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Car insurance - tell us your quotes/renewals

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Comments

  • Registered Users, Registered Users 2 Posts: 2,696 ✭✭✭Cape Clear


    I did the same a few years back. Like yourself had car valued at €1K. I tried a few different values and got the best quote with a value of €5k.



  • Registered Users, Registered Users 2 Posts: 5,868 ✭✭✭jeffk


    Male, 41, Full NCB (even if some try say a windscreen is a “claim”) and driving over 15 years

    Last August Campion Insurance E571, 2012 1.2 TSI Golf

    This January changed to a 181, 1.8 Auris and it went up to E858 and I had war with them and told oh its more expensive and bigger engine (ignore in 40s, low milage, clean no claims)

    Below is a list of the usual places, issues in one form or another with 25plus, Arachas, Quote Devil and Zurich

    I had my phone on silent and got about 5 calls/voicemail of hold music and I wish I put in a fake number like I did for Chill as they are the worse (I just lash in the details, then see if my insurance will match if not ring to go over a quote and see if the same as I got)


    Post edited by jeffk on


  • Registered Users, Registered Users 2 Posts: 15,172 ✭✭✭✭loyatemu


    Zurich. Last year 358, this year 466

    I've got several cheaper quotes elsewhere, guess I'll have to give Zurich a call.



  • Registered Users, Registered Users 2 Posts: 2,474 ✭✭✭SweetCaliber


    Do, I'd advise doing up a new quote first using the promo code 'Protect' and then mention the quote when you ring.



  • Registered Users, Registered Users 2 Posts: 5,868 ✭✭✭jeffk


    Rang back Kennco too see if the quote was still as low and its jumped from 484 or so too 650 as he refreshed it because I got the quote in July and its August now



  • Registered Users, Registered Users 2 Posts: 9,443 ✭✭✭CoBo55


    I wouldn't bother, just go with the cheapest one assuming it gives the cover you want.



  • Registered Users, Registered Users 2 Posts: 2,074 ✭✭✭skibum


    Your Age: 57

    Car type and engine: 2008 Mercedes C180K

    years driving: 38

    any claims: none

    no penalty points

    Price and provider: Allianz, It was €381 last year, €383 Renewal, fully comp with bonus protection etc.. Rang around, couldn't get a better quote, rang Allianz to see if I could get any discount (has always worked before), but they wouldn't budge.



  • Registered Users, Registered Users 2 Posts: 12,519 ✭✭✭✭blade1


    Renewal came in at €343 so a fiver less than last year.

    No need to shop around yet again.



  • Registered Users, Registered Users 2 Posts: 858 ✭✭✭raxy


    I've just got my renewel from an post. €160 more than last year, no changes in between. Was my first year with them

    Have got a few quotes. In typical fashion quotes ranging from €600-2400.



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  • Registered Users, Registered Users 2 Posts: 12,519 ✭✭✭✭blade1


    No I didn't get any other quotes as I'm happy to pay that.

    This will be my 5th year with them.

    Used to change insurer every year with donkeys years before that.



  • Registered Users, Registered Users 2 Posts: 12,619 ✭✭✭✭siblers


    Do online quotes usually be more expensive than ringing up? Mine is gone up over a 100 euros from last year but any online quote is even more expensive



  • Registered Users, Registered Users 2 Posts: 18,338 ✭✭✭✭namloc1980


    Age 43 (m),

    2009 Toyota Avensis,

    Full NCB.

    Aviva for the last 3 years fully comp with full no claims protection:

    August 2001: €312

    August 2022: €337

    August 2023: €310



  • Registered Users, Registered Users 2 Posts: 9,443 ✭✭✭CoBo55




  • Registered Users Posts: 6,319 ✭✭✭DaveyDave


    Girlfriend's renewal:

    30, 1 Year NCB, full licence since Feb, me as named driver on a 2017 1.0 110hp petrol Golf:

    Previous year with 3 years named driving on a learner permit with Liberty was €580

    Renewal: €630

    New quote: €517



  • Registered Users, Registered Users 2 Posts: 581 ✭✭✭Len_007


    I renewed for my wife (39) with me as named Driver with SuperValu on our 2017 Leaf, €395.22 fully comp. I did try Chill but the cheapest there was €570. I could have done a bit more research but wasn't bothered.



