Car insurance - tell us your quotes/renewals

bigboss1986 · 09-06-2025 02:31PM

39y old 2008 Type R 2.0 GT 220BHP just got it 2 weeks prior renewal.

Last 9 y I had Scirocco GT 170 2.0tdi where insurance was 420-450 with Allianz

Type R:

Allianz 620€ fully comp

Axa 660 €

Fbd 770€

The rest online quotes didnt give me price like I would like to insure Ferrari 🤣

NATLOR · 09-06-2025 06:39PM

That time of year again, such a pain in the hole,can no insurance company just look after their customers instead of shafting them on year 2. I have changed every year for the last 5 years

Last year €317 Zurich fully comp. this year € 438

So far FBD 375, out 343

Will try 1 more but don't see out being beaten . Not bothering ringing Zurich not wasting a phone call with that increase

SCOOP 64 · 09-06-2025 06:45PM

Still very cheap quotes.

CoBo55 · 09-06-2025 07:06PM

https://www.boards.ie/discussion/comment/123529331#Comment_123529331

Try Zurich as a new customer, that worked for me for a few years until this year when they just took the urine... Oh, add ZUROBS as a discount code to get a bit extra off, it's the one big switch discount code.

NATLOR · 09-06-2025 07:16PM

It's all relative . The Zurich quote is close to a 40% increase

NATLOR · 09-06-2025 07:16PM

https://www.boards.ie/discussion/comment/123529387#Comment_123529387

Cheers I'll give it a go

corcaigh07 · 16-06-2025 09:59AM

Zurich

Last year €362.60

Renewal Quote €487.43

Time to go shopping.

mickdw · 21-06-2025 12:04AM

As mentioned previously in thread. Outsurance very cheap but no protected no claims which to me is a major issue. I was on the point of buying policy on phone with them when I queried how much to add full bonus protection.... not offered.

in2dark · 21-06-2025 02:54PM

https://www.boards.ie/discussion/comment/123566129#Comment_123566129

In my case they were 80% more expensive than zurich plus no protected NCB

mickdw · 21-06-2025 03:35PM

I went with Zurich too. Good Price and looks to be good policy. 123.ie doubled their quote without reason.

dasa29 · 21-06-2025 08:56PM

Age 49

Car 2012 Toyota Yaris

Points free

Comprehensive

2023 €419.70 (includes protected NCD at 49.97) AXA

2024 €464.08 (includes protected NCD at €59.40) AXA

This year €388.42 (includes Free lifetime NCD protection for staying with AXA for 10+ years without claims)

Also mentioned other cover option

Third Party fire & Theft: €367.17

Potential-Monke · 24-06-2025 11:58AM

Renewal due next week. 42m, 2010 E-Class 220d Coupe, 18 years full Irish licence, no claims ever, no points, living in an area not named in address searches, have a work van. Full payment, Fully Comp, Breakdown assist:

Renewal Aviva: €743.59 (think I got it for €720 last year, €626 the year before)

Chill (online): €640 cheapest, next was €850

Outsurance (call after failed online quote): €1500+…

I've stopped after that shock. I'll try again during the week, not in the form anymore today…

CoBo55 · 24-06-2025 03:23PM

https://www.boards.ie/discussion/comment/123575206#Comment_123575206

I'd take the 640 price if it was my choice, the age of the car is going against you unfortunately.

SCOOP 64 · 24-06-2025 09:26PM

https://www.boards.ie/discussion/comment/123575931#Comment_123575931

2010 really ?

CoBo55 · 25-06-2025 06:15AM

https://www.boards.ie/discussion/comment/123576881#Comment_123576881

Once the car gets to 15 years old they charge extra, makes absolutely no sense I know especially with cars being so good now, but they do unfortunately.

Gooser14 · 25-06-2025 06:44AM

https://www.boards.ie/discussion/comment/123566129#Comment_123566129

Last year Outsurance were the cheapest for a family members car. Like you they didn't like the fact that they don't provide NCB protection & went with AVIVA instead. As a risk adverse person I consider their cashback after 3 years claims free driving to be nothing short of gambling.

Bass Reeves · 25-06-2025 07:02AM

https://www.boards.ie/discussion/comment/123575931#Comment_123575931

I would check if the conditions are like for like. 15 years is no longer "old" for a car. Look at the cars around you on the road. It the car model I suspect.

Renewal this year 2010 RAV 2.2D Aviva 5 weeks ago was 380 euro approx. Shopped around was not able to beat it.

Farmer early 60's. Full NCB.

I tried Outsurance they would not quote as I use the car farming. Not really gone on there insurance model as it traps you to get the 10% back. As well there lacknof bonus protection is a minus.

CoBo55 · 25-06-2025 08:52AM

https://www.boards.ie/discussion/comment/123577392#Comment_123577392

There was a condition on my last insurance policy I had with Zurich that driving other cars didn't cover me on anything over 15 years old. Younger drivers that I know can't get cover on cars of that age or older.

