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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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cantdecide

Age: 37
Car: 2006 Passat estate 1.9 105bhp
Cover: Comprehensive
NCD: 10+ years
Penalty points: 3

AIG renewal: €1200
Quote from 123.ie for €1,126

What the actual fudge. My renewal came from AIG at €854 and when I went through the policy, the quote went up €100 because I have 3 points and it went up a further €250 to €1,200 when I told them I'm unemployed (seeking work currently)

Whatever it is about me, I can never even get close to these €500ish numbers everyone else seems to get. Last year I was working and points free and paid €750 in a 1.4 90bhp Fiat Bravo

accensi0n

Age: 33
Car: 1999 Nissan Almera 1.4
NCB: 1 year, 4 years named driver prior

Not getting many quotes because of the age of the car.

1300 renewal from AA/AXA (Including AA membership)
1030 quote from Supervalue if I go with a excess of 500

FatimaKid

cplwhisper wrote: »

If your last renewal had 3 then you had 65% discount off the gross rates to leave you paying 750(or 35% of the gross figure. . This year then at full gross be a minimum of €2054. Any haggling discount you had for being claim free is gone for a few years. If Active claim then you kinda stuck with them as other insurance companies won’t take you on unfortunately

I'm not with you. I think you misunderstood my post. My renewal quote is 57% higher than last year with no known causes - no claims, no points, no convictions, same car, same address (out in the sticks), no changes to any material facts.

When queried, Aviva raised the possibility of ratings applying 'in my area' but I am not aware of what these might be.

CSO data for last year showed premiums dropped by 7%: https://www.cso.ie/en/releasesandpublications/er/cpi/consumerpriceindexdecember2018/ - see Table 15

cplwhisper

FatimaKid wrote: »

They said there could be changes to ratings applicable in my area. I was so flabbergasted I didn't think to ask them to provide the underlying data.

Still in shock.

If your last renewal had 3 then you had 65% discount off the gross rates to leave you paying 750(or 35% of the gross figure. . This year then at full gross be a minimum of €2054. Any haggling discount you had for being claim free is gone for a few years. If Active claim then you kinda stuck with them as other insurance companies won’t take you on unfortunately

FatimaKid

SCOOP 64 wrote: »

What do Aviva say to justify that?

They said there could be changes to ratings applicable in my area. I was so flabbergasted I didn't think to ask them to provide the underlying data.

Still in shock.

Jmccoy1

SCOOP 64 wrote: »

No protected no claims bonus?

No, wasn't available to me at the time.

SCOOP 64

No protected no claims bonus?

Jmccoy1

Had an accident in June, got my renewal quote from AXA last week. All I can say is shock horror ðŸ˜³

Age: 38
Car: 2005 VW Polo 1.2l Petrol
NCB: 0 (Was 3, they've taken it off me)
Claims: 1 open
Price: €2713 Comp. (Up from €750)

SCOOP 64

What do Aviva say to justify that?

FatimaKid

Aviva - what's going on?

Wife:
Age: 61
Car: 2006 Jetta 1.6 Petrol
Cover: Comprehensive
NCD: 10+ years
Penalty points: None
Current premium: €404
Aviva renewal: €410
Increase: €6 or about 1.5%

Me:
Age: 60
Car: 2014 Mondeo 140bhp
Cover: Comprehensive
NCD: 10+ years
Penalty points: None
Current premium: €420
Aviva renewal: €658
Increase: €238 or about 57%

68 lost souls

Just took out my new insurance there was shocked by renewal quote and struggled to find anywhere less than €800

Me:
Age: 32
Car: 2016 Golf GTD
Cover: Comprehensive class 1
NCD: 10+ years
Penalty points: None
Cornmarket renewal: €1250
Renewed with 123.ie for €480

Odyssey 2005

h3000 wrote: »

Both my own and my wife's polices were due for renewal. Tried to get a deal for both policies.

Wife:
Age: 38
Car: 2005 Corolla 1.4 Petrol
Cover: Comprehensive
NCD: 10+ years
Penalty points: None
Aviva renewal: €533
Done a few quotes some were similar some much more expensive.
Renewed with 123.ie for €478 including multicar discount.

Me:
Age: 37
Car: 2013 Mondeo 140bhp
Cover: Comprehensive
NCD: 10+ years
Penalty points: None
Aviva renewal: €658
Renewed with 123.ie for €440 including multicar discount.

Same level of cover/excess/bonus protection as Aviva.

Jesus their very expensive.

h3000

Both my own and my wife's polices were due for renewal. Tried to get a deal for both policies.

Wife:
Age: 38
Car: 2005 Corolla 1.4 Petrol
Cover: Comprehensive
NCD: 10+ years
Penalty points: None
Aviva renewal: €533
Done a few quotes some were similar some much more expensive.
Renewed with 123.ie for €478 including multicar discount.

Me:
Age: 37
Car: 2013 Mondeo 140bhp
Cover: Comprehensive
NCD: 10+ years
Penalty points: None
Aviva renewal: €658
Renewed with 123.ie for €440 including multicar discount.

Same level of cover/excess/bonus protection as Aviva.

Amouar

I'm currently with its4women but my renewal quote didn't arrive yet despite only 21 days left before my policy expires.

I was looking around for quotes and Liberty gave me the best quote. I ringed them and they knocked 50 euros off the price. I'm now happy with the quote but still curious to see its4women's renewal quote. I tried getting a new quote from them and the price was more expensive to what Liberty is offering me. I guess the renewal quote would be the same or renewals are generally cheaper compared to new quotes?

