Car insurance - tell us your quotes/renewals

Escapees

Holy crap, just got insurance renewal from chill.ie and noticed when going through one of the renewal documents that the insurer premium was a hundred quid less than what chill.ie are quoting me. Turns out their administration fee appears to have increased from €25 last year to €100 this year!! Ah lads, time to just get a fresh quote again from them online. Have only tried outsurance.ie so far after hearing about them here and they seem a good bit cheaper, although they insist on ringing you and getting you to tediously confirm every detail you've already entered online for a quote!

CoBo55

https://www.boards.ie/discussion/comment/123455106#Comment_123455106

They didn't with me, just my name address and date of birth for security reasons. I got queried at a checkpoint a few days ago, he ran a check on his phone to make sure I was insured as he'd never seen Outsurance before, all was good.

Escapees

Bizarre, they went through every single field I'd entered online for a quote and even did the phonetic alphabet check on every line of my address (which was pulled up based on the eircode!)! Maybe I got a newbie or something, but it felt like I had jumped back 30 years. Anyway, the quote was very good, but I noticed in the doc they sent that the excess would be 600 quid, which is a bit high. Will query getting a lower excess with them, although it's a pity I can't just do so online like with other crowds.

Fann Linn

https://www.boards.ie/discussion/comment/123456435#Comment_123456435

I also got a great quote off them today and again the excess was €600, however the operator I spoke to said I could alter that from between €300 to €1000, so I opted for the €300 excess.

Wasn't so much interested in no claims bonus however but like yourself he went through everything phonetically and checked and double checked everything, including the year I started driving and got my licence which is well over 30 years ago.

Escapees

https://www.boards.ie/discussion/comment/123475894#Comment_123475894

Snap, unbelievable quotes though - I asked afterwards to see how much extra it would cost to reduce the excess to something like 300 like with my current insurer and got requoted an annual premium of less than a tenner extra! Unbelievable value!!

Stewball

AIG renewal increased by €22. Which isn't much, but if I sign up on the AIG website as a new customer, the price drops by €45.

Pekarirska

49yo driving 2016 Nissan Leaf. Full licence, all NCB, driving other cars, comprehensive, breakdown rescue. Father-in-law on a learner driver permit.

Last year €590 with Allianz. Offered renewal at €810…. hmmmmmm….

Aviva €620
AA €640
Redclick €690
123.ie €700
AIG €930
Zurich and Outsurance won't quote online.

Aviva gives additional €20 off if my wife obtains a learner permit. It's official now that risk(s) go down if she's the one in charge 😁

bigboss1986

39y old 2008 Type R 2.0 GT 220BHP just got it 2 weeks prior renewal.

Last 9 y I had Scirocco GT 170 2.0tdi where insurance was 420-450 with Allianz

Type R:

Allianz 620€ fully comp

Axa 660 €

Fbd 770€

The rest online quotes didnt give me price like I would like to insure Ferrari 🤣

NATLOR

That time of year again, such a pain in the hole,can no insurance company just look after their customers instead of shafting them on year 2. I have changed every year for the last 5 years

Last year €317 Zurich fully comp. this year € 438

So far FBD 375, out 343

Will try 1 more but don't see out being beaten . Not bothering ringing Zurich not wasting a phone call with that increase

SCOOP 64

Still very cheap quotes.

CoBo55

https://www.boards.ie/discussion/comment/123529331#Comment_123529331

Try Zurich as a new customer, that worked for me for a few years until this year when they just took the urine... Oh, add ZUROBS as a discount code to get a bit extra off, it's the one big switch discount code.

NATLOR

It's all relative . The Zurich quote is close to a 40% increase

NATLOR

https://www.boards.ie/discussion/comment/123529387#Comment_123529387

Cheers I'll give it a go

corcaigh07

Zurich

Last year €362.60

Renewal Quote €487.43

Time to go shopping.

mickdw

As mentioned previously in thread. Outsurance very cheap but no protected no claims which to me is a major issue. I was on the point of buying policy on phone with them when I queried how much to add full bonus protection.... not offered.

in2dark

https://www.boards.ie/discussion/comment/123566129#Comment_123566129

In my case they were 80% more expensive than zurich plus no protected NCB

mickdw

I went with Zurich too. Good Price and looks to be good policy. 123.ie doubled their quote without reason.

dasa29

Age 49

Car 2012 Toyota Yaris

Points free

Comprehensive

2023 €419.70 (includes protected NCD at 49.97) AXA

2024 €464.08 (includes protected NCD at €59.40) AXA

This year €388.42 (includes Free lifetime NCD protection for staying with AXA for 10+ years without claims)

Also mentioned other cover option

Third Party fire & Theft: €367.17

Potential-Monke

Renewal due next week. 42m, 2010 E-Class 220d Coupe, 18 years full Irish licence, no claims ever, no points, living in an area not named in address searches, have a work van. Full payment, Fully Comp, Breakdown assist:

Renewal Aviva: €743.59 (think I got it for €720 last year, €626 the year before)

Chill (online): €640 cheapest, next was €850

Outsurance (call after failed online quote): €1500+…

I've stopped after that shock. I'll try again during the week, not in the form anymore today…

CoBo55

https://www.boards.ie/discussion/comment/123575206#Comment_123575206

I'd take the 640 price if it was my choice, the age of the car is going against you unfortunately.

