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Car insurance - tell us your quotes/renewals

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    #3362
    pawrick
    Registered Users Posts: 1,722 ✭✭✭pawrick


    pawrick wrote: »

    2017 - 737.35 fully comp
    2016 - 609.50 fully comp
    2015 - 510.02 fully comp

    that time again, renewal in this morning €775 , no change to anything from previous years.


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    #3363
    glen123
    Registered Users Posts: 554 ✭✭✭glen123


    40
    Female
    Ncd 9 years
    Full Irish licence - 14 years
    2007 Golf 1.4 Petrol
    No points
    No modifications
    Value €3000

    Got renewal from Allianz (F/Comprehensive) - 363.13eur. Went down by 10eur from last year. Also have husband on this policy with no claims and Full licence.


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    #3364
    brainiac
    Registered Users Posts: 536 ✭✭✭brainiac


    24
    Male
    NCD 5 Years
    Full Irish License - 4 Years
    2009 Hyundai i20 1.2 Classic 1248cc
    No points
    No modifications
    Value €3500
    Dublin 15 area
    €0 value claim (insurer paid back) from 2017

    After much back and forth with a few of the insurers with best prices (only including comprehensive quotes):

    AA - €885
    Bank of Ireland - €1030
    Campion (via Asgard) - €782
    Chill (via Asgard) - €782
    Cover in a Click - €825
    Sheridan - €850
    KennCo - €800
    AXA - €880
    Allianz - €1040
    Quote Devil - €880
    Zurich - €1020
    Blue - €1300
    123.ie - €1400
    Liberty - No Quote
    Aviva - No Quote
    AIG - No Quote

    Most TPFT I asked about was around the €700 - €750 range just for reference sake.

    Going to go with Campion (for €782) over Chill for no reason other than I liked the guy I was on to, it's the same Asgard policy either way.


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    #3365
    mattser
    Registered Users Posts: 2,211 ✭✭✭mattser


    marvsins wrote: »
    In fairness just got a quote of €550 from 25plus. BoI quoted €1100 !! My current policy is 750 (allianz.plc)though my broker which is due in May.

    Just wait until you have a problem, ( hopefully not ), and have to deal with them online :mad::mad:


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    #3366
    Kuva
    Closed Accounts Posts: 870 ✭✭✭Kuva


    mattser wrote: »
    Just wait until you have a problem, ( hopefully not ), and have to deal with them online :mad::mad:
    https://www.25plus.ie/help-centre/car-insurance-help-centre/make-or-track-a-claim.aspx

    Do they not answer?


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    #3367
    grogi
    Registered Users Posts: 8,615 ✭✭✭grogi


    mattser wrote: »
    Just wait until you have a problem, ( hopefully not ), and have to deal with them online :mad::mad:

    Problem with what? Claims are processed directly by underwriter, not by the broker...


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    #3368
    mattser
    Registered Users Posts: 2,211 ✭✭✭mattser


    grogi wrote: »
    Problem with what? Claims are processed directly by underwriter, not by the broker...

    Wasn't a claim in my case. Had to do with change of car. Very hard to get anywhere on chat ( broker ). Then it can take 48 hours for a callback.

    Nothing beats being able to pick up a phone and talk to someone.


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    #3369
    tiredblondie
    Registered Users Posts: 706 ✭✭✭tiredblondie


    37 F
    9+ NCD
    No penalty points
    171 Dacia Sandero 0.9l
    1 additional driver 35M

    Last year its4women 501
    Renewal 606!!

    Cheapest quote is so far 591 with liberty

    And there was me expecting cheaper this or so I thought!


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    #3370
    James128890
    Registered Users Posts: 10 ✭James128890


    Turned 17 in January tried to get insurance quote on a 1.0 polo the last day only insurance company that would give me a quote was axa and they quoted me 8100 and something fully comp and 7300 and something third party only that was in my own name as I tried to go as a Named driver under my dads name and they wouldn’t even give him a quote. Don’t think I’ll be driving anytime soon.


