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Child Item

Car insurance - tell us your quotes/renewals

jordanfaf

Just curious as to what people pay.
Your Age:
Car type and engine:
years driving:
any claims:
Price and provider:

Mine go as below

Age:18
Car: 2006 mini cooper S 1.6 172bhp
Years driving: year and a half
claims: 1 claim last year
price and provider: 1200 with Aviva

Pretty reasonable price considering claim and high performance I think

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Pov06

Business Cat wrote: »

It hasn't been finalised yet, there are rules in place that if I remember correctly state that if an insurer is moving its business to another company at least 30 days written notice is required.

So if they were to send out letters say on the 1st of September advising of the change I think it can't legally start until the 1st of October.

Yeah I haven't been with them yet. I just got a quote online and they gave me a reference number which is valid for 30 days. Hopefully it will still work.

NoNonsense gave the cheapest online quote. I haven't had the chance to ring around and ask on the phone yet, hopefully it will be a bit cheaper on the phone

Gwynplaine

Gender : M
County : Wexford
Car : 2007 Saab 93 120 bap
Licence : full, 8 years. No points.
NCB : 8 years
Insurer : Aviva
Last year : 304 euro
Renewal : 530 euro
Fully comp.

Skylinehead

Gender: M

Age: 24

Car: 2006 Honda Civic 1.4

NCB: 1 year

Licence: 2 years

Cover: TPFT, breakdown cover

Last year's premium: €1890 :eek:

Renewal with existing insurer: €890

Best new price: Didn't check others, I was so happy with the reduction :pac:

Liam McPoyle

Pov06 wrote: »

When is NN to be phased out? My cheapest quote is from them and I need to renew for the 12th September.

It hasn't been finalised yet, there are rules in place that if I remember correctly state that if an insurer is moving its business to another company at least 30 days written notice is required.

So if they were to send out letters say on the 1st of September advising of the change I think it can't legally start until the 1st of October.

Pov06

Business Cat wrote: »

There's a piece in today's Sunday Business Post about FBD. It cites data from the CSO that today, average insurance prices are still 27% lower than they were in 2002.

Goes to show just how under priced insurance has been over the last number of years that there has been an approximate increase of 20% in the last 12 months but its still nearly 30% cheaper than it was 13 years ago.

NoNonsense is going to be phased out and all current NN customers will be offered renewal under the FBD policy umbrella which will likely mean a big jump in price for some NN customers.

When is NN to be phased out? My cheapest quote is from them and I need to renew for the 12th September.

HJL

Quick question for you guys.

My insurance company reaches the maximum NCB after 4 years.

So my proof of no claim bonus letter says, "The No Claims Bonus under this policy at the renewal date shown will be 4 year(s)*1"

And then the astrix says, "*1. You reach the maximum scheme no claim bonus after four years. This usually takes five years with most others Insurers. You may therefore have been driving claims free for longer than this period."

My question is, if I want to change insurance companies, how do I prove that I have in fact been driving 10 years without a claim?

2 years ago when I was moving to 123.ie from the same insurer I'm with now, I was told by 123.ie that I need to get something to prove I have 8 years NCB, I didn't really understand, but was just going to the other insurance company and see if they knew what they would require. But as it happened 123.ie rang back about 10 mins after their first call and said it was OK and they would accept whatever I had keyed in on the online application form.

I am not so sure it would be that easy again so I would like to know what is required now rather that running around trying to get something in a rush closer the time.

My insurance last year was €539.00, this year €644.99, so 20% increase. Only just got letter so do not know how that compares to other quotes yet.

Thanks,

Skatedude

Gender: M
County: Dublin
Age: 43
Car: 1997 bmw 840 4.4L
NCD: years
Licence: Full
Cover: fully comp
Renewal: €400 AIG through First Ireland, limited to 6K a year

quadrifoglio verde

dr.fuzzenstein wrote: »

^^^
Definitely bucking the trend there Mr Clover.
It seems insurance companies do this every year, Saps who just let the insurance roll over will be gutted like kippers and people who are putting in the footwork getting the deals.

I can't explain it. I've asked liberty to explain it as well. Ive been insured by liberty for the last 5 years. They've always been the cheapest for me.

Last year I did an online quote with chill, it came back with 2k plus. This was followed up by some lovely girl from chill asking was it competitive which it wasn't being twice what liberty quoted. She took my details, the exact same that I put into chills website and came back with a quote of 800

Which has me dumbfounded. How come when i filled it out online it was 1200 dearer?
I rang liberty to see would they insure me directly for the same price that they'd agreed to insure me through chill. The girl said no, the supervisor said no and the most the manager said he could do was give it to me for 900.

