ford Focus) - 25plus.ie
2017 - 874 (1.6 diesel 2011 Ford Focus) - Liberty
2018 - 897 (2.0 diesel 2013 VW Golf) - Liberty


Quotes on Golf GTI

AA - 1355
Aviva - 1394
Chill - 1253
BOI - 1267
its4women - 1400
Supervalu - 1222
AIG - 1136
An Post - 1094
RSA - 1068
KennCo - 1081
123.ie - 1041

Leaning towards the KennCo quote, because it has something called excess protection, which effectively means you get your excess back after a claim. The others in that ball park are ~300 excess. I think RSAs quote is 500.

Anyone have any recommendation between An Post, 123.ie, RSA or KennCo?

smeal

25 y/o female.
2010 1.4 Petrol Vauxhall Astra
6 years no claims
0 penalty points
Currently with Liberty TPFT- last year’s quote was around the €670 mark I think

Renewal this year with Liberty- €721 TPFT/ €951 FC

Shopping results so far:

Aviva €633 fully comp (came in at €1,030 with a broker)

Liberty new policy fully comp €784

Kennco €844 fully comp

2 independent brokers fully comp was between €900 and €1030

Bank of Ireland prestige fully comp €474!! Can’t see myself getting anywhere near this good elsewhere!

theguzman

31 y/o Male here
152 VW Jetta 2.0L Diesel DSG
5 Years no claims
0 Penalty Points
Was with Axa Broker Full Comp costing me €740 last year, My renewal was €790, rang up broker and told them I'm changing and they dropped to €720.

Bank of Ireland Prestige quoted me €648.00 for Fully Comp and NCB protection so I went with that as the best quote I got, most were pie in the sky worse than Axa.

Went with BOI and left Axa after 4 years as a customer. However if you decided to renew or change to Bank of Ireland I suggest you do it at least two to three weeks before your renewal date as it took them two weeks to send me my certificate and Insurance for the windscreen, they are woeful slow and you could be held on the phone for 10 minutes before they'd even bother to answer.

brainiac

Currently insured with AXA through Campion, due on the 13th April. Still waiting on the renewal letter but had some time yesterday to call around!

2009 Hyundai i20 1.2 Classic 1248cc Petrol
€3000 value
Fully Comprehensive
Male, 25
5 year full license
6 years NCB
One accident two years ago which was paid back to the insurer so a 0 value notification on NCB
No Points
Living in Kildare

2018: 782 with AXA through Campion
2017: 1050 with BOI

Campion (renewal) - TBD
Sheridan (Zurich) - 600 (Full NCB) / 600 (Stepback)
Zurich - 605 (Full NCB) / 576 (Stepback)
Chill (Zurich) - 607 (Full NCB) / 577 (Stepback)
Quotedevil (Zurich) - 617 (Stepback)
Post - 631
FBD - 708
AXA - 710
Blue Insurance - 725
SuperValu - 813
Liberty - 820
KennCo - 850
AIB - 870
25Plus - 873
First Ireland - 930
123 - 970
Allianz Referral - 978
BOI - 989
AA - 1036
Its4Women - 1100
AIG - 1300
Aviva - No Quote

Will update once I have the Campion price. Its looking like it'll definitely be Zurich in some capacity anyway. Quite a nice price from them and their brokers!

grogi

brainiac wrote: »

Sheridan (Zurich) - 600 (Full NCB) / 600 (Stepback)
Zurich - 605 (Full NCB) / 576 (Stepback)
Chill (Zurich) - 607 (Full NCB) / 577 (Stepback)
Quotedevil (Zurich) - 617 (Stepback)

With such minimal price difference I would go directly through Zurich.

brainiac

grogi wrote: »

With such minimal price difference I would go directly through Zurich.

I probably will be yeah, I'm sure I can get that fiver knocked off regardless!

my3cents

Male 60, 75% NCD, wife as named driver on an ancient 2002 1.4 Petrol Polo
AXA renewal €454.36 fully comp + extras (€334.02 if no extras)
Excess €100
No loss of no claims for theft fire or windscreen claims
Comprehensive Driving Other Cars (DOC)
Car and Key rescue
Protected NCD
Glass breakage

Last year same policy was €506.27

So really not going to bother shopping around I'll take it.

