Car insurance - tell us your quotes/renewals

There was no €40 at the start, at quotation time - that's the point.

Let's say they do this 50 times a day: that's €2000 they rope in.

And if where you parked for work was an issue, why isn't asked of when you get the quote in the first place ?

I'ts only a matter of time before you'll have to declare whether you face the car in or out of the driveway when you park it……. (joke, btw……….)

You've proved my point. Look carefully again on a sample of the questions you are asked. They bear no relation to the examples you have provided. One of the key words will be 'usually'. A dictionary will help distinguish it from the word 'occassionally'

I don't think you appreciate the difference in risk of damage relating to the location where a car will spend most of its time.

As said by others, the key word is usually so it's fine to have it elsewhere without voiding anything and even then it would be hard for them to prove. Having said that, parallel parking in a narrow terraced street of a rougher area has inherently much more risk associated with it than a wide leafy suburb with plenty of space for two way traffic.

Regarding the roads traveled on, yes roads such as motorways are much more safer than than two way national roads or the 80km/h limit rally backroads littered around Ireland 😅 Would make sense that if a tracker is fitted and one does majority of driving on safer roads, they get a lower risk rating and quote.

Yes outsurance go deeper with the individual factors but this allows low risk applicants to get lower quotes than they otherwise would. At the end of the day, nobody is forcing you to go with them.

Tbh, to have a 17yr old on a 3-series, where all 3 are insured is, to me, 'cheap'…..if that is even an appropriate word.

You need to rethink the weird logic that might be applied? If your car is in a locked and gated car park is that because you are worried about you car being stolen?

That's some increase. Who is that with?

Axa. Was with Footprint last year but they've ceased trading.

For sure! Got a quote from Outsurance which was not far from last years quite. I'll def check Zurich as well, thanks for the heads up.

2010 Ford Focus 1399cc Petrol Driver 66yo full ncd. Voluntary excess €300. Wife as named driver.

AXA Renewal letter €426

Called and got 10% off so paid €383. 10% off because my wife also has AXA insurance. But I do the same each year and always get something off for some reason one year is was discretionary discount.

Full Comp
No Claims Protection
Car and Key Rescue
Driver injury cover
Legal Expenses
Replacement Car
Windscreen
Drive other cars.

2025 €392
2024 €380
2023 €360
2022 €418
2021 €450

Changed car mid 2023 but essentially the same class of sub 1400CC Petrol car.

Got my renewal from Outsurance €429.86, more than what I was hoping for, I paid €327 last year, in saying that I have changed my car for a newer car. It auto renews for the 3rd of May with payment due to be taken on the 26th of this month, I'll give them a ring and see can they give me a better price. It's too early to shop around as I need to be within a month of renewal.

Did you try Outsurance?

Why? Last year they were half what Zurich were wanting to renew with them, I had a lot more than 7 years NCB which obviously counted for SFA as far as Zurich were concerned. I haven't tried the merry quote dance yet as my policy doesn't expire until the 2nd of May but I'm not expecting anything much tbh.

Like all NCB's if you have a claim against you it disappears like a puff of smoke, protection or no protection. My renewal has come in, €429 for next year which by looking at what others are posting, isn't bad, not as good as I was hoping but nothing is these days unfortunately. It's certainly better than the almost €700 Zurich wanted on their renewal last year. If anyone could be accused of skyrocketing it's Zurich not Outsurance.

You clearly don't understand how NCB protection works.

Best of luck with Outsurance.