Car insurance - tell us your quotes/renewals

JamboMac

CramCycle wrote: »

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

Same with the AA thought my whole quote was with the AA membership a week later 96 euro charge

39 year old driver with 4 years no claim.Fully comrehensive.
Audi TT Mk2, 2l petrol
805 last year, just been asked to fork out 1095 which is about a 26% increase!

bigboss1986

bigboss1986 wrote: »

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

Forgot to mension that my wife has FULL BONUS PROTECTION added.Is it worth getting?In the event of claim she will still has to tell next insurer that she made a claim.If im going to remove that I can save around 100€.Opinions?

StiffOldMan

Gender: Male
Age: 35
Location: Kildare
Car: 2005 Seat Leon 1.9 150 hp
Licence: Full Irish since 90's
NCD: Max
Cover: Full comprehensive

Last year: €400
This year: €855

What ... . ... ..The. . ... . .. . F**K

[Deleted User]

[Deleted User] wrote: »

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!

In the end I went with Acorn insurance for €470 including full bonus protection, breakdown assist and every conceivable extra.
It's with Zenith who have said they will be pulling out of the Irish market next year but will still maintain cover for existing policies.

The Guvnor

StiffOldMan wrote: »

Gender: Male
Age: 35
Location: Kildare
Car: 2005 Seat Leon 1.9 150 hp
Licence: Full Irish since 90's
NCD: Max
Cover: Full comprehensive

Last year: €400
This year: €855

What ... . ... ..The. . ... . .. . F**K

I feel your pain - mine went from 375 - 831 and that was as good as I could get.
t'reg 3.0 so high road tax too - it's getting exported - get a more powerful car in with low co2 save on road tax to soften the insurance blow etc.

cplwhisper

Deleted User wrote: »

[Deleted User] wrote: »

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!

In the end I went with Acorn insurance for 470 including full bonus protection, breakdown assist and every conceivable extra.
It's with Zenith who have said they will be pulling out of the Irish market next year but will still maintain cover for existing policies.

Back away now....zenith doing same crap Setanta done thus means ,they go with ur money overnight and no budget left to settle a claim u may have.

Owryan

That time of the year again, have been dreading the letter arriving.
Gender: Male
Age: 41
Location: carlow
Car: 2007 Ford Focus lx 1.4
Licence: Full Irish 2yrs
NCD: 6 years
Cover: Fully comp, windscreen, breakdown cover, protected no claims, fully comp drive other cars

Last year - 434 with AXA
Renewal - 496 with AXA , nothing under 800 from any other company. Moving house shortly and new address brings it down to 440

rn

Gender: Male
Age: 36
Location: Roscommon
Car: 2008 VW Golf Comf, 1.9 TDI
Points: 0
Licence: Full, 15 years
NCD: Max (15 years).
Cover: Full comp, 250 excess, Windscreen cover, breakdown, +1 named driver, fully comp on other cars.

Last year: €575 Cover with Frank Glennon, underwritten by Allianz
This year: €616.01.

Other quotes:
Axa basic 821
Axa plus 878
AIG 988
Allianz 638
SuperValu 780

bigboss1986

bigboss1986 wrote: »

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

Renewed with Post Insurance(AIG this time) and I did not pay 50€ renewal fee :
Fully comp,widnscreen,bonus protection,1 named driver,250 excess,driving other cars 3rd party and roadside assistance:

680€ .

Knine

My Quote was €1100 with JLT. €500 excess too. Last years was 640. Have full NCB etc. They can F off. Only have a week now to sort out as had a very sick child.

rn

rn wrote: »

Gender: Male
Age: 36
Location: Roscommon
Car: 2008 VW Golf Comf, 1.9 TDI
Points: 0
Licence: Full, 15 years
NCD: Max (15 years).
Cover: Full comp, 250 excess, Windscreen cover, breakdown, +1 named driver, fully comp on other cars.

Last year: €575 Cover with Frank Glennon, underwritten by Allianz
This year: €616.01.

Other quotes:
Axa basic 821
Axa plus 878
AIG 988
Allianz 638
SuperValu 780

Glennon were able to offer me an alternative Allianz policy that had reduced no claims protection. Current policy allows for any 2 claims in 3 years and I keep my full NCD. The alternative policy allows for 1 claim in any 3 years and my NCD would step back. This new policy was priced at 560.

In the end, I kept the same policy and went for the €616.01 quote.

cruhoortwunk

cruhoortwunk wrote: »

Age: 34
Years driving: 10
Car: '07 Honda Civic 1.8 SES
NCB: 9 years
Claims: 0
Points: 0
Cover: Fully comp
Provider: Chill
That's the missus, and I'm named driver on provisional for 8 years

Price: Last years premium was €547 with AIG via Chill, Quoted €741 for renewal, haggled them down to €620 with a false competitors bid from First Ireland!

This year those Chill wánkers are quoting me €900, even though I have passed my driving test.
I must try the INTO insurance, as herself is a teacher.

Skatedude

Mothers info
Age: 64
Years Driving:40+
Car: 05 z4 2.2L
NCB: max
Claims: 0
Points:0
Cover : full comp
Provider: Axa
Price: 1900 (was 600 two years ago, but currently cheapest at 1900)

jacksie66

This post has been deleted.

cplwhisper

Be sure to check An Post discount for penalty points as that 1300 will only be 73% of their true premium.

