Car insurance - tell us your quotes/renewals

Here we go again!

The Wife has had our 2018 Skoda registered in her name as she lost her UK NCB after many years of claim free driving due to the Irish system. Since then she has built up her own NCB of 6 years on her Irish licence. Last year I went with AA (Zurich) at €400 Fully Comp. Their quote this year on exactly the same terms €779.81. No claims ever. Retired drivers. Low annual mileage. Two cars in the family.

We had a tree fall on the car which left a lot of dents. I paid for the repairs as the impact on our insurance would have been very expensive. I hate to think what the renewal would be based on the above if I had claimed.(Act of God)

How many years NCB had she accrued when the accident happened? There's a common misconception that when you have a claim made against you, you end up paying for the damage, you don't, you lose your NCB and start again. I seriously doubt her renewal was "thousands". It happened my daughter in her first year's driving, she paid 1200, had a minor tip, your one snook off and claimed and unfortunately on her renewal it was still 1200. You need to have 3 years NCB built up before you can get protection. My daughter only had tpft as well, she isn't Malaysian as if that makes any difference, don't know why you brought that into it...

Nice the way he copied and pasted my reply to his post but didn't copy and paste his post where "a n-other" had a tip and the other driver claimed against her, her renewal cost "thousands" which the poor crater couldn't afford thus depriving her of a living as she could no longer drive. A complete load of bollox unless said unfortunate wasn't actually insured at all🤔

Why don't you post it yourself if it bothers you that much? After all, its your post. As for the Malaysia part, most if not all foreigners are on poor hourly rates of pay, and that was included to provide background 2nd, after the accident she had to return home to Malaysia to nurse her sick mother, and she was gone for 3 mths, It was only when she returned and opened her mail she discovered the increase in her insurance premium. Obviously, the other lady involved had discovered hitherto unknown aches, pains and soft tissue injuries etc. after taking advice, and the cost rose from a simple bumper repair to extensive medical costs and compensation. I'm not sure how many years no claims protection she had built up by the time of the accident, I'll find out though, but in any case, she's unable to afford the renewal.

Not really. If you have step back bonus protection only, then you only lose 2 or 3 years bonus,( depends on ins. terms) and retain 2 years. No protection whatsoever, back to square one, begin all over again at first year. Full bonus protection, and even more if possible then drive on, same as if you never had a claim. I have always gone for the maximum bonus protection that I was able to get. Two years ago, I was with Zurich, then they raised their prices, and I got a better deal from 123.ie,.This year, 123.ie raised their prices, and I again got a better deal from Zurich, with their Comprehensive Plus insurance at €525.

Actually, I haven't changed one bit, I stand by what I said in my original post. A lady had a minor tip, reported it to her insurance, when the renewal came, she was unable to renew it due to the increased cost, and now has no car, so her cleaning job is gone too. What was your friend's insurance cost before the accident? The lady in question that I mentioned might not even be able to afford the €1100 your friend paid? There's also the insurance issue and no bonus protection involved that not only will have to begin at the beginning again, but ever further back, because you are now starting your 5-year bonus journey again, but this time, you are starting with the added disadvantage of having a claim registered against you, so how would that affect your renewal? Thats something to think about too,

Have you any idea about the amount the claim cost the insurance? In other words, how many years would it take for him to repay the insurance for what they paid out? (Post edited as I am getting some more info.)

Just renewed. 40 year old male with six years NCB (most of it carried over from abroad) driving a year old Kona Electric. Cover includes business. Up from 300€ to 370€. Aviva.

Mother of God you're either not playing with a full deck or are just trolling. He doesn't pay back what it cost the insurance company to settle the claim, he lost his NCB through penny pinching at renewal time, like your Malaysian mate times were tough at that time for him, he took a chance and it backfired unfortunately. When I made my claim in 2017 I didn't have to pay my insurance company the money it cost to fix my car. They're insurance companies not savings banks, it's all based on risk and they get stung too. I've outlined two actual cases to you with figures, I'm still waiting for your figures regarding your Malaysian friend.

Renewal just came in from liberty. Gone up from €460 to €610. Full no claims on a 3 year old puma

So you wrote and essay without knowing the details! Goodnight all

If the smaller claim indicates poor driving ability, it is likely to attract a high loading. A larger claim where a 3rd party may be chancing their luck will not be held against the policyholder.

In your example, both claims will probably just result in loss of bonus (without protection). The theory that insurers try to recoup their outlay from the policyholder over a period of time is nonsense. If you have a high premium after a claim, underwriters have determined that the circumstances profile you as a future

My car went on fire while waiting on my mam in a carpark. Engine bay section.

We do the 'right' things for emissions etc. but they put on filters that block air flow, mix fuel & waste gasses.

Madei local news. It's really relatively common now apparently.

