Car insurance - tell us your quotes/renewals

Special Circumstances

Gender: Male

Age: 33

Location: Limerick

Car: 05 Subaru 2.5 turbo

Licence: Full, 9 yrs

NCD: 6 years plus.

Cover: Fully comp, NCB Protection, Windscreen, Driving other cars

Price: €650ish with Allianz and 25plus (but no quote from AIG who underwrite 25plus ). 123.ie 750.

AXA 1200. :pac:

To Elland Back

Gender: M

Age: 53

Car: 1999 Audi A4 TDi

NCB: Full

Licence: Full 10+ years, no points

Cover: Fully comp,

Last year's premium: €260

Renewal with existing insurer: €268

Best new price: Didn't check anywhere else (reasons)

JamboMac

Gender: M

Age: 30

Car: 01 Golf1.4

NCD: 1 year

Licence: Full licence since May

Cover: TPFT

Previous year 1530

Renewal Quote 1270

Best quote: €921 - AA online, insurer unknown- I'd like to verify driving of other cars is there

Gender: M

Age: 30

Car: 93 Toyota Corolla 1.3 XLi

NCD: 4 years

Licence: Full, 4 years, no points

Cover: TPFT

Best quote: €515, 123.ie

Aint Eazy Being Cheezy

Gender: M

Age: 28

Car: 07 Kia Ceed 1.6 crdi

NCD: 6 year

Licence: Full licence 7 years

Cover: Fully comp, full bonus protection

Previous year 600

Renewal Quote 795

Best quote: 680 Britton


Thought I did reasonably ok, but looking at the rest I feel scammed. And I was quoted 12/1300 by Axa and Chill if I remember rightly.

kerten

Gender: M

Age: 35

Car: 05 Ford Focus 1.6 auto

NCD: 7 years

Licence: Full, 5 years, no points

Cover: comprehensive with full ncb protection + other half as named driver.

Previous year : €465 -AIG
Renewal: €495 - AIG

..Brian..

The wifes;

Gender: Female

Age: 34

Location: Carlow

Car: 06 HONDA CIVIC SE I-DSI 1339cc

Licence: Full, 11 yrs

NCD: 7 years.

Cover: Fully comp, NCB Protection,Me as named driver

Previous year: €298 Aviva

Price: €387 Aviva

Voodoomelon

Gender: M

Age: 31

Car: 2005 BMW 740Li

NCD: Full

Licence: Full 7+ years, no points

Cover: Fully comp, protected

Best quote: €1030ish - Wrightway, through a broker. Up from €800 last year. Renewal in December, likely on the up.

Gender: M

Age: 27

Car: 07 BMW E92 335i

NCD: 5yr

Licence: 4yr full

Cover: Comp

Previous year €1050 (AIG through chill)

Renewal Quote €940

Best quote: €760 AIG (step back, breakdown assist)

T.Sparkie

Gender: M

Age: 21

Car: 07 BMW 318i Msport

NCD: 3 Yrs

Licence: Full 3 Yrs, No points (any more)

Cover: TPFT

Best quote: €811, Liberty

Worst Quote: €15,093, 123.ie (In January 2015, on my then BMW 523i SE) Hugely comical!

jimgoose

Gender: Male

Age: 43

Location: Cork

Car: 1999 Jaguar S-Type 3.0 V6

Licence: Full, 11 yrs

NCD: 15+

Cover: Fully comp, glass, breakdown, Mrs. Goose named

Previous year: €520 AXA

Price: €495 AXA

coffeepls

Gender: F

Age: 46

Car: 2012 Peugeot 207 1.4L diesel

NCB: 6

Licence: Full, 7 yrs

Cover: Fully comp, step back protection

Last year's premium: around €500 AXA

Renewal with last year's insurer: €601 quoted for AXA through AA broker, rang AA and they automatically knocked that to €442 (!)

Best new price: €407 with AIG

Cookie_Monster

For comparison to NZ since ours is due this week

Gender: F (main) & M (additional)

Age: 29 & 31

Car: 2005 Subaru Legacy B4 3.0l Auto

NCB: Full, guaranteed for life of policy

Licence: Full, 6 yrs + 7yrs

Cover: Fully comp

Last year's premium: 240 ish but different car

Renewal: €269 AA

LpPepper

Probably a bit different to other quotes here:
Gender: Driver 1: F, Driver 2: M

County: Dublin

Age: Both drivers 21

Car: 2004 Nissan Micra 1.0L (65bhp~)

NCD: 0 years

Licence: Driver 1:Learner Permit 2 Months, Driver 2: Full Licence 1 Year

Cover: Fully comp including legal fees, windscreen etc.

Current Premium: N/A

Cheapest or one of the only reasonable quotes was from Its4women - €2195, had some €4000 and even €5000 quotes!

JCDUB

Gender: M

County: Dublin

Age: 36

Car: 2007 Audi A6 2.0tfsi

NCD: Full, 7 years

Licence: Full 19 years, no points.

Cover: Fully comp, protected

Current Premium: €435 with AIG through chill.

Was €440 last year with FBD and they put it up to €535 for this year and couldn't match chill, didn't even bother trying on the phone

Padkir

Gender: M

County: Galway

Age: 25

Car: 2010 Audi A4 2.0tdi sport

NCD: 4 years

Licence: Full 7 years, 7 points.

Cover: Fully comp, step back protection, driving other cars (all main benefits except breakdown cover on the renewal)

Current Premium: €800ish (changed car mid year so can't say exactly but this is in the ballpark) with liberty.

Renewal: €755 with Octane through a local broker.

