Car insurance - tell us your quotes/renewals

Liam McPoyle

Zonda999 wrote: »

I did but unfortunately its a similar price to my renewal quotation. As well, just a minute ago, I tried another online quotation with Liberty...I increased the value of my car from €4500 to €5200 and added my Mother (In her sixties) to the policy and it magically dropped to €699 for comprehensive (Or €555 for TPFT). I'll chance a few more places but I doubt I'll do better than that.

If you have the time I'd suggest making a few calls tomorrow.

When doing quotes online the price is the price but most companies would have a bit of scope for discount over the phone. Brokers like Chill for example would have a broker fee of €40 to €50 built into their online prices which if pressed over the phone they may reduce.

shanec1928

Gender: M

Age: 23

Car: 11 1.6 bluemo golf

NCD: 4

Licence: Full 5 year

Cover: Fully comp,

Best quote: €1150 same as last year current insurer came back with 1600

pudzey101

Gender: Male
Age: 26
Car: 06 Mondeo 1.9 tdci
Licence: 8 years
Points: 0
No claims: 8 years Cover: Fully comp
Price: €827
Company: Aviva

** Just to add insured a zx6r (kawasaki ninja 600cc) sportsbike on a permit with 0 NCB for just under 500 and tax for the year 88e **

Just doesnt make sense ....

Liam McPoyle

pudzey101 wrote: »

Gender: Male
Age: 26
Car: 06 Mondeo 1.9 tdci
Licence: 8 years
Points: 0
No claims: 8 years Cover: Fully comp
Price: €827
Company: Aviva

** Just to add insured a zx6r (kawasaki ninja 600cc) sportsbike on a permit with 0 NCB for just under 500 and tax for the year 88e **

Just doesnt make sense ....

Chances are if you have a bad crash on a motorbike you are only going to kill yourself.

A bad accident in a car can potentially kill multiple people.

The third party risk for cars is exponentially higher than for bikes.

9935452

Saul T Nutzz wrote: »

Chances are if you have a bad crash on a motorbike you are only going to kill yourself.

A bad accident in a car can potentially kill multiple people.

The third party risk for cars is exponentially higher than for bikes.

And bikes seem to do very low mileage in a year.
And as the weather gets worse with the winter coming in people use bikes less

Sue Pa Key Pa

Wife's car

Age; Holding Well
Car; 2007 Ford Focus, 1.4
Full Licence, now points, claims, max NCB
Cover; Comp with protected NCB

Last Year; €295 (Patrona Underwriting)
Renewal Quote; €504
Best alternative so far; €329 Aviva Direct, a few more to try yet

SpannerMonkey

Gender: Male
Age: 32
Car: 08 Bmw 730d Sport (3 litre 231bhp)
Licence:Full for 9 years
Points: 0
No claims: 9 years
Cover: Fully comp
Price: €860
Company: Aviva


initially my renewal price was €1047 but after i rang them up and asked for a discount they dropped it to €860 . by far the cheapest i could find but still up from €490 last year . next cheapest was Blue insurance at €992 Bank of ireland at €1010 . the dearest was liberty at something like €4000

boardsuser1

SpannerMonkey wrote: »

Gender: Male
Age: 32
Car: 08 Bmw 730d Sport (3 litre 231bhp)
Licence:Full for 9 years
Points: 0
No claims: 9 years
Cover: Fully comp
Price: €860
Company: Aviva


initially my renewal price was €1047 but after i rang them up and asked for a discount they dropped it to €860 . by far the cheapest i could find but still up from €490 last year . next cheapest was Blue insurance at €992 Bank of ireland at €1010 . the dearest was liberty at something like €4000

Isn't blue insurance a 2 year policy?

SpannerMonkey

KC161 wrote: »

Isn't blue insurance a 2 year policy?

they do 2 year policies but that was a price for 1 year . they only offer 2 year policies on cars with engines smaller than 2.2 litre

galwaytt

Gender: Male
Age: 49
Car: 01 Audi TT225 1.8 petrol. 5k kms annual mileage
Licence: 30 years - RoSPA Advanced and IAM advanced as well.....
Points: 0
No claims: Max - 10+ years
Cover: Fully comp
Price: 2016 - €1,016 - €1,249 (2015 = €530)
Company: various

** Just to add insured an 1450cc H-D for €360 full comp **

Just doesnt make sense ....

cocoman

galwaytt wrote: »

Gender: Male
Age: 49
Car: 01 Audi TT225 1.8 petrol. 5k kms annual mileage
Licence: 30 years - RoSPA Advanced and IAM advanced as well.....
Points: 0
No claims: Max - 10+ years
Cover: Fully comp
Price: 2016 - 1,016 - 1,249 (2015 = 530)
Company: various

** Just to add insured an 1450cc H-D for 360 full comp **

Just doesnt make sense ....

Insane

Insurance renewal just came in and have been shopping around. Will post details later. Quick question though, Quote Devil is coming in slightly higher than 25plus but have heard a few bad stories about 25plus. Would it be worth paying €30 extra and going with Quote Devil?

Quotes aren't too bad considering what's been posted here. Will post full details after a few more quotes come in.

cplwhisper

Google review the underwriters.. both agents/brokers have had bad reviews when trying to get through on phones.

cplwhisper

Check the underwriters are both could be same, confirm you have at minimum a step-back bonus protection, conform if F&T claims effect the policy

Edgarfrndly

SpannerMonkey wrote: »

Gender: Male
Age: 32
Car: 08 Bmw 730d Sport (3 litre 231bhp)
Licence:Full for 9 years
Points: 0
No claims: 9 years
Cover: Fully comp
Price: €860
Company: Aviva


initially my renewal price was €1047 but after i rang them up and asked for a discount they dropped it to €860 . by far the cheapest i could find but still up from €490 last year . next cheapest was Blue insurance at €992 Bank of ireland at €1010 . the dearest was liberty at something like €4000

The mind boggles.