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  • Registered Users, Registered Users 2 Posts: 556 ✭✭✭turbodiesel


    Apologies, duplicate comment on the ‘09 avensis quote



  • Registered Users, Registered Users 2 Posts: 556 ✭✭✭turbodiesel


    Just wonder was the 09 avensis the last of the old model or the first of the newer one?



  • Registered Users Posts: 224 ✭✭Muller1991


    Age 32 (m),

    2017 Kia Sportage 1.7 diesel

    Full NCB. (11 years)

    Aviva for the last 5 years Fully comp with breakdown assist etc

    September 2001: €448 Hyundai IX35 2014

    September : €415

    September 2023: €3,325 NOT JOKING


    So Last night I got this email basically saying based on their records etc that my renewal is almost 10 times the amount I paid for my policy last year.


    In that year I have had no accidents or penalty point claims. Been trying to get through to them all morning. Seriously hoping its a mistake on their end. Got a quote from Revolut (AIG) and one from Liberty too in the last hour bot around the 380 mark.



  • Registered Users, Registered Users 2 Posts: 12,519 ✭✭✭✭blade1


    Why even bother wasting your time trying to contact them?

    F*ck 'em!



  • Registered Users, Registered Users 2 Posts: 5,319 ✭✭✭SCOOP 64


    Someone's typed to many numbers by mistake .



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  • Registered Users, Registered Users 2 Posts: 9,443 ✭✭✭CoBo55




  • Registered Users Posts: 6,319 ✭✭✭DaveyDave


    Renewal came in from AXA at €500. I was thinking "was it not €400 last year?" and my only email is a quote of €530, makes sense that it was over the phone. I'll need to give them a call...

    AA, Aviva, Allianz, An Post, Liberty and Zurich are all between €500-600.

    Considering claims have been dropping and insurance going down in the last year or so it's disappointing to see a 25% increase after shopping around. 6 years NCB should mean something!



  • Registered Users Posts: 224 ✭✭Muller1991


    They can't be bothered to answer my calls, When I eventually got through to an agent they didn't understand my issue lol.


    Long story short I renewed with Revolut (AIG) for 355 all the bells and whistles included.



  • Registered Users, Registered Users 2 Posts: 3,017 ✭✭✭Eggs For Dinner


    Can I ask how you got a Revolut quote? I can only find travel insurance on the app. TIA



  • Registered Users, Registered Users 2 Posts: 9,443 ✭✭✭CoBo55




  • Registered Users, Registered Users 2 Posts: 858 ✭✭✭raxy


    Revolut is only offering insurance in stages. Update the app & it may show up.

    I got a quote & it was 1830. Aig was 2472.

    Got it through cover in a click for 492



  • Registered Users Posts: 58 ✭✭fozzy97


    Just wondering, with RSA(123.ie) for years. They have an online renewal system and say they don't entertain other companies quotes. Problem is I done a quote online and as a new customer and it's working out cheaper? Can I go ahead or would that be invalid? Also anyone any dealings with kennco insurance? Thks



  • Registered Users, Registered Users 2 Posts: 2,696 ✭✭✭Cape Clear


    It's a valid quote but they will probably ask you to submit all your documents again as if you have never been their customer.



  • Registered Users, Registered Users 2 Posts: 3,017 ✭✭✭Eggs For Dinner


    Mrs Eggs. 212 Dacia Sandero. 15k, Full NCB, Insd & Spouse to drive. Comp, full bonus protection, breakdown cover

    2022 - Aviva direct €360

    2023 - Aviva direct renewal quote €460

    New Aviva direct quote €380

    Went with AIG €299.68



  • Registered Users, Registered Users 2 Posts: 1,478 ✭✭✭vickers209


    Age 41 (f),

    2006 Nissan note 1.4 Petrol

    Full NCB. (15 years+)

    Aviva for the last 10 years+ Fully comp with breakdown assist and journey protection (€12 add on) etc

    Husband named driver 3 points

    November 2022 : cost €360

    November 2023: Renewal €456

    Went got a quote online with aviva details as above €315

    Reduced the excess on policy to €125 in the event of a claim €330

    Paid for there and then and policy doesn't start till November 7th happy😀



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  • Registered Users, Registered Users 2 Posts: 2,396 ✭✭✭Markus Antonius