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    #3371
    wotzgoingon
    Registered Users Posts: 14,309 ✭✭✭✭wotzgoingon


    James128890 wrote: »
    Turned 17 in January tried to get insurance quote on a 1.0 polo the last day only insurance company that would give me a quote was axa and they quoted me 8100 and something fully comp and 7300 and something third party only that was in my own name as I tried to go as a Named driver under my dads name and they wouldn’t even give him a quote. Don’t think I’ll be driving anytime soon.

    Jesus I knew things were bad but that is crazy. Back when I was younger I was on a provisional for a few a while(for some reason I was never in a rush to get a full but this was a long time ago) and I think I was quoted 3 or 4 thousand on a 1.3 Jap import EG civic.


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    #3372
    Gloomtastic!
    Registered Users Posts: 8,352 ✭✭✭Gloomtastic!


    James128890 wrote: »
    Turned 17 in January tried to get insurance quote on a 1.0 polo the last day only insurance company that would give me a quote was axa and they quoted me 8100 and something fully comp and 7300 and something third party only that was in my own name as I tried to go as a Named driver under my dads name and they wouldn’t even give him a quote. Don’t think I’ll be driving anytime soon.

    That’s just shocking but everyday, even in Dublin, I see Learners and Novices acting the a-holes in their VW’s. Driving in Bus Lanes, undertaking, not indicating. God knows what they’re like down the countryside.


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    #3373
    TeaBagMania
    Registered Users Posts: 1,192 ✭✭✭TeaBagMania


    James128890 wrote: »
    Turned 17 in January tried to get insurance quote on a 1.0 polo the last day only insurance company that would give me a quote was axa and they quoted me 8100 and something fully comp and 7300 and something third party only that was in my own name as I tried to go as a Named driver under my dads name and they wouldn’t even give him a quote. Don’t think I’ll be driving anytime soon.

    That's the highest quote ive ever seen, wouldn't even bother inquiring further until I had my full license

    No quote under your fathers insurance, how's his driving record?


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    #3374
    davo2001
    Registered Users Posts: 3,317 ✭✭✭davo2001


    Male - Mid thirties
    NCD full
    Full Irish License - 3 Years
    2009 Focus 1.6 Petrol
    No points
    No modifications
    Value €4000
    Limerick Area
    Insured to drive other cars, fully comp and no claims protection.

    €416 with Allianz, down from €550 with them last year. Delighted!

    Other companies that quoted:


    AA.ie € 675
    Liberty € 1,278 (shower of ****ez!)
    Chill.ie € 806
    123.ie € 865
    FBD € 743
    Axa.ie € 693
    AIG € 814
    First Ireland € 785


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    #3375
    James128890
    Registered Users Posts: 10 ✭James128890


    TeaBagMania wrote: »
    That's the highest quote ive ever seen, wouldn't even bother inquiring further until I had my full license

    No quote under your fathers insurance, how's his driving record?

    His driving record is fine 10+years no claims bonus and no penalty points or anything.
    Just when we rang and put it under his name and me as named driver they said it’s coming back as a decline on their system and they couldn’t tell us why and the quote for 8100 was on a 2005 polo but she tried it on a newer 1.0 polo 2014 and it came to 3700 and something third party only so basically i have to get a new enough car to get insurance. Although I would prefer a small van for working I can’t get a insurance quote on a van.

    And another thing my 19 year old sister started driving last October on a provisional on a 2003 1.4 litre car and her insurance was 3500 fullycomp in her own name and both parents on as named drivers. It just doesn’t make sense


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    #3376
    TeaBagMania
    Registered Users Posts: 1,192 ✭✭✭TeaBagMania


    Ah yes I forgot, according to the insurance company all vehicles over 10 years old spontaneously bust into flames

    Guess a valid NCT doesn't mean a thing


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    #3377
    SCOOP 64
    Registered Users Posts: 5,232 ✭✭✭SCOOP 64


    James128890 wrote: »

    And another thing my 19 year old sister started driving last October on a provisional on a 2003 1.4 litre car and her insurance was 3500 fullycomp in her own name and both parents on as named drivers. It just doesn’t make sense

    I would rather not drive then pay €3500 for insurance, madness.


