Car insurance - tell us your quotes/renewals

MeTheMan

Gender: Male
Age: 26
Location: Leitrim
Car: 2006 2.0 ltr Toyota Avensis
Licence: Full Irish, 7 year
NCD: 6 years
No claim, points, or medical.
Cover: TPFT
Add: Partner female 23 (2 years full license)

Aviva last year: €728.
Renewal: €776. Get it down to €724 (Because I'm loyal)

All quotes are TPFT.

Allianz: €1524
123: €904
AXA: €1937
BestQuote: €1654
QuoteDevil: €795
Chill: €1731
Liberty: €1050
QuoteMe: €1316
Post: €1169
AIG: €2054
BoI: €1029
CoverinaClick: €855
xsDirect: €2200
Glennon: €853/ Fully Comp €1101
FBD: Couldn't give me a quote there and then. Havn't rang me back yet.

So unless FBD are less I'll be sticking with Aviva!

cruhoortwunk

MeTheMan wrote: »

Gender: Male
Age: 26
Location: Leitrim
Car: 2006 2.0 ltr Toyota Avensis
Licence: Full Irish, 7 year
NCD: 6 years
No claim, points, or medical.
Cover: TPFT
Add: Partner female 23 (2 years full license)

Aviva last year: €728.
Renewal: €776. Get it down to €724 (Because I'm loyal)

All quotes are TPFT.

Allianz: €1524
123: €904
AXA: €1937
BestQuote: €1654
QuoteDevil: €795
Chill: €1731
Liberty: €1050
QuoteMe: €1316
Post: €1169
AIG: €2054
BoI: €1029
CoverinaClick: €855
xsDirect: €2200
Glennon: €853/ Fully Comp €1101
FBD: Couldn't give me a quote there and then. Havn't rang me back yet.

So unless FBD are less I'll be sticking with Aviva!

Tell AXA that QuoteDevil are quoting 680, and see if they will match it

DakarVert

22 with a 2008 Zetec-S Fiesta, 3years NCB

Last year TPFT €1350, Renewal of €2260! (Best my broker could find was €1660)


Aviva, Full Comp for €1060! (Ok I had to do the Ignition Test)

AA were next at €1220, Highest was 123 at €4,500.


Madness.

Potential-Monke

Your Age: 33
Car type and engine: 2002 Mercedes E220 2.2
years driving: 9
any claims: no
Price and provider: 1300 appx

Bit of background. I was living in Ferrybank, Waterford for the last 7 years. For anyone that doesn't know, it's basically Waterford City. I moved back home to Co. Limerick, a little village 20 minutes from the city. In Ferrybank, I got a quote for the year of €425, or €30 a month, which ive been paying for the last 6 months. When I moved address, it went up by €440 appx, or from €30 to €115 a month.

I've rang around and the cheapest I can get is €1200 tpft. I have effectively been priced out affording insurance. I've changed jobs and have gone back to minimum wage. I've tried other cars in my price range and I can't afford anything over a 02. Because of this, some companies won't even quote me. One told me I need to buy a newer car (the cheeky...).

Liberty have said it's due to claims and crashes in my new area, but I can't see how a country address (which hasn't had a stolen car anywhere near it for 33 years at least and few crashes) from a place that had crashes every day and one stolen car a week at least (I was a garda). They are refusing to back this up by giving me proof. I've a complaint gone to the Financial Ombudsman over it. It's the only service I can think of that doesn't require to provide proof of their nearly 400% increase! I can no longer afford insurance, and I've never even had so much as a scratch or claim.... I honestly don't know what to do...

9935452

Potential-Monke wrote: »

Your Age: 33
Car type and engine: 2002 Mercedes E220 2.2
years driving: 9
any claims: no
Price and provider: 1300 appx

Bit of background. I was living in Ferrybank, Waterford for the last 7 years. For anyone that doesn't know, it's basically Waterford City. I moved back home to Co. Limerick, a little village 20 minutes from the city. In Ferrybank, I got a quote for the year of €425, or €30 a month, which ive been paying for the last 6 months. When I moved address, it went up by €440 appx, or from €30 to €115 a month.

I've rang around and the cheapest I can get is €1200 tpft. I have effectively been priced out affording insurance. I've changed jobs and have gone back to minimum wage. I've tried other cars in my price range and I can't afford anything over a 02. Because of this, some companies won't even quote me. One told me I need to buy a newer car (the cheeky...).

Liberty have said it's due to claims and crashes in my new area, but I can't see how a country address (which hasn't had a stolen car anywhere near it for 33 years at least and few crashes) from a place that had crashes every day and one stolen car a week at least (I was a garda). They are refusing to back this up by giving me proof. I've a complaint gone to the Financial Ombudsman over it. It's the only service I can think of that doesn't require to provide proof of their nearly 400% increase! I can no longer afford insurance, and I've never even had so much as a scratch or claim.... I honestly don't know what to do...

