Car insurance - tell us your quotes/renewals

flanna01 wrote: »

For the benefit of the other posters, who may not share your wonderful gift of telepathy, would you mind elaborating on your thinking.....?

Could you possibly make it coherent as well please..

If other posters want me to elaborate, I will but I think you're the only one who doesn't see the problem with you advocating that all insurers quote the same price for similar risks while calling the current situation as an insurance cartel.

Anyway it's looking like I'll just have to go with smaller make and size of car. Generally getting between 2000/2500 for staying along those lines.

Insurance is reasonable given the circumstances, its actually looking like I'll be paying an arm and a led for the car and a basic one at that. If we go low price wise on car we pay more on the insurance and then nothing is a given with the car itself

Eggs For Dinner wrote: »

No point, you just confirmed what I was thinking

For the benefit of the other posters, who may not share your wonderful gift of telepathy, would you mind elaborating on your thinking.....?

Could you possibly make it coherent as well please..

flanna01 wrote: »

That is correct.. And your point is...???

No point, you just confirmed what I was thinking

Eggs For Dinner wrote: »

Make your mind up. You want all insurers to have the same price for your circumstances then you go on to mention insurance cartels.

That is correct.. And your point is...???

flanna01 wrote: »

Who rattled your cage??

Should there not be a regulated price for all the Gangsters? How can the exact same circumstances produce totally different quotes??

Are you really supportive of these hard working Insurance cartels? Do they really work themselves to the bone to get you the very best deal..??
!

Make your mind up. You want all insurers to have the same price for your circumstances then you go on to mention insurance cartels.

johndaman66

johndaman66 wrote: »

My own policy is due for renewal on the 28th of February. Got my renewal notice from Allianz in the week just gone. They are looking for €577.92, up from the €508.32 I paid last year.

Cover is comprehensive on a 2011 Avensis 2.0 D4D. 39 year old male, full Irish license held for almost 20 years, non penalty points, no claims, no convictions and full no claims discount. Living in a rural area.

Feel I can do better. Will be getting quotes over the next week or two and will keep you posted.

Apologies I meant to update much sooner as I renewed just over a week ago (renewal pack came in early January for a renewal date of 1st of March).

I renewed with Allianz but went online as a new customer and rang them back after to see if they could just renew me on current policy with the price I got on the online quote which they did after a small bit of argy-bargy.

New price came in at €415.36 for comprehensive cover and includes the following
- Full Bonus protection
- Breakdown cover
- Windscreen cover
- Driving of other cars.
- I drove the excess up to €500 to reduce the premium slightly and I passed my 40th birthday before renewal date.

Changes made to the policy versus previous policy include
- Previously had my Partner's occupation incorrectly down as payroll staff and updated it to accounts staff (she is named on the policy). She is 41 years old and has the full use of her own car. Full NCB, full Irish license. No claims, penalty points, convictions.
- Change of address from a Limerick county town to countryside within Limerick.
- Changed my commuting status to working from home.
Seemingly these changes brought the premium down from €577.92 as per renewal pack to €415.36. Relatively considerable all the same I thought considering the nature of the changes made.

As I recall the best alternative price was close to €500 but don't have it to hand at the moment as have them jotted down at my other house. I can post a few of the alternative quotes for anyone interested, just let me know.

Eggs For Dinner wrote: »

FFS, you found a bargain from an insurer working hard to provide competitive premiums and they too are gangsters. Pathetic

Who rattled your cage??

I sourced over 15 online Insurers to get that quote. Note *The first letter of the sentence *

My own Gangster Insurers wouldn't reduce their quote by one brown cent? Yet some other Yee Haa's could almost half it..........????

Now... Im sorry to ruffle your feathers with my direct approach, but do you really understand where they get their numbers from...??

Should there not be a regulated price for all the Gangsters? How can the exact same circumstances produce totally different quotes??

Are you really supportive of these hard working Insurance cartels? Do they really work themselves to the bone to get you the very best deal..??

Are you a stand up comic by any chance... FFS!

flanna01 wrote: »

Car Insurance eh..?? Welcome to the world of Gangsters, Cut Throats & Cowboys...

I'm driving for nearly 34yrs now. Never had a claim in my life, and change insurance brokers as often as my jocks (a little poetic licence there please guys..)

So, I was with my ex insurance broker for over 5yrs, no major problems with them until my renewal came up this year..

I changed my car from a 1.6lt Saloon, to a 2lt Saloon.

My Ex quoted me £582 which I though was a little steep.. (well, a pizz take actually!)

I did one of them search engine things, and got the EXACT SAME COVER from another shower of well known Gangsters for £338!!!!

I rang my ex back and shared this information, and asked as a loyal customer, what could they do for me..??

They said, and I quote: 'If you were quoted £338, I'd be taking it'

And so ended that 5yr romance...

Nowt but robbers and outlaws!

FFS, you found a bargain from an insurer working hard to provide competitive premiums and they too are gangsters. Pathetic

I know yeah but I'm under the knife as a newbie. I'm in the rock vs hard place right now.

