2007 1.6 petrol Zafira, two drivers (60s and 50s) about a million years NCB individually. No points. Fully protected NCB and breakdown cover. 337 euro with Aviva.
Since I started driving I shop around every year for the best value policy. This was the first year I just renewed.
Got a quote from Axa for € 830, so I went with that. That also goes down with € 207 when I exchange my driver's license for an Irish one, so I'm going to do that (would have to do that at some stage anyway, when my current license expires).
Of course, to keep up with the save driving that Irish license holders show, now all I have to do is learn how to immediately move to the middle lane when entering the motorway, how to drive 37 in a 50, how to leave the lights off when it rains and how to stop at the red light (circled) after turning right at the light with the arrow.
Just insured March 2005 Polo 1.2 Petrol for €534 with (same) broker, insurance increase, 30% since last one, broker says costs have "gone up a lot". Maybe car age increasing from 17 years to 18 years has something to do with it?. The insurers are Aviva, same as last year.
Go to their website and get a quote as if you were a new customer.
And also shop around of course.
Funny you should ask, because it so happens that I finally had them on the phone again today. Now got 10% off so down to 'only' € 1,484. Interestingly if I exchange my Dutch driver's license to an Irish one, it drops to just over € 800. Apparently people with an Irish driver's license are a lot better drivers than people with an EU license.
I'll still look around a bit, but also have to ask my wife's parents about it. Her mum has a German license (an old one, valid for life, which is why after 20+ years in Ireland she still has it), don't think she's paying twice the premium for her car.
How did you get on with that?
Not sure if I should post this in the renewals thread or here. I have an Alfa Romeo GT 3.2 V6 (LHD) from 2004 that I brought with me when I moved here last year from the Netherlands, along with more than 9 years of noclaims (why can't I type a 'more than' sign? it just disappears). Full EU license, wife and father-in-law both with Full Irish licenses also on the policy, noone with points or other issues. Managed to insure the car with Liberty for a not too unreasonable € 823. Now I got an email for renewal: they're trying to pounce with double that money: € 1,649!
That's a bit much. Now I'm going to look around a bit myself of course, but if anyone has any good ideas?
It is but you have to be careful with it
I remember dealing with an investigator after an accident and as well as re-enacting the accident at the accident site and answering about a 100 different questions they're very particular about what you were doing on the day and where you were coming from etc
Didn't have much time to change a story as didnt expect those particular questions
Sometimes your job can be multiple things. Example student or journalist. Journalist is very heavily penalised as the often crash on way to report the news in strange location. Often there is 2 titles for same job. Project engineer means nothing but say construction engineer is high risk.
1999 Corolla
Comprehensive renewal with Allianz, €466
How can you , they'd cancel your policy if they found out
Any big claim you could be left high and dry
My 1998 Astra G insurance up for renewal soon with RSA Bank of Ireland at moment, what insurance company's are taking quotes at moment as new business if any on old cars ?.
Three months ago I moved from the Netherlands to Ireland. Brought my 2004 Alfa Romeo GT 3.2 with me. Difficult to get a quote on it, online even more so because the car wasn't registered yet in Ireland. Now it is (finally, only took 2,5 months). Generally I tick all the boxes, just that the car is LHD, no claim is from somewhere else (the Netherlands), my driver's license too (again: the Netherlands). Two named drivers, my wife and my father in law (with whom we temporary live) who both have a full Irish license and also tick all the boxes including having their own cars (both Irish/RHD).
For now I managed to insure it online with Liberty for € 823, which isn't even that bad, reading everything. Got a quote online from the AA last week for € 425 but after a lot of phone calls eventually they didn't follow up on that even though all the information was in the online form (the problem seemed to be the foreign no claim). I'll still look around a bit, but at least I can drive the car again, after it's been off the road since the end of August when the Dutch insurance ran out (the Dutch insurer had already extended it twice, normally they don't insure people who are living abroad, but they helped me out while it took the Irish authorities forever to cough up a PPSN and a VRT exemption).
