Car insurance - tell us your quotes/renewals

Eggs For Dinner wrote: »

9935452 wrote: »

Then i got a load of drivel about their level of cover and how it was in most cases a higher level than others.
She went on and on about the level of cover.

At least she was professional enough to explain the level of cover. I'll guarantee that many people take the lowest figure quoted to them not realising key aspects of cover have been removed or restricted

She explained it about 5 times like i was an infant though. .
I was also going through a house policy with her too and asked her if my gsd dog was covered under the policy if he caused an accident . Ie they would pay out to fix someones car if they hit him or they had injuries as a result .
She admitted that as a dangerous breed he had no cover at all under the house policy but i had public liability to 2.5 million
Asked again so we are covered if he causes an accident ?
No you are not but you have public liability to 2.5 million. This was repeated a few times.
That was the end of the house policy with them

Eggs For Dinner

9935452 wrote: »

Then i got a load of drivel about their level of cover and how it was in most cases a higher level than others.
She went on and on about the level of cover.

At least she was professional enough to explain the level of cover. I'll guarantee that many people take the lowest figure quoted to them not realising key aspects of cover have been removed or restricted

johndaman66 wrote: »

9935452 wrote: »

I have to laugh at fbd. I had 4 policys with them . They wanted 1000 up 300 from the previous year. The best they could do was give 5 percent off which was the online discount.
I got better cover with bank of ireland for 540.
Fbd wouldnt budge . 3 out of 4 policys are moved on now

Would that possibly be because your car went to being over 10 years old since last renewal? FBD will not quote for new business if the car is over 10 years old (or at least that was the case the last time I tried them a few years back). It doesn't really matter if you have a full NCB, no accidents, claims, convictions, penalty points etc. - more a case that either computer says yes or computer says no.

While they have to quote you if you are already insured with them and your car goes over 10 years old I can only imagine they will up the premium considerably. A bit surprised that they wouldn't budge anymore than 5% discount when you had so much business with them but they certainly wouldn't have being going matching the €540 anyway. And then again I have found out that customer loyalty means nada when it comes to motor insurance anyway. In fact they are more likely to royally fleece you for being a loyal and good customer.

The car was 8 years old at the time so thats not it.
The previous year they were looking for similar money but dropped by 250 ish over the phone.
They would only match the online discount over the phone.
I asked about a discount for multiple policys.
I was told they dont do them because if they did and you moved one policy you would lose the discount on them all and they didnt want to punish their customers like that.
Then i got a load of drivel about their level of cover and how it was in most cases a higher level than others.
She went on and on about the level of cover.

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

Your Age: 26
Car type and engine: 2010 VW Jetta 1.6
Years driving: 8 (4 NCB, 2 named), 3 pp
Any claims: 2x windscreen
Other: Insuring my GF (4 years experience on an EU licence, and mother)
Price and provider:

Acorn - 1302
Allianz - 1632
BOI - 1646
Campions - 1342
FBD - 1702
Kennco - 1737
Quote Me - Zurich 1320
Whoops - 1322
XS Direct - 1145 (€3k excess!)
AA - 1100

The rest were all above 2k, or no quote offered. Deciding at the moment between Axa €1088 Full NCB Protection or Aviva €947 Step-Back protection. Any thoughts?

Wibbs

johndaman66 wrote: »

In fact they are more likely to royally fleece you for being a loyal and good customer.

To be fair to the insurance industry(for once

) they're not nearly the worst for this, utility companies are way worse. It's a given the longer you're with them the more you'll pay.

9935452 wrote: »

I have to laugh at fbd. I had 4 policys with them . They wanted 1000 up 300 from the previous year. The best they could do was give 5 percent off which was the online discount.
I got better cover with bank of ireland for 540.
Fbd wouldnt budge . 3 out of 4 policys are moved on now

Would that possibly be because your car went to being over 10 years old since last renewal? FBD will not quote for new business if the car is over 10 years old (or at least that was the case the last time I tried them a few years back). It doesn't really matter if you have a full NCB, no accidents, claims, convictions, penalty points etc. - more a case that either computer says yes or computer says no.

While they have to quote you if you are already insured with them and your car goes over 10 years old I can only imagine they will up the premium considerably. A bit surprised that they wouldn't budge anymore than 5% discount when you had so much business with them but they certainly wouldn't have being going matching the €540 anyway. And then again I have found out that customer loyalty means nada when it comes to motor insurance anyway. In fact they are more likely to royally fleece you for being a loyal and good customer.

johndaman66 wrote: »

DaveyDave wrote: »

Post Insurance seem to be a good option for cheap quotes for more experienced drivers.

