Car insurance - tell us your quotes/renewals

Chr15 · 13-01-2017 10:59PM

cplwhisper wrote: »

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..

I had put in exact spec from the drop down menu. I read it said that once I put in reg quite may change, but just couldn't believe it when it jumped that much - more than tripled in price. It's not like its a high spec model. Anyway, I went with the Liberty quote.

cplwhisper · 13-01-2017 11:04PM

Be sure to get minimum step back no claim bonus as liberty have a 'total loss' clause

Thus you have fire or theft claim that in your own mind , should have no effect on your insurance , think again

Liberty could remove all your hard earned bonus

SeanPuddin_ · 13-01-2017 11:08PM

cplwhisper wrote: »

Be sure to get minimum step back no claim bonus as liberty have a 'total loss' clause

Thus you have fire or theft claim that in your own mind , should have no effect on your insurance , think again

Liberty could remove all your hard earned bonus

I would never claim on fire or theft, I pay for the disc in the window and the protection of everyone else around me. It's the only way I can afford to keep on the road and I'm sure I'm not the only one.

cplwhisper · 13-01-2017 11:42PM

I understand , just thought to keep in mind,

Sam Kade · 13-01-2017 11:45PM

jordanfaf wrote: »

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

Is that insured as a named driver?

14-01-2017 12:12PM

SeanPuddin_ wrote: »

I would never claim on fire or theft, I pay for the disc in the window and the protection of everyone else around me. It's the only way I can afford to keep on the road and I'm sure I'm not the only one.

For me it would depend on the value of the car .
If the car was worth 25 grand you might not have a choice if it was stolen or went on fire.
If the car is only worth a grand or two its easier to take a hit like that.

You could put your excess up to a grand to get the premium down a bit.

Caroline_T · 17-01-2017 10:49AM

so angry just got my quote in, its usually around 380 mark, its 730 now??? :mad: its4woman.ie never claimed in my life!

Age: 35
Car: 2011 Ford Focus 1.6 Diesel
Years driving: 17 years
Claims: Never
Price & Provider: 730 its4woman.ie

inforfun · 17-01-2017 11:39AM

That is equality for you.
Or did you expect men to pay less when the companies were ordered to not "discriminate" between men and women anymore?

(not having a go at you)

morritty · 17-01-2017 11:40AM

Got my renewal in and took it.

Male, 26
2008 Mazda 6 1.8 Petrol.
5 years driving no claims.
AA last year: 750 full comp. This year: 950

All other providers ovewr 1300 :mad:

chancer12 · 17-01-2017 12:45PM

Caroline_T wrote: »

so angry just got my quote in, its usually around 380 mark, its 730 now??? :mad: its4woman.ie never claimed in my life!

Age: 35
Car: 2011 Ford Focus 1.6 Diesel
Years driving: 17 years
Claims: Never
Price & Provider: 730 its4woman.ie

Go to a broker and have them do a search for you. Some insurers seem to operate on the premise that their customers will move anyway and don't want to hold on to them. Certainly there's little value given to loyalty. I found Cornmarket good when changing health insurance. Might be worth a call.

amor3 · 17-01-2017 05:56PM

My son's quote!!!

wotzgoingon · 17-01-2017 06:04PM

amor3 wrote: »

My son's quote!!!

Wow. I would just presume he is still on provisional and either 17 or 18.

sporina · 17-01-2017 07:11PM

sporina wrote: »

Well, while haggling with 25plus, having chosen to protect my NCB - final price was €401 fully comp..
Then I got a discount voucher code - so end price is €366... not bad.. So happy with that..

One really has to check on line and call around.. the quote on line is just a starting point.. the real price you will get on the phone..

so renewal quote on the above is €686 - (€366 last year) - wtf?? It seems to be a trend. I spent a lot of man hours on this last year - don't wanna repeat it..

So I was with 25plus last year - female 30's 11 years NCB Toyota Yaris 01 1.2 ltr... any suggestions from anyone in the know or with similar circumstances?? thanks in advance.. I really don't have the time for endless shopping around and filling out quotes on line..

I know a lot of co's wont look at me due to the age of the car - I guess that narrows it down somewhat

oknepop · 17-01-2017 07:32PM

sporina wrote: »

so renewal quote on the above is €686 - (€366 last year) - wtf?? It seems to be a trend. I spent a lot of man hours on this last year - don't wanna repeat it..

So I was with 25plus last year - female 30's 11 years NCB Toyota Yaris 01 1.2 ltr... any suggestions from anyone in the know or with similar circumstances?? thanks in advance.. I really don't have the time for endless shopping around and filling out quotes on line..

I know a lot of co's wont look at me due to the age of the car - I guess that narrows it down somewhat

First Ireland is a broker and will quote cars up to 20 years old on a standard policy. Give them a try, the usually come back with ok prices.

wotzgoingon · 17-01-2017 07:53PM

oknepop wrote: »

First Ireland is a broker and will quote cars up to 20 years old on a standard policy. Give them a try, the usually come back with ok prices.

