Car insurance - tell us your quotes/renewals

flowers345 wrote: »

00 car too old according to 25 plus.
anyone know one that will take old bangers for a decent price?

Bank of Ireland won't quote for cars over 16 years now either:

Try 123.ie and Liberty, both seem to quote for older cars.

Do any quote these days for older cars ?

my3cents wrote: »

If you already have a policy for a car and it reaches the 16 year old cut off point they will continue to insure you. Its new business they won't take on if the car is over 16 years old.

That's true, but my renewal quote (it had been €525 for four years) was €1,470.

Full NCB, no accidents, points or claims of any kind too.

851 fully comp on a 01 Passat with Allianz, saved a whopping 36 euro by ringing them....

No one else will insure me on such an old big car, but I need it as I have a bad back and need something comfortable, I have 11 years NCB

Rode even more because I can't afford a new car at the moment

Here’s international perspective for this thread - moved to Australia last year and living in outer North Melbourne Suburbs.

Car - 2005 Honda CR-V Sport 2.4L petrol
Myself (24) and partner (24) both listed on the policy, but anyone can drive it just with a higher excess. I have my license 4 years and she has hers 2 years but also have our international licenses. No problem using these here.

0 no claims between either of us and our insurance price was $975 fully comp for 1 year, with a excess of $1050.

So that’s about €620 per year for 2 24 year olds with zero no claims, no Australian licenses on a 2005 2.4L Honda SUV....don’t think that would ever happen in Ireland!

jack of all wrote: »

Got my renewal from Allianz for a 06 Astra, 1.4l with a quote for €425, a small increase on last years premium. Fully comp, bonus protection with full licence, max. no claims bonus, 0 penalty points.

Just got a new business quote with Aviva- €286, couldn't believe it, told the lady I dealt with it was the first time I've been happy ringing a motor insurer in years.

When are you returning her hand . Good result.

Very quick question - didn't want to start a thread on it - where do I go to find out if my penalty points have expired? I got it in or around my renewal date and I can't remember if it's before or after March 4th

leakyboots wrote: »

Very quick question - didn't want to start a thread on it - where do I go to find out if my penalty points have expired? I got it in or around my renewal date and I can't remember if it's before or after March 4th

Rsa

LediVal wrote: »

Who knows.. Are all insurance companies ask to send them proof letter whit NCB???
123.ie give me 1789eur with 2NCB but letter dated Aug 2016. Don't know what to do...

They will look for it if you say you have e so many years....

If it's 2 years or older then you start as a new driver with zero experience.

sntop1986 wrote: »

Hi all,

Anybody here have experience of renewing their insurance after a claim? I am considering settling a claim against me with a potential cost of about €500.
It is small enough, but I'm not sure on settling privately as the claimant has said he visited a doctor about a slight pain which he feels is now resolved, so don't want it coming back to bite me!
If I settle through insurance, how much could my renewal increase? BTW, I have NCB fully protected.

To settle privately, the other party would need to sign a waiver of any further claims related to the said accident. Otherwise they can always come back asking more - and you already have admitted fault.

Go through the insurance. If the settlement figure is not too big, you can pay it back to the insurer to have the claim removed from their file.

You might have a problem renewing next year - but with NCB protected you should be fine in two years.

sntop1986 wrote: »

Thanks very much! If I do claim on my insurance, could my current insurers hammer me with loading when it comes to renewal time (up for renewal in August)? Or is it a case of how long is a piece of string?

Of course and if case remains open even more so.

NCD is a load of crap to be honest and even protected nothing stopping them increasing it anyway.

grogi wrote: »

The benefit of having it protected might not be obvious at first renewal, but it will pay back later on.

Wasn't that you that complained that couldn't get quotes because of lack of NCB? Protected NCB will not let one to get into that water.

I was but mine is a little more difficult as was trade policy which I've had years and private before this.

