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Car insurance - tell us your quotes/renewals

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Comments

  • #2042
    Liam McPoyle
    Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    Cecelia Attractive Hitch wrote: »
    It's insurance, if they can find a way to do you, they will.

    Bullshyt tbh.


  • #2043
    flutered
    Registered Users, Registered Users 2 Posts: 6,724 ✭✭✭flutered


    i had insurance on a 05 mitsubisi grandis, d.i.d 2.0 vw tdi engine, until next nov, €750 was the charge to cover it, i had to change it to a 04 ford galaxy 1.9, they said another €100 please sir, even tho i was going to a lower powered engine, the broker gave no explanation saying the insurance companys can now act as they please


  • #2044
    flutered
    Registered Users, Registered Users 2 Posts: 6,724 ✭✭✭flutered


    Rod Munch wrote: »
    Bullshyt tbh.
    not bulshyt, its fact, i was charged €100 for going from a 2.0d to a 1.9d until next nov, no that is bullsch!t


  • #2045
    9935452
    Registered Users, Registered Users 2 Posts: 2,889 ✭✭✭9935452


    flutered wrote: »
    i had insurance on a 05 mitsubisi grandis, d.i.d 2.0 vw tdi engine, until next nov, €750 was the charge to cover it, i had to change it to a 04 ford galaxy 1.9, they said another €100 please sir, even tho i was going to a lower powered engine, the broker gave no explanation saying the insurance companys can now act as they please

    Possibly an administration fee


  • #2046
    Liam McPoyle
    Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    flutered wrote: »
    i had insurance on a 05 mitsubisi grandis, d.i.d 2.0 vw tdi engine, until next nov, €750 was the charge to cover it, i had to change it to a 04 ford galaxy 1.9, they said another €100 please sir, even tho i was going to a lower powered engine, the broker gave no explanation saying the insurance companys can now act as they please

    Most insurers apply an age of vehicle loading on cars 12+ years so I'd imagine that's where the charge is coming from.

    Sounds like you just happened to get speaking to someone that hasn't a clue.

    People get too caught up in the engine size as a rating factor.

    Eg, a 2010 2l Avensis will likely be cheaper than 2010 1.6l Mini.

    Power to weight ratio plays a big role.

    In simplistic terms a 1.6l car that weighs 1 tonne will accelerate alot faster than a 1.6l car that weighs 2 tonne and will be rated higher accordingly.


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  • #2047
    Liam McPoyle
    Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    flutered wrote: »
    not bulshyt, its fact, i was charged €100 for going from a 2.0d to a 1.9d until next nov, no that is bullsch!t

    See point above.

    Insurance is not simplistic.

    If companies can "do what they want" then why don't they charge customers that cannot move eg as they have an open claim, €5000 each?

    Or just flat out refuse to insure ethnic minorities?


  • #2048
    OCEANIC FIZZY POP NINE
    Banned (with Prison Access) Posts: 161 ✭✭OCEANIC FIZZY POP NINE


    Rod Munch wrote: »
    Most insurers apply an age of vehicle loading on cars 12+ years so I'd imagine that's where the charge is coming from.

    Sounds like you just happened to get speaking to someone that hasn't a clue.

    People get too caught up in the engine size as a rating factor.

    Eg, a 2010 2l Avensis will likely be cheaper than 2010 1.6l Mini.

    Power to weight ratio plays a big role.

    In simplistic terms a 1.6l car that weighs 1 tonne will accelerate alot faster than a 1.6l car that weighs 2 tonne and will be rated higher accordingly.

    you need to read back and you'll see theirs no system or sense to what they charge, it's pulled outta their arse plain and simple.


  • #2049
    Liam McPoyle
    Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    OCEANIC FIZZY POP NINE wrote: »
    you need to read back and you'll see theirs no system or sense to what they charge, it's pulled outta their arse plain and simple.

    Yes.

    They pull figures out of their arse.

    Your well thought out, insightful, thought provoking argument has convinced me.

    Kudos.


  • #2050
    OCEANIC FIZZY POP NINE
    Banned (with Prison Access) Posts: 161 ✭✭OCEANIC FIZZY POP NINE


    Rod Munch wrote: »
    Yes.

    They pull figures out of their arse.

    Your well thought out, insightful, thought provoking argument has convinced me.

    Kudos.

    My argument may not but if the hundreds of peoples experiences in this thread don't, well...


  • #2051
    flutered
    Registered Users, Registered Users 2 Posts: 6,724 ✭✭✭flutered


    Rod Munch wrote: »
    Most insurers apply an age of vehicle loading on cars 12+ years so I'd imagine that's where the charge is coming from.

    Sounds like you just happened to get speaking to someone that hasn't a clue.

    People get too caught up in the engine size as a rating factor.

    Eg, a 2010 2l Avensis will likely be cheaper than 2010 1.6l Mini.

    Power to weight ratio plays a big role.

