Car insurance - tell us your quotes/renewals

punisher5112 · 29-01-2019 2:25pm

TeaBagMania wrote: »

im sure it would be simple for you to provide policy docs dating back five to ten years as proof of previous cover, but why would they accept those when they can just bend you over instead.

the insurance industry in Ireland is a joke. My CC covers insurance on car hires in every country with the exception or Ireland and North Korea... whats that tell ya?

Basically same broker and only 2 separate insurance companies over the years.

Aviva and Axa but yet neither will insure me.

I've been paying huge premiums too.

Ciccina · 29-01-2019 2:34pm

Fanny **** wrote: »

Isn't Sertus owned by RSA?

It is mate; is that bad?

Eggs For Dinner · 29-01-2019 2:50pm

Missing some detail here
Was your trade policy in your own name?
What is your current occupation?
Was your trade policy cancelled or refused renewal?

punisher5112 · 29-01-2019 2:59pm

Eggs For Dinner wrote: »

Missing some detail here
Was your trade policy in your own name?
What is your current occupation?
Was your trade policy cancelled or refused renewal?

In my own name, have had it 10 years, they were looking for vat and other terms where in the past year I hadn't done any dealing as was part time.

I am in full employment as have always been.

I just let the insurance finish, insurance wasn't refused or anything bad.

Nobody will accept my no claims at all which is near 18 years no claims.

cefh17 · 29-01-2019 3:32pm

cefh17 wrote: »

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?

Turns out you can't get full NCB protection with Axa until you've 5 years, same with Aviva so I went with Axa and chanced skipping the step back protection from Aviva. With the nextbase dashcam discount (surprisingly just saying it worked, they needed no proof) I got it down to €725, delighted (within reason)

Eggs For Dinner · 29-01-2019 10:19pm

punisher5112 wrote: »

In my own name, have had it 10 years, they were looking for vat and other terms where in the past year I hadn't done any dealing as was part time.

I am in full employment as have always been.

I just let the insurance finish, insurance wasn't refused or anything bad.

Nobody will accept my no claims at all which is near 18 years no claims.

So they didn't invite renewal because you weren't able to establish you were engaged in the .motor trade? You didn't state your current occupation

punisher5112 · 29-01-2019 11:42pm

Eggs For Dinner wrote: »

So they didn't invite renewal because you weren't able to establish you were engaged in the .motor trade? You didn't state your current occupation

Bus driver, they were looking for list of cars sold, vat number, so much terms and it only went up again so I said enough is enough.

No claims against me, driving cars since 2004 all in my name on insurance.

99nsr125 · 29-01-2019 11:52pm

milhous wrote: »

Your Age: 33
Car type and engine: 2017 mustang 2.3
Years driving: 6+
Any claims: no
Other: Insuring my wife too (has own car)
Price and provider:

Aviva- who were my previous insurer €1184 ( came down to €1050)
AA: €1565
Aib: €1397
123: €709, opted for this, added on no claims bonus protection for 70quid

All fully comp, seem to all have same levels of cover/excess. Was thinking aviva was pretty gd and was surprised at how low 123.ie were . Went with the lowest cost in the end

Great car

P2C · 29-01-2019 11:53pm

42 Male
Fullly comprehensive and always pay for no claims protection
1 claim 2014 (€900) accidental damage
Polo 1.2 2014
Driving since 18 full licence
Indemnified for work
Wife and mother named drivers

2018 axa €464
2019 axa €465
2019 alliance €623
2019 Aviva €340

I actually was shocked by avivas quote I rang them up to make sure I didn't make some mistake. Anyway went with them today

Rows Grower · 30-01-2019 12:08am

punisher5112 wrote: »

Bus driver, they were looking for list of cars sold, vat number, so much terms and it only went up again so I said enough is enough.

No claims against me, driving cars since 2004 all in my name on insurance.

Is it because you never had one car particular car registered/insured as your own car?

Rows Grower · 30-01-2019 12:13am

99nsr125 wrote: »

Great car

Just googled it, serious looking machine.

punisher5112 · 30-01-2019 2:32am

Rows Grower wrote: »

Is it because you never had one car particular car registered/insured as your own car?

I did have a number of my own personal vehicles, registered in my own name.

I actually can't get my head around it.

The whole thing is bizarre.

BorneTobyWilde · 30-01-2019 1:05pm

Question, when looking to insure another van/7.5 ton does it start out with zero no claims bonus? Or is the no claims bonus to do with the driver, who indeed has other vans and trucks insured for years with a no claims bonus of 10 plus years?
It's the person right? That has the no claims bonus, not the truck?

TeaBagMania · 30-01-2019 2:24pm

99nsr125 wrote: »

Great car

Rows Grower wrote: »

Just googled it, serious looking machine.

indeed, making the mustang available in RHD was an excellent decision by Ford

pj12332 · 30-01-2019 10:36pm

Male 28
Old car - 2005 Nissan Almera 1.5 (no go for aviva, fbd etc)
7 years NCB
Fully Comp
Full Licence 10 years
No points
No accidents (one windscreen claim that didn't affect NCB)
Added Partner - 28 female full licence 2 years and no points/claims

RENEWAL with the AA through Axa €1200 hahahahahahaha
Tried everyone. A lot were 900 or small bit less

Cheapest by far was BOI
2 options - went with more expensive Prestige one €695
Also added full NCB protection for 5 something a month

Total : € 747

Signore Fancy Pants · 05-02-2019 8:40pm

Male 38
2010 Audi A6 2.0 Tdi
6 years NCB
Fully Comp
Full Licence 14 years
No points
No claims ever
Dublin

2017 KennCo - €710
2018 KennCo - €700
2019 KennCo Renewal - €954....LOL

Axa Quote - €770

123.ie Quote - €526....ding ding ding, we have a winner!

