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Car insurance - tell us your quotes/renewals
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Moderators, Science, Health & Environment Moderators, Society & Culture Moderators Posts: 60,075 Mod ✭✭✭✭
Join Date:Posts: 59004
Your Age: 51
Car type and engine: 1998 Honda Integra Type R 1.8
years driving: 30+ with a full licence.
any claims: None. Zero points
Price and provider: 739 from of all folks Chill and about 100 quid down from last year. Fully comp with agreed value. Oddly no open drive, but I care not TBH(and they told me if I needed that for a rental car/holidays or whatever just to give them a bell). Chill were a kind of Hail Mary last resort after another crowd after a year of near double the above price, decided to double it again and cover less and others just flat out refused or quoted what I consider telephone numbers(one broker quoted three grand). The chap on the phone from Chill that year when he came back to me was apologetic at the price and was confused at my glee.
Now to be fair I'm an old fart, I've never had any claim, never any points, or tickets before they came in and have always had pretty insurance unfriendly cars and am driving the above jalopy for 15 years and do low mileage. During the chat they did say all this very much stood to me. Especially the long term use of the older car. My risk is low. If I was looking for my first year insurance on the same car, or even a lower power/risk car of the same age well, good luck. Which to be fair is a nice change to hear. In previous years the length of ownership or the fact it's my "pet car" at this stage seemed to mean nada. I even checked this with a few saying I had the car a year or two and it made little difference. So yeah, it's nice to see some nuance come in. Rejoice in the awareness of feeling stupid, for that’s how you end up learning new things. If you’re not aware you’re stupid, you probably are.
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Your Age: 51
Car type and engine: 1998 Honda Integra Type R 1.8
years driving: 30+ with a full licence.
any claims: None. Zero points
Price and provider: 739 from of all folks Chill and about 100 quid down from last year. Fully comp with agreed value. Oddly no open drive, but I care not TBH(and they told me if I needed that for a rental car/holidays or whatever just to give them a bell). Chill were a kind of Hail Mary last resort after another crowd after a year of near double the above price, decided to double it again and cover less and others just flat out refused or quoted what I consider telephone numbers(one broker quoted three grand). The chap on the phone from Chill that year when he came back to me was apologetic at the price and was confused at my glee. Now to be fair I'm an old fart, I've never had any claim, never any points, or tickets before they came in and have always had pretty insurance unfriendly cars and am driving the above jalopy for 15 years and do low mileage. During the chat they did say all this very much stood to me. Especially the long term use of the older car. My risk is low. If I was looking for my first year insurance on the same car, or even a lower power/risk car of the same age well, good luck. Which to be fair is a nice change to hear. In previous years the length of ownership or the fact it's my "pet car" at this stage seemed to mean nada. I even checked this with a few saying I had the car a year or two and it made little difference. So yeah, it's nice to see some nuance come in.
I know this is off topic, any chance you could share a picture of the teg? Always wanted one but had to settle on clapped out dohc vtec civics0 -
Moderators, Science, Health & Environment Moderators, Society & Culture Moderators Posts: 60,075 Mod ✭✭✭✭ Join Date:Posts: 59004
Not a great shot CT, but...
Rejoice in the awareness of feeling stupid, for that’s how you end up learning new things. If you’re not aware you’re stupid, you probably are.
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barry181091 wrote: »Back again to the grind. I honestly don't know where the last year has gone
Like last year, most of the quotes I am getting this year are mad high, with one exception.
09 1.6D Fiat Bravo
Location: Cork city centre.
No points, convictions etc
1 NCB, 0 Named.
1 windscreen claim. Doesn't really seem to effect much
Current insurer: AA 1700 last year -> renewal quote of 2100. :rolleyes:
Below are in format last years quote -> this years quote with 1 year NCB. Comprehensive/TPFT
Liberty - 3800 Fully Comp -> 1849/1639 (TPFT)
25 plus.ie - 2593 (Standard) - 2737 (Xtra). (2427/2564 - 750excess) -> 2009/2172 Xtra
Acorn - Kennco 2285.47 (250 excess) -> 1398 RSA TPFT
Axa (Direct) - 2594 Compy, 2448 TPFT. -> 1760/1658 TPFT
Chill.ie - Axa 2430, Asgard 2778, Kennco 3203. All comp. Similar TPFT. -> RSA Sertus 1403/1280 TPFT
Its4women - 2792(Standard), 3012 (Extra), 2614/2820-700 excess -> 1336 Comp/1230 TPFT
Kennco (Direct) - 2894. (Comp)
Fresh quotes:
AIG - 1648/1484TPFT
Allianz - 2000 TPFT
Aviva - 1760/1658 TPFT.
FBD - 1891/1856 TPFT
XS Direct - 1780 Comp (3k Excess :pac: )
Quoteme.ie - 1962/1847 TPFT
Post - 1784/1650
And the quote I think I am going for?
Bank of Ireland - 922 (Popular) or 1011 (Prestige) TPFT / 943 (Popular) or 1034 (Prestige) Comp
I honestly don't know how theirs is so low. It appears its all to do with my address. My specific address gives this, but if I just put in the area it gives a quote about 500 higher. It seems to be a big in their system, but that isn't my fault :pac::)
Looks like I will not be getting any such good deal this year.
It appears prices have gone up, unless there is the one cheap company I have yet to contact.
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09 1.6D Fiat Bravo
Location: Galway city centre.
No points, convictions etc
2 NCB, 0 Named.
1 windscreen claim. Doesn't really seem to effect much
BOI renewal (RSA) came in at 977 (From 920 last year), I got them down to 930 though.
Others:
(Comp/TPFT - Most of these are online)
AA: 1177/1090. Would not come down on the phone other than a 40 euro CircleK voucher :rolleyes:
123.ie: 1754/1456
Acorn: 1080/973
Allianz: 1626/1585
Aviva: 1529/1403
Chill.ie: 1394/1322
FBD: 1945/1850
Liberty: 1389/1245
Supervalu: 1362/1364
Post: 1369/1259
Any ideas?0 -
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