Car insurance - tell us your quotes/renewals

givyjoe · 23-03-2017 4:26pm

leeside11 wrote: »

I'm with Aviva through a Broker in Cork, full comp, over 10 years licence, 04 Fiesta, 4 years NCB €438 which surprised me, was expecting a big increase.

Mind telling us the broker?

boardsuser1 · 23-03-2017 6:05pm

leeside11 wrote: »

I'm with Aviva through a Broker in Cork, full comp, over 10 years licence, 04 Fiesta, 4 years NCB €438 which surprised me, was expecting a big increase.

I'm with AXA in Cork, hopefully they reward 9 years of loyalty like Aviva did with yourself renewal due in 10 days.

leeside11 · 23-03-2017 7:25pm

givyjoe wrote: »

Mind telling us the broker?

McCarthy's Insurance Group Fermoy

zoky · 24-03-2017 1:06am

42years old. Full EU license with my second half as named driver, 9+ years NCD, no claims, 3 points on wife license. Car by myself only, class1, overall 28k a year.
BMW 118D bought January 2016. Changed old 2005 version of the same car.
No adjustments to policy at the time of car change. Renewal in March 2016 pretty much the same as 2015 ~ 500€.
Been with 25+ (AIG broker) for the last three years.
Renewal quotation this year 970€ !!!
Others quoted 1k plus.
Tried with full Irish license for both and price dropped to 700€ with 25plus. Still almost 50% increase plus hassle to replace EU to Irish license.
What's the heck???

smeal · 24-03-2017 10:35am

Female
23 years
Full Licence 4 years
NCB- 4 years
04 Opel Astra Petrol
Last Year: Its4Women €375.00 deposit with 10 monthly payments of €68.00= TOTAL=€1,055.00 for TPFT
Renewal: €999.73 (added my parents and it brought it down to €940.50) no deposit and 10 monthly payments of €103.46. Not too bad considering..

Haven't shopped around much but 123 have quoted €1,934.76 for TPFT!! I'll try another few but I am positive that my renewal is the best I will get!

UPDATE: The Underwriter with Its4Women is AIG at €940.50 however AIG directly quoted me €2,760.88!!!

dodzy · 24-03-2017 2:03pm

dodzy wrote: »

Ringing now. Will feedback. Cheers fred.

update:1030 best price 3rd p/f&t. Still hunting.

Dad. 81yrs old. Put him in a 03 Mazda 6 for Christmas up from a 1.6 focus. Full NCB, no points, no Cs or Cs.

Update: Rang / online applied to 15 companies (brokers and direct). 3 online applications would not quote (outside qualifying criteria).

2 on the phone would not quote.

The rest ranged from €2210 (Liberty) down to €1030 (AXA)

Last call was to my current insurer (Allianz). Added me as a named driver (clean record)

€644. Nearly fell off the chair. Payable over 12mths. He's over the bloody moon.

pawrick · 27-03-2017 2:01am

My renewal is in and is around what I expected:

737.35 fully comp + bonus protection and a lot of extras
2016 - 609.50
2015 - 510.02

same car and broker past 3 year - 2011 1.5 litre Qashqui + allianze broker
no points ever, no claims ever, 9+ years NCB but only 2 years full licence, rest was in my own name on a provisional

so far not getting anything cheaper online so will have to start making calls this week. About 1/2 the companies i tried online wont give me a quote, FBD online response even went as far to say they wont insure new business in that vehicle category?! AA and Blue insurance came the closest to match it.

I think its the 2 years full licence which is causing me the problems not matching my ncb.

fxotoole · 28-03-2017 10:08am

pawrick wrote: »

I think its the 2 years full licence which is causing me the problems not matching my ncb.

Quite possibly..... the algorithm is seeing a mismatch between the NCB and the length of time you've had a full license. In which case, getting on the phone and explaining the discrepancy to a human would hopefully reduce your quote.

