Car insurance - tell us your quotes/renewals

Why would you lose NCB by going through another insurer? Even if out surance are a hassle to deal with your NCB stays with you for 2 years from previous insurer...

Ah, I see what you mean. Strange that they don't offer it as it's statistically an easy moneymaker. The NCB protection/step back can be a bit if a pain still as it's only tied to current insurer and I know people who had their original premiums magically increase to end up not to much lower than if they didn't opt for it. Granted that was many years ago and things may have changed.

Due to losing my licence in 019 i have to go through brokers, which ends next year, my insurance is with Axa, €790 last year, this year €730, full 7 year NCB and no penalty points.

Age: 44

Years driving: 18

Car: '07 Honda Civic 1.8 SES

NCB: 15 years

Claims: 0

Points: 0

Cover: Fully comp

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

Previous years:

2016 Axa €520

2017 Allianz €522

2018 axa €547

2019 its4women €413

2021 123.ie €414

2022 An post €355

2023 Allianz via Quote Devil €362

2024 An post €355

This years quotes:

Quote devil(allianz)334

Anpost renewal 360
123.ie 376

Outsurance the lowest for me this year and last.

Said I’d post again this year as I do most years…

Age 29 - Driving 10+ years

Car 2021 Mazda 3

Renewal with FBD - €790 (reduced to €720 with a phone call, still up nearly €200 on last year - changed car mid year, but current car is newer and has less power than previous car)

Some of the highlights:

Zurich - €660

AA - 640

AXA - 670

Red Click - 534

Allianz - €546

123.ie - €419 - went with 123 as nobody was getting next to near them this year…

didn’t try Outsurance as I’d be a bit hesitant without the NCD Protection

Leaving FBD after 5+ years as they were consistently cheaper for me in that time… not the case this time

42 years old, driving 18 years on full licence, 5+ no claims, 3 penalty points

Peugeot 5008, 2013

Allianz renewal 361.29

Super Value 475

an post 560

123.ie 422

I just renewed with Allianz

That was a great renewal price.

2004 Peugeot 406 HDI bought in 2004, driver 76 years old driving 50+ years, 18+ years accident free, retired, driving 10,000 km per year with no commuting.

Renewal with Aviva comprehensive cover €686.56, up from €507.76. These were the quotes I received from various insurers.

Allianz figure includes a number of items at an extra cost, full NCB cover, windscreen cover, driving other cars cover, open driving for persons between 30 and 70 with a full licence and my permission, personal accident cover and cover for towing a trailer.

I bought the Allianz cover and was pleasantly surprised to be quoted by so many insurers for such an old vehicle which is my daily driver.

About Outsurance, bit of an experience with them not long back.

Long story short, shoppped around, Outsurance were the cheapest. I personally have an issue with 'commuting' being not considered part of the 'domestic' use, but they're all at it now, but we included it in the proposal.

I digress.

Anyway, came back to them to proceed with cover. Ran through the details (again), all seemed in order, including the use for 'commuting' into Galway. We were asked for the postcode of where the car is parked during the day. Thought this was odd, but I looked it up and gave it to them anyway. That's when the 'Switch' kicked in: they said that would add €40 to the insurance. When challenged on it they said is was because of the location. Can I point out that the 'location' is inside a barriered, private, car park which we rent annually, and is off the public road, not on the street. All sorts of excuses given and when we pointed out we got quoted to include 'commuting', no postcode was asked of the employer (city centre retail, not that it's relevant anyway). We said straight up that this felt like it was a 'Bait & Switch' job - which of course, they deny. We asked therefore if we parked it in a different spot in Galway would it get a different price ? Mumbling occurred. We went further : we asked if they were penalising 'us' because of our occupation, as clearly if we worked in a different part of the city at a different job, we'd be getting a different, and maybe better, price ?

Anyway, all highly suspect to me, and I'm not convinced of the no NCB thing - time will tell in 1/2/3 years time when people want to move to other companies on how they'd get treated.

Anyway, long story short, went with one of the main players at a bit more €€€ because we felt the experience left a lot to be desired.

YMMV, as they say.

You have a poor understanding about the risk factors that insurers take in to cosideration when deciding to accept and rate a policy. Each insuer has different criteria based on their own loss experience, in addition to the cumulative results for all insurers. It may appear odd or irrelevant to the general public, but it will have a basis in fact

I will agree that the current knowledge level within insurance call centre staff is well below what I would consider adequate for such an important subject

Like them all, my premium would rise on renewal, that's the risk I'm taking, along with every other motorist who bothers to pay for insurance.