Car insurance - tell us your quotes/renewals

cplwhisper · 04-05-2021 06:08PM

Odyssey 2005 wrote: »

That time of year again.
Renewal letter came in. No change in particulars
Quote €547.
Called them and got it reduced to €535. Won't do much better I'd say.

Check if step back protection is still inplace..if not, could it be added.
Without step back - heaven forbid would mean a theft/fire claim which as you know is non-fault would wipe out the current 5yr ncb percentage.

Always check the insurer is giving you the hybrid rate as cheaper than petrol alone.

Odyssey 2005 · 04-05-2021 07:19PM

cplwhisper wrote: »

Check if step back protection is still inplace..if not, could it be added.
Without step back - heaven forbid would mean a theft/fire claim which as you know is non-fault would wipe out the current 5yr ncb percentage.

Always check the insurer is giving you the hybrid rate as cheaper than petrol alone.

I did thanks. There's full protection (2claims in 3years I think) then if there were to be a 3 rd claim step back would kick in.
It's a diesel hybrid.

cplwhisper · 04-05-2021 07:24PM

Odyssey 2005 wrote: »

I did thanks. There's full protection (2claims in 3years I think) then if there were to be a 3 rd claim step back would kick in.
It's a diesel hybrid.

Sorry all hybrid rated better ðŸ˜Ž

hellyeah · 10-05-2021 03:01PM

Male 45. Full Ncb
08 Ford focus 1.6 petrol.
Chill 531euro.
Axa 337 added breakdown 372euro.
Fully comp.
Result.

Wheety · 10-05-2021 06:23PM

I'm going to start looking for my renewal over the next week. I'm a 40 year old male. My cheapest quote last year was its4women.

Renewal is €390 for 'Premium' and €405 for 'Premium Plus'.

Both are fully comp with 'Plus' also including:

Windscreen cover
Roadside Assistance
Home Start
Emergency Overnight Accommodation
Legal Expenses

Drive a 2015 Hyundai i30.

I'll be checking their own website as new customer to see what comes up. Last year it was €330/€357 so I'm hoping to get it cheaper.

Have to print out your own disc with its4women.

Edit: Just checked their website. Can get the Premier Plus for €351, standard Premier for €323.

PsychoPete · 10-05-2021 08:01PM

Your Age: 27
Car type and engine: 2014 A6 3 litre quattro
Years driving: 10
Any claims: No Claims
Price and provider: Currently fully comp €650 with 123

Shopping around now, cheapest so far is axa with fully comp coming in at €590

CoBo55 · 10-05-2021 10:32PM

Wheety wrote: »

I'm going to start looking for my renewal over the next week. I'm a 40 year old male. My cheapest quote last year was its4women.

Renewal is €390 for 'Premium' and €405 for 'Premium Plus'.

Both are fully comp with 'Plus' also including:

Windscreen cover
Roadside Assistance
Home Start
Emergency Overnight Accommodation
Legal Expenses

Drive a 2015 Hyundai i30.

I'll be checking their own website as new customer to see what comes up. Last year it was €330/€357 so I'm hoping to get it cheaper.

Have to print out your own disc with its4women.

Edit: Just checked their website. Can get the Premier Plus for €351, standard Premier for €323.

Try AIG directly too. Try chill as well.

BillieT · 10-05-2021 10:44PM

Female: age 62, Driving for years, never ever had an accident or made a claim, and I Just had a day from hell with 123.ie
I had my car off the road for 4 months cos I couldn't afford it. Before that I was insured with 123
So two weeks ago I got a fantastic quote of 281, again from 123. Promptly paid it, in case they changed their minds, then had to wait till this week to tax it.
No sign of insurance disk after 2 weeks so I rang them this morning, they said I missed out a line on my address, and it would be another 98 euro. (I mean, I think it would be very hard for me to forget to put my house number and street number. ) And also, I was insured with them previously, so they had my address already anyway.
So after a lot of back and forward with a guy who sounded lke a robot, he was just repeating the same thing over and over again. That it was my fault and I have to pay the extra 98. I said I'd rather cancel it. So I had to pay 60 for whatever, admin or something, and they are refunding me 217 or thereabouts.
I shopped around all day afterwards, and I cant get insurance now, because my tax is out, and I cant get taxed because my inurance is out
AXA came in at 414, but refused me because of the above
sorry for the long rant.

PsychoPete · 10-05-2021 10:54PM

BillieT wrote: »

Female: age 62, Driving for years, never ever had an accident or made a claim, and I Just had a day from hell with 123.ie
I had my car off the road for 4 months cos I couldn't afford it. Before that I was insured with 123
So two weeks ago I got a fantastic quote of 281, again from 123. Promptly paid it, in case they changed their minds, then had to wait till this week to tax it.
No sign of insurance disk after 2 weeks so I rang them this morning, they said I missed out a line on my address, and it would be another 98 euro. (I mean, I think it would be very hard for me to forget to put my house number and street number. ) And also, I was insured with them previously, so they had my address already anyway.
So after a lot of back and forward with a guy who sounded lke a robot, he was just repeating the same thing over and over again. That it was my fault and I have to pay the extra 98. I said I'd rather cancel it. So I had to pay 60 for whatever, admin or something, and they are refunding me 217 or thereabouts.
I shopped around all day afterwards, and I cant get insurance now, because my tax is out, and I cant get taxed because my inurance is out
AXA came in at 414, but refused me because of the above
sorry for the long rant.