    32 (M), 2017 Mazda 3 worth 20k, 14 years full license with no claims or points

    3rd party fire/theft with full NCB protection:

    FBD 2022: €310

    FBD 2023: €410

    All other providers (Axa, Liberty, other through chill) were at least €50 more with the exception of Aviva who were €423 for the same cover



  • Registered Users, Registered Users 2 Posts: 3,017 ✭✭✭Eggs For Dinner


    I've done a fair amount of quotes lately for family members and have found AIG to be very competitive with high levels of cover. Have you tried them?



  • Registered Users, Registered Users 2 Posts: 2,396 ✭✭✭Markus Antonius


    I didn't try them as I'm fairly sure I got some scandalously high quotes off them before. Just checked with them: 359 for comprehensive, full NCB protection (750 voluntary excess (takes €50 off)). Arrrggggghhhh!!!!

    Isn't there a cooling off period? Fairly sure I could cancel my FBD and switch to AIG...

    Edit: Cancelled FBD no problem and now with AIG

    Post edited by Markus Antonius on


  • Registered Users, Registered Users 2 Posts: 195 ✭✭[Steve]


    33(M), 2015 Focus 1.6 diesel (€10.5k), Initial quote in 2021 was on L plate with 3 months named on other policy, Full licence since June 2022, Fully comp.

    2021: €1,539

    2022: €609

    2023: €505

    Above with Liberty.



  • Registered Users, Registered Users 2 Posts: 6,686 ✭✭✭Damien360


    I look after my father in law who is now in his 80's. Quotes regardless of age of car are holding at about 650 for the last 5 years. He has fully comp, full NCB currently on a brand new Corolla. Recently had cars about 5 years old and price is same.



  • Registered Users, Registered Users 2 Posts: 858 ✭✭✭raxy


    Think you get 14 day cooling off period. You can still cancel after but they reduce the refund the longer it is so probably not worth it if the 14 days is up.

    I usually get a quote from AIG just for laughs. This year's AIG quote €2472. Policy I bought was €592 so 4 timers the amount.



  • Registered Users, Registered Users 2 Posts: 3,654 ✭✭✭Wildly Boaring


    It was time for the annual merry-go-round and first time with a 15 year old car (not my first 3.0 litre)


    41 year old male.

    2008 Audi A5 3.0tdi quattro sline

    Fully comp with class 1, step-back, breakdown and driving other cars


    Last year Zurich via Quote Devil €680

    Renewal via Quote Devil best quote... Allianz 730

    Online quotes

    AIG 950

    Allianz - No quote (despite being QD's best quote??)

    FBD 779

    AA 637

    Aviva - No quote

    Liberty 692

    Chill 568 Allianz (but no option to add class 1) Laughably this was 522 with a different start date (but still no class 1)


    123.ie via RSA 571

    Kennco 676

    SuperValu 870

    And the winner....... Zurich

    So Quote Devil Reckoned Zurich renewal was 770 (despite it saying 690 on the form)

    Went on their website got 660

    Took a call and as I've the house with them they went 589

    Shopped a bit more and sent them the 123.ie quote - they've dropped to 564......


    It's worth taking the phone calls this year, some years it's pure pointless.



  • Registered Users, Registered Users 2 Posts: 972 ✭✭✭phunkadelic



    Age: 42

    Years driving: 16

    Car: '07 Honda Civic 1.8 SES

    NCB: 15 years

    Claims: 0

    Points: 0

    Cover: Fully comp

    Provider: 123

    That's the missus, and I'm named driver on full license

    Previous years cost/best prices:

    2016 Axa €520

    2017 Allianz €522

    2018 axa €547

    2019 its4women €413

    2021 123.ie €414

    2022 An post €355


    This years quotes for Fully comp with NCB protection:

    Revolut 496

    An post renewal 456

    its4women €541

    Liberty €570

    Axa €851

    Allianz via Quote Devil €362

    Allianz €378



  • Registered Users, Registered Users 2 Posts: 1,038 ✭✭✭Hyperbollix


    41 yrs

    08 BMW 520d

    Full NCB 10+ yrs

    FBD 2022 (New customer) 405

    Renewal FBD 2023 - 582

    40% increase. Absolutely no way are they getting that. Sick to the teeth of this bs every year. Does anyone ever get a renewal in the post that is fair and reasonable, maybe a modest increase, or shock horror, a reduction?

