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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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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?

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.

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

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

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

Liam McPoyle

Cecelia Attractive Hitch wrote: »

It's insurance, if they can find a way to do you, they will.

Bullshyt tbh.

zl1whqvjs75cdy

jacool wrote: »

Had a crash this year, not settled yet. Insurance up from €400 to €700.
Have another car and got quote for €400. Told them about crash and they said they had to talk to underwriters and would revert.
Can you be "punished" twice for one crash?
Would it be any better if I put the second car in my better half's name?

It's insurance, if they can find a way to do you, they will.

OCEANIC FIZZY POP NINE

Gergiev wrote: »

Did you go for that option?

I got a decent quote from them as well but I don't see a phone contact number listed which makes me a trifle nervous of dealing with them...

jaysus you're right, no number, well you'll get it through google but still. In their FAQ they say

There are times when we experience very high call and chat volumes and we apologise for this. However, 25Plus has been setup at an internet brand and we recommend that you use your "My25Plus" Online Portal as this should be able to answer any question you have.

If you are not already aware, from your "My25Plus" Online Portal you can do the following:

Make permanent and temporary changes of vehicle
Make permanent and temporary changes to drivers
Update your personal details
View your documents
Check the status of your account
Upload documents
View any claims against your policy
Renew your insurance
And More...

but you've no worries anyway, I got insurance with them good few times, they're underwritten by AIG. Fire ahead.

Gergiev

_Brian wrote: »

Have a renewal quote for €594 fully comp including limited business use. Think its best I'll get, very happy at that.. 25plus.ie

Did you go for that option?

I got a decent quote from them as well but I don't see a phone contact number listed which makes me a trifle nervous of dealing with them...

jacool

Had a crash this year, not settled yet. Insurance up from €400 to €700.
Have another car and got quote for €400. Told them about crash and they said they had to talk to underwriters and would revert.
Can you be "punished" twice for one crash?
Would it be any better if I put the second car in my better half's name?

_Brian

_Brian wrote: »

Renewal just arrived...
€1221

So the trend has been,

€440
€680
€850
€1221 (renewal quote)

What a joke..
Surely I'm low rsk, 44yo male, no convictions, no points, 09 VW tiguan, married 2 kids.. FFS

Have a renewal quote for €594 fully comp including limited business use. Think its best I'll get, very happy at that.. 25plus.ie

Squall Leonhart

Last year was 560 with Bank of Ireland, this year has dropped to 490.
5 years no claims, 11 year old car.

Faith+1

Saved over 150 by switching from FBD to AXA. Still paying 200 more than last year but It could be worse.

[Deleted User]

I have a feeling its my car thats putting the price up.

Just did another quick online quote this time for a 2010 citroen C5 auto estate diesel 1.9 which is more or less similar to my 1.9 diesel estate auto saab 9-3 2006

Online quote 886 euro with just one quote .... would get cheaper elsewhere alright....

Technoprisoner

2008 Mitsubishi evo 2.0ltr

Last year was €890
Renewal was €1140

When I phoned around the prices I was getting was anywhere between 2,000-3,400

Went online and got a quote from axa for €606

I tell ya I did a happy dance that day ðŸ˜œ

[Deleted User]

KC161 wrote: »

Is your occupation impacting on the quote?

It is and is not appearently. It is because its high risk but its not because i get a discount for the company i work for....

But ive been doing it last 2 years so shouldnt be a factor for this increase

boardsuser1

Kopparberg Strawberry and Lime wrote: »

Car is 2006

I am with bank of Ireland but they Cannot get me an online quote

Is your occupation impacting on the quote?

[Deleted User]

JamboMac wrote: »

Is the car in dreaded 15 year old bracket now?
Also did you try bank of Ireland especially if you have account.