Your joking right? At last renewal time I had 11 years NCB and 5 years prior to that 11 years claims free driving experience as a named driver on a parents policy. They provided me with the highest quote yet again - in style in fact being around 3 times as much as the best quote I got. Like a clown I have tried them every year for the last number of years and they have consistently being the highest - in most cases by a very long shot if I recall correctly.

Caranica wrote: »

johndaman66 wrote: »

Your joking right? At last renewal time I had 11 years NCB and 5 years prior to that 11 years claims free driving experience as a named driver on a parents policy. They provided me with the highest quote yet again - in style in fact being around 3 times as much as the best quote I got. Like a clown I have tried them every year for the last number of years and they have consistently being the highest - in most cases by a very long shot if I recall correctly.

The problem is most insurance companies only recognise 5 years ncb . The odd one 6 or 7.
And they wont recognise driving experience once you have you own ncb.
Personally ive 17 years driving in my own name without accident or claim and 3 years driving experience but my ncb cert says 5 years

Not for me, see above. Over 200 euro cheaper than my renewal and 130 cheaper than the next cheapest (its4women). I got quotes up to 1100 and ended up paying 453 which was fbd matching the post insurance quote which was underwritten by fbd!

I have to laugh at fbd. I had 4 policys with them . They wanted 1000 up 300 from the previous year. The best they could do was give 5 percent off which was the online discount.
I got better cover with bank of ireland for 540.
Fbd wouldnt budge . 3 out of 4 policys are moved on now

johndaman66 wrote: »

DaveyDave wrote: »

Post Insurance seem to be a good option for cheap quotes for more experienced drivers.

Your joking right? At last renewal time I had 11 years NCB and 5 years prior to that 11 years claims free driving experience as a named driver on a parents policy. They provided me with the highest quote yet again - in style in fact being around 3 times as much as the best quote I got. Like a clown I have tried them every year for the last number of years and they have consistently being the highest - in most cases by a very long shot if I recall correctly.

Caranica wrote: »

johndaman66 wrote: »

Your joking right? At last renewal time I had 11 years NCB and 5 years prior to that 11 years claims free driving experience as a named driver on a parents policy. They provided me with the highest quote yet again - in style in fact being around 3 times as much as the best quote I got. Like a clown I have tried them every year for the last number of years and they have consistently being the highest - in most cases by a very long shot if I recall correctly.

The problem is most insurance companies only recognise 5 years ncb . The odd one 6 or 7.
And they wont recognise driving experience once you have you own ncb.
Personally ive 17 years driving in my own name without accident or claim and 3 years driving experience but my ncb cert says 5 years

Not for me, see above. Over 200 euro cheaper than my renewal and 130 cheaper than the next cheapest (its4women). I got quotes up to 1100 and ended up paying 453 which was fbd matching the post insurance quote which was underwritten by fbd!

johndaman66 wrote: »

Out of curiosity do you recall who quoted you circa €1,100?

AIG

SteelyDanJalapeno

Having a great time with An Post since it was recomended here a few years ago, this thread alone has probably saved me 1500+ now over the years.

I moved from a Leon FR 2.0 TDI this week (annual renewal was around 650 for the past 2 years) to a Golf 1.5 TSI new and An Post are giving me 100 euro back for the switch, so I reckon that works out as a price of about 500.

31 yr old male, clean license, no claims, fully comp

Colash

2013 a6 sline 2.0tdi
33
6 plus years ncb
Full license /no points
600 fully comp with 123.ie

Caranica wrote: »

Not for me, see above. Over 200 euro cheaper than my renewal and 130 cheaper than the next cheapest (its4women). I got quotes up to 1100 and ended up paying 453 which was fbd matching the post insurance quote which was underwritten by fbd!

Which goes to show there are further variables that impact the quotes considerably other than the experience of the driver certainly as far as An Post Insurance is concerned. Based on our separate experiences it is certainly not a safe assumption that they are a competitive provider for all experienced drivers. Again your experience highlights why it is time very well spent taking time out to ring all providers and play one off against the next

....even if it will take a few hours and is somewhat soul destroying. Very few will earn money as quickly in their jobs anyway versus the amount they could save over the time taken to get the best quote.

Out of curiosity do you recall who quoted you circa €1,100?

Tommyboy40

Although I've just renewed, I ran my details through the Chill website. How can there be such a variation in quotes? The simple fact is that all insurance isn't the same. This year my renewal was €1,100 and the second picture explains why I'm prepared to pay a little more for cover.

