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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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cplwhisper

inforfun wrote: »

Oh... and on another note......

If all those who quoted me 8/900 last year would stop contacting me this year either by mail of phone .... that would be great.

See..when u do quote online or unknownly get quotes on phone there is a box to tick or question asked 'periodically (insurer) may contact u in relation to (insurer products) thoughout next 13 months) most people say yes but have option to opt-out

boardsuser1

flyingsnail wrote: »

It depends what extras are included with fully comp and how much the price difference is. I have a 2003 car and ended going fully comp because of the extras like breakdown assist, glass cover and stepback cover were included.

Oddly I did see the price on some quotes increase when I selected TPFT over fully comp.

That happened to me as well in the early days of having fully comp, 2009/2010.

Nowadays however my daily runner is worth a few thousand so comprehensive is a must. my car is 8 years old and just passed the NCT last week for 27 months so i'll hang onto it a while yet.

boardsuser1

Fuzzy Clam wrote: »

On an old car do you think its best going for TPFT?
I've always had full comp but wondering if its best to go TPFT on a a 14 yo car.

As flyingsnail says, once there is glass cover,breakdown assist and bonus protection then i'd go for TPFT on an older car unless if it's written off you want to claim for it. but after the excess would you be able to claim much for such a car?

What is your own worth at 14 Y/O?

flyingsnail

Fuzzy Clam wrote: »

On an old car do you think its best going for TPFT?
I've always had full comp but wondering if its best to go TPFT on a a 14 yo car.

It depends what extras are included with fully comp and how much the price difference is. I have a 2003 car and ended going fully comp because of the extras like breakdown assist, glass cover and stepback cover were included.

Oddly I did see the price on some quotes increase when I selected TPFT over fully comp.

Fuzzy Clam

KC161 wrote:

If it was a 15 year old motor i'd go TPFT then but not with your current car.

On an old car do you think its best going for TPFT?
I've always had full comp but wondering if its best to go TPFT on a a 14 yo car.

boardsuser1

cefh17 wrote: »

Insurance is up on Sunday midnight, going to have to bite the bullet and go with my renewal, couldn't find a cheaper one in the end! Scared to not get fully comp but was getting TPFT for around €850 however

For the sake of the extra few quid i'd get fully comp.

You have a good car there.

If it was a 15 year old motor i'd go TPFT then but not with your current car.

cefh17

cefh17 wrote: »

Your Age: 24
Car type and engine: 2010 VW Jetta 1.6
Years driving: 6
Any claims: None
Price and provider: Kennco, €1,025

Was originally given a quote on my old car (on a 1.9 Golf TDI 2003 gone up only from €1,100 last year to €1,125) but having changed cars in the last month this is what I'm getting, fully comp. Trying to shop around but can't seem to get anything cheaper elsewhere.. Happy enough with the quote but can never seem to make the 'shopping around' work for me!

Insurance is up on Sunday midnight, going to have to bite the bullet and go with my renewal, couldn't find a cheaper one in the end! Scared to not get fully comp but was getting TPFT for around €850 however

Fuzzy Clam

Tyson Fury wrote:

The whole car insurance industry is a complete joke. My insurance has gone up over 1 thousand euro, luckily I can afford it but many others can't, it's no wonder so many are driving without insurance and I'd expect that number to grow in future as premiums become unfeasible. Certainly needs to be a proper investigation into the who industry.

I "think" the number of uninsured drivers has increased in the past couple of years. Probably as a result of increased premiums.
The insurance industry are causing problems, not solving them, by the extortionate rises in premiums .

I have a car approaching 15 years old. Its in very good mechanical condition and relatively low milage but I'm dreading my quote next year.

Mantis Toboggan

The whole car insurance industry is a complete joke. My insurance has gone up over 1 thousand euro, luckily I can afford it but many others can't, it's no wonder so many are driving without insurance and I'd expect that number to grow in future as premiums become unfeasible. Certainly needs to be a proper investigation into the who industry.

[Deleted User]

Fred Swanson wrote: »

This post has been deleted.

The whole thing is ****ed but myself and others have come across cases where it's the other way around so it's hard to blame the brokers.

Ryath

zerks wrote: »

Quote from Aviva for renewal just arrived in the post,cnuts want €100 more than I paid last year (€440 fully comp).They can sing for it.Time to go insurance shopping.

That increase sadly may be best you do. It actually isn't too bad compared to what some peoples renewals are. Changed to aviva for €379 last year renewal coming soon. Changed to a new car in October and had to pay an extra €80. Expect my renewal will be well over the €500 mark.

