Car insurance - tell us your quotes/renewals

Sue Pa Key Pa

Special Circumstances wrote: »

http://www.telegraph.co.uk/finance/personalfinance/insurance/motorinsurance/11521781/Men-are-still-charged-more-than-women-for-car-insurance-despite-EU-rule-change.html

Insurers can 'risk assess' that women have fewer, or less expensive, accidents than men. They can identify occupations, types of cars and other features usually associated with a particular sex. When they have identified such a profile, they compete hard for that business. However, the same rate must be offered to both sexes. There should be no discrimination based on gender.

duffman3833

Sue Pa Key Pa wrote: »

There should be no discrimination based on gender.

well that's still not the case, doing quotes online, still favors women

Sue Pa Key Pa

duffman3833 wrote: »

well that's still not the case, doing quotes online, still favors women

If it is a different premium for the EXACT circumstances other than gender, you should contact the Regulator.

Autosport

Claire Byrne Live is going to talk about Car Insurance with the insurance industry

The Guvnor

Lads whether it favours men or women, I think unfortunately we are all being screwed - the only difference is by how much!:eek:

Autosport

CEO of Insurance Ireland on now

seller2345

Really struggling with car insurance this year and don't know why...

Gender: female
Age: 30
Car: 2010 Peugeot 308
NCD: 7 years
License: full for the last 8 years, 3 penalty points
Cover: comprehensive, NCB fully protected
Best quote: €956 with AIG through its4women
Worst quote: €3968 with Aviva through Chill

I heard insurance costs were rising but this seems ridiculous!

vandriver

seller2345 wrote: »

Really struggling with car insurance this year and don't know why...

Gender: female
Age: 30
Car: 2010 Peugeot 308
NCD: 7 years
License: full for the last 8 years, 3 penalty points
Cover: comprehensive, NCB fully protected
Best quote: €956 with AIG through its4women
Worst quote: €3968 with Aviva through Chill

I heard insurance costs were rising but this seems ridiculous!

What was the 3 point offence,and did you have get the points this year.

seller2345

3 points for exceeding the speed limit (57km in a 50km zone) in July this year. Do you think that's the problem? I always though one offence didn't affect insurance cost but maybe that's changed..

MayoForSam

Gender: M

Age: 48

Car: Volvo S40 2.0D (25000 miles per year)

NCD: 7+

Licence: Full 20+ years, 0 points

Cover: Fully comprehensive, windscreen cover

Last years premium: 486 (AIG using XLNTdriver app)

Best quote: 548 (AIG renewal)

Not too bad at all, I was expecting a lot worse.

brock92

Gender: Male
Age: 39
Car: 2008 Volvo S40 1.8
NCD: 9+ years
License: full for the last 8 years, 0 penalty points
Cover: comprehensive, NCB fully protected, Wife is also down as 2nd driver
Best quote: €454 An Post & Aviva (exact same quote)
Worst quote: €713.89 123.ie

And I have been with 123.ie for last 6 years, they were always the cheapest I could find until this year

vandriver

seller2345 wrote: »

3 points for exceeding the speed limit (57km in a 50km zone) in July this year. Do you think that's the problem? I always though one offence didn't affect insurance cost but maybe that's changed..

Put all your details in the same,but omit the points.You'll find out quick enough.

Four Phucs Ache

Gender : M
Age :35
Car : 04 focus 1.4
NCD : 10 +
Lic : full Irish 12y ...0 points
Cover : fully comp protected ncd
Best : BOI 347
Worst : axa 680

Last year with BOI : 302

CitizenFloor

Gender: M

Age: 34

Car: 08 Golf Sportline 1.4 (120bhp)

NCD: Full

Licence: Full, 7 years, no points

Cover: Fully comp, protected

Renewal: Aviva €470

Best quote: Yet to shop around.