Potential-Monke · 25-06-2025 01:08PM

https://www.boards.ie/discussion/comment/123575931#Comment_123575931

Thankfully, I stuck to my guns and got a few more quotes in the last hour:

Chill: €640 (and I accidentally got 2 more quotes today, €723 and €740 with the same details…)
Outsurance: €1500
FBD: €741.49
Allianz: €440.18

Before additional add-ons because Allianz quote was excellent with everything added:

Zurich: €541.02
AIG: 1075.23
An Post: €584.70
Axa: No quote
Quote Devil: €648.43 (Allianz)

So yes, I went with Allianz. It was €338 before adding breakdown, windscreen, driving other cars and full NCD protection. Only a €250 excess too. I'm in shock, but the opposite of yesterdays shock.

Also something I noted with most insurance companies. If you pay in full it's X amount, but paying in instalments, the additional cost varied wildly. With Allianz, if I wanted to pay by DD, it added about €30 more. One of the ones above added €130! I paid in full, but surely it's not right that one crowd can charge only €30 while another fleeces you?

Car insurance in Ireland is still a complete farce, nothing has changed since they were given a warning a few years back. There's still a cabal there dictating crazy prices… The CCPC are absolutely useless, and the Financial Services Ombudsman is non-existent. Or if I picked the wrong quangos, then whichever one is supposed to keep insurance in Ireland in check is MIA.

Finally, for shigs and giggs, I decided to see how a quote would change if I changed my extremely safe, strong Merc for the worst and most dangerous car I've ever driven, a 222 Citroen C3 Aircross. Both my knees, my lower back and shoulders were close to having permanent injuries due to how badly this vehicle is designed. It also uses a Temu level dangerously unresponsive touch screen which is below the road line (so you've to look away), it's bouncy, it's tiny and made of tin, and the safety features are broken and distracting… But it brought a quote with KennCo from €800 down to €650…

Gooser14 · 25-06-2025 01:55PM

https://www.boards.ie/discussion/comment/123578231#Comment_123578231

I think the €30 for paying Allianz via monthly DD is misleading. The €30 is a service charge & does not reflect the total difference in cost.

I have checked my payment options & it shows:

Annual payment through MyAllianz €422.96
Paying via call centre, post or cheque, - Annual Payment €445.21
Rregistered on MyAllianz - Monthly Direct Debit €480.83
Not registered on MyAllianz - Monthly Direct Debit €506.16

In options 3 & 4 the Premium, including Gov Levy, is €445.21 & €468.67 respectively without the respective service charges of €35.62 & €37.49 making the total due €480.83 & €506.16.

As you can see the difference between the lowest (€422.96) & highest (€506.16) amounts quoted is €83.20.

Potential-Monke · 25-06-2025 01:58PM

Still better than €130! And I'm pretty sure it showed Total Cost when it offered it to me. Don't matter anyway, all sorted!

Esel · 26-06-2025 07:41AM

Paying by instalments attracts a higher premium AFAIK.

Deub · 28-06-2025 12:57PM

I receive my renewal and not a nice surprise. Like many here, it almost 100€ more expensive:

Age: 43

Car 191 Juke (yes, I like my sport car)

Insurance: liberty, now Red click

Last year: 477€

This year: 565€

I tried to shop around but nothing comes cheaper

Wildly Boaring · 29-06-2025 01:42PM

Thats very dear for a juke.

You try ringing your own insurer?

Deub · 29-06-2025 04:21PM

https://www.boards.ie/discussion/comment/123589468#Comment_123589468

I tried. They all come back within that price range. What hurts me is a claim from 4 years ago (I was rear ended and not at fault). I am with the same insurance for the last 6 years and they were ok on price until last year. Hopefully, next year I can save a bit.

CoBo55 · 29-06-2025 10:45PM

https://www.boards.ie/discussion/comment/123590024#Comment_123590024

Surely you have a letter stating that the claim has been settled completely? They're some shower of cowboys any excuse to get more money out of you.

Deub · 29-06-2025 10:57PM

https://www.boards.ie/discussion/comment/123591292#Comment_123591292

I have it. But all insurers ask you if you have a claim and if it is settled (which it is) but they rarely ask you if you were at fault or not.

Eggs For Dinner · 30-06-2025 07:19AM

If you have been fully compensated by a 3rd party, or their insurer, YOU have not had a claim, the 3rd party has. You must disclose the accident, but not a "claim'

Red Silurian · 30-06-2025 09:23AM

Age: 37

Car 231 Tesla model 3 RWD

Last year: €511

This year: €560

So instead of renewing at €560 I went as a new customer with the same insurer with the exact same cover for €460

It seems that renewal customers are more risky than new ones to the tune of €100 because price walking is illegal, right? 🤔🤔🤔

CoBo55 · 30-06-2025 09:26AM

https://www.boards.ie/discussion/comment/123591726#Comment_123591726

Good advice, it's all in the wording especially with insurance companies.

Car insurance - tell us your quotes/renewals

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