    Now for the annual form filling for half a day online......



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  • Registered Users, Registered Users 2 Posts: 2,376 ✭✭✭jack of all


    My wife's renewal:

    49 years

    151 Octavia 1.6

    0 points, 0 claims

    Full NCB 10+ years

    Fully comp. incl. use for work and adding me as a named driver.

    Already have another motor policy and home insurance with Aviva.

    Aviva sent out renewal for €450, priced around, called Aviva and with some pressing got them down to €385 and very happy with that.



  • Registered Users, Registered Users 2 Posts: 2,583 ✭✭✭frash


    Driver

    Male 49 - 2 years NCB with 3 years named

    Full licence for 31 years

    Co-driver

    Female 48 with own insurance on a full licence for 20+ years

    Car = 2011 Yaris

    Renewal with Chill (Allianz) = €543


    Had the following lined up to do but stopped at Revolut as it was never gonna be beaten

    FBD = €534

    AIG = €412

    Revolut = €329

    Aviva

    Liberty

    Zurich

    AA

    Allianz Direct

    123

    SuperValu

    An Post

    Axa



  • Registered Users, Registered Users 2 Posts: 3,654 ✭✭✭Wildly Boaring




  • Registered Users Posts: 488 ✭✭septicsac


    Male 49, full licence, full NCB, no points, claims or convictions for 25+ yrs. Renewal on 191 2.0D Arteon through AIG golfer insurance for 395E. No one else even close and the AIG policy is fully comp and fully loaded. Slightly up on last yr, but only what is reflected on higher value car. Anyone with GUI membership should really be all over this AIG golfers insurance, hard to beat, no one has in about 5 yrs and I priced around every year.



  • Registered Users, Registered Users 2 Posts: 2,583 ✭✭✭frash




  • Registered Users, Registered Users 2 Posts: 22,707 ✭✭✭✭Esel


    Anyone have a link for GUI please?

    Not your ornery onager



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  • Registered Users, Registered Users 2 Posts: 22,707 ✭✭✭✭Esel


    Thanks for that. I was nearly there searching 'gui' and kept getting golfIreland links. Nothing there about GUI though. Think I searched Golf Union Ireland (me guessing) as well. Nada. Searched using DDG, maybe that was why.

    Anyway, don't play so can't avail. Thanks again.

    Not your ornery onager



  • Registered Users, Registered Users 2 Posts: 14,015 ✭✭✭✭Igotadose


    Car: 2017 Mercedes 190B, 50k km

    Driver: male, no points, named driver for 8 years on a policy for a car in my wife's name.

    Contacted existing insurer (Liberty) to see if we could add the car to the policy. Refused. O.K. then, issue me the policy. Couldn't find the car in their database. I didn't have the reg number at the time, they told me to call back when I had more information. Called back, was told that my file was 'locked' and the person on the phone would IM the first person I talked to, to unlock it, and they'd call me back.


    That was 2 days ago. In order to insure the car, I need a 'letter of named driver' from Liberty. They had a web page for that, but it says it'll take 72 hours. The new insurer (AA) will wait 5 days for the letter.


    So, my question here is, it seems like Liberty, to be generous, don't have their act together. AA found the car just fine even without the reg number, and issued me a quote which I bought. They also said they could wait for the letter of named driver from me for 7 days. The salesperson indicated if there are problems they can wait up to 21 days.

    I'm fine with AA but if they have to rescind the policy, then what? Besides Liberty and AA, who would you recommend? And will I face this 'named driver letter' problem no matter where I go? Can't I get insurance without it? Can't my wife have a second car on her policy?


    Thanks.



  • Registered Users, Registered Users 2 Posts: 3,017 ✭✭✭Eggs For Dinner


    The letter will be a requirement for every insurer and no, you can only have one car per policy



  • Registered Users, Registered Users 2 Posts: 758 ✭✭✭topcat77


    Had a renewal offer from Axa €721.42

    switched to Allianz. same cover (better actually) for €395.98



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