SCOOP 64

https://www.boards.ie/discussion/comment/123575931#Comment_123575931

2010 really ?

CoBo55

https://www.boards.ie/discussion/comment/123576881#Comment_123576881

Once the car gets to 15 years old they charge extra, makes absolutely no sense I know especially with cars being so good now, but they do unfortunately.

Gooser14

https://www.boards.ie/discussion/comment/123566129#Comment_123566129

Last year Outsurance were the cheapest for a family members car. Like you they didn't like the fact that they don't provide NCB protection & went with AVIVA instead. As a risk adverse person I consider their cashback after 3 years claims free driving to be nothing short of gambling.

Bass Reeves

https://www.boards.ie/discussion/comment/123575931#Comment_123575931

I would check if the conditions are like for like. 15 years is no longer "old" for a car. Look at the cars around you on the road. It the car model I suspect.

Renewal this year 2010 RAV 2.2D Aviva 5 weeks ago was 380 euro approx. Shopped around was not able to beat it.

Farmer early 60's. Full NCB.

I tried Outsurance they would not quote as I use the car farming. Not really gone on there insurance model as it traps you to get the 10% back. As well there lacknof bonus protection is a minus.

CoBo55

https://www.boards.ie/discussion/comment/123577392#Comment_123577392

There was a condition on my last insurance policy I had with Zurich that driving other cars didn't cover me on anything over 15 years old. Younger drivers that I know can't get cover on cars of that age or older.

Potential-Monke

https://www.boards.ie/discussion/comment/123575931#Comment_123575931

Thankfully, I stuck to my guns and got a few more quotes in the last hour:

Chill: €640 (and I accidentally got 2 more quotes today, €723 and €740 with the same details…)
Outsurance: €1500
FBD: €741.49
Allianz: €440.18

Before additional add-ons because Allianz quote was excellent with everything added:

Zurich: €541.02
AIG: 1075.23
An Post: €584.70
Axa: No quote
Quote Devil: €648.43 (Allianz)

So yes, I went with Allianz. It was €338 before adding breakdown, windscreen, driving other cars and full NCD protection. Only a €250 excess too. I'm in shock, but the opposite of yesterdays shock.

Also something I noted with most insurance companies. If you pay in full it's X amount, but paying in instalments, the additional cost varied wildly. With Allianz, if I wanted to pay by DD, it added about €30 more. One of the ones above added €130! I paid in full, but surely it's not right that one crowd can charge only €30 while another fleeces you?

Car insurance in Ireland is still a complete farce, nothing has changed since they were given a warning a few years back. There's still a cabal there dictating crazy prices… The CCPC are absolutely useless, and the Financial Services Ombudsman is non-existent. Or if I picked the wrong quangos, then whichever one is supposed to keep insurance in Ireland in check is MIA.

Finally, for shigs and giggs, I decided to see how a quote would change if I changed my extremely safe, strong Merc for the worst and most dangerous car I've ever driven, a 222 Citroen C3 Aircross. Both my knees, my lower back and shoulders were close to having permanent injuries due to how badly this vehicle is designed. It also uses a Temu level dangerously unresponsive touch screen which is below the road line (so you've to look away), it's bouncy, it's tiny and made of tin, and the safety features are broken and distracting… But it brought a quote with KennCo from €800 down to €650…

Gooser14

https://www.boards.ie/discussion/comment/123578231#Comment_123578231

I think the €30 for paying Allianz via monthly DD is misleading. The €30 is a service charge & does not reflect the total difference in cost.

I have checked my payment options & it shows:

1. Annual payment through MyAllianz €422.96
2. Paying via call centre, post or cheque, - Annual Payment €445.21
3. Rregistered on MyAllianz - Monthly Direct Debit €480.83
4. Not registered on MyAllianz - Monthly Direct Debit €506.16

In options 3 & 4 the Premium, including Gov Levy, is €445.21 & €468.67 respectively without the respective service charges of €35.62 & €37.49 making the total due €480.83 & €506.16.

As you can see the difference between the lowest (€422.96) & highest (€506.16) amounts quoted is €83.20.

Potential-Monke

Still better than €130! And I'm pretty sure it showed Total Cost when it offered it to me. Don't matter anyway, all sorted!

Esel

Paying by instalments attracts a higher premium AFAIK.

Deub

I receive my renewal and not a nice surprise. Like many here, it almost 100€ more expensive:

Age: 43

Car 191 Juke (yes, I like my sport car)

Insurance: liberty, now Red click

Last year: 477€

This year: 565€

I tried to shop around but nothing comes cheaper