Car insurance - tell us your quotes/renewals

tcawley29 · 20-03-2021 08:38PM

CoBo55 wrote: »

He said he has comprehensive on other cars.

Does that not only apply if he is driving the car. I'm on about if it's left unattended in a car park.
Hard to see how it would be covered then but open to correction.

CoBo55 · 20-03-2021 11:14PM

tcawley29 wrote: »

Does that not only apply if he is driving the car. I'm on about if it's left unattended in a car park.
Hard to see how it would be covered then but open to correction.

It's a grey area alright. I would presume it would be the person who's name the car is in problem. Personally I never drive under the extension if the car hasn't got its own policy and at that it might be once or twice a year in a relatives car. There's a lot of skullduggery going on with that extension lark, I wouldn't like my car to be hit by someone driving on it.

Dante · 20-03-2021 11:24PM

Age: 30 male
Licence: Full 9 years
NCB: 2 years
Car: BMW 420i M Sport
Location: Dublin

Quoted over €1,100...not sure if I am being ripped off or not.

Tzardine · 21-03-2021 06:42AM

DaaaaaaaaaaN wrote: »

Age: 30 male
Licence: Full 9 years
NCB: 2 years
Car: BMW 420i M Sport
Location: Dublin

Quoted over €1,100...not sure if I am being ripped off or not.

Seems like a good quote to me given the circumstances.

on_the_roots · 21-03-2021 05:58PM

Age: 33 male
License: Full Irish, 18 months. Further 8 years in a non-EU country (but this has no importance on quotes here)
Penalty points: 3 for exceeding speed. No convictions, disqualifications, etc
NCB: 1 year
Occupation: System Analyst
Car: Toyota Avensis 2007 1.8 petrol
Location: North Dublin

Quotes:

Renewal with Kennco, TPFT: 800,00 (down from 1600,00 on my 1st year with 0 NCB)
Zurich: 995,00
123: 1650,00
AXA: 1746,00

Renewed with Kennco. Couldn't get anything else better, not even close.

Shlippery · 22-03-2021 01:18PM

Age: 30 M
Licence: 10+years ago
NCB: 4 Yrs ( insurance history reset while I was working abroad for 2 years....big mistake)
Car: Lexus ct200h
Location: Dublin
Liberty: €544.53

Renewed in January but now looking to change to an is300h and they are refusing to quote me on switching car as it's a 2.5L hybrid engine as I've less than 5yrs NCB so back hunting for new insurers... it's far from a 'performance' car..

Seem to be getting €827 as next lowest from Aviva..

clobber · 23-03-2021 10:52AM

Quick question

There any obvious reason why a specific insurer would hand out a quote with all the optional extras, but then one single change i make which is to go up a year in similar vehicle (2014 & above) they're like; erhm you need to call us.

Yeah granted the car they are covering is more valuable but the older cars they dont want to touch.

on_the_roots · 23-03-2021 06:52PM

clobber wrote: »

Quick question

There any obvious reason why a specific insurer would hand out a quote with all the optional extras, but then one single change i make which is to go up a year in similar vehicle (2014 & above) they're like; erhm you need to call us.

Yeah granted the car they are covering is more valuable but the older cars they dont want to touch.

Things that I know:

1 - Insurers are not clear about their algorithms to calculate a quote. There are plenty of cases where people change a car to another one exactly the same but just changing to a different color and they charge additional premiums. This is a messy black hole and will never end unless strict regulations are put in place enforcing transparency on this.

2 - When a specific car was involved in a claim in the past it is put in a kind of black list database that insurers share between them (as well as customer profiles) and it may cause a refuse to give a quote straight away online.

3 - Insurers and brokers love phone calls. You will never get the best quote on a online calculator. Not in Ireland. There are always room to reductions if you pick up a phone.

Spursyiddo · 23-03-2021 10:15PM

My axa renewal is €1,600 on a 02 polo 1.4 with a learner permit, I done a quick quote on 123.ie, a 08 note 1.4 and I'm getting €1,066. would I be better sticking with the polo or invest in a newer car. Any advise would be great

andrew1977 · 24-03-2021 04:27PM

Your Age: 43
Car type and engine:2014 Opel Insignia 2 litre diesel.
years driving: 20+
any claims: 7 years NCB
Price and provider: €426 renewal from AIG, got it down to €405 when i called them to renew.

Best price i could get around, AIG have my house and home insurance, cheapest i could get for like for like car insurance price comparison.
I have no hesitation changing insurance company every year, but 2 years running AIG have been the most competitive, they keep my business, paid in full today.

florawest · 24-03-2021 04:38PM

Spursyiddo wrote: »

My axa renewal is €1,600 on a 02 polo 1.4 with a learner permit, I done a quick quote on 123.ie, a 08 note 1.4 and I'm getting €1,066. would I be better sticking with the polo or invest in a newer car. Any advise would be great

Hi ya,
Just think what you will spend on the newer car will be more than the insurance for the polo with Axa.