Car is 2006

I am with bank of Ireland but they Cannot get me an online quote

JamboMac

Kopparberg Strawberry and Lime wrote: »

Got my renewal by text today from allianz

I got insured for 1k on my car at 24 with a 4 year bonus. Mid term i moved address and got a small refund

My renewal on the same car/address at 25 with a 5 year bonus is now 1570. An increase of 570euro

Being doing online quotes and it varies from 1.2k to 2K a year.

Madness

Is the car in dreaded 15 year old bracket now?
Also did you try bank of Ireland especially if you have account.

[Deleted User]

Got my renewal by text today from allianz

I got insured for 1k on my car at 24 with a 4 year bonus. Mid term i moved address and got a small refund

My renewal on the same car/address at 25 with a 5 year bonus is now 1570. An increase of 570euro

Being doing online quotes and it varies from 1.2k to 2K a year.

Madness

Faith+1

Colash wrote: »

700 is cheapest I can get that was Allianz . The broker that sent the renewal of 1150 has contacted me earlier with a magic figure of 850€ .. Haha

Its weird because the cheapest I got was with AXA yet in years gone by it was always the most expensive!? The mind boggles with this insurance milarky

Colash

Faith+1 wrote: »

Honestly I thought mine was bad but your jump is crazy. Ring Hastings Insurance brokers in Mayo. They got me the best quote today. Ring them on 094 9362137.

You've nothing to lose.

700 is cheapest I can get that was Allianz . The broker that sent the renewal of 1150 has contacted me earlier with a magic figure of 850€ .. Haha

Voodoomelon

33, 7 years NCB, garaged, full licence, 2005 740Li.

Renewal is €1220 with BOI, up from €1150 last year. After ringing 16 companies this time last year just to get that "cheap" quote, I am in me hole ringing anyone again this year. Not worth a moment of my time to be insulted all day long.

Faith+1

Colash wrote: »

Has anyone Acutally done ok or cheaper on their insurance renewals this year?
Mine renewal quote was 100% increase from 550 to 1150€ .. Has anybody been quoted cheaper or similar than what they have previously paid ?

Honestly I thought mine was bad but your jump is crazy. Ring Hastings Insurance brokers in Mayo. They got me the best quote today. Ring them on 094 9362137.

You've nothing to lose.

boardsuser1

9935452 wrote: »

2 or more in 5 years and they wont quote you .
Plus a lot of the windscreen claims are limited to 250 euro.

Had 3 claims for glass in 2009 (vandalism) and for 2010 my glass cover was taken off me for 1 year.

Colash

Has anyone Acutally done ok or cheaper on their insurance renewals this year?
Mine renewal quote was 100% increase from 550 to 1150€ .. Has anybody been quoted cheaper or similar than what they have previously paid ?

9935452

KC161 wrote: »

Question regarding windscreen claims for you?

If those said claims don't have an impact on NCB, then why do insurers ask claims history including windscreen claims?

Is it a case of putting your hand in the cookie jar will result in a slap on the wrist???

2 or more in 5 years and they wont quote you .
Plus a lot of the windscreen claims are limited to 250 euro.

Faith+1

readytosnap wrote: »

I should ring a few insurance companies for quotes just to see what the response is.

Why depress yourself? I spent 2 hours today ringing around and the best I could do was save 100 quid. Thats still 300 more Im paying than last year.

boardsuser1

Rod Munch wrote: »

All claims have to be disclosed to insurers.

If you purchase ncd protection, in the event of a claim, you do not lose your bonus. That bonus can be transferred, in full, to any insurer that is happy to quote.

Most insurers will have a threshold of acceptability for previous claims ie if you had a €50k claim in the last 5 years most wouldn't quote you even if you still kept your bonus, but if you had a claim for say €5k in the last 5 years and still had your full ncd most insurers will quote you.

Question regarding windscreen claims for you?

If those said claims don't have an impact on NCB, then why do insurers ask claims history including windscreen claims?

Is it a case of putting your hand in the cookie jar will result in a slap on the wrist???

readytosnap

I should ring a few insurance companies for quotes just to see what the response is.