MarkR · 28-03-2017 2:20pm

I've been tapping away on the computer today, wincing at the quotes I'm getting.
38 Years old, full irsh licence 10+ Years
No accidents. No convictions. No points.
Full NCB
Car is a 2010 Ford Focus used around Clare.

25plus.ie 616.21
paylessdirect 717
aa 684
aviva 678.94
liberty 966
Blue insurance 755
axa 752
Bank of Ireland 753
chill 785
AIG 1056
123 955
allianz 655.97
britton 811
fbd 679

Haven't even receievd my renewal quote yet, but not looking forward to it.

CSween133 · 28-03-2017 2:36pm

Got my renewal in post today from AIG,

Age: 19
Car type and engine: 2003 1.4 petrol VW Bora
years driving: 1
any claims: None and no points
Price and provider: €3300 from AIG (was €2200 last year)

Dont understand the jump at all? Any ideas of a good company for me to go to?

flexcon · 28-03-2017 4:29pm

CSween133 wrote: »

Got my renewal in post today from AIG,

Age: 19
Car type and engine: 2003 1.4 petrol VW Bora
years driving: 1
any claims: None and no points
Price and provider: €3300 from AIG (was €2200 last year)

Dont understand the jump at all? Any ideas of a good company for me to go to?

Literally one company comes to mind for you. Liberty.

BabyBirch · 28-03-2017 8:01pm

Does anyone have a list of insurers who'll cover a car over 15 years old? I'm so sick of putting in the same info over and over again and at the end being told I don't match the underwriting criteria :rolleyes:
Currently with BOI but was hoping I could find something lower than their renewal quote (€1010)

boardsuser1 · 28-03-2017 8:58pm

BabyBirch wrote: »

Does anyone have a list of insurers who'll cover a car over 15 years old? I'm so sick of putting in the same info over and over again and at the end being told I don't match the underwriting criteria :rolleyes:
Currently with BOI but was hoping I could find something lower than their renewal quote (€1010)

There is a thread specifically for cars of that age

-=al=- · 28-03-2017 9:09pm

BabyBirch wrote: »

Does anyone have a list of insurers who'll cover a car over 15 years old? I'm so sick of putting in the same info over and over again and at the end being told I don't match the underwriting criteria :rolleyes:
Currently with BOI but was hoping I could find something lower than their renewal quote (€1010)

Axa were the only people who would quote me on my 19 year old car. Couldn't find anyone else and kinda stuck with 'em. Renewal in September and not looking forward to it.

flexcon · 28-03-2017 9:12pm

BabyBirch wrote: »

Does anyone have a list of insurers who'll cover a car over 15 years old? I'm so sick of putting in the same info over and over again and at the end being told I don't match the underwriting criteria :rolleyes:
Currently with BOI but was hoping I could find something lower than their renewal quote (€1010)

Liberty do up to 20 I think

BabyBirch · 29-03-2017 7:11am

KC161 wrote: »

There is a thread specifically for cars of that age

Yeah I saw, it starts out listing insurers then many pages of discussion.. I think the ones listed are:

RSA
ARB
Liberty
Its4Women
BOI
Kennco

Pops_20 · 29-03-2017 11:15am

Substantial increase this year with Liberty Insurance.

1999 Toyota Starlet Glanza V, 25 years old, 5 years no claims, 3 points, Fully comp

2017 - €869
2016 - €632

I rang up and they basically wouldn't budge on the price. Previous years they would always have dropped it a bit. They tried to down sell me to TPFT for €720 then.

I don't think there's any possibility in moving to another company. No one seems to want to take on these cars unless you're already a customer.

I'll be hoping to swap the policy to a 1995 Nissan 180sx next week. Fingers crossed they actually just do it and don't refuse to quote like everyone else out there.

Not sure if it would be better to pay the renewal on the current car and then swap, or swap before the renewal date. Any suggestions?

duffman3833 · 29-03-2017 11:20am

Pops_20 wrote: »

I don't think there's any possibility in moving to another company. No one seems to want to take on these cars unless you're already a customer.