You don't actually need insurance to tax a car just write random numbers for the policy number. They'll still tax your car for you

wotzgoingon · 10-05-2021 10:58PM

PsychoPete wrote: »

You don't actually need insurance to tax a car just write random numbers for the policy number. They'll still tax your car for you

+1

I have being taxing cars online for many years now and never once put in my correct insurance policy numbers.

BillieT · 10-05-2021 11:10PM

PsychoPete wrote: »

You don't actually need insurance to tax a car just write random numbers for the policy number. They'll still tax your car for you

Thank you
My husband tried that, and put the 123 policy number, they came back and said that the insurance had to be up to date.
But I am gonna try that again tomorrow. I cant even go into the tax office because they never even sent me the disc. It's so fricken stressful

BillieT · 10-05-2021 11:11PM

wotzgoingon wrote: »

+1

I have being taxing cars online for many years now and never once put in my correct insurance policy numbers.

Thanks a mill. It didnt work for us today. But I am gonna try again tomorrow

Miscreant · 11-05-2021 05:49AM

BillieT wrote: »

Thank you
My husband tried that, and put the 123 policy number, they came back and said that the insurance had to be up to date.
But I am gonna try that again tomorrow. I cant even go into the tax office because they never even sent me the disc. It's so fricken stressful

Put a random expiry date in the future for the insurance on the Motor tax site, there is no validity check done so it should issue the tax disc at the end. In the 10 or so years I have been renewing my tax online, not once have I put in genuine details. Choose an insurance company, enter some random digits for the policy number and a date in the next few months for expiry and you'll be fine.

Wheety · 11-05-2021 09:44AM

BillieT wrote: »

No sign of insurance disk after 2 weeks so I rang them this morning, they said I missed out a line on my address, and it would be another 98 euro. (I mean, I think it would be very hard for me to forget to put my house number and street number. ) And also, I was insured with them previously, so they had my address already anyway.

Did you cancel with them? Was it within 14 days?

Pearsett100 · 12-05-2021 11:24AM

Recently got my first quote in my own name on a car.
Age :21
Driving experience: 3 years (2 on provisional, 1 on full license)
Car: Solid 1.8 diesel Mitsubishi lancer
Age (of car) : 2011
No points/claims
Value around 3 or 4 thousand
Rang up every Tom, dick and Harry in the country including a few brokers.
Managed to get €850 fully comprehensive with AXA as apposed to €1400 through the broker I usually go with.
FBD wanted €3,500 and were the dearest.
Just goes to show you have to call everyone and you can negotiate down to a price that suits.
Expected to pay way more, very satisfied

BillieT · 12-05-2021 12:06PM

Wheety wrote: »

Did you cancel with them? Was it within 14 days?

It was 16 days. They never even got in touch with me, but waited till I called them looking for my insurance disc, to tell me I owed more money.
It's all turned out ok now though.

Thanks to all the good advice above, I put an old Insurance number on the motor tax onine, and was able to tax my car.
Then I shopped around and found Supervalue Car Insurance, which came in at 341, and their customer service was very good.

laneooo · 13-05-2021 11:38AM

PsychoPete wrote: »

Your Age: 27
Car type and engine: 2014 A6 3 litre quattro
Years driving: 10
Any claims: No Claims
Price and provider: Currently fully comp €650 with 123

Shopping around now, cheapest so far is axa with fully comp coming in at €590

Hey Pete, I'm basically the same as you (Same car, near same age etc) with cheapest so far being axa at €577...did you manage to get it any cheaper with another company?

PsychoPete · 13-05-2021 12:19PM

laneooo wrote: »

Hey Pete, I'm basically the same as you (Same car, near same age etc) with cheapest so far being axa at €577...did you manage to get it any cheaper with another company?

No I haven't. It was cheaper to go with axa directly. AIG were the next cheapest at €640 and itsforwomen were around the same. Most places were €700-800 and liberty were closer to €1000

mankteln · 19-05-2021 08:16PM

Your Age: 33
Car type and engine: 2007 mercedes c180 1.8 petrol
Years driving: 6 years full licence
Any claims: 4 years no claims (no car for first two years!)
Price and provider: 1k with the AA (Also pay for AA membership so that's another 100 or so on top)

Renewal coming up next month and AA are offering €950 so been shopping around, cheapest I've found so far is its4women at €711. They don't offer any no claims bonus protection which I have at the moment(and having started off with no no claims bonus I know that's worth it's weight in gold!) so not keen to switch to them. AXA (who I was with previously) are offering €840 and they have some protection (it's step back so you lose a year), anyone know what other companies offer NCB protection at this stage (lots tend not to offer it until you're full/5+ years)

19-05-2021 08:28PM

BillieT wrote: »

..... ...... I cant get insurance now, because my tax is out, ...