I've a 1.6 litre mini cooper. 8 years no claims / full license. No penalty points. 33 years old. Cheapest I can get a renewal with aviva is 1000. Your car is far more powerful.

Liam McPoyle

Edgarfrndly wrote: »

The mind boggles.

I've a 1.6 litre mini cooper. 8 years no claims / full license. No penalty points. 33 years old. Cheapest I can get a renewal with aviva is 1000. Your car is far more powerful.

Insurers generally don't like Minis.

My wife has one at the moment and the best we could get at her renewal in May was €610 with Allianz. Next after that was AIG at €820.

Edgarfrndly

Saul T Nutzz wrote: »

Insurers generally don't like Minis.

My wife has one at the moment and the best we could get at her renewal in May was €610 with Allianz. Next after that was AIG at €820.

I was with AIG last year for 540, but this year they wanted 1250. Shopping around like crazy right now. 25plus.ie was very cheap but the reviews of their customer service seems to be horrid, so I'm not sure if it's worth it. Will try Allianz next - thanks.

wotswattage

Gender: Male
Age: 31
Car: 2007 Mazda 6 M P S (260bhp)
Licence:Full for 8 years
Points: 0
No claims: 8 years
Cover: Fully comp
2015 Price: €680
Company: Axa

2016 renewal price €1520 (got them down to €1200 on the phone)

Did a good bit of searching online best was An Post €707! Not a huge increase on last year so I guess I'm happy but it should be going down not up. I'm a year older with a year more no claims. An Post only recognise 5+in any case.

Funny (not actually funny) that Bank of Ireland were highly recommended on this thread but they were my highest! They are literally pulling numbers out of a hat!

Many of the insurers also have completely different comprehensive policies with loads of extras some useful some probably useless. Mine is no frills bar having stepped back NCB, windscreen and breakdown.

-An Post €707
-123.ie €805
-Allianz €840
-Super Valu 3rd party f+t €850
-AA €883
-25 plus €890
-Campion €1120
-AXA €1200
-Chill Quick quote was around €800 but it went to €1400 for the full quote
-Bank of Ireland €1428
-Blue insurance no quote
-Zurich No quote online
-FBD No quote online
-Aviva No Quote online
A few others were so high I didn't even bother taking the price down...

Special Circumstances

Bizarre, An Post wouldn't touch me! No at fault claims, no points, max bonus.

Gender: Male
Age: 46
Car: 2011 Renault Fluence
Licence: Full for 22yrs
Points: 2 - Speeding in 2014
No claims: 9+ years (never had claim)
Cover: Fully comp with full NCD protection, Windscreen and breakdown cover
2015 Price: €420
Company: 123.ie

All quotes include spouse as named driver with no points, full licence 10+ years, full no claims and own insurance and car.

Quotes so far:
123.ie: €567
Alliance: €580
25plus (AIG): €455
AIG: €560
Aviva: €577
Quote Devil (Zurich): €478
Chill: Between €860 and €1900
An Post: No online quote, have to call

So, I might be tempted to go with Quote Devil. Still 3 weeks to renew so will make a few calls. Would prefer to go with one of the big name insurers directly if possible. Chill.ie are a disaster, they must not want any business!

Timooo_23

Gender: Male
Age: 27
Car: 2007 Honda Civic Type R
Licence: Full Irish 6 years
Points: 0
No claims: 4 years
1 claim just over 4 years ago
Claimed €1500, not my fault (which doesn't matter it turns out)
Cover: Third party fire and theft. Windscreen and breakdown cover

2016 price: Renewal with Aviva : €3985

Best quote : €1800 xs direct (€3000 excess)

2015 Price: €1100 fully comp
Company: Aviva

Most insurers, and I called all of them, would not quote the car. At all. The ones that did varied from €2500 to €5450!

I know it's a performance car, but seriously... I was told I should sell my car because next year it'll probably double again.

Special Circumstances

Unless your occupation involves setting up explosives in remote places at night while drunk, or you are an electronic engineer, it looks like 2points is enough to trigger the old "we need to talk" with an post. Jaysus.

Kintarō Hattori

Haven't the insurance industry said this week that we can expect 2017 prices to be higher again?

Autosport

Kintarō Hattori wrote: »

Haven't the insurance industry said this week that we can expect 2017 prices to be higher again?

Where did you hear that??? That actually breaks my heart

Special Circumstances

Autosport wrote: »

Where did you hear that??? That actually breaks my heart

The beatings will continue until morale improves

Autosport

Special Circumstances wrote: »

The beatings will continue until morale improves

Then AutoSport will just be Sport, can't take much more

Kintarō Hattori

Autosport wrote: »

Where did you hear that??? That actually breaks my heart

Here's why your insurance premiums look set to rise more this year http://jrnl.ie/3000662

Special Circumstances

Kintarō Hattori wrote: »

Here's why your insurance premiums look set to rise more this year http://jrnl.ie/3000662

Some glorious gibberish in that piece "we'll have to charge more so that we become profitable so that we can charge less". What the fup is going to magically change in the costs side that will allow them to charge noticeably less after being profitable for a few quarters?

vandriver

So the insurance companies need to increase their income by about 40% to break even without investment income included.I'd say they've achieved that this year.

bruce wayne

Galwaytt - That is insane.

My renewal just came this morning exact same car and mileage as you, I'm 41 and in Dublin.

Last year was €480 this year they want €734. I have started the ring around yet...so we'll see where we end up!