Car insurance - tell us your quotes/renewals

inforfun · 09-01-2017 10:45PM

TeaBagMania wrote: »

Is it the EU drivers license? maybe a full Irish license will drop a few $$$

Didnt make a difference for me when i still had my Dutch one. Might be different for other nationalities.

mounting hillary · 10-01-2017 11:04PM

Seriously - the mind is boggling on this one.
Me M40+ Full Licence since '95 full NCB on 2 separate non mirrored policies.
Spouse F35+ Full Licence but only ever a named driver on my policy.
2.0 subaru forester non-turbo
Last year AXA via Chill 840 - this was okay as Spouse only had a provisional at the time.

Renewal this year "Cheapest" was 1120 with AXA via Chill.
Quote of the day is:
"Your wife is now a novice (passed test mid policy) so she can drive unaccompanied - so she's a higher risk - hence the increase"
Tried all online forms but car is over 15yrs old so no online quotes.
Got a few callbacks and made a few calls all coming in over the renewal price from Chill.
Rang Chill to see if I could do better - no joy.
Even AXA Direct couldn't do (much)better had an issue with age of car quoted as I had a renewal offer in place.

A few friends recommended a local Broker:
Fitzgerald Insurances Kanturk.
Went in after work.
Dealt face to face with the helpful staff got a policy for 815 from....
wait for it.....
AXA!

Seriously WTF?
I ended up with the same policy for less than I paid last year! TPFT + Windscreen + NCB Protection 500 excess with the same company!
Paid in full - cert is on the kitchen counter waiting to be put into window holder.

minzabud · 11-01-2017 12:08AM

Feeling like I've used my get out of jail free card.

06 is220d
30yr old male
3 (new) points
Renewal with First Ireland 1350e
New policy with 123 710e

Next year won't be as good to me

Gloomtastic! · 11-01-2017 01:01PM

The madness that is motor insurance premiums......

Male
51
04 Kangoo 1.2
4 years no claims
Full License, 0 points

Last year - € 785 - RSA via 123.ie
Renewal - € 878

Quote: Axa - €450.00

Mrs G
Younger than me

05 Rav4 2(?)
10+ years NCB
Full Licence, 0 points
Last year - € 623 - RSA via 123.ie
Renewal - € 838

Quote: Axa - €400.00

Needless to say, I bit his hand off........:D

Mantis Toboggan · 11-01-2017 02:15PM

Male 31

Lost my no claims bonus last year when a tree fell on my car.

No penalty points, Full licence for 11 years.

Last year 520 FBD
This year 1525 FBD

Unfortunately a lot of companies wouldn't even quote me.

Bank of Ireland quoted me 1200 which I've gone for.

Can I just say on FBD, the most unprofessional, inept company I've come across when dealing with a claim. Worse than useless. Certainly think twice before taking out any insurance policy with FBD.

CramCycle · 11-01-2017 04:06PM

Gloomtastic! wrote: »

Mrs G
Younger than me
05 Rav4 2(?)
10+ years NCB
Full Licence, 0 points
Last year - € 623 - RSA via 123.ie
Renewal - € 838

Quote: Axa - €400.00

Needless to say, I bit his hand off........:D

I know where i am sending my OH, same circumstances but AA instead of 123. Will check with AXA later .

jive · 11-01-2017 05:10PM

26 male, 1 additional driver (female full licence), no points, 8 years NCB, 8 years full licence, quotes below incl. NCB protection (except FBD probably).

Liberty 1190.27
123.ie 944.03
25plus.ie 889
AXA 922.18
Aviva 777.54
AIG 797.53 XLNTDriver
FBD 834.75 (not many details incl. in quote)

Question on XLNTDriver as I cycle with my phone to work - it will record these journeys - anyone have experience of this? I don't want to have to delete a twice daily journey to and from work each time! I'm currently with Aviva so renewal quote may be higher.

corcaigh1 · 11-01-2017 06:50PM

readytosnap wrote: »

50
2014 vw up 1.0
1 claim last year (none prior to that) €7000 for a new engine (contaminated fuel)
renewed with Aviva
(stayed with them as they did pay my claim, unlike a lot of other insurance companies)

€364 fully comp, ncb protection, personal worldwide injury insurance included (for any injury sustained as a fee paying passenger on any transport)
Wife on policy also, both have full licence, driving of other cars.