Foxhole Norman

Gender: M

Age: 21

Car: 2002 BMW 525i Auto Sport

NCD: 4 years

License: 3 years full

Cover: Fully Comp

Best Quote: €1256(Renewal with Aviva)

Happy out with that! Expected an astronomical quote with the way things are going!

AlanMcC23

Gender: M

Age: 25

Car: 2008 Audi A4 S-Line 1.9tdi saloon

NCB: Full 6 years

Licence: Full 6 years, no points

Cover: Fully comp, step back protection

Last year's premium: €520 with liberty.

Renewal with existing insurer: €685 with aviva could not get it any cheaper anywhere

Liam McPoyle

Thanks for sharing guys, the premiums, cover levels and driver profiles are making for interesting reading.

It also goes to show that doing a bit of a shop around, while a bit of a pain, pays dividends in most cases.

I'm also not seeing too many ridiculous increases either which is good to hear.

Business Cat

Business Cat wrote: »

Thanks for sharing guys, the premiums, cover levels and driver profiles are making for interesting reading.

It also goes to show that doing a bit of a shop around, while a bit of a pain, pays dividends in most cases.

I'm also not seeing too many ridiculous increases either which is good to hear.

Yep, in my 5 years on the road I've had to change insurers every year without fail.

cson

Gender: M

Age: 26

Car: 2008 VW Passat 2.0tdi saloon

Location: Dublin

NCB: Full 7+ years

Licence: Full 7+ years | 0 points

Cover: Fully comp

Last year's premium: €520 with Zurich.

Renewal with existing insurer: €650 with Zurich through Glennon's (Broker). Tried every online and spent a day calling places & could not get it any cheaper anywhere. In fairness I kind of realise now I got a fairly good deal last year and the current year quote is probably about right based on what I'm reading here.

hattoncracker

Gender: Female(28) husband named (47)

Age: 28

Car: Volkswagen Up 1 litre. Then changed to 152 Peugeot 2008 1.6 e-HDI

Location: Louth (FML)

NCB: 3 years

Licence: Full 2.5 years

Cover: Fully comp

Last year's premium: €750 with Zurich comp with s/b NCB, renewal €850 with them this year... went thru Glennons and got it for €320 plus an extra €80 when I changed my car. Sweet!!!

dr.fuzzenstein

I am with NoNonsense and an online quote told me I do not fulfill their criteria for insurance! Will have to wait or ring them to see what my renewal will look like.

alan4cult

Gender: M

Age: 25

Car: 03 Toyota Celica TSport (192bhp)

NCD: 2 years

Licence: Full 9 years, no points

Cover: Fully comp,

Renewal Quote: €1408 Liberty

Best Quote: €852 Liberty (yes same guys!)

Moral of the story Liberty couldn't price a policy to shave their wives.

guerito

Gender: M

County: Dublin 14

Age: 35

Car: 2005 Golf Gti

NCD: Full, 8 years

Licence: Full Irish 13 years, no penalty points

Cover: Fully comp, step back no claims protection

Current Premium: €600-ish, RSA through 123.ie

Renewal Quote: €858 (roughly the same as they quote for a new policy on the same car)

Best Quote: €683 through AA.

Nononsense and Blue won't quote me, others range up to 950-ish. Considering changing to a 335i and the quotes are coming in €100-200 cheaper than the Gti without fail.

mhackett102

Age: 18

Car: 03 Toyota Corolla 1.4vvti saloon

NCD: 1 year as named driver

Licence: Full

Cover: Third party fire and theft

Best Quote: €2,200 FBD

The joys of being a young driver. Most expensive quote so far stated on this thread?

fancy pigeon

Gender: Male

Age: 25

Location: Meath

Car: 2000 Toyota Corolla 1.9d

Licence: Full, 8 years

NCD: 7+

Cover: TPFT

Previous year: €850 AXA (on a Mercedes C220cdi, also 2000)

Price: €1100 AXA[/quote]

Utterly disappointed. I could understand the increase if going from the humpy Corolla to the C220. A joke really

kunst nugget

LpPepper wrote: »

Probably a bit different to other quotes here:
Gender: Driver 1: F, Driver 2: M

County: Dublin

Age: Both drivers 21

Car: 2004 Nissan Micra 1.0L (65bhp~)

NCD: 0 years

Licence: Driver 1:Learner Permit 2 Months, Driver 2: Full Licence 1 Year

Cover: Fully comp including legal fees, windscreen etc.

Current Premium: N/A

Cheapest or one of the only reasonable quotes was from Its4women - €2195, had some €4000 and even €5000 quotes!

That's a tricky one as well because the learner driver won't be covered if they are driving with the person with the 1 year licence.

You can’t be alone in the vehicle when driving, regardless of how long you have been driving and how many learner permits you have held. And the person who’s with you must hold a full driving licence for the category of vehicle you are driving for a continuous period of 2 years.

http://rsa.ie/en/RSA/Learner-Drivers/Safe-Driving1/Safety-for-Permit-Holders/

Chris_Heilong

kunst nugget wrote: »

That's a tricky one as well because the learner driver won't be covered if they are driving with the person with the 1 year licence.



http://rsa.ie/en/RSA/Learner-Drivers/Safe-Driving1/Safety-for-Permit-Holders/

That is not an insurance issue, they would still be insured.

kunst nugget

Chris_Heilong wrote: »

That is not an insurance issue, they would still be insured.

But they wouldn't be covered if the person accompanying the learner driver is the person with the licence for only a year and they had an accident. That's all I was pointing out.