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johndaman66 wrote: »

Your joking right? At last renewal time I had 11 years NCB and 5 years prior to that 11 years claims free driving experience as a named driver on a parents policy. They provided me with the highest quote yet again - in style in fact being around 3 times as much as the best quote I got. Like a clown I have tried them every year for the last number of years and they have consistently being the highest - in most cases by a very long shot if I recall correctly.

Not for me, see above. Over 200 euro cheaper than my renewal and 130 cheaper than the next cheapest (its4women). I got quotes up to 1100 and ended up paying 453 which was fbd matching the post insurance quote which was underwritten by fbd!

DaveyDave wrote: »

Post Insurance seem to be a good option for cheap quotes for more experienced drivers.

Your joking right? At last renewal time I had 11 years NCB and 5 years prior to that 11 years claims free driving experience as a named driver on a parents policy. They provided me with the highest quote yet again - in style in fact being around 3 times as much as the best quote I got. Like a clown I have tried them every year for the last number of years and they have consistently being the highest - in most cases by a very long shot if I recall correctly.

Caranica wrote: »

Thanks for the tip, post insurance coming in around 450. Liberty was over 700 though. Post is over 100 cheaper than anything else and 200 cheaper than fbd, so will give fbd one chance to beat it before I pull the plug

Long story short, fbd came back with best offer of 560, I said no thanks. Went in to buy post insurance policy, discovered it was underwritten by fbd, went back to fbd and price matched. About a 70 euro saving on last year's premium and a saving of over 200 euro from the renewal price fbd initially quoted me

barry181091

barry181091 wrote: »

Age 26, male
09 1.6D Fiat Bravo
Location: Cork city centre.
No points, convictions etc
0 NCB, 0 Named (As fresh as you can get according to insurance companies!)

Liberty - 3800 Fully Comp.
Boxymo - 1300-1600 depending on excess/km's etc. (Far too restrictive IMO)
25 plus.ie - 2593 (Standard) - 2737 (Xtra). (2427/2564 - 750excess)
Acorn - Kennco 2285.47 (250 excess).
Axa (Direct) - 2594 Compy, 2448 TPFT.
Britton - 2398 (500 excess), 2110 (1k excess). Comp. 2109 TPFT.
Campions - 4846 (Comp, Liberty). 3694 TPFP. (3073 comp, 2709 TPFT over the phone).
Chill.ie - Axa 2430, Asgard 2778, Kennco 3203. All comp. Similar TPFT.
First Ireland - 2402 comp (500 excess), 2114 TPFT.
Its4women - 2792(Standard), 3012 (Extra), 2614/2820-700 excess
Sheridan - Liberty 4861.
Kennco (Direct) - 2894. (Comp)

And the quote I finally went for......

The AA - AXA Fully comp, 1800, 250 excess. (Plus 7 per month for AA membership) (Included named driver who is a relative. Pro tip: Use a parent if they are clean as that will reduce it even more).

It's worth noting that theAA give one of the most comprehensive policies from what I can see and just happened to be the cheapest.

For anyone new;
i) Your address matters greatly.
ii)Type of car matters greatly.
iii) Addition of a named driver reduces premium usually but should be a parent preferably.
iv) Upping excess can reduce premium.
v) CALL THE INSURERS!! You will get much better quotes over the phone.

Back again to the grind. I honestly don't know where the last year has gone

Like last year, most of the quotes I am getting this year are mad high, with one exception.

09 1.6D Fiat Bravo
Location: Cork city centre.
No points, convictions etc
1 NCB, 0 Named.
1 windscreen claim. Doesn't really seem to effect much

Current insurer: AA 1700 last year -> renewal quote of 2100. :rolleyes:

Below are in format last years quote -> this years quote with 1 year NCB. Comprehensive/TPFT

Liberty - 3800 Fully Comp -> 1849/1639 (TPFT)
25 plus.ie - 2593 (Standard) - 2737 (Xtra). (2427/2564 - 750excess) -> 2009/2172 Xtra
Acorn - Kennco 2285.47 (250 excess) -> 1398 RSA TPFT
Axa (Direct) - 2594 Compy, 2448 TPFT. -> 1760/1658 TPFT
Chill.ie - Axa 2430, Asgard 2778, Kennco 3203. All comp. Similar TPFT. -> RSA Sertus 1403/1280 TPFT
Its4women - 2792(Standard), 3012 (Extra), 2614/2820-700 excess -> 1336 Comp/1230 TPFT
Kennco (Direct) - 2894. (Comp)

Fresh quotes:

AIG - 1648/1484TPFT
Allianz - 2000 TPFT
Aviva - 1760/1658 TPFT.
FBD - 1891/1856 TPFT
XS Direct - 1780 Comp (3k Excess :pac: )
Quoteme.ie - 1962/1847 TPFT
Post - 1784/1650

And the quote I think I am going for?

