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Had a claim - how much will my insurance increase?

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  • 12-07-2018 3:16pm
    #1
    Tzardine
    Registered Users Posts: 3,884 ✭✭✭


    Ok so I know its a "how long is a piece of string" type question, but I am looking for some ballpark ideas.

    I have just made a claim on my car insurance. I hit a poxy deer on the motorway. Could do nothing to avoid it. Total claim value of just over €6,000. Just repairs to my own car, no injury etc.

    Insurance not due until December. What am I looking at ? 200 % , 400% ?

    Has anybody made a claim and how much did your insurance rise by ?


Comments

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    #2
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,651 Mod ✭✭✭✭Henry Ford III


    How much NCB do you have?


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    #3
    Tzardine
    Registered Users Posts: 3,884 ✭✭✭Tzardine


    Henry Ford III wrote: »
    How much NCB do you have?

    5 Years - Not protected


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    #4
    diceyreilly
    Registered Users Posts: 1,142 ✭✭✭diceyreilly


    If you are on stepback protection I'd imagine your insurance will go up by about 60%.
    If not double last years price approx


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    #5
    jeepcj
    Registered Users Posts: 172 ✭✭jeepcj


    had a claim this year, on renewal my insurance went from 600 to 2400. Claim was for 17500. Thats with step back no claims bonus


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    #6
    uck51js9zml2yt
    Closed Accounts Posts: 18,268 ✭✭✭✭uck51js9zml2yt


    Why do people get step back and not full protection?


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    #7
    jeepcj
    Registered Users Posts: 172 ✭✭jeepcj


    Zeke Powerful Level wrote: »
    Why do people get step back and not full protection?

    Step back is free with my policy


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    #8
    uck51js9zml2yt
    Closed Accounts Posts: 18,268 ✭✭✭✭uck51js9zml2yt


    jeepcj wrote: »
    Step back is free with my policy

    Not really a cost saving if you have to claim and your premium is hit the following year.
    I think my cover cost me about 30-40 euro


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    #9
    CrowdedHouse
    Registered Users Posts: 6,813 ✭✭✭CrowdedHouse


    Having protection doesn't mean your premium won't go up - you'll get 50% or whatever off your new loaded premium.

    Seven Worlds will Collide



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    #10
    jeepcj
    Registered Users Posts: 172 ✭✭jeepcj


    CrowdedHouse wrote: »
    Having protection doesn't mean your premium won't go up - you'll get 50% or whatever off your new loaded premium.

    absolutely correct, they loaded my premium over 2000 euro


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    #11
    tuxy
    Closed Accounts Posts: 14,983 ✭✭✭✭tuxy


    Just put all you details with a fake phone number(so they don't start calling you) into the online quote with a few companies, set ncb to 0 and see what it comes up with.


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    #12
    Fanny Wank
    Registered Users Posts: 1,288 ✭✭✭Fanny Wank


    tuxy wrote: »
    Just put all you details with a fake phone number(so they don't start calling you) into the online quote with a few companies, set ncb to 0 and see what it comes up with.

    Problem with this is you might not get an online quote until 3-5 years after the accident


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    #13
    tbm
    Registered Users Posts: 179 ✭✭tbm


    I had a modest claim this year (€985, shunt in a car park). Had step back protection. Premium has gone up 85% (720 - 1330) and my NCB is gone from 6+ to 2 years. I'm bulling. I just didn't have the cash to sort it at the time, but I'll pay for more then the claim was worth.

    In hindsight would have borrowed money to pay for the damage. Insurance in Ireland is a scam.


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    #14
    Atlantic Dawn
    Registered Users Posts: 81,533 ✭✭✭✭Atlantic Dawn
    M


    You should be in a good position seeing as the personal injury claim element is taken care of. If you are over 30 I'd say worst case it will double.


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