Just tried them there for myself.

Over €5000, male, 32, 4 NCB, TPFT.

amor3 · 17-01-2017 08:08PM

wotzgoingon wrote: »

Wow. I would just presume he is still on provisional and either 17 or 18.

Yes, he is 20 and on a provisional. Shocking all the same.

sporina · 18-01-2017 12:07AM

oknepop wrote: »

First Ireland is a broker and will quote cars up to 20 years old on a standard policy. Give them a try, the usually come back with ok prices.

thanks for that - will check it out

punisher5112 · 18-01-2017 08:12AM

amor3 wrote: »

Yes, he is 20 and on a provisional. Shocking all the same.

I got a quote of €6600 14 years ago as named driver on a 1.6 primer a.

Its gone mad altogether.

allibastor · 18-01-2017 10:28AM

punisher5112 wrote: »

I got a quote of €6600 14 years ago as named driver on a 1.6 primer a.

Its gone mad altogether.

Age: 32
Male
Car: Vectra 1.9 DTI
Claims: none
Points: None

Quotes:

2015: 375
2016: 687
2017: 1312

I am actually shocked. from 2013 -2016 I even had two points !!!!!!!

cplwhisper · 18-01-2017 02:48PM

Who ur insurer

davehey79 · 18-01-2017 03:16PM

Male 37

2016- €530
2017- €850

that is the renewal quote this year for same insurer (FBD)

So far the €850 is as cheap as anywhere

H3llR4iser · 18-01-2017 03:22PM

amor3 wrote: »

My son's quote!!!

Wow, just wow...I wonder if there's a case here for the outlook to be one where having private transport goes back to being something for the rich; I mean, if a family is supposed to cough up 7 grands fro their son or daughter to learn driving, chances are that the young fella will just take the bus.

I personally already know 2 people (in Dublin) who got rid of their cars due to the cost of insurance, one of them is even an enthusiast. What will happen when people in public transport served areas start not having cars anymore?

Will premiums go down as there are "less claims", or...will insurers try to charge people living in the countryside 20 grands/year?

techdiver · 18-01-2017 03:25PM

If things keep going they way they are it will reach a tipping point. In fact based on the number of uninsured drivers on the road, it looks like we already have to some extent.

Yes, some people, especially in Urban centres will give up their cars, but other, especially from rural areas not served by public transport will probably just dive uninsured.

TeaBagMania · 18-01-2017 03:32PM

what's the insurance cost on a moped

boardsuser1 · 18-01-2017 03:49PM

TeaBagMania wrote: »

what's the insurance cost on a moped

When I started out on a moped in 2003 it cost me €750 third party only on a Honda X8R-X. The tax for the year was €37 though.

TeaBagMania · 18-01-2017 04:03PM

ok so its settled then... a moped it is and the best rain suit money can buy

Mister Jingles · 18-01-2017 04:03PM

Got renewl quote. Looks like im saving about about 20-40 quid this year. Happy with that giving the ongoing increases.

zboz · 18-01-2017 04:08PM

H3llR4iser wrote: »

Wow, just wow...I wonder if there's a case here for the outlook to be one where having private transport goes back to being something for the rich; I mean, if a family is supposed to cough up 7 grands fro their son or daughter to learn driving, chances are that the young fella will just take the bus.

I personally already know 2 people (in Dublin) who got rid of their cars due to the cost of insurance, one of them is even an enthusiast. What will happen when people in public transport served areas start not having cars anymore?

Will premiums go down as there are "less claims", or...will insurers try to charge people living in the countryside 20 grands/year?

Self-Driving Cars to Cut U.S. Insurance Premiums 40%, Aon Says

The insurance impact of self-driving cars and shared mobility

techdiver · 18-01-2017 04:21PM

zboz wrote: »

Self-Driving Cars to Cut U.S. Insurance Premiums 40%, Aon Says

The insurance impact of self-driving cars and shared mobility

If that's the case why don't insurers already offer discounts for cars with added safety features?

I have added adaptive cruise control and emergency braking system to my new car at additional cost, but none of this will go towards lowering the premium despite reducing the chances of a collision...

Liam McPoyle · 18-01-2017 05:44PM

techdiver wrote: »

If that's the case why don't insurers already offer discounts for cars with added safety features?

I have added adaptive cruise control and emergency braking system to my new car at additional cost, but none of this will go towards lowering the premium despite reducing the chances of a collision...

As an underwriter this is something I think should get more attention.

The simplest and most effective one would be dash cams.

Say you fit a dash cam and it automatically gives you 10% off.

A tracker could give you another 5%.

I genuinely cannot understand why dash cams are not encouraged by insurers.

With the amount of low impact collisions that result in soft tissue damage (ie makey uppy try on claims) injuries, surely having concrete evidence that the impact couldn't possibly cause any physical injury would save an absolute fortune on the claims that are bogus.

Car insurance - tell us your quotes/renewals

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