Odyssey 2005

Amouar wrote: »

What do you guys tell the insurance folks if you want them to reduce the price? I got a quote from Liberty that I'm actually happy with, but noticed folks were able to get a cheaper quote when they call the insurance directly.

Just ask for a better quote. House ins renewal today. Renewal was 345. Spoke to them ,changed nothing and renewed for 292.

Reisers

Amouar wrote: »

What do you guys tell the insurance folks if you want them to reduce the price? I got a quote from Liberty that I'm actually happy with, but noticed folks were able to get a cheaper quote when they call the insurance directly.

you can say you're going to shop around and whats their best price

no need to make up fake quotes

Testament1

I had a better quote from another company and asked if they could match it.

Amouar

What do you guys tell the insurance folks if you want them to reduce the price? I got a quote from Liberty that I'm actually happy with, but noticed folks were able to get a cheaper quote when they call the insurance directly.

Testament1

johndaman66 wrote: »

The likes of 123.ie are cheap but will fleece you if you are making a change to your policy part way through. Also they definitely wouldn't be the best out there to be dealing with if your making a claim.

They really that bad? Coming in at the cheapest for me this year at 936. Liberty will come to within 30 euro of it after chatting on the phone. Everyone else is coming in at 1100 to 1900.

A Law

Your Age: 33 and wife 33
Car type and engine: 318ci BMW
years driving: 16
any claims: 0
Points: 0
Price and provider: tpft 380 with multicar discount from wife's car. 123.ie

A Law

Micheal H wrote: »

Make sense of this for me!

Details: Male, 37, full licence 10+ years, NCB 10+ years, 0 points
Car: 2004 Mondeo 2.0 TDCi

Got my renewal email from 123 which quoted me €811, fully comp, NCB protection, etc. which is about 30 quid cheaper than last year. I've been with them for many years, always found them to be very competitive with a high level of cover, but always go and do the usual shopping around online for other quotes, just in case. Most places coming in around the same price for similar level of cover, so was leaning towards just renewing again with 123.

Had a look through the renewal policy details and I see the vehicle value set at €5000, which is obviously ridiculously overvalued, so I went back on to 123.ie to get a new quote with the car value at €1000. This gave me a quote of €593. Result!

Then, just for the craic, I decided to get another new quote, but using all the same details as from my renewal quote, ie the car valued at €5000. This gave me a quote of €490! :eek:

So getting a new quote using exact same details, with the exact same company, somehow works out the best part of 50% cheaper compared to renewing my current policy. I'm totally baffled

7000€ seems to be the magic number for me. Car is a 00 318ci. Tried most of the values, 7000 give me the cheapest premium

sderref

Male 43y 10+ exp/ncb, Irish licence
second driver: Female 28y, Irish learner permit
Car: 2005 Suzuki Ignis

Last year 570
Aviva: renewal 458

AIG 1400
Allianz 1093
AXA 1300
Zurich no quote
Liberty: 1450
123 1470
Kennco: 1200
FBD no quote

johndaman66

You should bump the value up to €20,000 and you might get it cheaper again. When I was calling for quotes for my 2004 Corolla a few years back I was actively encouraged to bump up the value of the car considerably to get a lower premium. When I suggested I was doing the same to a guy doing the same the following year when calling for quotes he snapped the head of me.

The likes of 123.ie are cheap but will fleece you if you are making a change to your policy part way through. Also they definitely wouldn't be the best out there to be dealing with if your making a claim.

Micheal H

SCOOP 64 wrote: »

Online quotes ?

Yes, online

SCOOP 64

Online quotes ?

Micheal H

Make sense of this for me!

Details: Male, 37, full licence 10+ years, NCB 10+ years, 0 points
Car: 2004 Mondeo 2.0 TDCi

Got my renewal email from 123 which quoted me €811, fully comp, NCB protection, etc. which is about 30 quid cheaper than last year. I've been with them for many years, always found them to be very competitive with a high level of cover, but always go and do the usual shopping around online for other quotes, just in case. Most places coming in around the same price for similar level of cover, so was leaning towards just renewing again with 123.

Had a look through the renewal policy details and I see the vehicle value set at €5000, which is obviously ridiculously overvalued, so I went back on to 123.ie to get a new quote with the car value at €1000. This gave me a quote of €593. Result!

Then, just for the craic, I decided to get another new quote, but using all the same details as from my renewal quote, ie the car valued at €5000. This gave me a quote of €490! :eek:

So getting a new quote using exact same details, with the exact same company, somehow works out the best part of 50% cheaper compared to renewing my current policy. I'm totally baffled

olearydc

Age:52
Car type and engine: 2013 Leaf
years driving: 10+
any claims:0
Price and provider:€612 AA

AA charged €498 last year
After seeing a increase of over 20% to €612 -- I said sod this
And looked around
Best quotes being BOI and Zurich
Went back to AA and said I am not renewing and just send on the no claims form
After a bit of this and that
AA went down €150 --approx 20 euro more then the other 2
I am away for a few weeks so did not want to mess around too much

But saved 150 this time and next year will definitly move if not the lowest

AlanMcC23

Just got my renewal letter in the post.

29 years old
10 years full license
10 years ncb
Ncb protected
Fully comp

152 VW CC R-line DSG 177 bhp

Last year it was €775 with Aviva and quoted me €602 this year

marcos_94

dodzy wrote: »

Underwritten by who?

My policy is underwritten by RSA, but they’re not tied to a single insurance company

dodzy

marcos_94 wrote: »

Try GMHD brokers from Kerry. They got me sorted on an unbelievable quote for my BMW 325i

Underwritten by who?