Out of curiosity did you get a quote for waterford?

Personally I know having a limerick address puts up the premium/
10 years ago i was working in cork , living in limerick. 20% dearer with the limerick address.
Did you try adding a named driver like a girlfriend or parent or looking at fully comp . For some odd reason full comp can work out cheaper then third party

techdiver

It's laughable. One of the gripes the insurance companies have is the fact that according to them a third of accidents involve uninsured drivers. With the increases in premiums they are now completing a self fulfilling prophecy by encouraging uninsured drivers.

In their defense this could be easily combated by introducing a system that cross references registered cars with insurance policies. Over night you could resolve the issue of uninsured drivers.

JamboMac

techdiver wrote: »

It's laughable. One of the gripes the insurance companies have is the fact that according to them a third of accidents involve uninsured drivers. With the increases in premiums they are now completing a self fulfilling prophecy by encouraging uninsured drivers.

In their defense this could be easily combated by introducing a system that cross references registered cars with insurance policies. Over night you could resolve the issue of uninsured drivers.

not really, people should be smart enough to know if i can't afford insurance, i can't drive. Not i can't afford insurance well i'll drive without because its clearly somebody else's fault like all the learners on the road that shouldn't be there.

techdiver

JamboMac wrote: »

not really, people should be smart enough to know if i can't afford insurance, i can't drive. Not i can't afford insurance well i'll drive without because its clearly somebody else's fault like all the learners on the road that shouldn't be there.

Unfortunately in the real world that's not how things work. As long as there is a chance of getting away with something history has taught us that people will do it.

There are probably situations where people need a car for work and cannot afford insurance. In that instance I can somewhat understand driving without insurance (whilst not condoning it).

My original point was that the rising cost of insurance will add to the problem of uninsured drivers which will add to the rising cost of uninsured claims, which will lead to rising premiums, which will lead to more uninsured drivers etc etc.... Around and around we go.

0ph0rce0

Gender: Male
Age: 33
Location: Dublin
Car: 2006 Opel Astra 1.4
Points: 0
Licence: Full, 10+ years
NCD: Max (10+ years same as above).
Cover: Fully comp, 250 excess, Windscreen cover, breakdown.

2014: €380 Cover with Ulsterbank (Aviva)
Last year: €430 Cover with Ulsterbank (Aviva)
This year Renewal: €2700 (Having a ****ing laugh)


Best Quote so far €890 straight through Aviva (Weird) seeing as its the same company.

I thought it said 270 then i nearly dropped, Numbers from their hole

Outlaw Pete

Was dreading my renewal from BOI but it came today and it's down €120 from last year!! (€580 to €460)

TeaBagMania

I've gone back five pages and all the quotes are for young to middle age drives, id like to know what the senior males (60+)are paying for a small one liter car... cheers

cplwhisper

€490 average is what I see daily for up to 1.6 cars

Colash

Age 31
NCB maximum
Point zero
Full license 11 years
No claims or convicted
Car is a 1.6 2009 Volvo s40 diseal
Insured it with a broker through Zenith insurance at 550€ fully comp
Rewnal came in post this morning at 1150€ 😂😂😂😂😂

It's comical at this stage !!!

quad_red

Gender: Male
Age: 36
Location: North Co Dublin
Car: 2005 Skoda Superb, 1.9 diesel
Licence: Full Irish, 14
NCD: 9 years
No claims, points, or medical.
Cover: FC last year, TPFT this year
Add: Partner female 37 (9 years full license)

Last year:
AA (reselling Allianz) Fully comp: €579
Renewal: €801

Went direct to Allianz and got TPFT plus windscreen and breakdown for €532

Other quotes TPFT:
Aviva: €655.85
AIG: €890.79
123.ie: €637

boardsuser1

Colash wrote: »

Age 31
NCB maximum
Point zero
Full license 11 years
No claims or convicted
Car is a 1.6 2009 Volvo s40 diseal
Insured it with a broker through Zenith insurance at 550€ fully comp
Rewnal came in post this morning at 1150€ 😂😂😂😂😂

It's comical at this stage !!!

Your own details are near identical to my own.
I've a focus with the same engine and same year.

AXA quoted me 700e.
up from 550e the previous year.

What did you give for your occupation?
County of residence?

Colash

KC161 wrote: »

Your own details are near identical to my own.
I've a focus with the same engine and same year.

AXA quoted me 700e.
up from 550e the previous year.

What did you give for your occupation?
County of residence?

Security guard and Ireland . I've rang a few places and 700 is best I can get . . Which to me is still a big increase

boardsuser1

Colash wrote: »

Security guard and Ireland . I've rang a few places and 700 is best I can get . . Which to me is still a big increase

I changed addresses here in Cork and it made a difference in the premium,yeah I know Ireland,what I meant was Cork,Kerry,Limerick etc etc, every county has a different risk attached in their opinion whether right or wrong.