Plus if the polo is running well and not costing you, if it was me I would stick with the polo, could you add a parent/sibling on the insurance might bring it down a bit for you also.

Good luck, presently on the phone waiting to see about cheaper car renewal.

A2LUE42 · 24-03-2021 05:12PM

clobber wrote: »

Completely new to driving. Lets just say old enough
Waiting to get driving test but obviously that's already factored in

And looking at smaller cars

Did you try Supervalu?
21-year-old first insurance with them last year on a provisional license and they were lowest be a few hundred. For my own, they were not competitive.

Shlippery · 24-03-2021 05:25PM

Shlippery wrote: »

Age: 30 M
Licence: 10+years ago
NCB: 4 Yrs ( insurance history reset while I was working abroad for 2 years....big mistake)
Car: Lexus ct200h
Location: Dublin
Liberty: €544.53

Renewed in January but now looking to change to an is300h and they are refusing to quote me on switching car as it's a 2.5L hybrid engine as I've less than 5yrs NCB so back hunting for new insurers... it's far from a 'performance' car..

Seem to be getting €827 as next lowest from Aviva..

Sorted..but at a cost.

Age: 30 M
Licence: 10+years ago
NCB: 4 Yrs
Car: is300h
Location: Dublin
Zurich: €768

Bit of an increase but not many options since Liberty wouldn't change policy to adapt.- others were coming in at 800-950 as the car is 2.5L engine. Frustrating.

frozenfrozen · 24-03-2021 05:45PM

did you try an post

Spursyiddo · 24-03-2021 08:58PM

florawest wrote: »

Hi ya,
Just think what you will spend on the newer car will be more than the insurance for the polo with Axa.

Plus if the polo is running well and not costing you, if it was me I would stick with the polo, could you add a parent/sibling on the insurance might bring it down a bit for you also.

Good luck, presently on the phone waiting to see about cheaper car renewal.

Hi, Thanks for your reply, I should have added that my wife is on my policy with full EU licence. My insurance is up tonight but I phoned Axa and explained that I considering changing my car and they give 28 days to renew

After I phoned today I did a quote with AIB for the polo and it came in at €1327 fully comp which is nearly €400 less and Axa was only for fire and thief

I'm sure AIB partnered with Axa so is a big difference between the two quotes as well as 0%APR on monthly payments with AIB

Henry Ford III · 25-03-2021 04:20PM

Renewed today. €380 for comp. New Ford. Model risk. Through a broker and underwritten by Footprint.

richieffff · 26-03-2021 08:44AM

Got a mail from 123 with a discount code if its any use to someone here:

"So simply start a quote online and don’t forget to enter 404040 in the promo code box for your €40 off."

Valid until 24th May

CoBo55 · 26-03-2021 09:18AM

richieffff wrote: »

Got a mail from 123 with a discount code if its any use to someone here:

"So simply start a quote online and don’t forget to enter 404040 in the promo code box for your €40 off."

Valid until 24th May

Nice one, mine is out on the 2nd of May. Thanks.

Dr_Colossus · 26-03-2021 11:13AM

Shlippery wrote: »

Age: 30 M
Licence: 10+years ago
NCB: 4 Yrs ( insurance history reset while I was working abroad for 2 years....big mistake)
Car: Lexus ct200h
Location: Dublin
Liberty: €544.53

Renewed in January but now looking to change to an is300h and they are refusing to quote me on switching car as it's a 2.5L hybrid engine as I've less than 5yrs NCB so back hunting for new insurers... it's far from a 'performance' car..

Seem to be getting €827 as next lowest from Aviva..

Shlippery wrote: »

Sorted..but at a cost.

Age: 30 M
Licence: 10+years ago
NCB: 4 Yrs
Car: is300h
Location: Dublin
Zurich: €768

Bit of an increase but not many options since Liberty wouldn't change policy to adapt.- others were coming in at 800-950 as the car is 2.5L engine. Frustrating.

Frustrating is putting it lightly. I've a 2007 Volvo 2.0 petrol which I'm paying €500 TPFT insurance for. I was thinking of changing as since approaching 15 years old not all insurers will quote and very few for anything remotely reasonable.

The Lexus IS300h was/is of interest as being one of the few petrol and/or hydrids available second hand and they're a nice looking motor but far from a performance car as you mentioned. I tried FBD and Liberty for a quote out of interest:
41 M with license and NCB of 10+ years but FBD wanted €892 and Liberty €960 for comprehensive. Tried on a 141 Lexus GS300h and Liberty wanted €941 for that. Ridiculous and will be sticking with the Volvo for another year at least.

csonb20 · 29-03-2021 07:56PM

richieffff wrote: »

Got a mail from 123 with a discount code if its any use to someone here:

"So simply start a quote online and don’t forget to enter 404040 in the promo code box for your €40 off."

Valid until 24th May

Thanks a million for putting this here. Was able to make use of this code earlier. Much appreciated. A very kind thing to do.

