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Car insurance - tell us your quotes/renewals

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  • Registered Users Posts: 1,547 ✭✭✭Hibernicis


    Just be careful that the policy terms and cover you get from the OBS quote are the same as those you already have. Zurich's broadest cover is offered by their "Comprehensive Plus" package. The quote generated via OBS will give "Comprehensive" which omits some of the items that are included under "Comprehensive Plus"



  • Registered Users Posts: 9,075 ✭✭✭CoBo55


    Easy enough to select comprehensive plus when on the Zurich website, in my case it was only an extra €30, well worth the money. I have full NCB protection too, got stung once with step back protection, won't be getting stung again.



  • Registered Users Posts: 1,547 ✭✭✭Hibernicis


    Agree with all that. The issue is that "Comprehensive Plus" isn't an option when getting a Zurich quote via OBS, that quote is issued with the regular "Comprehensive" cover only. Hence my post making people aware of this and ensuring that they are comparing like with like.



  • Registered Users Posts: 9,075 ✭✭✭CoBo55


    Very true. Certainly worth pointing out, in fairness to Zurich it's a well laid out website which helps.



  • Registered Users Posts: 14,026 ✭✭✭✭Potential-Monke


    Wouldn't even get me an online quote with OBS… But First Ireland have given me the lowest so far, €877 on initial quote (lowest initial) and when they rang 10 minutes later, we got it down to €775. May be good for some. Cheapest I've managed so far.



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  • Registered Users Posts: 2,522 ✭✭✭ILikeBoats


    What's OBS?



  • Registered Users Posts: 1,735 ✭✭✭lalababa


    Licence 25yrs, full ncb, 20yr old 1L hatchback. Comp with no ncb protection. No opendrive. Was with axa for a few years generally around 450 (stepback + opendrive). This year 570 so searched around and found aig through chill for 430. Talked to axa firmly , they could only go to 540. Couldn't find the 430 quote reference so had to take 475 from chill/aig. Probably will go back to axa next year🙄.

    What's the story (ive found) with comp insurance on a 20000 euro car being 200 cheaper than comp on a 1000euro car? In what world does that make sense....



  • Registered Users Posts: 6,806 ✭✭✭The Continental Op


    Wake me up when it's all over.



  • Registered Users Posts: 9,075 ✭✭✭CoBo55


    One big switch. You sign up to them and receive emails with deals on insurance, BB, electricity etc.



  • Registered Users Posts: 352 ✭✭in2dark


    I called them, gave them the quote number from the OBS and they informed me about the comprehensive plus cost (extra 40 euros)



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  • Registered Users Posts: 562 ✭✭✭dasa29


    Age 48

    Car 2012 Toyota Yaris

    Claim free 5 years

    Points free

    Comprehensive

    Last year €419.70 (includes protected NCD at 49.97) AXA

    This year €464.08 (includes protected NCD at €59.40) AXA

    Also mentioned other cover option

    Third Party fire & Theft: €451.76



  • Registered Users Posts: 6,806 ✭✭✭The Continental Op


    Did you ring them. I always get something off from AXA even if its 5%.

    Wake me up when it's all over.



  • Registered Users Posts: 562 ✭✭✭dasa29


    Not yet only got the Quote today in the post, so I will look around first and see how I get on with other companies regarding Quotes.



  • Registered Users Posts: 14,026 ✭✭✭✭Potential-Monke


    Update, somehow managed to get a quote of €650 online with 123.ie, so I recommend give them a try. Lowest I'll likely get going on searching for the last month. Fully comp, full NCB protection, all the usual extras, breakdown assist, etc.



  • Registered Users Posts: 9,017 ✭✭✭Tom Cruises Left Nut


    Age 44

    Also wife age 25 with a provisional as a named driver

    Car 2023 Megane Etech

    Claim free 5 years

    Points free

    Comprehensive

    €380 with Aviva Direct

    Was 800+ with getsetgo last year



  • Registered Users Posts: 21 routetoot


    20 year old driver with 2 years clean driving under belt under own policy. (1k with liberty in year 1 and same in year 2. )

    Quotes for Fully Comp:

    An Post 4300
    Nearly everyone else 1500-3600
    Zurich with the 20% code 1260 (added on some extras)
    Zurich with a black box from 645 (didn't enquire about this offer so not sure what it entails)

    Allianz 745 (added some extras - about 830). Went with this one.



  • Registered Users Posts: 14,026 ✭✭✭✭Potential-Monke


    In the end, got Full comp with all the bells and whistles including Full NCB protection and step back for €617. Aviva of all people. Quotes came down to below €800 the last few days, most likely vying to get my custom 2 days before it renews. Thought getting earlier quotes would be cheaper, appears to not be the way.



  • Registered Users Posts: 848 ✭✭✭raxy


    I've heard at the end of the month can be a good time as they have targets to meet so you can get a deal as they jus want the sales. I've never noticed much difference when I'm looking though



  • Registered Users Posts: 6,383 ✭✭✭corcaigh07


    Last Year: 367.93 (for a Passat 11 1.6 TDI)

    This year: 366.87 (for an Octavia 172 1.0 TSI)

    Through Allianz fully comp. Good renewal quote but I would have expected it to go down a bit more with the newer car. Also didn’t budge on price over the phone.

    Went with Zurich OBS for 362 with a better level of comp cover than Allianz.