Basically finding out how high can i go car/van wise whilst keeping the premium down and work from there. I'm gonna pay no matter what

Im not in the city but in a rural enough area and is where most my driving is going to be done. Not really looking at keeping to 1.2/city car which was kind of what the insurance guys were pitching to me.

Dirty loads and mucking about, thats pretty much it . So not restricting myself but also not going mad either. I'll have to factor in car value too

ongarite

Where you live affecting how much your car insurance has never registered with me until I'm moving home.
Moving 10 miles away from D15 to Meath with car insurance quotes 33% lower in Meath.

Car Insurance eh..?? Welcome to the world of Gangsters, Cut Throats & Cowboys...

I'm driving for nearly 34yrs now. Never had a claim in my life, and change insurance brokers as often as my jocks (a little poetic licence there please guys..)

So, I was with my ex insurance broker for over 5yrs, no major problems with them until my renewal came up this year..

I changed my car from a 1.6lt Saloon, to a 2lt Saloon.

My Ex quoted me £582 which I though was a little steep.. (well, a pizz take actually!)

I did one of them search engine things, and got the EXACT SAME COVER from another shower of well known Gangsters for £338!!!!

I rang my ex back and shared this information, and asked as a loyal customer, what could they do for me..??

They said, and I quote: 'If you were quoted £338, I'd be taking it'

And so ended that 5yr romance...

Nowt but robbers and outlaws!

wotzgoingon

clobber wrote: »

but would any jump from 1.2- to 1.6 put a much further increase onto that price they quoted me??

It would have made a difference when I was looking over 20 years ago but I'm not sure what it's like now. Just go through Donedeal and find small engined cars you like in your price range and call up the insurance company with the number plate. nobody can tell you how much it will be as everyone is different location, age, car etc..

Yeah so checked in with one of the insurance firms. And they've told me, generally, that my insurance would be coming in at between 2000 and 2500. They said i should be looking at 1.2 engine even though i plan to keep below 1.6
feel that it would open up the options a but more.

still in fact finding mode so i didnt ask them anything further.

but would any jump from 1.2- to 1.6 put a much further increase onto that price they quoted me??

wonski wrote: »

I get what you are saying, but with 06 car insured I have less room for negotiation.

Happy enough, they really offered me best prices in last few years and if not I switched nó problem. On one occasion I got new policy from them because it was cheaper than renewal. When you hit 400 euro renewal you kinda know that is close to base lowest price and with a car registered in 2006 it really is.

Next time I will try to haggle a bit just to see if there is a room for a bit of discount, sure there must be

Mine is similiar (08) - always worth the negotiation in my own opinion on any of the insurances or regular ultility contracts.

clobber wrote: »

Checking for insurance atm. Online quotes also coming up with "errors" after inputting all information. I am on a provisional so that means no prior records so im guessing that is the reason they are giving me nothing back?

Almost always better to ring. No matter the circumstances.

Checking for insurance atm. Online quotes also coming up with "errors" after inputting all information. I am on a provisional so that means no prior records so im guessing that is the reason they are giving me nothing back?

Liamo_mu

wotzgoingon wrote: »

Your insurance shouldn't be dear for that car but that is also dependent on your age.

24 and planning to buy the car in August. Done some test quotes and most won't quote me but the few quotes I have got aren't terrible but not great.

Around 1300-1400

wonski

I get what you are saying, but with 06 car insured I have less room for negotiation.

Happy enough, they really offered me best prices in last few years and if not I switched nó problem. On one occasion I got new policy from them because it was cheaper than renewal. When you hit 400 euro renewal you kinda know that is close to base lowest price and with a car registered in 2006 it really is.

Next time I will try to haggle a bit just to see if there is a room for a bit of discount, sure there must be

wonski wrote: »

I checked Liberty and it was 560, 123 wouldn't quote me as a new customer.

I just paid and renewed the original renewal after that. I really don't think they could go lower than that so didn't call them.

Maybe next year. I always try to get the best deal, but 400 euro was just fine and I didn't think that they could go any lower. If I wasted 50 euro then be it

Was speaking specificilly of my own experiences with 123 the past number of years I have been with them. Not a year has gone by that they've not knocked at least 50 quid off the renewal price with a phone call. They've only started that "web only" renewal price the past 3 years or so (I think) probably as an attempt to put people off ringing them but as I've said - without fail, they have always reduced that price. TBF to them (from my perspective) they've not been beaten on price the the past number of years I have been with them.
To add: I do have the wifes car and the house with them, so there are some "discounts" that they "forgot to apply" usually on that........

wonski

kippy wrote: »

Make sure you ring them and tell them you've a quote at least 50 euro cheaper. They can almost always do better.

I checked Liberty and it was 560, 123 wouldn't quote me as a new customer.

I just paid and renewed the original renewal after that. I really don't think they could go lower than that so didn't call them.

Maybe next year. I always try to get the best deal, but 400 euro was just fine and I didn't think that they could go any lower. If I wasted 50 euro then be it