They won't accept NCD from my private trade policy in my own name as experience so I start as a no experience driver if go back private.

It's honestly a bizarre thing to happen.

31
2008 1.4 Seat Leon
Full Licence 9 Years
No claims discount 5 years / actual no claims 3 years

Axa Renewal: 986 (same as last year)

25plus: 1,244.25
Aviva: 1,644.45
Allianz: 1,350.00
Liberty: 1,083.03
Kennco: 2,001.06
123.ie: 1,118.32
Blue: 1,098.37
AIB: 1,796.19

AA bettered the quote of €370 I got from a broker and I got my renewal for €350 after.

Try Bank of Ireland, they were the lowest with me and you get an extra 25% off if you have a bank account with them and an extra 10% if you have house insurance with them

I got 635 with BOI

Avatar MIA wrote: »

Who gave you the quote - was that the best one?

Are there a lot of car thefts/damage to cars in your area? That would drive up premiums.

That was AXA through a broker. Blue insurance are coming in at 550. Massive difference.
I don't know about car crime in the area think it's just the name of the area 😠

Pekarirska wrote: »

It's the Dublin address. Was living between Dublin and Waterford for a while. Bought a car and quotes with the address in Dublin were around €900, Waterford €600. So about 50% more. Glasnevin to be precise, secured underground car park, so just down the road from you

Then try to play with your profession. My mechanic saved €200 by replacing "motor mechanic" for "mechanical technician". Silly but works.

When people will start to understand that majority of the insurance cost is the TPL policy. It doesn't care where you store your car, but where you drive it. Apparently the propability of payout in Dublin is much higher than in Waterford.

cocoman wrote: »

Renewal quote €554 (Allianz through broker)
Age 43
1.4 Octavia 2007
Full licence
no penalty points
full no claims bonus
Driving 20 plus years
Just got comp quote from Aviva for €349
Can't see my brokers beating or coming anywhere near it.
Have been with them for 20 years!

I'd stop looking. Grab that aviva quote...quick.

Woke up this morning to an email from the AA with a renewal quote via Allianz - €1700, up from about 1000 last year.

No change in circumstances in the last 12 months, but now I'll have to spend the next few days ringing around finding out which one of them will screw me less this year. And of course, it's all pointless in a sense anyway because if you DO have a claim you'll either spend weeks/months arguing with them over it and get shafted for the next 5 years anyway.

It's no wonder there's so many reports on the Garda twitter feed of people being stopped for no insurance.

Sometimes I really hate this kip of a country! :mad:

123 was surprisingly cheap for me this year despite having rather old car.

They might want to catch more business this year so worth a shot.

So my renewal date is 6 months time.

Stats:
Male
29
Dublin
1.5 Diesel 2011 Hatchback
2 years no claims
Current insurance is €1500
No penalty points

All the quotes I'm getting are higher than that despite having another year of no claims, these are online quotes, do I have to speak with someone to get a reasonable quote?

My first insurance was like €2,200. Which is insane, how do young people start driving? I've a good salary and I'm late enough starting to drive so it's not a massive problem for me but my god how would you do it if you were a rural 18-22 year old trying to get to work.

inna981 wrote: »

Renewal with Liberty is up next week at 1050

2007 1.4 petrol Citroen C4 Coupe
Third Party
23M
Licence 2 years with 2 years NCB
Driving 3 years
No Points
Kilkenny
Mother down as a named driver (56, full licence)

2017: 1266 (2003 Ford Focus 1.4) with Boxymo
2018: 1351 (2007 Citroen C4 1.4) with Liberty

Aviva and An Post: No quote
AIG: 2200
123.ie: 2120
SuperValu: 1095
Its4women: 1000
AIB: 986
Chill: 930
Liberty (as new customer): 851
BOI: 703


Not to bad really

Boi 700 sounds good for 23 years old.

Not sure if it's just me, but despite additional loadings on policies this year the prices seems to be down.