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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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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.

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.

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.

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:

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?

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...

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.

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!

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.

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.

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.

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?

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

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

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

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.

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.

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

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

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.

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.

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.

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

Grab All Association

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

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.

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

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

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.

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:

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.