Car insurance - tell us your quotes/renewals

Odyssey 2005

Odyssey 2005 wrote: »

Renewal just came in from Aviva.
2010 superb, 1.8 tsi
Fully comp + full bonus protect windows etc.
57 yo
Full bonus
€338.

Went online with Aviva and put in my details, quote came back as €280.

davidjtaylor

Odyssey 2005 wrote: »

Renewal just came in from Aviva.
2010 superb, 1.8 tsi
Fully comp + full bonus protect windows etc.
57 yo
Full bonus
€338.

Jesus that's cheap.

davidjtaylor

Odyssey 2005 wrote: »

Went online with Aviva and put in my details, quote came back as €280.

Jesus, Joseph, Mary and Joe Burke, that's really cheap.

davidjtaylor

2014 1.6 Golf Highline
Never claimed, never any penalty points, spouse the same, driving 40 years each.

Quotes vary from €390 up to €892 and everything in between.

The strange thing is, in the past the AA have quoted really dear for me but this year, they're the cheapest by a significant amount.

It pees me off that I've never claimed a sodding thing but year to year my insurance goes up and up and up and up and up.

Odyssey 2005

davidjtaylor wrote: »

Jesus, Joseph, Mary and Joe Burke, that's really cheap.

Paid it last Thursday, isn't due until 15th June. Couldn't get over it.

davidjtaylor

Finally. Post Insurance (One Direct) €1.35 cheaper than last year's insurance with 25plus.ie

(Renewal had gone up by €60 despite 100% clean claims record and no penalty points)

Still €45 dearer than Odyssey's though. :mad:

Skuxx

My wife's renewal came in today, it has more than doubled from last year.

She's 32, driving a 2009 Nissan Qashqai,no points, claims etc.... Gone from €520 last year to €1280!

Odyssey 2005

Insured MrsO's car yesterday. Post insurance
E300
Fully Comp.
Licence over 20 yes
No points
1 yr NBC due to being on fleet policy for the past 12 years
No claims...
Last year €800 +
Renewal was €670.
Called them and got it for €599.

Odyssey 2005

Skuxx wrote: »

My wife's renewal came in today, it has more than doubled from last year.

She's 32, driving a 2009 Nissan Qashqai,no points, claims etc.... Gone from €520 last year to €1280!

Fook me that's saucy. ( the renewal, not your missus )

davidjtaylor

Odyssey 2005 wrote: »

Insured MrsO's car yesterday. Post insurance
E300
Fully Comp.
Licence over 20 yes
No points
1 yr NBC due to being on fleet policy for the past 12 years
No claims...
Last year €800 +
Renewal was €670.
Called them and got it for €599.

Every year (except one) my insurance has gone up on previous years. And every year, I spend most of a day shopping around. I nearly always get my insurance roughly the same from year-to-year (given the same car of course).

Post Insurance - or One Direct in the past - and the AA have always been amongst the most expensive quotes. But not this year: they were the cheapest. What gives?

Skatedude

97 BMW 840 ci sport on Classic insurance, 6000 yearly millage limit.
Last year 450.
This year 499.

Going up, but still happy enough with it, but need to ring them as the valuation they have is 10k, and a low millage model goes for about 20k and up. I'd rather pay more to make sure I have the proper cover.

davidjtaylor

Skatedude wrote: »

97 BMW 840 ci sport on Classic insurance, 6000 yearly millage limit.
Last year 450.
This year 499.

Going up, but still happy enough with it, but need to ring them as the valuation they have is 10k, and a low millage model goes for about 20k and up. I'd rather pay more to make sure I have the proper cover.

Fair enough if you think you haven't got proper cover, Skatedude, but my earlier point - that insurance goes up way year after year over the cost of inflation for the same car with no claims - is criminal.

Maybe people should argue this point when their renewal comes round. After all, wouldn't an insurer prefer to get the same as they charged last year rather than zero?

Odyssey 2005

Just go a renewal for my sons insurance.
Fully comp.. no bonus protection
07 1.4 Octavia
1500 value
No points
21 years old
3 years in own name
€670

Went online
Put in all the same details
€421 or €463 with full bonus protection

Bigmac1euro

Odyssey 2005 wrote: »

Just go a renewal for my sons insurance.
Fully comp.. no bonus protection
07 1.4 Octavia
1500 value
No points
21 years old
3 years in own name
€670

Went online
Put in all the same details
€421 or €463 with full bonus protection

What insurance company is this with ? That's unreal.

Odyssey 2005

Bigmac1euro wrote: »

What insurance company is this with ? That's unreal.

Aviva.

clones1980

€734 - Aviva online

Fully comp for 08 Golf 1.9.
39 year old female driver
Full licence for forever
no penalty points,
no claims
That does not include bonus protection etc

SCOOP 64

Tried anywhere else, that quote seems expensive for your record.

wotzgoingon

Odyssey 2005 wrote: »

Just go a renewal for my sons insurance.
Fully comp.. no bonus protection
07 1.4 Octavia
1500 value
No points
21 years old
3 years in own name
€670

Went online
Put in all the same details
€421 or €463 with full bonus protection

Something not right there but I doubt you are complaining.

Odyssey 2005

wotzgoingon wrote: »

Something not right there but I doubt you are complaining.

Agreed. They just called me. Am in negotiations atm. Then their system crashed . Gona call me back . We shall see. They sent me a email with the quote but that's probably not worth the paper its written on.