DenMan · 01-04-2021 07:12PM

Hey guys

Can you help me out please? I'm in full time employment now and I've my car insurance renewal in July with Axa. Do I update my employment status on the My Axa portal online and will that affect my renewal price? Will it bring it down does anybody know? I'm very close to my place of work, 15 minute drive. Thanks!

Perinho · 02-04-2021 08:29AM

DenMan wrote: »

Hey guys

Can you help me out please?

Hi DenMan,
Best thing with insurance companies is honesty. I can't imagine it would affect your policy until July.
Having a job might show them that you are less likely to be driving around in the middle of the day.
Look for an online quote from someone else, first without job and then with a job - might be an indicator for ya!
But I think be honest.

Eggs For Dinner · 02-04-2021 09:25AM

Advise your insurer. Some occupations are considered high risk and not informing them could be considered non-disclosure. Many occupations are considered to be much lower risk than being unemployed, so you might be pleasantly surprised

Eire Go Brach · 02-04-2021 09:39AM

Just started my yearly quote journey. So far most have gone up.

With FBD last year was €496 this year €550. Was so annoyed, rang them straight away and got it to €485. Just the fact I had to make that call. If i can get it €5 cheaper I will drop FBD

Anyone Know why the average is up considering less cars on the road?

Eggs For Dinner · 02-04-2021 09:55AM

Eire Go Brach wrote: »

Just started my yearly quote journey. So far most have gone up.

With FBD last year was €496 this year €550. Was so annoyed, rang them straight away and got it to €485. Just the fact I had to make that call. If i can get it €5 cheaper I will drop FBD

Anyone Know why the average is up considering less cards on the road?

Balancing the books across the portfolio of policy types. In FBD's case, they took a big hit on Covid related business interruption claims, so funds are needed from other classes of policy. Most insurers are reducing premiums

Cork Trucker · 02-04-2021 10:51AM

Renewal quote received yesterday.

2020: €680

2021: €793 reduced to €700

132 Ford S-Max

Full licence

12 years NCD

5000 kms annually.

I can’t better it. Insurer is AXA

cplwhisper · 02-04-2021 10:57AM

DenMan wrote: »

Hey guys

Can you help me out please? I'm in full time employment now and I've my car insurance renewal in July with Axa. Do I update my employment status on the My Axa portal online and will that affect my renewal price? Will it bring it down does anybody know? I'm very close to my place of work, 15 minute drive. Thanks!

If down as unemployed on current insurance you’ll only have social domestic and pleasure certificate from Axa.
Commuting to work is addition cover needed now, only about €25 per year for that use. Depending on the employer you may qualify for employee discount that may write of the charge.

If unsure will job/employer qualify for better rates then send me PM as I’m ex-Axa staff after 15 odd years

CoBo55 · 03-04-2021 06:38PM

Got my renewal today, €463 I'm with AIG through its4women. Tried AIG directly €378 for exactly the same policy, AA wanted €525, I went with AIG.

florawest · 04-04-2021 12:11AM

Vw polo 1.4 diesel 09
F 50's + named driver son 25
Full licence 30 +6 years.
Have few extras, fully protected no claim bonus, comprehensive driving of other cars, breakdown assist, key cover and open driven insurance.
Axa current provider renewal €670, down to €600
Aviva €540

Rang Axa to say got lower quote but they wouldn't budge, I have house and farm insurance with them too policy worth €750, will ring week before renewal April 23rd to see if they will go bit lower or match Aviva, just think if I move they will hike up my other policy come August (renewal).

cplwhisper · 05-04-2021 07:21AM

florawest wrote: »

Vw polo 1.4 diesel 09
F 50's + named driver son 25
Full licence 30 +6 years.
Have few extras, fully protected no claim bonus, comprehensive driving of other cars, breakdown assist, key cover and open driven insurance.
Axa current provider renewal €670, down to €600
Aviva €540

Rang Axa to say got lower quote but they wouldn't budge, I have house and farm insurance with them too policy worth €750, will ring week before renewal April 23rd to see if they will go bit lower or match Aviva, just think if I move they will hike up my other policy come August (renewal).

Don’t move to Aviva as you’ll loose - Comp driving other cars, next year when car is 13yrs old they’ll apply an age loading to car.& Axa allow 5 pp on each licence at no additional fees(speed, seatbelt & mobile phone offences it the terms)
Aviva rate has discount of €140 as both drivers have no penalty points(that’s me assuming based on ideal states above) so even if a week after renewal ye get 1st of PP ever then you’ll be loaded on the spot. Fail to disclose would be immed cancellation on their discovery.
Not talking bullsh1t.. I’m ex-Axa staff and have family who are current Aviva staff so best knowledge in this scenario.
Current home/farm rate includes the motor-discount so it’s not that they’ll hike the rate it’s because you choose to remove that rate

Car insurance - tell us your quotes/renewals

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