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Child Item

Car insurance - tell us your quotes/renewals

jordanfaf

Just curious as to what people pay.
Your Age:
Car type and engine:
years driving:
any claims:
Price and provider:

Mine go as below

Age:18
Car: 2006 mini cooper S 1.6 172bhp
Years driving: year and a half
claims: 1 claim last year
price and provider: 1200 with Aviva

Pretty reasonable price considering claim and high performance I think

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Trojan

Saul T Nutzz wrote: »

Is your 123 policy lapsed?

Yep, by 1 day. If BOI called me yesterday it would have been a different story. And I did ask, but it doesn't matter to 123 whether the BOI insurance was cancelled, or nulled and void, in either circumstance the agent's supervisor said they'd be putting me through as new business.

wotzgoingon

Trojan wrote: »

Update on this.

My renewal quote from 123.ie was €783.37. BOI seemed to offer €714.15, but there was some ambiguity whether they included named experience as regular NCB and they updated the premium to €1206.98 after I sent in the documentation (2 years NCB plus 4 years named letter).

Called 123 back, but they can't renew me as I accepted the BOI policy at their original quote, so I'd be "new business". The new business quote is €1,930 (as compared to €793 renewal).

Fúck, they screw you at every chance they get.

Liam McPoyle

Trojan wrote: »

Update on this.

My renewal quote from 123.ie was €783.37. BOI seemed to offer €714.15, but there was some ambiguity whether they included named experience as regular NCB and they updated the premium to €1206.98 after I sent in the documentation (2 years NCB plus 4 years named letter).

Called 123 back, but they can't renew me as I accepted the BOI policy at their original quote, so I'd be "new business". The new business quote is €1,930 (as compared to €793 renewal).

Is your 123 policy lapsed?

Agent Smith

Sex: M

Age: 31

Car: 05 Fiesta Zetac, 1.2

NCD: 0 years

Licence: Provo/learners 6 years

Cover: Fully comp,

Highest Quote: €5200 Liberty

Best Quote: €980 Boxy (8k Per year)

Trojan

Update on this.

My renewal quote from 123.ie was €783.37. BOI seemed to offer €714.15, but there was some ambiguity whether they included named experience as regular NCB and they updated the premium to €1206.98 after I sent in the documentation (2 years NCB plus 4 years named letter).

Called 123 back, but they can't renew me as I accepted the BOI policy at their original quote, so I'd be "new business". The new business quote is €1,930 (as compared to €793 renewal).

H3llR4iser

Soooo, I got my renewal "invitation" from AA this morning. They "offer" me three options, they're all fairly bad when it comes to characteristics - none includes NCB protection, for a starter and all are TPFT, no comprehensive. I'll list only the cheapest one as it'd make zero sense to go for any of the others.

Age: 36
Location: Dublin 13
License: Full EU(Italy), held 18 years;
Penalty points: 0
NCB: 4 years (no claims ever made in my life, had no car for a while so Italian NCB expired);
Mileage: about 6/7k year;
Vehicle: 2006 Alfa Romeo 159 1.9 JTS - 160Hp
Renewal Premium: 957.80 Euro (Allianz through AA);

Up from 700 last year, it's an increase of 257.80 Euro; Not the worst, but still very significant; Premium in 2014 was 545.70 Euro. That means close to a 100% increase in two years - all while racking up a "bonus". Way to go.

Gonna run some more quotes but so far, a couple I tried flat out refused to provide me with one...

risteard7

I'm 28 with 3 years no claims and full licence. Gothe my renewal quote from Bank of Ireland €1380. I tried everywhere, closest to that was €1600 with Liberty.

Car is 05 passat tdi. I'm not paying crazy money so I can drive through a checkpoint. I'll be quitting my job and going on the dole no messing.

Special Circumstances

RollYerOwn wrote: »

Flipping flippety flip. I know the car is over 10 years but what the feck is the NCT for?

It's so insurers can give you a rough time / lower value for your car if something happens and you don't have one.

RollYerOwn

This from a friend (used Dublinstiofan's template and amended it here):

Gender: M
Living in: Dublin
Mileage: Less than 10k
Age: 44
Car: 1.5l Diesel Megane (2005)
NCD: Full
Licence: Full 10+ years, no points
Cover: TPFT,

Last year: €475
Best quote: Quoted €600 (123.ie)
Averaging over 8 quotes € 850 (most of the usual candidates around this figure)
Worst Quote so far: €1675 (AIG)

Flipping flippety flip. I know the car is over 10 years but what the feck is the NCT for?

The Guvnor

I've been with No Nonsense for a few years now - hence why it comes in still to me as No Nonsense.

I accept my €375 last year was good, previous year it was €345.

I was thinking maybe in and around the €600 mark this year - so the €831 seems like a mistake, if I've some spare time I'll call them up and suggest the made a typo on the page and surely it's €381!

I'll most likely use a broker and see what gives but I'm not holding my breath.

Special Circumstances

KC161 wrote: »

No nonsense weren't offering new business when i tried for a quote 6 months ago.

Yeah FBD have gone Total Nonsense now instead. 10year old car? Too old. 8 years old, get outta here ya scumbag!

MarkN

It jumps to FBD for a quote when you go to their site.

boardsuser1

MarkN wrote: »

Your post made me try them for a quote, put in my actual occupation - no quote available. Changed it to a financial role, quote given. Total bollocks.

No nonsense weren't offering new business when i tried for a quote 6 months ago.

MarkN

The Guvnor wrote: »

I'm with No Nonsense so FBD essentially.

Your post made me try them for a quote, put in my actual occupation - no quote available. Changed it to a financial role, quote given. Total bollocks.