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    #3378
    Cows Go µ
    Registered Users Posts: 902 ✭✭✭Cows Go µ


    James128890 wrote: »
    His driving record is fine 10+years no claims bonus and no penalty points or anything.
    Just when we rang and put it under his name and me as named driver they said it’s coming back as a decline on their system and they couldn’t tell us why and the quote for 8100 was on a 2005 polo but she tried it on a newer 1.0 polo 2014 and it came to 3700 and something third party only so basically i have to get a new enough car to get insurance. Although I would prefer a small van for working I can’t get a insurance quote on a van.

    And another thing my 19 year old sister started driving last October on a provisional on a 2003 1.4 litre car and her insurance was 3500 fullycomp in her own name and both parents on as named drivers. It just doesn’t make sense

    They are probably assuming that if an older driver tries to insure a second car with a young driver on it, then it's probably the young driver's car so should be insured in their name.

    Try adding your parents onto the policy, it generally brings the quote down. Do you have any driving experience? Going on your parents policy for a year can help when you are starting out on your own policy.


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    #3379
    James128890
    Registered Users Posts: 10 ✭James128890


    SCOOP 64 wrote: »
    I would rather not drive then pay €3500 for insurance, madness.

    Ya I know that’s still very expensive but how come she got a quote starting off on a provisional for €3500 and I get a quote for €8000 it must be different for lads and girls and my quote was with the same insurance company and I even got a 10% discount because my sister was insured with them


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    #3380
    blackbird 49
    Registered Users Posts: 411 ✭✭blackbird 49


    Got my Insurance Quote today, Very happy with it and very surprised, was expecting it to go up it was down by E30 last year E465 this year E435, fully comp with Aviva on a 1.5 Diesel Grand scenic 2010


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    #3381
    James128890
    Registered Users Posts: 10 ✭James128890


    Cows Go µ wrote: »
    They are probably assuming that if an older driver tries to insure a second car with a young driver on it, then it's probably the young driver's car so should be insured in their name.

    Try adding your parents onto the policy, it generally brings the quote down. Do you have any driving experience? Going on your parents policy for a year can help when you are starting out on your own policy.

    Ya tried adding them to the policy but made only €200 difference and I can’t go on their policy as my dad has a van for work which is on a comercial policy for the family business and the mother drives a passenger landcruiser which is crewcabbed and is on the commercial policy as well and they won’t add me to the landcrusier until I’m 19 and have a full license. I also tried getting a quote on a caddy van to add to my aul fellas policy (which I would prefer so I can carry tools for work) but they won’t add me as a nemed driver and won’t qoute me under my own name so I don’t know what to do.


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    #3382
    Cows Go µ
    Registered Users Posts: 902 ✭✭✭Cows Go µ


    James128890 wrote: »
    Ya tried adding them to the policy but made only €200 difference and I can’t go on their policy as my dad has a van for work which is on a comercial policy for the family business and the mother drives a passenger landcruiser which is crewcabbed and is on the commercial policy as well and they won’t add me to the landcrusier until I’m 19 and have a full license. I also tried getting a quote on a caddy van to add to my aul fellas policy (which I would prefer so I can carry tools for work) but they won’t add me as a nemed driver and won’t qoute me under my own name so I don’t know what to do.

    Try Liberty and a few brokers. Liberty is generally the best for young drivers and a broker knows the market so might be able to find you something cheaper.

    If not you might have to go down the Boxymo route. It's restricted miles but it would get you a year's NCB and then next year you would have more options.