James Bond Junior

Gender: M

Age: 29

Car: 06 Volvo S60 d5

NCD: Full

Licence: Full, 8 years, 4 points

Cover: Fully comp, protected

Renewal: Cornmarket €788 (05 Mondeo st last year was €636 and a change to a S60 d5 at the time added €500 on)

Best quote: Yet to shop around.

donkey balls

Gender : M
Age :43
Car : 13 Audi A4
NCD : 19
Lic : full Irish 19y ...0 points
Cover : fully comp protected ncd
Best : Arran insurance 675
Worst : AIG 1100

I got rid of a perfectly good working car due to its age and companies refusing to insure the car, So went up a few years and the average price I'm getting is around the €900 mark.

MintyMagnum

M7roadrunner wrote: »

37 y.o. Full licence held 16yrs, 8years ncb driving 1998 1.7dsl Bmw.
Last year paid under €350 fully comp.,
Renewal quote this year is €760.
I assume that it's the age of the car that's doing me harm but it was still over 15years old last year and my insurance was less than half the renewal price.

Have you gotten any better rate since?

Paudee

My lesser half is after getting a renewal quote from An Post.

28
Female
5 Years NCB
Full Licence
No claims
Driving an 06 Almera
Myself as named driver 29 male and have own car.

€1180

Here's the kicker, I had a look at her policy
- 3PFT
-No NCD protection
-No windscreen cover
-No driving other cars
Literally zero extras.

That's an absolute disgrace. For the laugh I started looking around and am after getting a quote on a Petrol Octavia VRS for €200 euro cheaper Fully Comp with all the trimmings. Explain that one.

Sue Pa Key Pa

Paudee wrote: »

Explain that one.

When you buy cover online from organisations not directly involved in insurance, the offering is usually inferior. The insurer underwriting the cover usually tailors a 'yellow pack' product at a reduced rate to take advantage of the organisations client base

Paudee

Sue Pa Key Pa wrote: »

When you buy cover online from organisations not directly involved in insurance, the offering is usually inferior. The insurer underwriting the cover usually tailors a 'yellow pack' product at a reduced rate to take advantage of the organisations client base

I see.

Rang An Post this evening. Explained my predicament. They quoted me €788 TPFT and €935 Fully comp with no claims protection on the Almera.

Asked about a VRS for the laugh. €80 cheaper. Going car shopping at the weekend.

FWIW, we live in a particularly high risk area for insurers.

James Bond Junior

James Bond Junior wrote: »

Gender: M

Age: 29

Car: 06 Volvo S60 d5

NCD: Full

Licence: Full, 8 years, 4 points

Cover: Fully comp, protected

Renewal: Cornmarket €788 (05 Mondeo st last year was €636 and a change to a S60 d5 at the time added €500 on)

Best quote: Yet to shop around.

Shopped around today. Mainly in and around 1500 even as far up as 2200. Madness.

Managed to get it for 705 in the end from Cornmarket.

nd272

Quote

Gender: Male

Age: 25

Location: Wicklow

Car: 05 Integra Type R

Licence: Full, 2 yrs

NCD: 4 years

Cover: Everything- Fully comp/Open driving/NCB Protection

Price: €3590 Britton

wotzgoingon

nd272 wrote: »

Quote

Gender: Male

Age: 25

Location: Wicklow

Car: 05 Integra Type R

Licence: Full, 2 yrs

NCD: 4 years

Cover: Everything- Fully comp/Open driving/NCB Protection

Price: €3590 Britton

Fúck that is some price. I know it is a Jap import and decent power but still.

vandriver

My brother in Manchester has just insured his son(17) who's just passed his test in his own name on a Hyundai i10 for £850.

dennyk

Gender: Male
Age: 36
Location: Clare
Car: 2006 VW Golf 1.6l Petrol
Licence: Full Irish, <1 yrs (full US for 15 years prior)
NCD: 5+ years
Cover: Full comprehensive, €300 excess, NCB step-back, windscreen cover

So last year Liberty was the only one who would insure me on a US license. They accepted my US insurer's no-claims history, so I got the full NCB discount; came to €807. This year, after getting my full Irish license, they quoted me €1310 for a renewal! :eek:

Called around a few places. AIG, Chill, and Bank of Ireland all refused to quote me because I've only been resident in Ireland for a year (they all required at least three years of residence). Allianz, however, was willing to give me a quote: €688 for the same coverage and extras as Liberty. So Allianz it is for me this year, I guess. :pac: Hopefully they stay reasonable for next year's renewal as well, until the other places are willing to quote me.