    In simplistic terms a 1.6l car that weighs 1 tonne will accelerate alot faster than a 1.6l car that weighs 2 tonne and will be rated higher accordingly.
    the grandis is rated 138 horses, i doubt if the galaxy is rated that high, as it is no where near as flexible in the gear box game, in fact the galaxy is a mule compared to the grandis


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  • #2052
    flutered
    Registered Users, Registered Users 2 Posts: 6,724 ✭✭✭flutered


    Rod Munch wrote: »
    Most insurers apply an age of vehicle loading on cars 12+ years so I'd imagine that's where the charge is coming from.

    Sounds like you just happened to get speaking to someone that hasn't a clue.

    People get too caught up in the engine size as a rating factor.

    Eg, a 2010 2l Avensis will likely be cheaper than 2010 1.6l Mini.

    Power to weight ratio plays a big role.

    In simplistic terms a 1.6l car that weighs 1 tonne will accelerate alot faster than a 1.6l car that weighs 2 tonne and will be rated higher accordingly.
    i am sure the folks in the brokers office will be delighted to hear that some one on an anamyous intermnet fourm says that they have not got a clue, btw what the diffference in the weight ratio between the grandis and the galaxy, yes i know that the grandis is heavier, its wider its longer, the galaxy has a larger fuel tank and not as fugal as the grandis, (i think so far)


  • #2053
    Liam McPoyle
    Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    flutered wrote: »
    the grandis is rated 138 horses, i doubt if the galaxy is rated that high, as it is no where near as flexible in the gear box game, in fact the galaxy is a mule compared to the grandis

    I was talking in general terms about the different ratings.

    As I said above, most insurers will charge an age of vehicle load for vehicles +12 years of age so that's the most likely reason for the additional premium.


  • #2054
    Liam McPoyle
    Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    flutered wrote: »
    i am sure the folks in the brokers office will be delighted to hear that some one on an anamyous intermnet fourm says that they have not got a clue, btw what the diffference in the weight ratio between the grandis and the galaxy, yes i know that the grandis is heavier, its wider its longer, the galaxy has a larger fuel tank and not as fugal as the grandis, (i think so far)

    I'm employed as a senior underwriter for an insurance company and I work specifically in personal lines ie house and car insurance so i do know what I'm talking about.

    They told you they didn't know why the additional charge was there and that insurers can do what they want.

    That, to me, sounds like someone that doesn't have a clue.

    As to your question, off the top of my head I don't know but I'd think they would be very similarly rated.

    I think its the difference in age of vehicle that generated the charge tbh.

    As a matter of interest, did the €100 include an admin fee?


  • #2055
    inforfun
    Registered Users, Registered Users 2 Posts: 20,863 ✭✭✭✭inforfun


    03 Laguna 1.6
    Last year went to Bank of Ireland as they were by far the cheapest with €369

    Got renewal quote which is €412 despite no claims last year and now have 6 years NCB.

    An extra year no claim should mean a discount and not a 10% increase.
    Still less than last years 2nd cheapest quote so not going to waste time finding cheaper.

    At least the car passed the NCT first time of showing with the exhaust mounted with a tie rap.... (fixed now, found out 1,5 hour before the nct was due and took my chances)


  • #2056
    Sgt Pepper 64
    Registered Users, Registered Users 2 Posts: 9,627 ✭✭✭Sgt Pepper 64


    rang up no-nonsense and they tell me they no longer insure 10 year old cars!!


  • #2057
    SCOOP 64
    Registered Users, Registered Users 2 Posts: 5,572 ✭✭✭SCOOP 64


    Sgt Pepper 64 wrote: »
    rang up no-nonsense and they tell me they no longer insure 10 year old cars!!

    Its getting stupid now, a 2006 car is still quite new to me,i have a 98 car and 2008, thought the 98 would be bad enough to insure but wont be long before i have the same problem with the 2008, something will have to be done about these ridiculous insurance companys, what i dont know.


  • #2058
    boardsuser1
    Closed Accounts Posts: 6,186 ✭✭✭boardsuser1


    SCOOP 64 wrote: »
    Its getting stupid now, a 2006 car is still quite new to me, something will have to be done about these ridiculous insurance companys, what i dont know.

    As has long been said it is a cartel.

    Rod Munch might be able to explain as he is qualified and i'm not.

    The newer the car the more the government get in tax from the car sale if bought through a dealer.

    The higher the insurance premium the more the government take in tax also.

    On the flip side there are more and more driving without insurance thus more claims are being logged with the M.I.B.I

    As a result of that premiums are going up still further.

    I know the M.I.B.I have the 'right of recovery' but I haven't heard of a single case where in the event that they have been awarded a judgement in their favour they have actually gotten the money.

    The whole industry is crazy. when my insurance is up i'm considering selling the car and getting a bike. I drive trucks for a living anyway so no major loss of driving enjoyment.


  • #2059
    Liam McPoyle
    Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    Sgt Pepper 64 wrote: »
    rang up no-nonsense and they tell me they no longer insure 10 year old cars!!

    No nonsense stopped quoting for new business altogether around a year ago.