Last year, I paid just over €500 for my 05 Avensis 2.0L D4D Estate. No claims or points. 31 years old. Licence 10+ years, NCB same. That was with AXA via Campion.
Today I'm struggling to get an online quote from most insurers and my renewal cost with Campion was €710. Will keep shopping around this week and make a few phone calls. Such a frustrating experience year on year.
For the online quote, did you play around with the occupation, this can make a huge difference in quotes too?
Fully comp this year for €400, €480 last year.
I see plenty of IS200/Altezza on the road, all over 15 years old. How are people insuraning what many companies would consider a performance import when most have trouble getting a quote on small engine Irish domestic market car of the same vintage?
Toyota Corolla Verso 2006 1.6, 46 yo.
AIG Deluxe renewal €340, which is fully comprehensive and includes driving other vehicles and roadside assistance with homestart.
Some people on here getting quotes from Allianz sometime adding a second driver with experience can help.
Hi All, any recommendations for brokers for this situation? No luck so far. 16 year old Focus, small engine. I'm over 30 with no insured experience in the last 5 years so not getting quotes from anyone, apart from one 3k quote. I have experience from over 5 years ago which isn't being recognised.
i have a 2004 Mercedes E320 petrol . I am 50 plus with full NCB . Any recommendations on where to source best quote . I have only bought car and am getting quotes of 1200 euro which is crazy . I appreciate it is a big engine older vehicle . Any assistance greatly appreciated.
Despite all the negative press/supposed government pressure its all still wild west with insurers.
I've a 19 year old 2.0 petrol turbo subaru. Renewal time predictably price went up. Rang around, all the usual including aviva who "won't insure a car that old". Tried an post - a stunningly low fully comprehensive with full no claims protection etc for 320. Underwriters? Aviva. The same aviva that won't insure me.
And to add to it all I was with an post 2 years ago, same car and had to leave because they jacked up the price because of the car's age.. Which is now 2 years older.
Its a lottery. At least I won it this year, still think 320 was a mistake but ill take it, lowest I've ever had!
Jealous, tried Allianz on my 2007 Volvo S60 2.0. 42, full license, full ncb, 3 points, no claims.
Comp showing as €690 and TPFT at €680. With same bonus protection & breakdown assist as I currently have total comes to a whopping €779 which is miles off my renewal with 123 at €546. Couldn't beat the renewal last year, FBD were the only ones to come close and others were completely off the charts with Axa being over €1,450
I don't buy that for a minute. If you are moving from one company to another, and have the log book of that old car in your name (say for years), and have a track record of NCB (say on the that same old car), then frankly there is no change in risk profile.
it's just oppportunism by Insurance Co's, that's all.
As for 'existing' customers - I don't see ANY reward for being loyal to any Insurance Co at all, and that's before you say the words 'differential pricing' . https://www.centralbank.ie/regulation/industry-market-sectors/insurance-reinsurance/review-of-differential-pricing-in-the-private-car-and-home-insurance-markets
It's related to risk a new owner will stage a fake crash or more likely to claim. Existing customers are less likely to claim. It's a risk/reward trade off for insurer, not that I like it.
That's it...if not pretty difficult, then impossible.
Makes you wonder what the point of the NCT is.
Very frustrating though.
I am with them since 2008 for this car. Yes, no problem getting a renewal but going to a new company is pretty difficult.
Hello.
Thanks for the reply.
I don't think I've tried Allianz.
But have you had that car insured with them for a good number of years?
The problem arises when its it's a new policy being sought I think.
Mine (1999) is with Allianz - presume you have tried them?
Hello all. Chipping in here.
Any recommendations please for a company to insure a 94 Corolla. It's a relatives car. Passed NCT last week, drives like butter.
45 yo male with 3 years NCB with 123.ie
Tried all the major Irish companies I think but no joy. It is a very frustrating experience.
They suggest classic cover but it would be a day to day car.
And might it be somehow discriminatory them refusing to insure a perfectly road worthy vehicle?
Thanks for any input.
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