TeaBagMania wrote: » ok so its settled then... a moped it is and the best rain suit money can buy
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
sporina wrote: » Ok - been searching - my insurance last year was actually €336 fully comp with 25plus = not 366 as above - renewal is €686... So I have been searching and went to a few brokers and the renewal quote is the best I can find (and its also the best value for money). The next best was Kennco @ €700.. the the AA between €562 - 695 depending on level of cover - and then Liberty - €933 any thoughts/recommendations?
SCOOP 64 wrote: » Still seems excessive for 1.2.ltr yaris and max no claims bonus , did you try Bank of Ireland ?
wotzgoingon wrote: » You are getting it cheap. I am paying the guts of a grand. I'm also in my 30's.
Two Gibraltar-based insurance companies are poised to enter the motor insurance market, providing extra capacity at a time when the local industry is under investigation by competition watchdogs for alleged price fixing. Patrona Underwriting, a local agent for insurers based abroad, confirmed on Friday that it had reached “a substantial capacity deal” with Gibraltar’s Alwyn Insurance, which is part of Arch Capital Group, a $9.5bn (€8.6bn) insurance provider based in Bermuda and listed in New York. The news came as another of Arch’s Gibraltar subsidiaries, Watford Insurance, is finalising a similar deal with Wrightway Underwriting, another Irish agent for overseas insurer
Rod Munch wrote: » 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.
allibastor wrote: » I agree 100% My younger sister, 22 had a crash before Christmas. The TOTAL damage for BOTH cars was 355+vat. That was for both cars, crash was she pulled out from parking sidewalk and other car kept driving as she pulled out and they hit sides. All of a sudden, lady who was hit is now getting 15K min from insurance due to whiplash. Even the guard who filled the forms said it is not possible to do damage at that speed. Most of the repair costs was paintwork FFS
JamboMac wrote: » Most insurance companies just pay out, they see solicitors as a major hassle and most witnesses won't be willing to testify in court against people claiming.
Rod Munch wrote: » Ya but no. You see that's all a ruse. What insurers are doing is telling claimants to feign injury. They do this on the quiet. They "pay" the claimants €10k each and put the other €5k in the miscellaneous tab. Every accident that happens they are gaining an extra €5k by charging every driver more for their insurance. It really is a cunning plan though there are a few folk around here that are onto the scam. These lads are better than Poiroit. They have no evidence but have still figured out the Gordon Gekko level of misappropriation. Serious lads on a treasure hunt they are.
givyjoe wrote: I dread looking any further as 25 plus were by far the cheapest last year.
Autosport wrote: » I'm looking at renewals at the moment and it's scary how much each company differs, I've tried the usuals but I dunno I might just start up my own company
sporina wrote: » So here is my update - after calling a few places and quotes on line and seeing a few brokers - I think I have it whittled down to these 2. 1. S25plus - 3rd party f&t - no window screen cover, break down assist and emerg. overnight accom; full NCB protection - Excess of €1050 (thats how they got my quote down to €527.. not bad from the original €686.. then 2. AA (AXA).. 3rd party f&t, window screen cover, emerg road side ass (had to get AA membership for this but it includes a few fuel card - 4c off every liter of fuel with Topaz. life time something or other (unlimited claims i think), step back protection on NCD, NO EXCESS. - quote (after much haggling) €519.. which would you go with? PS if you need to avail of roadside assistance does that affect your NCP?
SCOOP 64 wrote: » Using the breakdown service wont effect your NCB, do you have to take a years AA breakdown supscription to get that quote?
Fearne123 wrote: » Hi all, I am wondering how much of an impact the age and engine power of the car has on the quote? I am unemployed and live rather rural. I need transportation to get my kids to school and back, but I can't afford to pay over 500€ for insurance a year. I was down to a quote of 225€ in 2012 and it steadily went up to 460€ last year. I did not change my car (2005, 1.4l Petrol Ford) or had any accidents/claims ever (and I am driving for 25 years), but I am dreading my next renewal quote! Would it help to get a younger model car - perhaps with an even smaller engine? Or will I have to opt for the transportation of olden days, i.e. Horse & cart? Any insurance experts out there who give me a few tips? Thank you.
irishgeo wrote: » i just quoted a new car i am looking at on my current insurer and i nearly fell off my chair when they quoted me a lower figure.
KC161 wrote: » Pointless telling us the story without the vital part? Give us the price man, the excitement is killing us :pac::pac::pac:
sporina wrote: » ok - if there a significant difference between step back and full No Claims Bonus protection? As in, say the difference in price is €60 - but if one had a claim how much would that impact on price the following year - wither step back or full protection? Apparently there is a hike in price in renewal the following year if a claim is made, even if one has full protection.. what say those who know?