Try AXA
when i renewed my insurance with them, currently on 10 mazda 3, i asked if they would cover older cars as i will be downgrading to a Bangernomic soon (saving for house) and they said they have no age restrictions for cars, so that's why i went with them, also they were one of the cheapest also. Plus you can get AXA card, giving you discounts in certain shops

Pops_20 · 29-03-2017 11:40am

duffman3833 wrote: »

Try AXA

Spot on! First company to actually quote me online. Will definitely be giving them a call today.

flexcon · 29-03-2017 1:24pm

Pops_20 wrote: »

Substantial increase this year with Liberty Insurance.

1999 Toyota Starlet Glanza V, 25 years old, 5 years no claims, 3 points, Fully comp

2017 - €869
2016 - €632

I rang up and they basically wouldn't budge on the price. Previous years they would always have dropped it a bit. They tried to down sell me to TPFT for €720 then.

I don't think there's any possibility in moving to another company. No one seems to want to take on these cars unless you're already a customer.

I'll be hoping to swap the policy to a 1995 Nissan 180sx next week. Fingers crossed they actually just do it and don't refuse to quote like everyone else out there.

Not sure if it would be better to pay the renewal on the current car and then swap, or swap before the renewal date. Any suggestions?

anything under a grand for a Glanza you are doing well. Really. I think that sector is probably the tightest to get insurance, even the 180SX I'd be mad to see how you get on there! Best of luck!

Pops_20 · 29-03-2017 1:54pm

flexcon wrote: »

anything under a grand for a Glanza you are doing well. Really. I think that sector is probably the tightest to get insurance, even the 180SX I'd be mad to see how you get on there! Best of luck!

€760 fully comp believe it or not.

For any younger drivers out there, try insuring a parent or an older friend as a named driver on your policy. In this case, doing so gave me a €160 discount.

flexcon · 29-03-2017 2:03pm

Pops_20 wrote: »

€760 fully comp believe it or not.

For any younger drivers out there, try insuring a parent or an older friend as a named driver on your policy. In this case, doing so gave me a €160 discount.

Well done! honestly! Those cars are normally insane to try and insure. I guess liberty has got its Quinn direct day balls back....

bidiots · 29-03-2017 3:07pm

bidiots wrote: »

Last year over 620 fully comp which included AA membership
05 Volvo D5
Over 10 years license
Over 10 years NCB(though they won't give me a letter with more than 9)
No Points

FBD/25plus/BoI/Itsforwomen/AnPost/(Boxymo wouldn't quote online)
All are close to the 1000 or well over it when NCB protection is added.
AA renewal was 780 and got that to 670 TPFT

So, 2 years ago, 400 fully comp which included AA membership, to this.....Rip off shower of w@nK@rs:mad:

Any other suggestions for companies to try?

Update:
Allianz Direct - 550
Fully comp

Best AA could do to match was 720 and that was underwritten by Allianz.
So, better than last year thankfully but still too much for my age/experience/car!

andrew1977 · 30-03-2017 3:19pm

Car type and engine: Opel Insignia 2.0
years driving: 6+ no claims protection, age 39
any claims: 20k theft claim 3 years ago, 3 penalty points
Price and provider: Renewal with 25plus.ie 880 euro

Insurance bought today with Acorn insurance : 733 euro.

Happy..ish considering some of the online prices being thrown at me by various companies .

25plus.ie came down to 744 , wouldn't budge any futher, so I took my business elsewhere .
And 25plus.ie , all negotiations were done via online chat, not ideal for me as a customer, prefer deal on the phone,.

inforfun · 30-03-2017 3:24pm

Acorn insurance.
Eikel, Dutch for acorn, which we also use for dickhead.

You just insured your car with Dickhead Insurance.

boardsuser1 · 31-03-2017 2:51pm

Starting to get some quotes in now for my renewal.

