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Has anybody else's insurance premium gone way up in 2014?

  • 09-06-2014 12:22PM
    #1
    Col200sx
    Registered Users, Registered Users 2 Posts: 1,728 ✭✭✭


    Just got my renewal, last year I paid €272 TPFT on a Skoda Octavia vRS 1.8T.

    So renewal comes through and they offer me it for €625 :eek:

    That's €353 increase on last year.

    10 years driving on a full Irish licence, full no claims, no penalty points, convictions etc.

    Rang a few of other companies and also got some stupid prices, all TPFT quotes of €889, €550 and €417.

    So has anybody else's insurance gone way up this year?


«1

Comments

  • #2
    0ph0rce0
    Registered Users, Registered Users 2 Posts: 4,070 ✭✭✭0ph0rce0


    The Quinns must have bankrupted another company.


  • #3
    bazz26
    Registered Users, Registered Users 2 Posts: 51,556 ✭✭✭✭bazz26


    You will probably have to put aside an hour or two, get out the golden pages and ring every insurance company and broker. PITA but it can pay off and save you money.


  • #4
    pricklefingers
    Registered Users, Registered Users 2 Posts: 34 ✭pricklefingers


    I'm the same as OP, price increased €202 euros compared to last years quote with FBD..
    Shopped around and got it for €80 cheaper with AIG (2 of us on policy) and also got a voucher for a free kids Dubs jersey !!


  • #5
    markc1184
    Registered Users, Registered Users 2 Posts: 3,090 ✭✭✭markc1184


    When my quote came in in February it had gone up by the best part of €250. I had expected some sort of increase but not by that. Took a few phone calls but got it down to around about a €50 increase with the same benefits and add on I previously had, so I paid €565 fully comp on a Subaru Legacy B4.


  • #6
    maudgone
    Registered Users, Registered Users 2 Posts: 388 ✭✭maudgone


    Mine dropped from €451 with AA Insurance last year, to €268 this year with AIG.


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  • #7
    bear1
    Registered Users, Registered Users 2 Posts: 12,900 ✭✭✭✭bear1


    AXA tried stinging me last year when my renewal came. Originally it was 800e fully comp.
    Renewal came and it was over 1k!
    Rang around and got FBD for approx 500e. Rang AXA back and told them the same.
    They then offered me just over 600e but couldn't explain to me why the hell they had done it in the first place.
    That one phone call saved me over 500e. Ring around OP is the best thing to do.


  • #8
    Gazzmonkey
    Registered Users, Registered Users 2 Posts: 816 ✭✭✭Gazzmonkey


    I was with 123.ie for the last few years paying about €400 per year for TPFT, but after getting a renewal quote of €680 I looked elsewhere.

    Found a great quote from Liberty Insurance for €460 fully comp which 123.ie could not match, they didn't even come close.

    Maybe try Liberty??? worked for me!

    Regards


  • #9
    Alanstrainor
    Registered Users, Registered Users 2 Posts: 23,157 ✭✭✭✭Alanstrainor


    A lot of companies will up the prices on renewals because a lot of people are not willing to shop around. Being loyal to these companies is not in your interest, just shop around and hopefully you'll find a better deal without too much hassle.


  • #10
    MugMugs
    Registered Users, Registered Users 2 Posts: 17,875 ✭✭✭✭MugMugs


    Zurich and FBD were quite good to me this year. :)


  • #11
    anniehoo
    Registered Users, Registered Users 2 Posts: 6,597 ✭✭✭anniehoo


    Mine went up massively this year too with 123. Through this forum got a recommendation for 25plus.ie and got a brilliant quote.


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  • #12
    Atlantic Dawn
    Registered Users, Registered Users 2 Posts: 86,259 ✭✭✭✭Atlantic Dawn
    GDY151


    Up about 10% on last year.


  • #13
    colm_mcm
    Registered Users, Registered Users 2 Posts: 73,546 ✭✭✭✭colm_mcm


    Down 10%


  • #14
    The Diddakoi
    Registered Users, Registered Users 2 Posts: 488 ✭✭The Diddakoi


    Up from €280 last year to €345 this year with Aviva. Got a few online quotes, €320 being the lowest with its4women. Rang Aviva and asked why the big increase, and seeing as my husband has insurance with them too they matched last years quote. Well worth a phone call.


  • #15
    Gumbo
    Moderators, Society & Culture Moderators Posts: 42,321 Mod ✭✭✭✭Gumbo


    Yep. Mine has increased for circa €480ish to €550. But in fairness I drive a lot of different cars and have fully comp on all other cars that are not my own and they don't need to be insured by anybody else etc


  • #16
    robertxxx
    Closed Accounts Posts: 1,163 ✭✭✭robertxxx


    Mine has gone up for the last two years. Maybe due to wife having no full license.


  • #17
    Jesus.
    Banned (with Prison Access) Posts: 4,794 ✭✭✭Jesus.


