Car insurance - tell us your quotes/renewals

52 year old male, less than 1 year full Irish license (driving test over 30 years ago in Germany, but after coming to Ireland I exchanged my license for an Irish one last year), no driving experience in Ireland, so 0 years NCB and 0 points. 1 additional named driver (spouse), same circumstances. New electric car (2022 Nissan Leaf 62kWh). With all that, I agree this might be a bit of an edge case, but still an interesting experience when I went looking for a comprehensive insurance and checked out 14 insurance companies:

• 9 of them, i.e. AnPost, Arachas, Aviva, AXA, Bank of Ireland, FBD, KennCo, Supervalu (underwriter of AXA), and Zurich refused to provide an online quote without stating any reason. In addition, some of their websites looked like total rubbish from days long gone, so I'm kinda glad it didn't work out. How much can you trust an insurer whose website looks like complete crap, and who are even unable to provide a reason for refusing a quote...? Doesn't bode particularly well when I actually need to make a claim or something. Amateurs. :-)
• 2 of them wanted to install a spying box in my car to trace my every move (speed, acceleration, GPS data and whatnot), which was completely out of the question not because I like to speed (quite on the contrary, I'm a very cautious driver), but for privacy concerns, but at least they were able to provide an online quote: GetSetGo - 1469 EUR, 123 - 846 EUR.
• Its4Women: 1937 EUR
• Liberty initially insured me for 753 EUR, but they got the trim and value of my car wrong from the registration number provided. Their website is so **** that the trim only appeared AFTER paying for the insurance, namely in the documents! So I called them and they said that to correct that, I'd need to cancel and go through the entire process again not online but over the phone, so you can imagine what I said to those amateurs as well. :-)
• Which left me with just 1 company, Allianz, that did EVERYTHING right from beginning to end: modern, great looking, very functional and easy to use website, car trim recognized correctly from the registration number (even including the extra front LED lights!), and the best thing was that they offered the most competitive price of them all, namely 670 EUR, with a better standard package than Liberty. Needless to say I went with them, after a week of searching and scratching my head at the way Irish companies try to do "business" over here. :-D

And just to punish the other 10 amateurs, 2 spying lovers, and 1 prohibitively expensive one, I'm gonna stay with them till I die. :-D

Got a quote for the missus as a ballpark figure, she's named on my policy but will get her own policy once my new car arrives later in the year.

172 Golf 1.0 petrol, 29 year old, learner permit, 3 years named experience, me on the policy - €650 with Liberty.

Me, 30, full license, 4 years NCB - €616.

Having me on her policy drops it around €150 but still a very good price. My first policy was €2,500 with a named experienced driver bringing it down €500. I'm surprised named experience counts for that much considering a named learner generally doesn't have a ton of driving time. Cost very little to have her named on my policy too, maybe €300 for the 3 years?

Assuming your policy has "driving other cars" cover which most should then you can drive her car without her on your policy and without open drive. If she lives with you she is then a partner then your policy may not cover damage to her car but should cover the third party car if you're at fault.

Looking at my Aviva documents as an example, it says it won't cover damage to the other car if it's owned by a partner or doesn't have its own policy. However under third party liability of driving other cars it doesn't have a clause for it being a partners car so if I was driving my girlfriend's car and I cause a crash it will still have third party cover but if it was a friend/family member's car it would be comprehensive cover.

Just a bit of info:

Wife got her insurance with itsforwomen.ie this year, lowest by far after a few yrs being non-competitive. Changed car today and had to swap the new car on to the insurance, very easily done online and better still no charge for same, so many companies charge for the slightest admin these days, so this was a welcome surprise. If you are ok with dealing online they have been easy to deal with in our experience. Have to print your own disk, but again a lot of places doing that now and not a major issue for us.

Bank of Ireland renewal - 490. Cost last year 370.

Just curious as to what people pay.

• Your Age: 42
• Car type and engine: KIA RIO EXE 5DR, 2018
• years driving: 13 (Since 2008)
• any claims: never
• Price and provider: Got them all in a spreadsheet.

Hi everyone,

I received a renewal quote from Liberty for €729.43, however when I go in their website and get a quote as new customer, I'm quoted €586! This is a huge difference! Should I go ahead and just purchase the insurance as a new customer if I'm happy with the new quote, or is this something not allowed by the insurance companies?

EDIT: It looks like the price difference is maily due to the online discount of 25% which is not given for renewals.

Thanks

Got my An Post renewal there and also have the €50 renewal fee, how is that even allowed that's ridiculous. €480, if it wasn't for that fee it would have been €100 less than last year I wouldn't need to shop around. Such a waste of time getting a new quote from an existing insurer.

Where's this new law I heard about where renewals have to be the same price as new customers?

123 current - 385.23

123 renewal - 566.76

Quotes:

Aviva - 317.34

AA - 346.75

An post - 355

KennCo - 357.92

ItsForWomen - 389.49

AIG - 404.14

Best quotes - 415

Chill - 416

GetSetGo - 418.89

Liberty - 457.70

Fbd - 476.89

123 - 484.47

Allianz - 493.07

Bank of Ireland - 498.09

Zurich - 544.33

Axa - 557.79

SuperValu - 557.79

AIB - 602.32

Went with Aviva this time.