WhiskeyGoblin

My insurance has gone up from just under 1000 to just under 1500.

I suppose it has to do with having my girlfriend who is a learner on the policy.

Now to try and get a better quote for an 04 Corolla.

inforfun

Aviva was 440 for me too last year, Only BoI cheaper and all the other 100's more expensive. So i wish you good luck.

Cantona's Collars

Quote from Aviva for renewal just arrived in the post,cnuts want €100 more than I paid last year (€440 fully comp).They can sing for it.Time to go insurance shopping.

Fred Swanson

This post has been deleted.

inforfun

Oh... and on another note......

If all those who quoted me 8/900 last year would stop contacting me this year either by mail of phone .... that would be great.

Fozzie Bear

Fozzie Bear wrote: »

38 year old male / 10+ Full Irish / 9 years NCB / 2 penalty points
2002 1.4 Focus worth 2 grand
Co Galway / Galway city area
3rd P&FT
Missus on policy too / 35 yr old / Own car, Full Irish 10+ no points

2016 Renewal with 123.ie (I've been with them for 3/4 years) was €364.00.

They were far and away the cheapest again. The next cheapest was €683.00 with AXA (i think, can't remember exactly) and from there it went to over 800 quid from others. Surprised by how many companies who would not quote me at all. Its like being 20 years old again. Absolutely maddening some of them.

So this years quote from 123.ie came in. Exact same circumstances apart from the 2 penalty points which have been removed now. Car is only worth 1500 or less now. So my quote should go down a little? Right?

Not on Cuckoo-Crazy Land-Insurance World. Nope instead my insurance jumped 200 quid to €550. I'm guessing its because the car is 15 years old now. Haven't had a chance yet to ring the blood sucking paracites and shout obscenities at them or find out what bullsh1t reason they have.

Could only get Chill.ie to quote me on line and they were the grand total of €890! None of the rest would quote me. So it looks like I'll be paying the €550 this year and scrapping the car next year.

The real sickener is I put 4 new wheels on it before Xmas and spent another 250 quid putting it through the NCT. Needed a few small jobs done but apart form that its 100% and going like clockwork. My Mechanic was commenting on how clean and well maintaned a car it is (Down to previous owner garaging it).

inforfun

sporina wrote: »

awe come on... banks offer different charges.. gee you can find the same pair of shoes in various stores for different prices..

but i hear you and empathize with you.. but we cannot fight the power of the car insurance industry (or the number of fatalities and claims; all we can do is take care on the road ourselves) - all we can do is the best we can - shop around.. and try to get the best price..

Life would be a lot easier in that respect if it wasnt for the serious lack of price comparison websites here.
Not just for insurance but for basically everything.

sporina

givyjoe wrote: »

Sorry, all industries most certainly do not operate the way the Irish Motor Insurance industry currently does.

Great if it works for you do, it didn't for me last year.. there's unlikely to be much wiggle room in quotes of 1.3k and upwards, at least palatable wiggle room. I'll not hold my breath that it will be better this year seen as premiums continue to rise.

awe come on... banks offer different charges.. gee you can find the same pair of shoes in various stores for different prices..

but i hear you and empathize with you.. but we cannot fight the power of the car insurance industry (or the number of fatalities and claims; all we can do is take care on the road ourselves) - all we can do is the best we can - shop around.. and try to get the best price..

inforfun

3rd column is indeed fully comp & extra's, middle is TPFT, left one is just 3rd party

Now the ones with "normal" quotes, like myself, probably will not see that much of a difference.
But i have never heard of anyone in Holland getting a €3000 quote on a 1L ****box.
But we dont do provisionals either.

Potential-Monke

inforfun wrote: »

https://www.independer.nl/autoverzekering/intro.aspx

Here, €78.50 a month for TPFT. Over there, with the highest option (which i'd imagine is Fully Comp with all the extras, i don't speak Dutch!) was €35.59 a month...

givyjoe

sporina wrote: »

thats the same in all industries - prices and packages differ..

its time to act - not feel.. get your quotes on line and then get on the phone and haggle - seems to work for me

Sorry, all industries most certainly do not operate the way the Irish Motor Insurance industry currently does.