The Guvnor

I'm with No Nonsense so FBD essentially.

2006 VW Touraeg 3.0 SE
Last year €375
This year €831
I knew it was going to go up but fcuk me that's some jump.
Obviously I'll be shopping around.

To add to the woes a mate drives a new shape M3 in UK - fully comp with added extras etc for £620!

We're getting screwed massively here - it's disgusting to say the least.

Worse for me as I live in North Dundalk so very close to the border but not quite close enough!

Special Circumstances

cplwhisper wrote: »

Has this 'groups' not come up before on boards?

Higher the group, higher the criteria a driver needs to have- as in more earned NBC and higher age bracket .

They've come up with regard to the UK but none of the other guys here would make any answer at all on groups here.

The high performance "citron c5 hdi" still cracks me up. And the idea that a 2.5T subaru would be in a lower group than a 2.2+ BMW. I suspect that there are so many other factors and rules and brainwaves at play here that any groupings are completely overridden in Ireland.

Special Circumstances

Saul T Nutzz wrote: »

If you need proof that a large saloon car is more structurally sound in the event of an accident than a mini there is even less hope for you than I initially thought tbh.

Mini = "structurally brittle"

Were you just inaccurate in phrasing that as a standalone rather than a comparison to a 7 series?

Or are you standing by it as a standalone?

Liam McPoyle

Special Circumstances wrote: »

citation needed

If you need proof that a large saloon car is more structurally sound in the event of an accident than a mini there is even less hope for you than I initially thought tbh.

Dublinstiofán

Gender: M

Age: 29

Car: Ford Kuga (120bhp)

NCD: Full

Licence: Full 8+ years, no points

Cover: Fully comp, NCB protected

Best quote: Quoted €1298 got same cover with AXA for €860

cplwhisper

Has this 'groups' not come up before on boards?

Higher the group, higher the criteria a driver needs to have- as in more earned NBC and higher age bracket .

cplwhisper

Has this 'groups' not come up before on boards?

Higher the group, higher the criteria a driver needs to have- as in more earned NBC and higher age bracket .

cplwhisper

Group 13 to 21 last times I checked. Pre'06 civics would flag higher groups.

A northern import (any brand) might be higher group than southern car but it's down to replacing cosmetics stuff like spotlamps etc in own damage claim

That's why when you buy a Passat ,a4 , Bmw , etc from U.K. Or north it costs more but ye all know the cars are better finished in spec.

Special Circumstances

cplwhisper wrote: »

99% probably the same with few internal changes... parkers i think is the UK site

Honda civic 1.8 petrol grouping?

I'm especially interested in the "cars we insure even though likely to have undeclared mods so we rack up the grouping for everyone on this basis" cars!

Does a "no hap imports" rule trump "hybrids are less risky" rule?

What are the 1%? Citroën C5 HDIs?

cplwhisper

Special Circumstances wrote: »

cplwhisper wrote: »

Insurance company's use mapping systems have group listings from 1-50 like the UK market.
group 1 start with cars like Toyota aygo to group 50 as high end prestige and performance sport cars.

100bhp car range group 14-30 depending on a range of factors.. freq of claim,cost of repairs, power to weight ratio and brands.

Jap imports cars and those that are normally modified ,but not always declared, also grouped higher than others.

Hybrid cars/Electic cars can be lower grouped than even the mid range cars

Can we see this grouping, like they can in the UK?

99% probably the same with few internal changes... parkers i think is the UK site

Special Circumstances

MarkN wrote: »

Just off the phone to Allianz and they "don't quote BMWs over 2.2" - joke shop.

hahaha but they will quote 2.5T subarus.... burrrrn.

Consistently inconsistent.

Special Circumstances

Saul T Nutzz wrote: »

Minis are very brittle structurally meaning if a mini is in a 50km crash the chances are passengers will suffer much worse injuries.

citation needed

Special Circumstances

cplwhisper wrote: »

Insurance company's use mapping systems have group listings from 1-50 like the UK market.
group 1 start with cars like Toyota aygo to group 50 as high end prestige and performance sport cars.

100bhp car range group 14-30 depending on a range of factors.. freq of claim,cost of repairs, power to weight ratio and brands.

Jap imports cars and those that are normally modified ,but not always declared, also grouped higher than others.

Hybrid cars/Electic cars can be lower grouped than even the mid range cars

Can we see this grouping, like they can in the UK?

cplwhisper

Special Circumstances wrote: »

cplwhisper wrote: »

Group 37 grandis thus far higher rate that other large MPVs

What is this grouping you speak of?

Insurance company's use mapping systems have group listings from 1-50 like the UK market.
group 1 start with cars like Toyota aygo to group 50 as high end prestige and performance sport cars.

100bhp car range group 14-30 depending on a range of factors.. freq of claim,cost of repairs, power to weight ratio and brands.

Jap imports cars and those that are normally modified ,but not always declared, also grouped higher than others.

Hybrid cars/Electic cars can be lower grouped than even the mid range cars

Liam McPoyle

SpannerMonkey wrote: »

ya i know it doesnt make sense there's but probably a lot more people crashing minis than 7 series'

Its not just that though.

Minis are very brittle structurally meaning if a mini is in a 50km crash the chances are passengers will suffer much worse injuries than passengers in a chunky saloon in a crash at the same speed.

SpannerMonkey

Edgarfrndly wrote: »

The mind boggles.

I've a 1.6 litre mini cooper. 8 years no claims / full license. No penalty points. 33 years old. Cheapest I can get a renewal with aviva is 1000. Your car is far more powerful.

ya i know it doesnt make sense there's but probably a lot more people crashing minis than 7 series'