Tij da feen

Last Year:
€3200 w/ First Ireland
0 Years No Claims
Learner Permit
25 yo Male
2003 Ford Focus 1.4L
TPFT

This Year:
1 Year No Claims
Full License (Just passed a few weeks ago)
26 Year Old Male
151 Ford Focus 1.5L Diesel
Comprehensive Cover

€3300 Axa (First Ireland)
€1460 Zurich (First Ireland)
€1443 Liberty (First Ireland ; TPFT)
€1600 AIB
€1924 Kennco
€1480 Axa Direct
€2500 AA

And the winner:
€685! - Liberty Direct

I have a motorbike policy with them which knocked 92 quid to bring it down to that price. Put my dad on it as well (Despite us living in different houses it knocked a good bit off the price). It's mad how much fiddling with the quote will bring it down. Delighted with the price anyway, wasn't expecting to get it anywhere near this price.

Odyssey 2005

€2600 in the difference...fook me

Tij da feen

Odyssey 2005 wrote: »

€2600 in the difference...fook me

Yep. Combination of old car, 0 no claims discount and Learner permit.

If I still had an older car my insurance would still be nuts I'd say.

simulacra75

43 y/o Male here
2012 Lexus IS 200D in Co.Clare
9+ Years no claims
0 Penalty Points
Wife as named driver
Comprehensive cover

Allianz
€582

An Post
€555

Aviva
€604

Chill.ie
€802

Liberty
€621

Went with An Post for a finish

jusvi2001

38 year old Male
1.2 l peugeot 3008 (2017)
10 Years no claims
0 Penalty Points
Comprehensive cover with full bonus protection and breakdown assistance (last year 465 with 123.ie) and this renewal quote is 450

Liberty

Comprehensive cover with step back bonus protection and breakdown assistance - 565

BOI

Comprehensive cover with step back bonus protection and breakdown assistance - 720

FBD
Comprehensive cover with step back bonus protection and breakdown assistance - 676

ALLIANZ


Comprehensive cover with step back bonus protection and breakdown assistance - 732


AVIVA


Comprehensive cover with step back bonus protection and breakdown assistance - 487

Chill.ie (underwritten by Wrightwa)

Comprehensive cover with step back bonus protection and breakdown assistance - 460


AXA

Comprehensive cover with step back bonus protection and breakdown assistance - 682

POSTINSURANCE

Wont quote online

Sheridan

Comprehensive cover with step back bonus protection and breakdown assistance - 632


in short took 123 renewal quote as it is cheap with full NCB protection.

NIMAN

2014 Nissan Leaf
Ages: 40 and 50
Full no claims, no points.

Renewal with Allianz €360, thats fully comp, all protection.

Quotes:
123 = €660
Chill = €493
Axa = €604

I initially was surprised at the renewal price, think its actually down on last year.
Thought I'd try a couple of quotes but can't see anyone else beating the renewal so might just stop searching.

MarkR

Got renewal in the door. Aviva, €549.

40 Year. No claims, convictions or points. Full licence, comprehensive. 1.6L Ford Focus Diesel. Used primarly in Clare.

I checked around, and surprisingly, my renewal wasn't that bad. Then someone in work told me about a discount Bank of Ireland give to staff of the university I work it. Down to 429. And I can pay by direct debit over the year, for no additional charge.

Soooooooooold.

wonski

It's actually nice to see premiums going down (with some exceptions).

Last year this thread wasn't as full of happy customers as it is now.

Many quotes for younger drivers, older cars etc being reasonable, if not great value.

De Danann

My quote for this year (through another broker, not renewing with my current insurer) is costing me €1,400 cheaper than last year. I can't believe it. Nothing about my circumstances have changed except having one year no claims under my belt now.

Delighted with myself.

I'd rather not give my gender and exact age but I'm under 30 years old and on a Learner Permit.

Last years premium cost me €3,800 (AXA)

This year it will cost me €2,400 (through Sullivan Insurances)