    Got mine from 123 last week. Gone up over a ton


  • #18
    biko
    Registered Users, Registered Users 2 Posts: 81,219 ✭✭✭✭biko


    Mine goes up every year, more or less.
    I just switch to someone else and have managed to stay on the same level for many years doing this.

    Couple old ones from me
    http://www.boards.ie/vbulletin/showthread.php?t=2056174358
    http://www.boards.ie/vbulletin/showthread.php?p=83227598

    There is hope OP, just keep looking.


  • #19
    Rucking_Fetard
    Closed Accounts Posts: 1,260 ✭✭✭Rucking_Fetard


    What lies are the reasons for the increases?


  • #20
    Jesus.
    Banned (with Prison Access) Posts: 4,794 ✭✭✭Jesus.


    Just got an online quote from AA, fully comp. 373 for no-step back bonus protection and 413 with it.

    What exactly is that step-back etc thing?

    Also, I've always been fully comp but if you're driving a car that's worth feck all monetarily, would it be worth my while dropping down to third party and if so, can you get one of those policies where you can still drive other cars?


  • #21
    djimi
    Registered Users, Registered Users 2 Posts: 13,237 ✭✭✭✭djimi


    Jesus. wrote: »
    Just got an online quote from AA, fully comp. 373 for no-step back bonus protection and 413 with it.

    What exactly is that step-back etc thing?

    Also, I've always been fully comp but if you're driving a car that's worth feck all monetarily, would it be worth my while dropping down to third party and if so, can you get one of those policies where you can still drive other cars?

    Step back means that rather than losing your full NCB if you claim, you might only lose 1-2 years.

    If you are happy to/can afford to walk away from the car then third party makes more sense. Some TP policies will have third party extension, others wont. Just be sure to check exactly what the policy is offering; things like windscreen cover, breakdown assistance also might not be included.


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  • #22
    Jesus.
    Banned (with Prison Access) Posts: 4,794 ✭✭✭Jesus.


    Cheers mate. Appreciate it :)


  • #23
    bazz26
    Registered Users, Registered Users 2 Posts: 51,556 ✭✭✭✭bazz26


    jersman wrote: »
    Hey,

    If you let lowestquote.ie know what your quote is they might find a lower one for you.

    Or let them name their lowest quote first and I will then tell them if they beat mine. ;)


  • #24
    Jesus.
    Banned (with Prison Access) Posts: 4,794 ✭✭✭Jesus.


    jersman wrote: »
    Hey,If you let lowestquote.ie know what your quote is they might find a lower one for you.

    How much do you have to pay them?


  • #25
    fl4pj4ck
    Closed Accounts Posts: 2,000 ✭✭✭fl4pj4ck


    535 -> 950 with 123.ie 5 years NCB, 1.6 Avensis
    ditched them on the spot, and after signing up with AXA got an email with quote that was e7 lower than offered by AXA


  • #26
    Stoolbend
    Registered Users, Registered Users 2 Posts: 1,286 ✭✭✭Stoolbend


    €424 last year. €386 this year with 123. That's without even ringing them.


  • #27
    adocholiday
    Registered Users, Registered Users 2 Posts: 2,140 ✭✭✭adocholiday


    Liberty Insurance increased mine by €240 this year. 6 years on Full licence, 6 years NCB and no penalty points or convictions and have been insured with Quinn/Liberty in all that time. 27 driving a 2002 BMW 318. Crazy increase. I'll be shopping around for sure.


  • #28
    Iseedeadpixels
    Registered Users, Registered Users 2 Posts: 6,192 ✭✭✭Iseedeadpixels


    Mine went down about 200 euro, just keep shopping around until you find a decent price.


  • #29
    jimgoose
    Registered Users, Registered Users 2 Posts: 20,202 ✭✭✭✭jimgoose


    Hah! I was with a broker for 14 years, and these past few years I've been alternately with RSA and Zurich. One year one of them would go mad and I'd swap to the other via the broker, the next year the other, and so forth. This year, they both went mad and the best the broker was able to do was €570, €200 more than last year. So I fcuked them all off and got it with AXA for €378, 42 years young, full-comp on a 3l Jag.


  • #30
    Jesus.
    Banned (with Prison Access) Posts: 4,794 ✭✭✭Jesus.


    I don't see any point putting in a claim if your damaged/wrecked car is a banger and it meant losing your NCB.

    Would anyone else agree with that?


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  • #31
    Col200sx
    Registered Users, Registered Users 2 Posts: 1,728 ✭✭✭Col200sx


    To follow up on this......

    Spent a while ringing up companies for quotes.

    I've tried: AXA, Allianz, AIG, Aviva, 123.ie, Chill, Liberty, FBD, One Direct and Zurich.

    The honour of most expensive quote goes to Liberty with a staggering €889 for TPFT :eek:

    But surprisingly Aviva gave the lowest quote, with €355.

    So even being a jump from €272 last year to €355, I'm happy enough considering original renewal was €625 from 123.ie and many on here saying all premiums have gone up.


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