ScouseMouse

The wifes insurance is up next month so the fun and games have started.

2010 Mondeo Titanium X, 2l turbo 140 power.

Have 9 years certified NCB and would like to keep it.

Herself main driver, hubby named, living in Dublin 24

Renewal from Aaron Insurances with Allianz, all bells and whistles, €936

First Ireland in Leixlip yesterday quoted €760

FBD online €750.

Aviva online with "8 weeks free and online discount" €951

AA online €750, BUT, phone call from them this morning. May be able to do something. Got a quote for 680 odd, but if you join AA, the quote drops more than the AA membership! Go on I say, €200 euro for AA (yeah right!), but I can give it to you for 80 odd euro, that brings your car quote down to €540 (plus 80 for the membership). Includes full NCB protection, full AA cover, Homestart, driving other cars, etc etc

WHERE's ME FECKING CARD !!!

9935452

ScouseMouse wrote: »

The wifes insurance is up next month so the fun and games have started.

2010 Mondeo Titanium X, 2l turbo 140 power.

Have 9 years certified NCB and would like to keep it.

Herself main driver, hubby named, living in Dublin 24

Renewal from Aaron Insurances with Allianz, all bells and whistles, €936

First Ireland in Leixlip yesterday quoted €760

FBD online €750.

Aviva online with "8 weeks free and online discount" €951

AA online €750, BUT, phone call from them this morning. May be able to do something. Got a quote for 680 odd, but if you join AA, the quote drops more than the AA membership! Go on I say, €200 euro for AA (yeah right!), but I can give it to you for 80 odd euro, that brings your car quote down to €540 (plus 80 for the membership). Includes full NCB protection, full AA cover, Homestart, driving other cars, etc etc

WHERE's ME FECKING CARD !!!

If you fo with the AA option , just know that they will automatically renew it next year if you dont cancel it at the high rate

fermanagh_man

Gender: Male
Age: 31
Location: Dublin
Car: 2008 Opel Astra 1.7 Diesel
Licence: Full UK 3yrs
NCD: 3 years
Cover: Full comprehensive with windscreen, breakdown over

Last year - 854 with Allianz through Glennons

Renewal - 882

The renewal is the cheapest I can find
AXA 912 was the next best option

bigboss1986

Wife's renewal:
Age:30
Location: Co.Galway
Car: 2013 1.5dCi Megane
Licence: Full 5y
NCD: 5 years
Cover: Full comprehensive with windscreen, breakdown over and driving other cars
ME as named driver with 3 points
Last year 676

Renewal from Post Insurance(aviva) 1021 incl renewal fee of 50(!!!!!!!!!)
Did few quotes online as I didnt have time to call.I was looking for same level of coverage as renewal.
BOI :878
AXA:950
Allianz 1012
Liberty:965

Will try few more tomorrow

CramCycle

bigboss1986 wrote: »

Renewal from Post Insurance(aviva) 1021 incl renewal fee of 50(!!!!!!!!!)

This is actually a thing?!? FFS. I would be less offended if they just increased the premiu by 50euro and not included that charge. It's offensive to my intelligence. Insurer: Your premium is only X this year
Me: Its actually X + 50euro
Insurer: No it is only X, your getting a great deal
Me: So I don't have to pay the 50euro
Insurer: No, but then you won't be insured, but at least your premium is only X and we can advertise X
Me: https://youtu.be/XNoIU786-W0?t=7s