Age 32
Licence; Full 9 years
Car; 2009 Ford Focus 1.6tdci
NCB; 8 years

Current insurer; AXA

Previous years quotes from them,

2015, 550e on a 2001 Megane
2016, 750e on the Focus.

Haven't received my AXA renewal quote yet.

Current quotes received.

AA Underwritten by AXA, 853e
Chill.ie 1015e
Aviva 1939e
Liberty 1262e
Kennco 1300e call back after refusing to quote online
AXA online 1223e
Acorn underwritten by Allianz 1368e

All of those quotes have the Mrs included on the Policy, learner permit holder, 3 years named on my policy.

bigboss1986 · 31-03-2017 3:00pm

''Sorry sir we cant take this car as it already has more than 6 owners''
Whaaaaa???:eek::eek::eek:

:(:mad:

It will be busy evening

cplwhisper · 31-03-2017 4:16pm

KC161 wrote: »

Starting to get some quotes in now for my renewal.

Age 32
Licence; Full 9 years
Car; 2009 Ford Focus 1.6tdci
NCB; 8 years

Current insurer; AXA

Previous years quotes from them,

2015, 550e on a 2001 Megane
2016, 750e on the Focus.

Haven't received my AXA renewal quote yet.

Current quotes received.

AA Underwritten by AXA, 853e
Chill.ie 1015e
Aviva 1939e
Liberty 1262e
Kennco 1300e call back after refusing to quote online
AXA online 1223e
Acorn underwritten by Allianz 1368e

All of those quotes have the Mrs included on the Policy, learner permit holder, 3 years named on my policy.[/quote
**************
Axa rate will be 'last years premium plus 20%'
Same benefits of - Fire, theft and attempted theft have no excess or loss of NCB
P-points of 4 each no extra

PM me if u get different in post from them

boardsuser1 · 31-03-2017 4:59pm

cplwhisper wrote: »

KC161 wrote: »

Starting to get some quotes in now for my renewal.

Age 32
Licence; Full 9 years
Car; 2009 Ford Focus 1.6tdci
NCB; 8 years

Current insurer; AXA

Previous years quotes from them,

2015, 550e on a 2001 Megane
2016, 750e on the Focus.

Haven't received my AXA renewal quote yet.

Current quotes received.

AA Underwritten by AXA, 853e
Chill.ie 1015e
Aviva 1939e
Liberty 1262e
Kennco 1300e call back after refusing to quote online
AXA online 1223e
Acorn underwritten by Allianz 1368e

All of those quotes have the Mrs included on the Policy, learner permit holder, 3 years named on my policy.[/quote
**************
Axa rate will be 'last years premium plus 20%'
Same benefits of - Fire, theft and attempted theft have no excess or loss of NCB
P-points of 4 each no extra

PM me if u get different in post from them

AXA dropped from €1150 to €750 last year In a split second. Will update when I get it.

boardsuser1 · 01-04-2017 10:27am

KC161 wrote: »

Starting to get some quotes in now for my renewal.

Age 32
Licence; Full 9 years
Car; 2009 Ford Focus 1.6tdci
NCB; 8 years

Current insurer; AXA

Previous years quotes from them,

2015, 550e on a 2001 Megane
2016, 750e on the Focus.

Haven't received my AXA renewal quote yet.

Current quotes received.

AA Underwritten by AXA, 853e
Chill.ie 1015e
Aviva 1939e
Liberty 1262e
Kennco 1300e call back after refusing to quote online
AXA online 1223e
Acorn underwritten by Allianz 1368e

All of those quotes have the Mrs included on the Policy, learner permit holder, 3 years named on my policy.

An update on these;

Got 3 quotes since posting here yesterday,

FBD 786e
Britton 1251e
Campion wouldn't quote.

The FBD price can probably be pushed down another bit i reckon, even as it stands that is only 36e more than what i paid last year.

AXA will need to do some serious work to keep me for a 10th consecutive year in this case.

Car insurance - tell us your quotes/renewals

Comments