Say Knocknaheeny in Cork is more of a risk than say Foxrock in Dublin.

You ended up with the same quote as myself. Insurance is like a Lottery. God only knows what numbers they'll hand out.

Colash

KC161 wrote: »

I changed addresses here in Cork and it made a difference in the premium,yeah I know Ireland,what I meant was Cork,Kerry,Limerick etc etc, every county has a different risk attached in their opinion whether right or wrong.

Say Knocknaheeny in Cork is more of a risk than say Foxrock in Dublin.

You ended up with the same quote as myself. Insurance is like a Lottery. Got only knows what numbers they'll hand out.

Apologies I thought your post said country . I'm in Roscommon

pawrick

Colash wrote: »

Apologies I thought your post said country . I'm in Roscommon

btw I was messing about with some online quotes a couple of months ago trying out various combinations to see what affects my quote. Being from near Athlone I noticed Athlone, Co. Roscommon adds 50 euro to the price compared to Athlone, Co. Westmeath.

Difference between having a full licence for 2 year or 10 years made about 5 euro of a difference in my case. NCB made little difference once I had 5 years. Only other major difference was adding my gf with a learner permit which reduced it by 50 euro.

Different companies/brokers most likely have the criteria affect their policies differently but it's wort playing around with the online forms when you settle on a company to see how you might improve your quote (legally of course).

boardsuser1

Colash wrote: »

Apologies I thought your post said country . I'm in Roscommon

There's no problem

Adding a wife,girlfriend,partner,parent might work.

Have my O/H on my policy. without her it would have been 1150.

She only has a learner permit at that which boggles the mind as to why it comes down for adding another driver

readytosnap

50
2014 vw up 1.0
1 claim last year (none prior to that) €7000 for a new engine (contaminated fuel)
renewed with Aviva
(stayed with them as they did pay my claim, unlike a lot of other insurance companies)

€364 fully comp, ncb protection, personal worldwide injury insurance included (for any injury sustained as a fee paying passenger on any transport)
Wife on policy also, both have full licence, driving of other cars.

wotzgoingon

readytosnap wrote: »

50
2014 vw up 1.0
1 claim last year (none prior to that) €7000 for a new engine (contaminated fuel)
renewed with Aviva
(stayed with them as they did pay my claim, unlike a lot of other insurance companies)

€364 fully comp, ncb protection, personal worldwide injury insurance included (for any injury sustained as a fee paying passenger on any transport)
Wife on policy also, both have full licence, driving of other cars.

Jesus you got off very lightly with a claim and all.

Liam McPoyle

wotzgoingon wrote: »

Jesus you got off very lightly with a claim and all.

He paid for full ncd protection and was rightly not penalised for the claim.

Some people would have you believe that insurers will load you for making any claim.

That is simply not true.

bog master

04 1.4 car, 60 yr old, no points/no claims/full NCB
My current insurer from 347 to 650, the worst of the online was 1,647 and with new (to be) 389 fully comp. How can there be such a difference?

SCOOP 64

1998 opel astra 1.4 ,no points, full NCB,no claims, €272 fully comp, renewal notice,bank of ireland (rsa) being over 15 yrs was expecting worst, but did get extra discount for being BOI customer.

wotzgoingon

SCOOP 64 wrote: »

1998 opel astra 1.4 ,no points, full NCB,no claims, €272 fully comp, renewal notice,bank of ireland (rsa) being over 15 yrs was expecting worst, but did get extra discount for being BOI customer.

What age are you?

I'm being robbed paying just under a grand. 2001 Subaru Impreza WRX, 2 litre turbo petrol.

SCOOP 64

wotzgoingon wrote: »

What age are you?

I'm being robbed paying just under a grand. 2001 Subaru Impreza WRX, 2 litre turbo petrol.

50 yrs , dont think they care about your age normally if car is over 15yrs they load it, 123ie did that with me, thats why i went with BOI, but strange thing is 123.ie was RSA as well.

Liam McPoyle

wotzgoingon wrote: »

What age are you?

I'm being robbed paying just under a grand. 2001 Subaru Impreza WRX, 2 litre turbo petrol.

You are driving a car that many insurers do not want to quote, that's why you are paying a grand tbh.

For cars like your own and other "performance" type vehicles its a sellers market.

_Brian

Renewal just arrived...
€1221

So the trend has been,

€440
€680
€850
€1221 (renewal quote)

What a joke..
Surely I'm low rsk, 44yo male, no convictions, no points, 09 VW tiguan, married 2 kids.. FFS

Faith+1

Quoted €902 renewal for a 1.2 Fiesta. Last year it was €550! I'm seriously piss*d off right now.
31 years old with 8 years no claims bonus. FFS!