Car insurance - tell us your quotes/renewals

septicsac

Car: 161 Skoda Superb 2.0L 150bhp auto
Insurance - Fully comp class 1 limited business use, no points, convictions 20+ rs claims free in own name full licence
Current Ins: IFW renewal - 500
25+ 411
AIG 410
Liberty 900 always dear for me
everyone else anything from 600-800

AIG it will be, fed up looking, but will put a broker on it to se if anything lower, but doubt it.

lawred2

38 male North Dublin
Clean Irish licence with full NCD
2018 Peugeot 5008
Renewal notice with its4women of 410

Got new business quote from 25plus (which are effectively the same company) for 350 full comp

grogi

lawred2 wrote: »

38 male North Dublin
Clean Irish licence with full NCD
2018 Peugeot 5008
Renewal notice with its4women of 410

Got new business quote from 25plus (which are effectively the same company) for 350 full comp

Did you use the discount code for both of them?

lawred2

grogi wrote: »

Did you use the discount code for both of them?

no

didn't know there was one

the quote did mention €40 off for buying online though

grogi

lawred2 wrote: »

no

didn't know there was one

the quote did mention €40 off for buying online though

LQ456 if you didn't complete your purchase yet.

lawred2

grogi wrote: »

LQ456 if you didn't complete your purchase yet.

I have

What's the discount?

grogi

lawred2 wrote: »

I have

What's the discount?

€30

bigboss1986

Wife's car 132 Megane 1.5d ,age 33 9+ NCB ,no points,me as 2nd driver

Fully comp,glass,bonus protection,keys covered and driving other cars 3rd party

Last year Allianz 652e

Renewal 599,new quote with Allianz 598 :pac:

I rang them and they could do for 595 :rolleyes:

Spent all monday calling (i think) most companies

Went with An Post insurance(Aviva) fro 431euro

Fully comp,glass,two drivers,keys,brakedown.

Paid in full as paying monthly was 60 euro more expensive :eek:

This year was the cheapest insurance ever for her:cool:

petronius

I was investigating car insurance for a older relative, who was flat refused a quote by 2 insurance companies since he is over 75, despite never having a claim, or a penalty point, has a full licence, and his car over 15 years old with less that 5k mileage per year has its NCT.

Why can you not insure yourself with a foreign insurance company? we get filleted for everything in this country.

I believe insurance for an 80 year old in the UK is about €200?

Eggs For Dinner

petronius wrote: »

Why can you not insure yourself with a foreign insurance company? we get filleted for everything in this country.

I believe insurance for an 80 year old in the UK is about €200?

EVERY insurer in Ireland, with the exception of FBD, is a foreign company. The same insurers offering reasonable premiums elsewhere, have adjusted their rates here to reflect the claim conditions in this jurisdiction

Kiith

First time driver, no previous experience, 36 years old, 2010 Focus 1.6.

€1350 with AIG and the GUI discount. About €700 cheaper then anywhere else i looked.

scottigael

Kiith wrote: »

First time driver, no previous experience, 36 years old, 2010 Focus 1.6.

€1350 with AIG and the GUI discount. About €700 cheaper then anywhere else i looked.

Can anybody join the GUI and get this discount? Or do you actually have to be a golfer and have a membership somewhere?

Kiith

You need to be a member of a club. You can join a club on a limited membership (5 day for example), and it can be quite cheap, but i'm not sure it would save you much money, unless your insurance premium is very high.

absolutegroove

Male 43 2008 Ford Focus 1.8 TDCI
Irish Licence (changed over from UK Licence) 15+ Years
NCD 6 Years
No claims and no penalty points
Fully Comprehensive and Class 2 cover
Insured at the moment with KennCo Insurance


SuperValu: €1205.71
AA Car Insurance: €920.40
123.ie: €783.74
AXA Insurance: €1205.71
25plus: would not quote
KennCo Renewal Quote: €720.00

Wildly Boaring

Changing car and moving house more or less simultaneously

Previous insurer AnPost
Uplift to change car €0
Uplift to move house €130 for 5 months, on pushing reduced to €80
Hence quitting and getting new quotes

Male
Late 30s
Full Clean Licence
Wife has 3 points
Need Class 1 and Fully Comp with step back and breakdown
Seat Leon FR 2.0 Diesel
Living in Meath


Aviva €818
123 €570
AIG €698
Kennco €629
An Post €689
Allianz €841
BOI €1227
Britton €780

And the winner €560 - 25plus

phunkadelic

Age: 39
Years driving: 15
Car: '07 Honda Civic 1.8 SES
NCB: 10+ years
Claims: 0
Points: 0
Cover: Fully comp
Provider: Axa
That's the missus, and I'm 39 yr old male, named driver on full license for 3 years


Last year I paid €547 to Axa, up from €575 the previous year.

This year I was quoted €652 for renewal with axa.

On its4women, I used code LQ456 plus online discount to get this price:
Its4women €413 or €459 with legal, roadside assit and windscreen cover


So I went for the €459, not bad.

rn

Age:39
Driving: 20 years
Car: vw passat 1.6 Tdi saloon
NCB: max, 9 years.
Claims:0
Points:0
Cover: fully comp
Provider: alliance via glennons
Renewal quote 579

Best quote: it's for women 480 comprehensive xtra package.