Wtf?? 7k new engine? Good lord, do you know where the fuel was purchased and follow up?

Liam McPoyle · 11-01-2017 07:25PM

corcaigh1 wrote: »

Wtf?? 7k new engine? Good lord, do you know here the fuel was purchased and follow up?

I'd imagine if the contaminated fuel came from a garage then the insurer will pursue the garage for recovery under their own (the garage) public liability insurance.

corcaigh1 · 11-01-2017 09:26PM

Rod Munch wrote: »

I'd imagine if the contaminated fuel came from a garage then the insurer will pursue the garage for recovery under their own (the garage) public liability insurance.

Ahh, well that would hopefully resolve the matter fairly

11-01-2017 09:35PM

corcaigh1 wrote: »

Ahh, well that would hopefully resolve the matter fairly

I dont think it would be too easy to prove where the fuel was bought .
When did the damage occur , what fill of fuel caused it .
Most people will fill in 3 or 4 different filling stations and a lot wont get receipts , so no proof the fuel was bought at a certain station

Bambaata · 12-01-2017 09:25AM

33 male
No penalty points, 6 years no claims
9 years license
131 Peugeot 508SW 2.0 163bhp
Class 1 use
Meath address (moved from D12 - original requote at old addres was 889!)
Fully comp

123.ie - €699
Tried others but all over 1k bar JLT who quoted €800
Bought this car during the period, had been third party fire and theft on a 02 Megane previously €510 and topped up in June by about €120 to fully comp C1

ytpe2r5bxkn0c1 · 12-01-2017 12:41PM

Just got my renewal quote. Up by almost a €100 to €672

73 year old, full no claims bonus, fully comp with NCB fully protected.

151 2L Diesel

Not too bad at all.

LuckyGent88 · 12-01-2017 12:48PM

28 year old male
8 years full licence.
2 years ncb. Lost first 3 years due to having left the country for over 3 years

2010 1.6d Ford Focus
No claims, no penalty points

Current insurance is exactly 1000. Up in 3 weeks so started looking around. Renewal notice came and quote was 1,265 euro. Expected an increase but some of the quotes are mind boggling.

123.ie. 2,245
Chill. 2000
Axa. 1750
Aib. 1908
Liberty 1450
Blue 1400
No quote from its4women, air or Allianz.

Now I went to fbd branch a couple of days ago and said they couldn't insure me but when I put me details online I get a quote for 1,100 which is the cheapest Iv found. Rang them up because I was unsure why I was refused face to face but was quoted online and they said that my details entered are fine. Something seriously wrong with our insurance market.

flyingsnail · 12-01-2017 05:22PM

29 YO Male, Licence 9 years, 8 years NCB, no points, claims, convictions ect.. 2003 1.8 Petrol Ford Mondeo
Renewed with Allianz for 785 (down from 860 last year) A few wont quote on the car because of age but I am sure that will get worse next year when it becomes 15.

AIG and Liberty were the stars this year :rolleyes:
AIG €3,047.40
Liberty €3116.84

AA Ireland €1186.88
Acorn €996.25
Axa €1051.36
Bank of Ireland €1157.06
Chill.ie €1203
FBD €906.29
first Ireland €2113.02
Liberty €3116.84
One Direct / an post €1700
Zurich €990

corcaigh1 · 12-01-2017 07:00PM

Michelle Dry Physician wrote: »

Just got my renewal quote. Up by almost a €100 to €672

73 year old, full no claims bonus, fully comp with NCB fully protected.

151 2L Diesel

Not too bad at all.

Not too bad?? 73 years old and full no claims @ €672. I would have thought you would be around the €400-500 mark?

punisher5112 · 12-01-2017 07:06PM

corcaigh1 wrote: »

Not too bad?? 73 years old and full no claims @ €672. I would have thought you would be around the €400-500 mark?

