Driving tester surprised at insurance cost given my age.....are they right???

chug

Right so have full licence got few months and just waiting for things to settle a bit in the outter world

To cut it short, as 35 year old, for basic 1.4 car, the general quotes are coming in at around 3000 to 3500 give or take

All things remaining the same and with no negotiations just the relevant information, cut my age back by 10 years and those figures go down to 2000 to 2500.

Trust me I wouldn't insure the 25 year old me at that price but what do I know

Like the driving tester, maybe should enquire about more about this??? No??

They seen my driving first hand after all. Maybe the market has changed idk.

walshtipp

https://www.boards.ie/discussion/2058236920/driving-tester-surprised-at-insurance-cost-given-my-age-are-they-right

Those prices do seem on the high side. Are they online quotes by any chance?

OhHiMark

I'm 36 on a learner's permit driving a 2010 1.6L and got insured for about 1200. Those prices seem very high.

Pineapplez56

That’s a mental price tbh.. I’m 26 driving a 1.6l 141 and mine is 1280. On a provisional license. Is your car old? Can’t see any other reason why it’s that high unless you’ve had some claims against you or something.

lalababa

Waaay too high...I'd be shopping around a bit more. Guessing if you went down to a 1lt car less than 15 yrs old (the newer the cheaper..crazy ****!)...I'd expect your quotes to be less than 1k.

chug

https://www.boards.ie/discussion/comment/118769271#Comment_118769271

Yeah all online. Is only to get an idea, don't know the ins and outs of it

Waiting on one firm to get back to me by phone as I can avail of 20% off (####### need it) by using driving school's discount deal or something like that for doing lessons with them

So that's the instructor and tester backing me up :D :D

chug

https://www.boards.ie/discussion/comment/118769332#Comment_118769332

Nope. Gonna be first time on the road and clean bill

Actually left it this late to do it so I'd have no sh1t, so to speak, going on around me

chug

https://www.boards.ie/discussion/comment/118769347#Comment_118769347

Again these online quotes are throwing out similar figures even going down to 1 litre

Car less than 10 years old :D. Doing everything I've been advised to do lol

All my training done and test passed in a 1.4.

I will go down in engine size obviously if the difference in insurance is massive but don't think it will be.

Only time I've seen any major change in these quotes is when I go up to a 1.6.

I think the companies are like yeah think you need to come speak with us maybe

Not much difference anyway in what I'm seeing for the quotes between a 1 and 1.4 litre

chug

https://www.boards.ie/discussion/comment/118769309#Comment_118769309

With whom do you mind me asking?

These site are scaremongering to say the least. Not sure how it is benefitting them. It's just gonna make me ask more questions

walshtipp

https://www.boards.ie/discussion/comment/118769401#Comment_118769401

I find online quotes to be a waste of time because they are usually way over priced. You need to get on the phone and shop around, you could be surprised how low you get them down to. Try the AA for a quote, I have always found them to be competitive.

dublin49

https://www.boards.ie/discussion/2058236920/driving-tester-surprised-at-insurance-cost-given-my-age-are-they-right

have you been involved in an accident in last 5 years,thats the only rational explaination to these mad quotes.

clobber

https://www.boards.ie/discussion/comment/118769507#Comment_118769507

No, just first time driver. No criminal convictions no fines nothing

Phone around the places sounds the order of the day here

Even from this discussion the boat can be pushed in terms of car spec's too. Instead of the restrictions intially pushed at me about low engine size and that sort of stuff

chug

Dammit 2 accounts going here :D

Nothing untoward

Thanks for the input peeps

I will act on the advice

chug

https://www.boards.ie/discussion/comment/118769504#Comment_118769504

Yeah think I'll get minute add ons to my plan and try them all and wait for whomever to get back to me

As matter of interest, the online setup asks for quite a bit of stuff.

Do the phone calls go through all that again and again

Is it robotics like or say for instance I want price for a different make of car or different size engine will they be easy enough to deal with???

walshtipp

https://www.boards.ie/discussion/comment/118769768#Comment_118769768

Generally any single detail can be changed easily. What I often do is get an online quote, and usually they will call you about it the next day. They then already have all your details when they ring you. If they don't call you, there is usually a reference number for the online quote that you can give when you ring them. For example, I got an online quote from the AA last year for €1,700. They then called me and quoted €950.

OhHiMark

https://www.boards.ie/discussion/comment/118769468#Comment_118769468

Allianz. They were the only ones who would give me an online quote.