  • Registered Users Posts: 9,075 ✭✭✭CoBo55


    What do you think of the Octavia? I bought one new, sadly it turned out to be the worst car I ever owned, it was DSG.



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  • Registered Users Posts: 6,383 ✭✭✭corcaigh07


    Mine is probably at least a gen behind yours but yea, lovely car and 1.0 petrol surprisingly nippy. Bit of boomy cabin noise though.



  • Registered Users Posts: 9,075 ✭✭✭CoBo55


    Sorry I meant I bought it in October 2017, one of the first of the FL cars. I never cracked 50 mpg in it when others with identical cars were boasting 60 even 70 mpg.



  • Registered Users Posts: 1,111 ✭✭✭freddyuk


    Here we go again!

    The Wife has had our 2018 Skoda registered in her name as she lost her UK NCB after many years of claim free driving due to the Irish system. Since then she has built up her own NCB of 6 years on her Irish licence. Last year I went with AA (Zurich) at €400 Fully Comp. Their quote this year on exactly the same terms €779.81. No claims ever. Retired drivers. Low annual mileage. Two cars in the family.

    We had a tree fall on the car which left a lot of dents. I paid for the repairs as the impact on our insurance would have been very expensive. I hate to think what the renewal would be based on the above if I had claimed.(Act of God)



  • Registered Users Posts: 8,520 ✭✭✭jmreire


    This is in reply to a comment CoBo55 made on the bangernomics thread to my post, and I was told by the moderator to move it here. And while not directly connected to the subject of this thread, it is an insurance issue, and an important one at that. Anyway, hereunder is the conversation that was moved:

    Quote"CoBo55:Rubbish, the most that can happen is she loses her NCB if it wasn't protected, almost every policy has step back protection so she'd only lose half of her NCB.Edit, just saw the post asking to stop the off topic discussion, I'll say no more on this thread."UnQuote.

    First, before you jump in with your rubbish comment, you should have asked for a bit more information about the case. So some background info for you: The Lady in question is from Malaysia and has been in Ireland for several years now. She is working as a cleaner and God knows, they are not the best paid jobs in Ireland. So, when insuring her car, all she could afford was basic legal requirement of 3rd party, Fire and Theft. And as you should know, Comprehensive (basic) or Comprehensive (Plus) step back no claims protection, or full no-claims protection, open driving of other people's cars (basic) or open driving of other people's cars (full comprehensive) are all expensive add-ons. And like many other people in Ireland, she was unable to afford all the extras, and hit with the full whack, and that's why she is now off the road and out of a job.

    Now CoBo55, you still think that it's rubbish. or just you jumping into a conversation without knowing all the facts?



  • Registered Users Posts: 9,075 ✭✭✭CoBo55


    How many years NCB had she accrued when the accident happened? There's a common misconception that when you have a claim made against you, you end up paying for the damage, you don't, you lose your NCB and start again. I seriously doubt her renewal was "thousands". It happened my daughter in her first year's driving, she paid 1200, had a minor tip, your one snook off and claimed and unfortunately on her renewal it was still 1200. You need to have 3 years NCB built up before you can get protection. My daughter only had tpft as well, she isn't Malaysian as if that makes any difference, don't know why you brought that into it...



  • Registered Users Posts: 2,979 ✭✭✭Eggs For Dinner


    Agree. Insurers are in the business of paying legitimate claims. It would serve no purpose for insurers to 'punish' their clients where they cannot afford premiums. Poster should have been referred to the Ranting & Raving forum instead



  • Registered Users Posts: 9,075 ✭✭✭CoBo55


    Nice the way he copied and pasted my reply to his post but didn't copy and paste his post where "a n-other" had a tip and the other driver claimed against her, her renewal cost "thousands" which the poor crater couldn't afford thus depriving her of a living as she could no longer drive. A complete load of bollox unless said unfortunate wasn't actually insured at all🤔



  • Registered Users Posts: 8,520 ✭✭✭jmreire


    I take it that you have never had to claim off your insurance. Insurance companies are profit making businesses, and they are focused on reducing losses and increasing profits. So a slight bumper to bumper tip can and unfortunately does result in injury claims costing thousands of €'s and it happens far too often. If you don't have bonus protection, then you will have a problem. If it ever happens to you then I'm sure that we will see some fine examples of ranting and raving, but with good reason then,



  • Registered Users Posts: 8,520 ✭✭✭jmreire


    Why don't you post it yourself if it bothers you that much? After all, its your post. As for the Malaysia part, most if not all foreigners are on poor hourly rates of pay, and that was included to provide background 2nd, after the accident she had to return home to Malaysia to nurse her sick mother, and she was gone for 3 mths, It was only when she returned and opened her mail she discovered the increase in her insurance premium. Obviously, the other lady involved had discovered hitherto unknown aches, pains and soft tissue injuries etc. after taking advice, and the cost rose from a simple bumper repair to extensive medical costs and compensation. I'm not sure how many years no claims protection she had built up by the time of the accident, I'll find out though, but in any case, she's unable to afford the renewal.



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  • Registered Users Posts: 9,075 ✭✭✭CoBo55


    I did claim off my insurance and the renewal was just over 600 up from 300 odd euro as I only had step back protection at the time (2017). The total cost of the claim was just under 4000 euro. I renewed at the 600 and the following year they wanted the same again so I moved to another insurer declaring the claim and saving 150 euro in the process. When I reached full no claims I made sure to have full NCB protection from then on. I've dispelled a lot of myths there haven't I?



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