Great if it works for you do, it didn't for me last year.. there's unlikely to be much wiggle room in quotes of 1.3k and upwards, at least palatable wiggle room. I'll not hold my breath that it will be better this year seen as premiums continue to rise.

sporina

givyjoe wrote: »

You do have to have insurance though and when many people are getting crazy quotes EVERYWHERE.. how are they supposed to feel?

thats the same in all industries - prices and packages differ..

its time to act - not feel.. get your quotes on line and then get on the phone and haggle - seems to work for me

sporina

givyjoe wrote: »

You do have to have insurance though and when many people are getting crazy quotes EVERYWHERE.. how are they supposed to feel?

thats the way of the world unfortunately - same in all industries..

get your quote on line and then get on the phone and haggle haggle - thats what works for me

inforfun

Rod Munch wrote: »

Why wouldn't it be cheaper?

Are you paying a low premium here?

I keep hearing how Irish insurers are gouging but on continental Europe you can get insurance for about tree fiddy.

If its not too much hassle for you I'd love if you could try, just to see would they quote you seeing as you are (presumably) residing in RoI and to see what they would quote.

Posted my quote (renewal with BoI) here a while ago and didnt bother looking anywhere else. Up by about 10% despite another year no claim extra but that would still be 10% cheaper than last year's 2nd best quote i had.
For once i dint want to have to make call after call and get bored with quote of €8/900
So i just took the €400 i got quoted by BoI

I am indeed residing here. It was me who posted the screenshot of a Dutch insurance comparison site a couple of pages ago. Those were the quotes i got using my old Dutch address though but my current cars details (year, engine etc)
Cheapest i could get was €21.50 a month.

The problem is, there isnt really any like for like comparison to make.
That €21,50 would give me exactly what i want. 3rd party only, no extra's
You cant even get that here but on a 14 year old car, it is exactly what i want.

it is a bit as with broadband internet. You pay €50 a month and you get "free" phone thrown in with. I dont want a phone, i want cheaper broadband.

As for trying to get them to quote me in Holland.... Cant use my address on those website as they only need zipcode and house number which is in a format 1234 AA 123
So it would require me to call them....

For those who like a little Dutch adventure....

https://www.independer.nl/autoverzekering/intro.aspx

Leave "kenteken" blank, just tick the box below (onbekend)
Postcode, pick 4 numbers, starting with 10 or 30 and 2 letters)
10 = Amsterdam, 30 rotterdam. cant get any dearer than that.
Huisnummer = Housenumber. keep it below 100 and should be fine.
3rd box can be left empty

Click big yellow box.

Next page is a bunch of drop down menu's. click them and you ll see what they ask for. (brand, type, year/month built)

Click yellow box

Next is your personal details
DOB
Kilometers per year
NCB years

Next yellow box and your quotes will show.

Their recommendation is marked by a purple box for the type of insurance, not the insurer per se.

Edit:

Asked Independer via twitter if it was possible for me to insure my Irish registered car with an Irish address with a Dutch insurer.
Answer was that you can only insure a Dutch registered car while you yourself is also registered in The Netherlands, with a Dutch insurer.

So, maybe the EU rules tell you you can do it (i dont know), it is just not going to happen.

givyjoe

Rod Munch wrote: »

Who is screwing older drivers?

Are liberty putting a gun to peoples head?

You don't have to buy a quote.

You do have to have insurance though and when many people are getting crazy quotes EVERYWHERE.. how are they supposed to feel?

arkrow

Why is there not a proper comparison site here?

Autosport

Autosport wrote: »

Your Age: 30+
Gender: Female
Car type and engine: Volvo V40 2L
years driving: 15+ but only 6 count
any claims: none
Price and provider: Axa renewal €853
Avivia : €890
Liberty: €954

At this stage I'm thinking of getting a bike

Just an update on this

AIG €1080:50
An Post: €957
Zurich €883

I'm giving up

I now understand why people don't bother with it

Liam McPoyle

Senor Fancy Pants wrote: »

If insurance companys want a specific customer type....then they should mention it on their website.

That would save a lot of time and less acting the bollox.

Although, being given a ridiculously high quote and hoping you will feck off smells like discrimination to me.

If insurers stated on their site or otherwise that they will only quote X,Y & Z cheaply then I reckon within less than 24 hours they would be slapped with multiple discrimination lawsuits.

Its not discrimination to charge someone more.

It is discrimination to say they only want to quote X,Y & Z cheaply.

Barry Badrinath

If insurance companys want a specific customer type....then they should mention it on their website.

That would save a lot of time and less acting the bollox.

Although, being given a ridiculously high quote and hoping you will feck off smells like discrimination to me.