Car insurance - tell us your quotes/renewals

ShadowHearth

masterboy123 wrote: »

Whats your age and experience ? NCB?

Sorry, forgot.

Age: 31
Ncb: 9
Driving licence: 13 years.

lollsangel

Driving a 1.6 ford mondeo 2011
Full license
35 years old
Last year over 1100 euro full comp
This year 782 full comp

My 2nd driver passed his test . Received a renewal quote for 1163 so went shopping around

Kintarō Hattori

Last year 2005 Fiat Panda and 0 NCB as I had just passed my test - €1024 with Kenco through Chill. Edited to add that I was 39 last year getting this quote.

This year with a 1 year NCB and having changed to a 2012 Fiat 500:

Chill - €800
FBD - wouldn't quote
AIB - nearly €1000
Aviva - €1215.36
Glennon - €571.10 (never heard of them but saw Fuzyfuzy mention them) - added my partner too.

With a new baby in the house I don't have loads of time to chase companies and I can't imagine it getting better than Glennon, so I've gone with them.

TeaBagMania

Kintarō Hattori;103722532Last year 2005 Fiat Panda and 0 NCB as I had just passed my test - €1024 with Kenco through Chill

Im surprised you received such a low premium with zero NCB and an eleven year old car, well done
Been trying to make heads or tails out of how these premiums are calculated and it seems one of the deciding factors is location, should we add a location field to future quote\renewal posts?
Is the Dubliner paying more than the country bumkin or vise versa?

368100

TeaBagMania wrote: »

Im surprised you received such a low premium with zero NCB and an eleven year old car, well done
Been trying to make heads or tails out of how these premiums are calculated and it seems one of the deciding factors is location, should we add a location field to future quote\renewal posts?
Is the Dubliner paying more than the country bumkin or vise versa?

Ahh...those damn country bumkins ;-)

Kintarō Hattori

TeaBagMania wrote: »

Im surprised you received such a low premium with zero NCB and an eleven year old car, well done
Been trying to make heads or tails out of how these premiums are calculated and it seems one of the deciding factors is location, should we add a location field to future quote\renewal posts?
Is the Dubliner paying more than the country bumkin or vise versa?

I am actually based in Dublin and the car is classed as being on street as I have no driveway. Had I kept the same car the quote this year was €715...but it seems the 500 is classed higher than the Panda.

Murt102

Age: 20
Gender: Male
Car: 2008 Volkswagen Golf 1.9 TDI
NCD: 2 Year in my own name, 1 year previous as additional driver (3yrs total)
Licence: 2 Year Full Licence, 1 year provisional (3 yrs total)
Penalty Points: 0
Cover: TPFT

Current insurer: Liberty
Last Year: €1,308 (on a '06 Passat 1.9tdi)
This year: €978

Only got my renewal today so I haven't done any shopping around, doubt I'll get any better than that!

dudara

Age: 38
Gender: Female
Car: 2013 BMW 320d M-Sport
NCB: 10+ years
Licence: Full Irish
Penalty Points: 0
Cover: Comprehensive
Other: My named driver has 3 penalty points for speeding. I also need Class I coverage for work.

Current insurer: 123.ie via RSA
Last year €670
This year: €603, revised to €670 when advised of the penalty points

So holding steady. I tried a few other insurers and I was quoted prices up to €1k, which is insanity. I am also checking with Bank of Ireland now as I am a customer and can avail of discounts.

Skatedude

Age: 45
Gender: Male
Car: 1997 BMW 840 4.4L
NCB: 5 years
Licence: Full Irish
Penalty Points: 0
Cover: Comprehensive
Other: My mother is named driver
Limitations Classic policy so millage limit of 6000 miles a year.

Current insurer: AIG
Last year ?400
This year: ?450

Skatedude

My mothers renewal.
Age: 64
Gender: Female
Car: 05 BMW z4 2.2L
NCB: 4 years
Licence: Full Irish
Penalty Points: 0
Cover: Comprehensive
Other: son is named driver


Current insurer: AXA
Last year ?2350
This year: ?1090 better, but was paying 650 3 years ago

wotzgoingon

Skatedude wrote: »

My mothers renewal.
Age: 64
Gender: Female
Car: 05 BMW z4 2.2L
NCB: 4 years
Licence: Full Irish
Penalty Points: 0
Cover: Comprehensive
Other: son is named driver


Current insurer: AXA
Last year ?2350
This year: ?1090 better, but was paying 650 3 years ago

Wow, what the hell your mother was paying 2350 euro for insurance last year. Could she not find any where cheaper that seems excessive.

Skatedude

wotzgoingon wrote: »

Wow, what the hell your mother was paying 2350 euro for insurance last year. Could she not find any where cheaper that seems excessive.

The 2350 was by far the cheapest of the few that would even quote, most were over 3 grand.
The usual excuse that the car is now over10 years old and therefore now going to be used by my 64 year old mother to stage a crash for cash claim.

Its an 05d z4 bought nearly new and has less then 40000 miles on it driven by a 64 year old retired bookkeeper, so obviously very high risk.

But at least it's coming down again,

inna981

Mothers insurance:
Age: 56
Gender: Female
Car: 2013 Peugeot 308 1.6 HDi
NCB: 9+
Years Driving: ~30
Licence: Full Irish
Penalty Points: 0
Cover: Comprehensive

2015: ~550 with Axa
2016: ~700 with Aviva


Renewal with Aviva is @ 742
123.ie 1213
BOI 442 Best so far!