1780 less 27% = 480

Pick up simple 3 pp for sped, seatbelt or phone and they'll want their back.
If u 'forgot' to tell them and u have bump then excess has a non-disclosure excesss of 2500 on top of whatever excess you initially go with.

The Axa rate allows 3pp at no loadibg fee for same 3 offences abovec

ToxicPaddy

Gender: Male
Age: 41
Location: Dublin City
Car: 2001 Audi A6 1.8T petrol
Points: 0
Licence: Full, 20 years
NCD: 10+ in my own name
Cover:

1888.84 with Liberty Insurance
839.63 with Allianz
996.86 with 123.ie
No quote available with Aviva
No quote available with AIG
No quote available with FBD
509.06 with Axa

Update from current insurer, Post Insurance through AIG 1064.07 up from 580 last year..

Tommyboy40

Renewal time Holy F***balls

Age: 48
Years driving: 20+
Car: 05 Mercedes CL 500 5.0 V8
NCB: full
Claims: 0
Points: 2
Cover: Comprehensive
Provider: First Ireland
Price: 1435

It's doubled this year. I haven't paid that kind of money since I was a learner. I tried to get my 26 year old daughter covered on a 2003 700cc smart and was quoted €3450

Knine

Just got a quote for €708 with Glennon. My renewal quote was €1150 with FBD. Car is a 161D Focus. 1.5 Full licence & NCB & no points etc. Other quotes ranged from €890 to €1600

Mickeroo

Renewal is €650 with Liberty on a 2008 Citreon Berlingo, third party FT. Should I be looking elsewhere or is this the norm now? Seems a bit much to me when it isn't fully comp...

DemMc

Accident two years ago. €12k claim against me. No NCB protection of any sort (6 years NCB down the drain).

Ringing around everywhere today, quotes from €1,100 to €2k. Most wouldn't insure me at all once they heard about the claim. Axa's turn. Explained the situation. Nice guy. I'll see what I can do.
Tells me they'll treat the accident as if I was with them. Offer step-back on the 6 years (stepped down to 2yrs + my 2 years since = 4yrs NCB). Thanks!

Are you with a credit union? Well I used to be but... Discount!
Are there any other Axa members in the house? Eh yeah... Discount!

€900.

Have you a partner to add as a named driver? Should make it cheaper. Yep.

€695


Pleased!

boardsuser1

DemMc wrote: »

Accident two years ago. €12k claim against me. No NCB protection of any sort (6 years NCB down the drain).

Ringing around everywhere today, quotes from €1,100 to €2k. Most wouldn't insure me at all once they heard about the claim. Axa's turn. Explained the situation. Nice guy. I'll see what I can do.
Tells me they'll treat the accident as if I was with them. Offer step-back on the 6 years (stepped down to 2yrs + my 2 years since = 4yrs NCB). Thanks!

Are you with a credit union? Well I used to be but... Discount!
Are there any other Axa members in the house? Eh yeah... Discount!

€900.

Have you a partner to add as a named driver? Should make it cheaper. Yep.

€695


Pleased!

+1 on AXA.

With them now 10 years.

Had a claim in 2009 while with them, they said that if I stay thy won't penalise me with the renewal quote. I was hit by an uninsured driver and got the blame.

Long story short whenever they have been outdone in quotes at renewal time they always undercut to keep me.

My driving career has been brief with insurers at least:

Hibernian 1 year in 2003
Quinn 2 years, 2004-2006
AXA 2006 to present

cruhoortwunk

The inconsistencies in quotes show just how much these chancers just make up the numbers, most likely using a random number generator.
Scumbags

Sue Pa Key Pa

cruhoortwunk wrote: »

The inconsistencies in quotes show just how much these chancers just make up the numbers, most likely using a random number generator.
Scumbags

Yeah because as everybody knows, Insurance is one big cartel. They should all be quoting similar prices for every risk

Liam McPoyle

cruhoortwunk wrote: »

The inconsistencies in quotes show just how much these chancers just make up the numbers, most likely using a random number generator.
Scumbags

Or maybe every insurer has different acceptance criteria and charge people more that they don't want on their books.

techdiver

It's a joke at this stage.

It's a legal requirement to have insurance, yet the government allow private enterprise to set prices in a wildly unregulated way. There should be regulation of insurance prices or alternatively a non profit national insurance company.

cruhoortwunk

Saul T Nutzz wrote: »

Or maybe every insurer has different acceptance criteria and charge people more that they don't want on their books.

I'm talking about inconsistent quotes from the same insurance company for a person with practically identical details

cruhoortwunk

Sue Pa Key Pa wrote: »

Yeah because as everybody knows, Insurance is one big cartel. They should all be quoting similar prices for every risk

It's not far off a cartel, the problem is we need to prove it:
http://www.irishexaminer.com/ireland/car-insurers-face-cartel-probe-over-price-hikes-420898.html
http://www.rte.ie/news/2016/0913/816328-motor-insurance/

Sue Pa Key Pa

cruhoortwunk wrote: »

It's not far off a cartel, the problem is we need to prove it:
http://www.irishexaminer.com/ireland/car-insurers-face-cartel-probe-over-price-hikes-420898.html
http://www.rte.ie/news/2016/0913/816328-motor-insurance/

Well let's keep our powder dry until findings are published then

Sue Pa Key Pa

cruhoortwunk wrote: »

I'm talking about inconsistent quotes from the same insurance company for a person with practically identical details

You don't know what subtle differences in circumstances can make to an insurers overall claims experience history