Also this is my first time getting insurance so I haven't built up no claims or anything like that.

Danzy

I'd go in to an insurance broker, not online and talk to them.

That's incredibly high, all considered.

tabby aspreme

You need to give a reg number to the insurance company to get a proper quote, get a few from Done Deal for whatever models of car you are thinking of buying, try a low powered family car like a 1.6 Octavia or Mondeo, my 19 yo lad has insurance on a 2012 Mondeo for 1500, quotes for smaller cars were higher

FortuneChip

I paid about 900.

35 on a learner permit, with a year of named driver experience. 1.4 diesel, 9 year old car.

I added a named driver, who has no claims and it brought it down 25% as well.

Before I knew what car I was buying, I was getting some wild quotes, as high as 2,700 I think

zoe 3619

https://www.boards.ie/discussion/comment/118770418#Comment_118770418

Definately try a broker.They'll do all the work for you and always come back much cheaper.

zoe 3619

chug

Can't wait

My phone is gonna be nice and warm one of these days

Sounds of it then here are the key points I take from this:

(1) Online quotes are OTT so ring the companies directly

(2) Even with a provisional licence you can get a deal. (I and most people i know thought this was a complete no no when you just had a provisional. You didn't exist on a provisional. joking lol)

(3)^^^^^ I should do even better than that then given that I have the full licence

(4) And the car specs can be increased a bit as you're not necessarily going to see huge differences in being ultra conservative and going for something a little higher. Higher specs aint going to break the bank either basically

Try it's 4 women and their other site getsetgo.ie

chug

OK

Saturday opened were the AA. €3,100 for the online quote. 2014, 1.4

They say I need to wait for all the paperwork and wait for car to be confirmed to me and I'm the owner

Not going to buy the car with those quotes.

chug

https://www.boards.ie/discussion/comment/118769309#Comment_118769309

Jeez a learner permit and a 1.6 and a 2010????

Whos you with mate????

chug

https://www.boards.ie/discussion/comment/118771278#Comment_118771278

Tried getsgo online, They're bucking the online trend. 1.4 engine and their fully comp' is €75 a month. Or €725 full payment.

I assume they have no catches like speed limit detectors or any of that sh1t

Best I've seen so far. Getsgo

chug

Itsforwomen €630 fully comp'

1 call made so far and 2 websites. websites are winning out here. Only thing is it's a saturday

https://www.boards.ie/discussion/comment/118773408#Comment_118773408

You can buy it online. Get their fully comp and buy the NCB protection. Its the same company who own both sites. We just swap back and forth as a new customer each year. We then get onto them on chat. Give them both policy numbers and ask that the documents they want we swapped over to the new policy.

Never claimed from them but so far no issues

tjhook

I've wondered abut this topic before.

There are laws e.g. to say that males and females have to be offered the same rates. That's fine, and obviously the automated sites will enforce this. But if you're negotiating in person, will the voice in the end of the phone line be willing to give a bigger discount to a woman? How can compliance with this equality law be evaluated/monitored?

OP, I may have missed if you specified whether you're male or female... but a real person may be willing to extend you a discount that would not be allowed online.

Also, it used to be the case that adding a partner/spouse to a policy would reduce the overall premium. Never made sense to me, and it might no longer be the case, but maybe worth trying.

chug

https://www.boards.ie/discussion/comment/118773610#Comment_118773610

They are incredible prices. Cheers for that

I'm still waiting on the decision of what car to buy but these are the best so far.

I'm gonna stay with 1.4 car(s). For a first time car it doesn't seem to be worth the hassle with these prices. All things remaining the same I can now concentrate on what I can spend on the car

Everywhere else they're basically waiting for me to buy the car first, then they make their calls. Which leaves me between rock and a hard.

Productive Saturday

chug

https://www.boards.ie/discussion/comment/118773681#Comment_118773681

Male, I will still make a few calls around I guess. Nothing's set in stone yet.

chug

Learned more on this thread about it anyway than I've done from the insurers themselves

chug

https://www.boards.ie/discussion/comment/118773610#Comment_118773610

And just with their wording "Comprehensive premier"..............that is their unadulterated version of the full comprehensive that all the other insurers use?? This is an all in ??

Must be a new format since last july😁.

Can you post a screenshot.