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    #3383
    wotzgoingon
    Registered Users Posts: 14,309 ✭✭✭✭wotzgoingon


    James128890 wrote: »
    His driving record is fine 10+years no claims bonus and no penalty points or anything.
    Just when we rang and put it under his name and me as named driver they said it’s coming back as a decline on their system and they couldn’t tell us why and the quote for 8100 was on a 2005 polo but she tried it on a newer 1.0 polo 2014 and it came to 3700 and something third party only so basically i have to get a new enough car to get insurance. Although I would prefer a small van for working I can’t get a insurance quote on a van.

    And another thing my 19 year old sister started driving last October on a provisional on a 2003 1.4 litre car and her insurance was 3500 fullycomp in her own name and both parents on as named drivers. It just doesn’t make sense

    But your're 17 and she is 19. It makes a difference them 2 years which the quotes show. One time woman got far cheaper quotes than men but I think that changed a few years ago.


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    #3384
    carzony
    Registered Users Posts: 2,780 ✭✭✭carzony


    My daily driver is in the garage getting a few repairs done for the nct. I called axa to see if I could put my other car on the policy until tomorrow evening. I was told my 2004 Focus does not show up on their system as having insurance for at least 12 months and because of this they could not insure it.. Even though it's taxed and nct'd...

    The focus is my 'spare' car and sits up in the garden most of the time.. can't understand the logic atall


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    #3385
    Grab All Association
    Registered Users Posts: 3,917 ✭✭✭Grab All Association


    29
    Full licence 10+
    2017 Skoda Octavia Rs 2.0
    123.ie €400 TPFT


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    #3386
    wotzgoingon
    Registered Users Posts: 14,309 ✭✭✭✭wotzgoingon


    Grab All Association wrote: »
    29
    Full licence 10+
    2017 Skoda Octavia Rs 2.0
    123.ie €400 TPFT

    That can't be right but I'd say you weren't arguing when you got that quote.


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    #3387
    TeaBagMania
    Registered Users Posts: 1,192 ✭✭✭TeaBagMania


    carzony wrote: »
    The focus is my 'spare' car and sits up in the garden most of the time.. can't understand the logic atall

    We're talking insurance here, there is no common sense or logic


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    #3388
    James128890
    Registered Users Posts: 10 ✭James128890


    TeaBagMania wrote: »
    That's the highest quote ive ever seen, wouldn't even bother inquiring further until I had my full license

    No quote under your fathers insurance, how's his driving record?

    Ya ur right I priced it today to see how much it would be when I have full license and was quoted €3280 in my own name I’m actually very happy with that price considering I’m only 17 I thought when I got quoted 8grand It would be years before I’m driving such a relief. Just have to wait 5 months now before I can get the full license.

    And that was the only company I priced so if I shop around I might even get it cheaper hopefully


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    #3389
    Bigmac1euro
    Registered Users Posts: 1,457 ✭✭✭Bigmac1euro


    James128890 wrote: »
    Ya I know that’s still very expensive but how come she got a quote starting off on a provisional for €3500 and I get a quote for €8000 it must be different for lads and girls and my quote was with the same insurance company and I even got a 10% discount because my sister was insured with them

    Unfair like a lot of things in life kiddo, get used to it.


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    #3390
    h3000
    Registered Users Posts: 6,467 ✭✭✭h3000


    Grab All Association wrote: »
    29
    Full licence 10+
    2017 Skoda Octavia Rs 2.0
    123.ie €400 TPFT

    TPFT on a €30k+ car. You're brave :eek::eek::eek:

    0118 999 881 999 119 725 3



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    #3391
    Grab All Association
    Registered Users Posts: 3,917 ✭✭✭Grab All Association


    h3000 wrote: »
    TPFT on a €30k+ car. You're brave :eek::eek::eek:

    Oh I went fully comp for just under €700. That was the tyre kicking forecourt quote. I actually rounded off the figure too. It was €379-89 something like that. I was kinda quick with the credit card to remember. If there wasn’t so many idiots on the roads though I’d have went TPFT.


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