Most around 700-800 mark

johndaman66

wotzgoingon wrote: »

Wow, what the hell your mother was paying 2350 euro for insurance last year. Could she not find any where cheaper that seems excessive.

What's really coming against her is the car being a convertible. A lot of providers wont quote for convertibles at all. She is unfortunate that the quote she did get was excessive on the face of it given the other particulars.


I have a Toyota MR-S I did manage to put on the road once for a reasonably affordable premium but its laid up since as any quotes I do manage to get for it are off the charts.

Skatedude

johndaman66 wrote: »

What's really coming against her is the car being a convertible. A lot of providers wont quote for convertibles at all. She is unfortunate that the quote she did get was excessive on the face of it given the other particulars.


I have a Toyota MR-S I did manage to put on the road once for a reasonably affordable premium but its laid up since as any quotes I do manage to get for it are off the charts.

Yes, but it's always been a convertible and was insurable for the first 10 years for app 600 a year.

wonski

Recently changed from 2001 2.0 supercharged coupe to 2005 1.8 petrol Volvo. 150 euro additional premium for a policy that started in March. Looks like I am more likely to crash the Volvo, 25% more likely

obi604

Bloody annoyed here

Age: 38
Gender: Male
Car: 2006 BMW 523i Automatic
NCB: 14 years
Licence: Full Irish
Penalty Points: 0
Cover: Comprehensive with no claims bonus protect
Value: 3500 Euro
Other: My wife is named driver. Car parked in a driveway in a good area.


Year before last: 470
Last year: 720

This years initial quote back from Insurance company : 1075

Scandalous, my insurance has more than doubled in 2 years. same car, less penalty points etc.

going to do my usual now and go check all insurance companies.

Should I target any specific companies?
Wonder should I just go third party fire and theft or does it even matter these days?

rocky

TPFT for me on a similar car was 460 in January with Post Insurance (brokers for AIG). I also got competitive quotes from Bank of Ireland.

obi604

rocky wrote: »

TPFT for me on a similar car was 460 in January with Post Insurance (brokers for AIG). I also got competitive quotes from Bank of Ireland.

thanks.

Did you have the no claims bonus protection?

At what value should the car be to consider getting fully comp ?

ELM327

obi604 wrote: »

thanks.

Did you have the no claims bonus protection?

At what value should the car be to consider getting fully comp ?

I find especially with some brokers that on lower value cars it was cheaper to get fully comp than 3rd party.

obi604

rocky wrote: »

TPFT for me on a similar car was 460 in January with Post Insurance (brokers for AIG). I also got competitive quotes from Bank of Ireland.

thanks. post coming in way cheaper. Bank of Ireland is way dearer.

rocky

obi604 wrote: »

thanks.

Did you have the no claims bonus protection?

At what value should the car be to consider getting fully comp ?

NCB 7 years, 39 years old.

I've always gone for TPFT, passengers are covered anyway and if I have an at-fault crash - depending on the value - I'll probably try avoiding going through insurance.

obi604

rocky wrote: »

NCB 7 years, 39 years old.

I've always gone for TPFT, passengers are covered anyway and if I have an at-fault crash - depending on the value - I'll probably try avoiding going through insurance.

Mmm, am undecided whether to do fully comp or their party. My car worth max 4000 euro.

cplwhisper

Easy way to decide if comp cover is worth it

Can u afford to pay to replace your existing car less the policy excess today then maybe u don't need comp

If u can't afford them pay the extra for comp !!

Odyssey 2005

Age. 54
Male
Ncb .. 10 +
Skoda superb 09 2.0 tdi
Fully comp +full bonus protect.
€360.
Aviva
Happy out.

Son
Age 19
Male
Ncb 1 year
Full licence
06 Ibiza 1.2
Fully comp
€770
Aviva


Even happier.

frozenfrozen

next year will you ring for my insurance?

inforfun

Odyssey 2005 wrote: »

Age. 54
Male
Ncb .. 10 +
Skoda superb 09 2.0 tdi
Fully comp +full bonus protect.
?360.
Aviva
Happy out.

Son
Age 19
Male
Ncb 1 year
Full licence
06 Ibiza 1.2
Fully comp
?770
Aviva


Even happier.

You have dirt on them, havent you?

Although i have to say, last year Aviva would have been my choice as well if i hadnt been banking with BOI. Extra discount for that brought BOI's quote below the Aviva quote i had.
Stayed with BOI despite an increase this year as it was still lower than Aviva's last year.

Odyssey 2005

inforfun wrote: »

You have dirt on them, havent you?

Although i have to say, last year Aviva would have been my choice as well if i hadnt been banking with BOI. Extra discount for that brought BOI's quote below the Aviva quote i had.
Stayed with BOI despite an increase this year as it was still lower than Aviva's last year.

I just played by their rules. Got the lessons for the young lad through them and insured him with them last year,€825 fully comp. €770 this year,can't believe it myself.

I have to stay with BOI this year.

Got a renewal for e745 up from e495.

Tried everyone and best was 25plus which was similar but possibly without Step Back protection so not worth it.

Others were generally e1000+.

The issue is my car, 02 Corolla.

I quoted an 08 Corsa last night(granted its 1.2 over a 1.4) but it would cost me e300 less.

Will look to change my car over the next year... older cars are just been forced off the road big time these days.

368100

Anybody seeing reductions in quotes due to the setanta insurance ruling? Are we likely to see it?