Make sure you have ncb, windscreen and breakdown cover at least.

chug

Henry Ford III

Wasn't gender based motor insurance premiums ruled to be discriminatory?

tjhook

https://www.boards.ie/discussion/comment/118798245#Comment_118798245

You mean "It's 4 Women"? It's a sneaky naming tactic, but men are free to get the same policy at the same price from them. I did once myself, but found other insurers better for me the next year.

Flinty997

The reason they look for the specific car reg is so they don't give you a different quote from their random number generator if they give you a quote through a different channel.

The only way to get a decent price is too try them all including brokers.

Eggs For Dinner

https://www.boards.ie/discussion/comment/118798245#Comment_118798245

Insurers cannot discriminate on the basis of gender. However, they are free to offer discounts to customers where the occupation or type of vehicle would be traditionally linked to females

chug

And something that's popped up in the answers here frequently are: Insurance Brokers

Before you read any further:

my understanding is a broker is there to represent my needs to an insurer.

After that it's a bit wishy washy with me until I see the real thing, i.e proof in the pudding and all that.

Soooooo then, are we not back in the same position with picking out an insurance broker???

What distinguishes one broker from the other?? There's way more brokers than there are insurance firms right???

And with another person now involved in the process how on earth would that equate to a lower price??

Then this goes without saying, they have access to all the quotes a novice like me has stumbled upon??? So now the price with them can only get lower??

Forgive me, but nearest I've experienced with a process like this have been hotel bookings and 3rd party sites. More often than not going direct to the hotel was cheaper.

But like I said earlier, what do I know. Thats why Im here to talk to you lovely people

lalababa

Insurace brokers by and large can get a lower quote as they have a large bank of clients...like a group discount...also they are more skilled at negotiating. That said sometimes they don't.

Pick a 1.4 reg off a car on donedeal. Actually ring Each prospective insurance company and haggle to beat the band. Trade quotes off the rest...ie "500?? yearra axa will do 475 ...gimme...450...etc.

chug

So then, I've just checked here in my home town, (provincal town, capital town) whatever you want to call it

There are 3 or 4 insurance brokering firms, one of which I know outside of motoring/insurance. These all clearly titled under insurance brokers and no names of connected insurance firms or any that.

Drop in the ocean yeah, but will I be in the ball park area for getting one of these brokered deals then or will I have to do further shopping around??

Basically a county town, so theres another 20-25 similar ones around the country, would this be a representative sample here then??

Yeah I'll contact when I have my ducks in a row, but just asking. Not going ringing every brokers name that pops up

Eggs For Dinner

Contact a larger or specialist broker. Many insurers from overseas will only channel their products through a broker. They will not deal directly with the public, even online. He smaller, provincial brokers usually only off products from the usual well known insurers and, unless they can secure bulk discounts, you won't do better than online yourself

chug

https://www.boards.ie/discussion/comment/118808390#Comment_118808390

Names??? PM if necessary. (this is getting exciting)

Henry Ford III

https://www.boards.ie/discussion/comment/118800577#Comment_118800577

Sounds like a bit of a fudge tbh

CramCycle

https://www.boards.ie/discussion/comment/118773681#Comment_118773681

Not a jot of difference, they are all automated at the other end. My daughter works for an insurance company and even with staff discount she is cheaper going elsewhere. They just enter the details, make sure you don't miss anything and confirm paperwork is in order.

It's a crapshoot. When I was starting (either 29 or 30) I got quotes of €4k+ for a 1 litre Panda. Saabs were coming in a bit less, makes sense. Ended up in a 1.8 diesel Focus which was the cheapest thing I could find to insure and it was still the guts of €2k. The quote I went with came down slightly when I had the reg and it was a slightly higher trim. Again, makes total sense right? 😂

chug

Ok ghost townies

Names names of brokers worth calling???

I tried a McCarthy group or something like that and they've yet to respond

Any other names????

chug

Insurance brokers

Names ASAP

Need to start calling around. Want a few reliable. Not going to every tome dick and harry

murphthesmurf

In a similar position.

Been trying to get quotes for my Mrs, she's decided to learn to drive. She's recently turned 51, never had insurance before.

I'd tried random cars from donedeal to get online quotes, most places won't quote. I picked the lowest insurance bracket cars too. We bought a little 1 ltr Corsa the weekend from a family member, 2005 so a few years old. She rang AXA today for a quote, the said they don't insure anyone over 30 who hasn't had insurance before. Got a quote from another for just over 1800 !! Car was only a quarter of that!

db

The price of your car makes very little difference to the cost of insurance. It's the price of the other car you crash into and the cost of any injuries they are worried about.