Fcuking insurance companies!

Outlaw Pete · 05-02-2019 8:53pm

Dale Doback wrote: »

123.ie Quote - €526....ding ding ding, we have a winner!

Was that online or did you phone them? Cheers.

Have been with BOI or years but they almost doubled the renewal quote this year so looking around for better.

punisher5112 · 05-02-2019 8:59pm

So the latest on my dilemma is I can no longer have my dad named on the policy and have stricter terms and oh yes of course it's gone up the 6th year in a row.

Trade policy isn't actually worth it at all but I'm in a bind as I can't get private insurance unless I go back with zero no claims even though I have full no claims and nothing against me whatsoever.

Signore Fancy Pants · 05-02-2019 9:01pm

Outlaw Pete wrote: »

Was that online or did you phone them? Cheers.

Have been with BOI or years but they almost doubled the renewal quote this year so looking around for better.

Just an online quote.

_Brian · 05-02-2019 9:04pm

My insurance came down from €660 to €540 this year.
Herself had an €80 reduction.

Both fully comp with bonus protected.

Corkgirl18 · 05-02-2019 9:17pm

Your Age: 25 Female
Car type and engine: 132 Seat Ibiza
Years driving: 3 (2 with full licence)
Points: 2 (driving unaccompanied)
Any claims: No.
No claims bonus: 3 years
Price and provider: €640 Comprehensive with FBD

grogi · 05-02-2019 10:21pm

punisher5112 wrote: »

So the latest on my dilemma is I can no longer have my dad named on the policy and have stricter terms and oh yes of course it's gone up the 6th year in a row.

Trade policy isn't actually worth it at all but I'm in a bind as I can't get private insurance unless I go back with zero no claims even though I have full no claims and nothing against me whatsoever.

Get yourself as a named driver somewhere... Will help you out in two years time

punisher5112 · 05-02-2019 10:59pm

grogi wrote: »

Get yourself as a named driver somewhere... Will help you out in two years time

If I had known this I would have been doing so for years.

I'll get on my sister's policy so should help then.
But in all honesty I could drive anything, car, 4x4 and vans no restrictions and yet never claimed but I am seen as no experience....

Mind boggles.

ofcork · 05-02-2019 11:02pm

I couldn't get mine cheaper than the 735 renewal from boi ridiculous money for a 47yo on a big standard avensis.

baldshin · 06-02-2019 1:26pm

Gender: Male

Age: 32

Location: Galway

Car: 2006 1.3 Astra

Declared Mods: None

NCD: 3

Claims: 1- €22800 paid out on a material damage collision in 2017.

Licence: 10 years

Points: None

Renewal: €1270 (was €950 but jumped up after changing my old address in Mayo to my new one in Galway)

Provider: Liberty

2 named drivers, both female with 10 years no claims also on there.

Other companies either wouldn't quote online or quoted over €2500. (would only get 1 year NCB with others)

Foxx92 · 07-02-2019 4:43pm

Gender: Male
Age: 26
Location: Galway
Car: 2011 Audi A4 138HP
Declared Mods: None
NCD: 3 years
Licence: 8 years
Points: None

Last Year: 950 TPFT with Liberty on a 2010 Mazda 3
Renewal: 965 TPFT 1100 Comp

1 named drivers, mother with max no claims and all that

First tried liberty as a new customer and got 830 (706 TPFT)

should have stopped there

An Post 1384
AA 1529
Aviva 1676
BOI 962
FBD 1426

Going to go with the quote from Liberty as a new customer. Yet another year of this game of pick the random quote from the hat

mugsymugsy · 08-02-2019 10:16am

Gender: Male
Age: 33
Location: dublin
Car: 2009 polo 1.2
Declared Mods: None
NCD: 5+ years
Licence: 10+ years
Points: None

Renewal: fully comp 367 with Aviva via broker (McCarthy insurance) and also fully comp to drive other cars.

Didn't even both to shop around

Avatar MIA · 08-02-2019 3:37pm

Gender: Male
Age: 46

Location: Co. Clare
Car: 171 Audi TT 2l, petrol 230
Owned: Two years
Valuation: €35-€40k
Declared Mods: None
NCD: Full
Licence: 10+ years
Points: 6 (happened very close together shortly after I got the above car).
Type: Fully Comp, NCB fully protected. Social and pleasure, commute to work.
Excess €750
KM: 19.2k
Was with Allianz - Quote went up by about €280 to €856. I had 6 penalty points at previous renewal. They said they could bring it down to €800.

Went with 25 plus for €687.01.

Most others I checked with were in excess of €900 as their best policy. Liberty wouldn't quote me.

EDIT - Well, that went pear shaped. I went to make a slight change that brought it back down to €657.01 and then rechecked one other item and went to get an updated quote and the 25 plus system went haywire. Last quote was over €1k for what was essentially the same product quoted only minutes before. Whoops.ie currently the best. I live chatted with a 25 plus rep, and she said the daily rates had just changed, but she'd get a rep to call me. All sounds a bit mad and chaotic. Will further update later once/if I get the call from 25 plus.

seligehgit · 08-02-2019 8:28pm

seligehgit wrote: »

Renewal with 123.ie

Last year 693.27

This year 593.99

Renewal with 123.ie.

592.83

DaveyDave · 09-02-2019 7:43pm

Not quite a renewal but I priced up how much it would be to add the GF to my policy. From now to October it's €98, so effectively €147 for a year. Not too bad considering it cost me €600 for 6 months on my mam's i30.

Car insurance - tell us your quotes/renewals

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