  • #2060
    wonski
    Registered Users, Registered Users 2 Posts: 13,685 ✭✭✭✭wonski


    Rod Munch wrote: »
    No nonsense stopped quoting for new business altogether around a year ago.

    It was probably fbd he/she talked to. Same (parent) company, but no more budget version of their main product. Sadly, because they were good for me in the past...


  • #2061
    DANNY2014
    Registered Users, Registered Users 2 Posts: 1,196 ✭✭✭DANNY2014


    Last year 450 Axa third party only... 11 years no claims... This year 865 jaysus... It's a 1999 it's only worth 300 to 400... madness...


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  • #2062
    cplwhisper
    Registered Users, Registered Users 2 Posts: 797 ✭✭✭cplwhisper


    DANNY2014 wrote: »
    Last year 450 Axa third party only... 11 years no claims... This year 865 jaysus... It's a 1999 it's only worth 300 to 400... madness...

    99 what car . If no accident/claims/conv or PPoints and same car as last year then rate is negotiable... third party only can actually be more expensive than third party fire and theft


  • #2063
    DANNY2014
    Registered Users, Registered Users 2 Posts: 1,196 ✭✭✭DANNY2014


    1.6ltr Renault scenic... Same car for 5 year... With same company... They have always been the cheapest... No ppoints no convictions etc... Clean driver license for 11 year... Mite look into third party fire and theft but last year they put the price up so I went with third party only to bring down costs... Ive been refused for a car that is older than ten years by some companies last year... Is there any laws to stop insurance companies from doing this... It's fairly one sided with them nowadays...


  • #2064
    cplwhisper
    Registered Users, Registered Users 2 Posts: 797 ✭✭✭cplwhisper


    When's ur renewal danny2014...not working until next Tuesday but if u can figure out how to send me private mail then I'll review ur case.. I'm curious in that rate change . And no I'm not here to spy on people . I'm here as car-nut


  • #2065
    johnb25
    Registered Users, Registered Users 2 Posts: 503 ✭✭✭johnb25


    Insurance for both our cars up in mid-January. Currently both insured with ARB, via Chill. ARB now withdrawn from the market. Renewal quotes below from Chill.
    My Insurance has gone from €371 to renewal quote of €709 with Liberty - +91%!!!
    Car 04 Avensis 2.0D, no points/claims. Age 50+. Mileage approx 20K per year. Cover is Comp, renewal does not include protected NCD.

    My wife's insurance has gone from €369 last year to €491 renewal quote this year; 33% increase. Renewal is with AXA. Car is 99 Yaris 1.0, no points/claims. Mileage approx 6K.


  • #2066
    cplwhisper
    Registered Users, Registered Users 2 Posts: 797 ✭✭✭cplwhisper


    johnb25 wrote: »
    Insurance for both our cars up in mid-January. Currently both insured with ARB, via Chill. ARB now withdrawn from the market. Renewal quotes below from Chill.
    My Insurance has gone from €371 to renewal quote of €709 with Liberty - +91%!!!
    Car 04 Avensis 2.0D, no points/claims. Age 50+. Mileage approx 20K per year. Cover is Comp, renewal does not include protected NCD.

    My wife's insurance has gone from €369 last year to €491 renewal quote this year; 33% increase. Renewal is with AXA. Car is 99 Yaris 1.0, no points/claims. Mileage approx 6K.

    If nothing changed in circumstance since last year then 369 plus 20% is lowest you'll get...


  • #2067
    Autosport
    Registered Users, Registered Users 2 Posts: 22,280 ✭✭✭✭Autosport


    I'm dreading my renewal next month when i see some of the prices here


  • #2068
    TAZ32
    Registered Users, Registered Users 2 Posts: 67 ✭✭TAZ32


    hi all

    January 2015 insurance €500,January 2016 €750 now January 2017 €1400
    on same car and with no change in circumstances,points or convictions etc... currently with fbd, happily saying i will not be with them in a few weeks, car is 2006 subaru forester 2.5xt


  • #2069
    SCOOP 64
    Registered Users, Registered Users 2 Posts: 5,572 ✭✭✭SCOOP 64


    TAZ32 wrote: »
    hi all

    January 2015 insurance €500,January 2016 €750 now January 2017 €1400
    on same car and with no change in circumstances,points or convictions etc... currently with fbd, happily saying i will not be with them in a few weeks, car is 2006 subaru forester 2.5xt

    Jesus, looks like they are trying to get rid of you.


  • #2070
    boardsuser1
    Closed Accounts Posts: 6,186 ✭✭✭boardsuser1


    SCOOP 64 wrote: »
    Jesus, looks like they are trying to get rid of you.

    It was mentioned here before that some companies do exactly that.


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  • #2071
    TAZ32
    Registered Users, Registered Users 2 Posts: 67 ✭✭TAZ32


    SCOOP 64 wrote: »
    Jesus, looks like they are trying to get rid of you.

    with them for the last 8-9 years, god knows why, one breakdown assist and that was it with them, no claims or anything. was even in two minds last year paying the 750 with them but i left it till last moment. their loss, not mine.


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