Bank of Ireland - 922 (Popular) or 1011 (Prestige) TPFT / 943 (Popular) or 1034 (Prestige) Comp

I honestly don't know how theirs is so low. It appears its all to do with my address. My specific address gives this, but if I just put in the area it gives a quote about 500 higher. It seems to be a big in their system, but that isn't my fault :pac::)

DaveyDave wrote: »

Post Insurance seem to be a good option for cheap quotes for more experienced drivers. A colleague of mine actually got a really low quote from Liberty of all people despite them usually being fairly high.

Thanks for the tip, post insurance coming in around 450. Liberty was over 700 though. Post is over 100 cheaper than anything else and 200 cheaper than fbd, so will give fbd one chance to beat it before I pull the plug

mcgucc22

DaveyDave wrote:

Post Insurance seem to be a good option for cheap quotes for more experienced drivers. A colleague of mine actually got a really low quote from Liberty of all people despite them usually being fairly high.

DaveyDave wrote:

Take that with a pinch of salt. its4women/Boxymo/25plus have notoriously bad customer service to the point where people can't get through to them on the phone.

Just my own personal experience but I'm with 25plus for years, never had a problem with their customer service, had to make a claim 4 years ago and they were very easy to deal with.

morritty

morritty wrote: »

I'm still waiting for mine in the post from AA. But i've just done this quote
Gender: Male
Age: 28
Car: 2012 Skoda Superb 1.4
NCD: 8 Years
Licence: 8 Years
Points: None
Claims: None
€750

I see no logic. Cant wait for the renewal letter

Well, The renewal letter came in.

1002 euro. Based on the above information.

DaveyDave

Caranica wrote: »

My renewal (FBD) is up over 120 since last year to 657.

142 1.3l Auris, 10+ years ncd, I'm the only driver (42 Yr old female) in the house (suburban Dublin). Fully comp with protected ncd, breakdown cover and accident protection.

Made a claim in 2014 after an idiot boy racer wrecked the front wing of my car, fully reclaimed from his insurance. No penalty points.

So far it's4women coming in best at 585, some of the quotes are ridiculous

Take that with a pinch of salt. its4women/Boxymo/25plus have notoriously bad customer service to the point where people can't get through to them on the phone.

Post Insurance seem to be a good option for cheap quotes for more experienced drivers. A colleague of mine actually got a really low quote from Liberty of all people despite them usually being fairly high.

My renewal (FBD) is up over 120 since last year to 657.

142 1.3l Auris, 10+ years ncd, I'm the only driver (42 Yr old female) in the house (suburban Dublin). Fully comp with protected ncd, breakdown cover and accident protection.

Made a claim in 2014 after an idiot boy racer wrecked the front wing of my car, fully reclaimed from his insurance. No penalty points.

So far it's4women coming in best at 585, some of the quotes are ridiculous

wotzgoingon

recyclebin wrote: »

Doing quotes the last few days. I'm originally from farm in rural in Laois, moved to Castlebar. If I put my address as Castlebar it adds 15-20% compared to rural Laois!!!

Does your parents still live there? If so enter your home address and pick up/post cert to you from Laois.

If you get in accident tell them you were in Mayo for the day. They don't have to know.

punisher5112

Eggs For Dinner wrote: »

I agree to a certain extent. However, they are the fastest guns in the West to settle with a 3rd party if they make any hint of possible injury. Not always a good thing and, IMO, their predecessors Quinn have a lot to answer for introducing this practice back in the day

I had that with Quinn back in the day.

A woman put in a false claim of €750 for damage to her sh1tbox and my car only 3 years old.
Not a mark on mine and she was the one that side swiped me push in the mirror, going same direction.

She managed to get my address off them and they shouldn't have given that out.

Called to the house numerous times... She was a very odd one but I kept at them and stated in no way was there any damages and it was a bogus claim.

recyclebin

Doing quotes the last few days. I'm originally from farm in rural in Laois, moved to Castlebar. If I put my address as Castlebar it adds 15-20% compared to rural Laois!!!

Eggs For Dinner

punisher5112 wrote: »

As good as most others.

All you want is cover and you don't need them to be your friend so use whichever has the best deal and offers what you need.

I agree to a certain extent. However, they are the fastest guns in the West to settle with a 3rd party if they make any hint of possible injury. Not always a good thing and, IMO, their predecessors Quinn have a lot to answer for introducing this practice back in the day

punisher5112

Roberto_gas wrote: »

How good is liberty folks..

As good as most others.

All you want is cover and you don't need them to be your friend so use whichever has the best deal and offers what you need.

Roberto_gas

How good is liberty folks..