You don't need tax to get insurance

mankteln · 19-05-2021 09:32PM

Odyssey 2005 wrote: »

I did thanks. There's full protection (2claims in 3years I think) then if there were to be a 3 rd claim step back would kick in.
It's a diesel hybrid.

Can I check who you are with for the NCB protection? Thanks

keithb93 · 19-05-2021 09:45PM

Age: 27
Male
Full license for 5 years
4 years no claims bonus.
VW Golf GTD 2.0 Diesel 2016

The cheapest quote I could get is 750 with AXA through GMIB.
Every year I have had to switch insurance company as the renewal always increases. Honestly i thought it would be cheaper 750 considering I almost have full no claims bonus.

HBC08 · 19-05-2021 09:54PM

Age 42
Male Full Irish 25 years
NCB 7 Years
Peugeot RCZ

€738 through my local broker to RSA
I can get it about €680 though several national brokers but happy to have a relationship and an office in my hometown and to support a local business.
The quote is the same as last year which is disappointing. I though having an extra years bonus makes a difference,apparently not I'm on full bonus after 5 years (I thought it went up to 9?)

mickwat155 · 19-05-2021 10:03PM

Age: 30
Male
Full license for 10 years
9 years no claims bonus.
Seat Ibiza 1.9 TDI 2008

I paid €464.47 this year with the rsa through 123.ie I couldn't believe it.. I was with axa the previous year and they were looking about €710

Miscreant · 19-05-2021 11:41PM

mankteln wrote: »

cheapest I've found so far is its4women at €711. They don't offer any no claims bonus protection which I have at the moment(and having started off with no no claims bonus I know that's worth it's weight in gold!) so not keen to switch to them

I just switched to Its4women and they definitely offer a protected no claims bonus. I had to pay a little extra for it but it was definitely there on the website when I purchased and confirmed in my policy documentation.

mankteln · 20-05-2021 01:55AM

Miscreant wrote: »

I just switched to Its4women and they definitely offer a protected no claims bonus. I had to pay a little extra for it but it was definitely there on the website when I purchased and confirmed in my policy documentation.

Yeah when I got to the final screen it had a box where it said it could be added for a premium but it said it was unavailable to me as they only offer it once you have 5 years NCB or more.

Chrisam · 20-05-2021 11:46AM

Hi

Just renewed this morning. Quoted €604.69. This was the cheapest, Ivernia, offered through Chill.

Just wondering, what is the secret formula to cheaper car insurance? Would love insurance quotes less than €400 and am not sure what factor is contibuting to my higher insurance quotes?

46 yr old female driver
10 yr old Renault Megane Hatchback (diesel), which I've had 9 yrs
9+ years NCB
8k milage pa
Comp insurance
Parked in driveway
Not used for work

Any thoughts on what is contibuting to my €600+ quotes?

Miscreant · 20-05-2021 12:04PM

Chrisam wrote: »

Hi

Just renewed this morning. Quoted €604.69. This was the cheapest, Ivernia, offered through Chill.

Just wondering, what is the secret formula to cheaper car insurance? Would love insurance quotes less than €400 and am not sure what factor is contibuting to my higher insurance quotes?

46 yr old female driver
10 yr old Renault Megane Hatchback (diesel), which I've had 9 yrs
9+ years NCB
8k milage pa
Comp insurance
Parked in driveway
Not used for work

Any thoughts on what is contibuting to my €600+ quotes?

There are lots of criteria that Insurance companies use to calculate the premium due. Your home address may play a factor also (do not put that here on Boards of course:) )

CoBo55 · 20-05-2021 12:24PM

Chrisam wrote: »

Hi

Just renewed this morning. Quoted €604.69. This was the cheapest, Ivernia, offered through Chill.

Just wondering, what is the secret formula to cheaper car insurance? Would love insurance quotes less than €400 and am not sure what factor is contibuting to my higher insurance quotes?

46 yr old female driver
10 yr old Renault Megane Hatchback (diesel), which I've had 9 yrs
9+ years NCB
8k milage pa
Comp insurance
Parked in driveway
Not used for work

Any thoughts on what is contibuting to my €600+ quotes?

Occupation and area you live in, the car is getting a bit old too (in the eyes of insurance companies).

StonedRaider · 21-05-2021 06:30AM

Chrisam wrote: »

Hi

Just renewed this morning. Quoted €604.69. This was the cheapest, Ivernia, offered through Chill.

Just wondering, what is the secret formula to cheaper car insurance? Would love insurance quotes less than €400 and am not sure what factor is contibuting to my higher insurance quotes?

46 yr old female driver
10 yr old Renault Megane Hatchback (diesel), which I've had 9 yrs
9+ years NCB
8k milage pa
Comp insurance
Parked in driveway
Not used for work

Any thoughts on what is contibuting to my €600+ quotes?

Added a named driver ( she MIGHT even drive the car once a year) and quote reduced by about €100

Car insurance - tell us your quotes/renewals

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