Current insurer dropped to 524, so I went with that for this year. Thought I'd get more off, but was busy in work, so just renewed.

mickuhaha

Just so everyone knows AA insurance have a €200 discretion with your renewal quote. If you get a quote of say €755, when they ring you to follow up, you tell them you got a better quote of say €556 they can refer you to the loyality team and they can price match to the €556. But it needs to be within the €200 to get the referral.

aidyhawse

Age:24
Car: 2010 VW Golf 1.6 TDI
Years driving: 6
Claims: 0
No Claims: 6 years
Type: Fully Comp

Liberty Renewal: €1,328.97
Liberty New Customer: €1,195.10
AA (Aviva): €820.13
AIG: €820.35
Its4Women (Standard): €842.76
Its4Women (Xtra): €915.44
123.ie: €894.66
Chill (Zurich): €947.59
An Post: €987.85

Went with AIG as they seem to provide more and it's over only 9 months instead of 11.

duffman3833

Age:29
Car: 2008 BMW E90 320i (170)
Years driving: 11
Claims: 0
No Claims: 11 years
Type: Fully Comp

Axa - €869.84
AA - €792.42
Aviva - n/a
Liberty - €549.73
AnPost - €895.28
FBD - €1,018.02
123.ie - €452.84
Chill - €596.00
allianz - €793.85
Its4Women - €825.00
25plus - €953.04

Ended up paying 490 with 123.ie as the extra 42 euro was to get full NCD protection
cant believe how cheap i got it this year especially in the BMW

corcaigh1

It's official, insurers are ripping off customers...

https://www.independent.ie/business/personal-finance/latest-news/charlie-weston-horrifying-reading-for-more-than-two-million-motorists-as-its-official-insurers-are-ripping-off-drivers-38788427.html

dinneenp

Age:44
Car: 09 Saab 93, 2 litre
Years driving: 27
Claims: 0
No Claims: 11 years or more
Type: Fully Comp

€459.14, initially priced me MORE than last year, matched last year after I said was unhappy with new quote.

update-
3rd party F&T: 317 online with 123.ie

Fanny Wank

corcaigh1 wrote: »

It's official, insurers are ripping off customers...

https://www.independent.ie/business/personal-finance/latest-news/charlie-weston-horrifying-reading-for-more-than-two-million-motorists-as-its-official-insurers-are-ripping-off-drivers-38788427.html

Not sure why I'm bothering but....

I've asked in other places and only got stupidity in response. CBI released a report that shows motor insurers lost significant money over a 10 year period and this is somehow confirmation that they're "ripping off" customers?

grogi

Fanny **** wrote: »

Not sure why I'm bothering but....

I've asked in other places and only got stupidity in response. CBI released a report that shows motor insurers lost significant money over a 10 year period and this is somehow confirmation that they're "ripping off" customers?

I read that the insurance business had a ~9% profit last year. That's after the massive 62% increase of premium in recent years... In other words they had to increase the premium by 53% just to get even... How about starting to reduce the dept from previous years?

I hardly see where we are being ripped too...

punisher5112

My insurance has gone up by 700 and I get less.

Had motorcycle cover for anything and it was taken away.
Had fully comp with a huge amount covered on cars which was taken so now I pay €1780 for barely anything just basically legal to be on the road, no breakdown, windscreen or anything at all really...

Eggs For Dinner

grogi wrote: »

I read that the insurance business had a ~9% profit last year. That's after the massive 62% increase of premium in recent years... In other words they had to increase the premium by 53% just to get even... How about starting to reduce the dept from previous years?

I hardly see where we are being ripped too...

Firstly, I have always stated here that premiums are far too high and the current levels are unsustainable. In addition, if things continue as they are, aspects of our day to day lives will change dramatically (sport, leisure, care etc)

It is very easy to slap out headlines like 'Rip Off' and 'Gouging' to feed the perfectly understandable dismay that people feel about the situation. It was reported that the figures say premiums rose by 42% in the last ten years and insurers made 9% profit last year. That seeks to suggest that insurers were making profit every year during the decade, which is far from the truth

Commentators were saying that 9% profit is out of line with the UK, which averages 5% profit. Let's put that in to context. The report says that the average premium is now €700. That means your insurer made €63 profit from you last year. So, if you were in the UK, your insurer there would have made €35 profit THAT YEAR. So, basically you were ripped off by €28.....

We all know how averages work and within those figures some sections of policyholder gave insurers hundreds of Euro profit each and some sections lost the same amount. Just like some insurers would have lost millions and some made a tidy sum. Profits one year are no guarantee of profit next year, even if they had the exact same clients on their books, it is a game of chance

The key to reducing premiums is to reduce claims and make Ireland a profitable environment for more insurers to come in and increase competition. If you are left with only one or two insurers offering cover in any given sector, you are exposing yourself to being shafted by those providers, just like any other supply and demand scenario. If insurers are making money, you will pay lower premiums. It has always been that way throughout history

punisher5112

I some how don't believe the figures very much like the Garda figures....

Huge profits are made in the industry.

Eggs For Dinner

punisher5112 wrote: »

I some how don't believe the figures very much like the Garda figures.....

Well take that up with the Central Bank. This is not a report released by Insurers

punisher5112

Eggs For Dinner wrote: »

Well take that up with the Central Bank. This is not a report released by Insurers

Would you honestly trust any of them after how the last recession was started and handled....

Eggs For Dinner

punisher5112 wrote: »

Would you honestly trust any of them after how the last recession was started and handled....

No I wouldn't, so for that reason I'm not taking this report as Gospel. I'm sure they happily omitted some statistics to suit the agenda.