Bigmac1euro

Odyssey 2005 wrote: »

Agreed. They just called me. Am in negotiations atm. Then their system crashed . Gona call me back . We shall see. They sent me a email with the quote but that's probably not worth the paper its written on.

Prepare to pay double or triple although for your sons sake hopefully not. But they’ll come back to you with some lame excuse or maybe just maybe they will honour it.

davidjtaylor

Odyssey 2005 wrote: »

Just go a renewal for my sons insurance.
Fully comp.. no bonus protection
07 1.4 Octavia
1500 value
No points
21 years old
3 years in own name
€670

Went online
Put in all the same details
€421 or €463 with full bonus protection

Brilliant. A little effort goes a long way. Hope you get that.

davidjtaylor

clonesbabe wrote: »

€734 - Aviva online

Fully comp for 08 Golf 1.9.
39 year old female driver
Full licence for forever
no penalty points,
no claims
That does not include bonus protection etc

That's way too dear. You shouldn't pay more than €400. It takes time and is mega boring but everyone should spend a day or so trying every single insurer on the web.

Dante

15 BMW 420i 2.0
1 Year NCB
No points
1 claim with no fault
License for 8 years
Quote: £1,450

Odyssey 2005

Bigmac1euro wrote: »

Prepare to pay double or triple although for your sons sake hopefully not. But they’ll come back to you with some lame excuse or maybe just maybe they will honour it.

They have him on 50% ncb now. 30% from their ignition program and 30% earned. They wont let him bring the 30% to the new policy . Knuts.
Quote came in at €660. Still dam good deal for a 21yo fully comp.

punisher5112

Odyssey 2005 wrote: »

They have him on 50% ncb now. 30% from their ignition program and 30% earned. They wont let him bring the 30% to the new policy . Knuts.
Quote came in at €660. Still dam good deal for a 21yo fully comp.

That's a steal...

I'm paying 1700 tpft trade with huge excess at 36 and loads removed and increase every year for 7 years.

johndaman66

davidjtaylor wrote: »

That's way too dear. You shouldn't pay more than €400. It takes time and is mega boring but everyone should spend a day or so trying every single insurer on the web.

I could be very wrong but think the days of getting motor insurance for under €400 are well and truly gone (I'm talking main daily driver car, not classic/ vintage policies).

I'm a 38 year old male with 14 years NCB and full license held 18 years. No accidents, claims, convictions or penalty points. Insurance was close to €500 comprehensive cover on a 1.4 2009 Auris. Cover was provided by insuremycars.ie with the underwriter being Allianz. I did actually call every broker/ company in the phone book to get the best quote (time consuming and soul destroying). As I was calling I was telling them my best quote. One broker pretty much told me to take it and take their hand off as I wont get it any better than that. Unlike clonesbabe my cover does have step back bonus protection but I'd be willing to forego that for €400.

If you could tell me a company/ broker that will provide me cover for around €400 with them particulars I'd be very appreciative.

inna981

Mothers insurance is up at the start of next month

58F Full License driving for 35ish years
Co. Kilkenny
2013 Peugeot 308 1.6 HDi
No Points
No Claims
Full No Claims
Fully Comprehensive

Renewal with BOI: ~570

AIG and AA: No quote
123.ie: 768 haha
SuperValu: 556
AIB: 514
Aviva: 462
25plus: 427
BOI (as new customer): 326

Bank of Ireland looks pretty good again this year. Has windscreen cover and step back protection included.

davidjtaylor

johndaman66 wrote: »

If you could tell me a company/ broker that will provide me cover for around €400 with them particulars I'd be very appreciative.

I wish I could but it’s never that simple. I went with 25plus in 2017, they were about €360 that year, the next year they were €385 which I accepted, because shopping around is, like you said, a mega toll on your sanity.

This year they put it up €60, way over inflation and, given the same car, no points or claims, is cheeky and should be criminal. Hours of shopping around got me Post Insurance at €383, so feck them. Better insurance too.

I fully expect PI to renew me at €450 or more next year; whether I’ll be able to shop around sub-€400 by then is looking doubtful.

Read back through the thread - there are people getting decent deals still but I’ve no idea why quotes vary by such WTF amounts. Post Insurance and AA have been off the scale for me in previous years, for a smaller car! You tell me.

johndaman66

Thanks David. I'm thinking too that a lot of people paying under the €400 mark are possibly driving very small city cars that are less than 5 years old. I think there is a lot of people posting their premium for second cars or classic policies too and not disclosing as such.


I possibly could have got closer to the €400 mark if I went TPF&T only but the difference was small and if something were to happen to my car it was a chance I was not willing to take. As I recall I paid sub €400 in 2017 on a 2004 Corolla but think the market has moved on. As at least one broker mentioned to me last Feb "€500 is the new €350".


I take your point too though and reiterate - if you don't take some time to shop around every year you are an idiot and dare I say it, deserve to pay over the odds.

Odyssey 2005

johndaman66 wrote: »

Thanks David. I'm thinking too that a lot of people paying under the €400 mark are possibly driving very small city cars that are less than 5 years old. I think there is a lot of people posting their premium for second cars or classic policies too and not disclosing as such.


1.8 TSI superb 2012
Only vehicle
Not a small city car
Full comp,FBP
€280.