Lot of money alright.

cplwhisper · 12-01-2017 08:00PM

EU licence can cost as much as 42% more that I.E. licence , Also lee-way for 3 PPoints can't be negotiated as no way to prove clean record

boardsuser1 · 12-01-2017 08:49PM

Michelle Dry Physician wrote: »

Just got my renewal quote. Up by almost a €100 to €672

73 year old, full no claims bonus, fully comp with NCB fully protected.

151 2L Diesel

Not too bad at all.

I'm baffled at this given your age. :eek:

My last renewal was 750e and i'm 32 years old

My Dad (60) and his Wife (49) are insured on a Corolla for 330e.

Liam McPoyle · 12-01-2017 09:10PM

KC161 wrote: »

I'm baffled at this given your age. :eek:

My last renewal was 750e and i'm 32 years old

My Dad (60) and his Wife (49) are insured on a Corolla for 330e.

Over 71 generally incurs an additional age loading.

LawlessBoy · 12-01-2017 09:22PM

Got my renewal in the door this morning up on last year by approx €500 at €2241. The renewal is with Kennco through QuoteDevil.

20
full irish licence
3 year NCB
2006 1.9TDI Passat
3 penalty points

Cheapest i can get anywhere is €2003 with liberty through chill and thats only TPFT with 3rd party extension feel as if the 3 years no claims ive built up are irrelevant

boardsuser1 · 12-01-2017 11:24PM

Rod Munch wrote: »

Over 71 generally incurs an additional age loading.

Never knew that.

Is it a certain percentage or a fee?

Carbon125 · 13-01-2017 05:32AM

cplwhisper wrote: »

EU licence can cost as much as 42% more that I.E. licence

Seriously?? Wow. Must swap over to an IE licence then.
Had no idea a small piece of plastic would magically improve my driving skills.

Liam McPoyle · 13-01-2017 07:22AM

KC161 wrote: »

Never knew that.

Is it a certain percentage or a fee?

A percentage of the base premium, generally around 10 -15%.

cplwhisper · 13-01-2017 03:33PM

Carbon125 wrote: »

cplwhisper wrote: »

EU licence can cost as much as 42% more that I.E. licence

Seriously?? Wow. Must swap over to an IE licence then.
Had no idea a small piece of plastic would magically improve my driving skills.

Irish licence will uncover any penalty points u forgot to mention to ins company....

chancer12 · 13-01-2017 03:38PM

Heard a radio report over Christmas that 1 in 14 drivers doesn't have insurance, no wonder the rest of us are paying such high premiums. Of equal concern is that fact that these drivers won't have motor tax or NCT either so likely to be driving dangerous cars. Maybe we should all blitz our politicians for action. The insurance industry also should be doing more to protect those who are compliant.

Carbon125 · 13-01-2017 07:45PM

cplwhisper wrote: »

Irish licence will uncover any penalty points u forgot to mention to ins company....

Nothing to uncover there, my slate is clean!

Chr15 · 13-01-2017 10:30PM

Your Age: 29 F
Car type and engine: 171 Hyundai i20 1.2
years driving: 9, 0NCB, but 9 years as named driver
any claims: none and no penalty points
Price and provider: Liberty €818 (fully comp)

Other quotes I got were all €2000+ except for AXA.
Got quoted €696 from AXA (both online and then confirmed over phone). Had all details in (make,model etc etc) until I went to pay. Put in reg no and all of a sudden quote has changed to €2300. How on earth can it jump so much when no details had changed?

cplwhisper · 13-01-2017 10:50PM

There are 7 Irish spec models and 8 uk import model i20's

If when you enter the reg number and it gives you option to choose the car u own, it's advises you that price is subject to change when car reg is verified.

It's like when you went to buy car and garage gave you multiple prices..

SeanPuddin_ · 13-01-2017 10:54PM

Age:31
Car: 2003 Volvo S40 1.9D
Years driving: 9
claims: 0
price and provider: €385 with Liberty (TPFT)

Very happy to knock near 300 off previous premium

Car insurance - tell us your quotes/renewals

Comments