On camera afaik.

No relay of information or movement on claim.

A 12yr old car, relatively small claim incl 2 investigation co s & 6 weeks for lad to look at CCTV security .

Going on three months now

One of the worst dragged out instances in my 55 years.

EDIT; In saying no relay of information i should correct that; The situation has taken steps but is still sort of where it is from the beginning.

**This is not to say my Insurance rep hasnt been cordial or not in touch**

But its always week or longer wait on a reply or no reply. But if there is no further info i suppose hearing little is much the same as no reply.

Thank you for asking.

So to answer your question first; Engine bay from beginning of exhaust underneath to front grille area was destroyed. I could speculate but so far no defininitive answer.

When i first felt something wasnt right, i got out and proceeded to open bonnet and i could feel unusualy strong heat on my hands, kind of oh no dread feeling, opened it and it was like a coal fire beginning to start. Surreal feeling and TBH my first thought was my car is gone. But in the following minutes i was actually very relieved, that it was I waiting on My Mother of 75 (who is a year removed from undergoing a lung removal procedure, leading to near fatal heart failure)… to come out of a local store and and not vice versa incl. any other person or God forbid a young kid and no cars in vicinity too were touched. Tramatic to say the least.

So i closed bonnet, grabbed what i could panicking taking keys from ignition and wallet with my cards. I kept my drivers licience in the small cubby near steering wheel, but it didnt survive as that particular card anyways,

Closed door scurried out a few yards to outside section to phone Dublin Fire Brigade who were amazingly promt and are just the best kind of people we are so lucky to be able to rely on.

Also there is a process and a lad representing the insurance company has been friendly but i think he may be as much in the know as myself, so im hearing what he has been getting which seems to a long and non definite anxious procedure, i IMO it is just something i will forever pay heed to, but i want to put it in the past.

I think its in these moments, and me being past middle age and incidents like this, give us pause and experience in a relatively small time frame, but broader sense of proportion.

Very sorry for big post.

Your Age: 58
Car type and engine: 2008 Mercedes C180K
years driving: 40
any claims: zero

Penalty Points: Zero
Price and provider: Allianz

fully comp with windscreen cover, breakdown assist, protected no claim bonus, driving other cars.

last year €383.34

quote for next year €382.95

going to ring other providers over next couple of weeks, but I don't think I'm going to get a better quote.

One of the joy's of getting older….. 😁

66 BMW 2028 118D fully comp incl. driving other cars, windscreen cover, no claims protection, €600 excess: OUTSURANCE €380

123.ie jumped from €430 last year to €550.

1. Never heard of Outsurance - they a broker? or their own underwriter?
2. Pretty new BMW 😉

Yes, I had to answer a million questions but I got well compensated for ut.

No, €600 excess is not the only option but I didn't bother enquiring about the cost of alternatives.

Insurance company.

Funny they never mentioned it at the NCT!

Late 20s 6y NCB. License for 7 years.

22 iD3 full comp with Zurich. No optional extras (€250 excess, €30 window excess etc).

Last year was €566. 2022 was €515.

Renewal is €788. Strange as TPFF is €491.

Places I've tried so far (All standard fully comp, no extras - €250 excess):

Fresh zurich quote with OBS discount code - Wouldn't quote.

Phoning zurich regarding renewal - €711.

Chill.ie - Wouldn't quote.

getsetgo.ie - €3,363.

aig - €3,211.

Its4women (no ncb protection) - €3202.

Revolut - €1,648.

allianz - €1,214.

123.ie - €865.

axa - €1,162.

axa through supervalu - €1,162.

Coverinaclick - Wouldn't quote.

libertyinsurance - €1,009.

Anpost Insurance - No quote online so range them - €646 with no NCB protection.

quotedevil - Actually got quotes for the first time in years. €826 with Aviva.

fbd (no NCB protection, €500 excess and excludes breakdown assistance :o ) - €809.

Aviva (€300 excess, added stepback protection) - €650.

I heard Aviva have been fairly good this year so I probably won't get lower than €650 with stepback? Anyone have any other places I could try? I thought the days of €3k+ quotes were over :D

so all week been offered a quote of 275 by 123.ie and then today the day before policy is due for renewal , it’s gone up by 17 to 292. When I rang to ask they said I should’ve taken the offer when offered. So I said after my experience in B and Q yesterday , plus the NCT, and people not giving anything towards cost of petrol, I’m just not renewing my insurance and am going to go without . He confirmed the NCB is valid for 2 years so we’ll see how that works out .

I sometimes assume the best of people and thought he wasn't going to drive?

292 is a bargain.

How ungrateful of me

I had been doing that every year no matter who I was with, ignoring the renewal number and going back in to generate a fresh quote from their online portal /site every time was coming in at least 100 cheaper .