I asked him could he explain how liberty made more money insuring me through a broker for 800 Euro than me giving liberty 800 directly. Because the broker doesn't work for free.

At this stage I'm not sure whether the actuaries pull the figures from their arse, or the details you give means Jack **** and theres someone in the office pulling a lever that stops at a random number

9935452

Business Cat wrote: »

Insurers put vehicles into particular groups so while the Merc is technically a more powerful car, it may be grouped with smaller engine cars such as the Corolla.

That can happen with rarer cars, they can statically have a lower rate of accidents and are on paper a safer car

Liam McPoyle

There's a piece in today's Sunday Business Post about FBD. It cites data from the CSO that today, average insurance prices are still 27% lower than they were in 2002.

Goes to show just how under priced insurance has been over the last number of years that there has been an approximate increase of 20% in the last 12 months but its still nearly 30% cheaper than it was 13 years ago.

NoNonsense is going to be phased out and all current NN customers will be offered renewal under the FBD policy umbrella which will likely mean a big jump in price for some NN customers.

dr.fuzzenstein

^^^
Definitely bucking the trend there Mr Clover.
It seems insurance companies do this every year, Saps who just let the insurance roll over will be gutted like kippers and people who are putting in the footwork getting the deals.

quadrifoglio verde

gender: M

Age: 23

Car: 96 Alfa Romeo gtv 2L

NCb 5 years

Licence: 4 years, full

Cover: tpft

Previous year: 850 ish ( liberty through chill)

Renewal quote: 625 including ncb fully protected and windscreen cover

Best quote: see above

Rang liberty for a quote, came back with 1200 plus

Well done chill

UnknownSpecies

Gender: M

Age: 24

Car: '04 BMW 320Ci 2.2L

NCD: 3 years

Licence: Full 6 years, no points

Cover: TPF&T with drive any car cover (any policy I get needs this feature)

Best quote: €1000 flat. Hoping that will go down in April.

angeldelight

Gender: F

Age: 28

Car: 2008 Toyota Yaris Luna 5dr 1.0 value 6K

NCD: Full

Licence: Full 7 years, no points

Cover: Fully comp, NCD protected, husband with learner permit and no car as named driver. Motor breakdown cover

Last years premium: €465 One Direct

Renewal quote: €750!!

Ridiculous thing is Aviva underwrite One Direct and they've given me a quote of €430. Will give One Direct a call next week but they won't drop by that much. I had a range of quotes when calling around, dearest was €950 from BoI

Foxhole Norman

Business Cat wrote: »

Insurers put vehicles into particular groups so while the Merc is technically a more powerful car, it may be grouped with smaller engine cars such as the Corolla.

Yeah that's true I suppose, my 525 is cheaper to insure than my brothers Civic yet he's older than me with a longer license and No-Claims.

Liam McPoyle

Foxhole Norman wrote: »

Is it not a bit silly though that the Mercedes was the same year along with being a 2.2 yet a 1.9 Corolla is more expensive?

Insurers put vehicles into particular groups so while the Merc is technically a more powerful car, it may be grouped with smaller engine cars such as the Corolla.

coffeepls

bear1 wrote: »

Funny enough Axa seems to be loading 200e odd on all policies from what I'm seeing.

I mentioned my insurance earlier - I went with AIG for €405
- but - getting to what you're saying there, my last year was with AXA through AA broker, and when I saw my renewal was 601, I decided to shop about a bit. All the quotes (it's for women, Zurich, AIG) were coming back with 450ish, so I rang AA and said that I couldn't understand how they were offering me a renewal of 601. Immediately the guy on the phone was able to knock over 150 off that - I wanted to know how he was able to give such a cut. He told me that it was more or less standard for AXA to shove an extra 100 on renewals, and the rest was discounts that AA could throw in.

At the end of the day they couldn't match the AIG quote, but I still couldn't get over how I could've been totally fleeced if I'd let the insurance 'rollover' as I'm sure quite a lot of people do.

blackbird 49

Gender F
Location Louth
Age 48
Car 10 Grand Scenic 1.5 Diesel
Licence Full
NCD Full
Cover Fully Comp/ driving other cars/ Oh named driver
Price E347 Aviva

bear1

Funny enough Axa seems to be loading 200e odd on all policies from what I'm seeing.
My mother has had hers go up by 200e on a 05 Almera.
Joke.

Seesee

Gender: F

Age: 43

Car: Volvo S40 1.8 2001 value 3K (if only!)

NCD: Full

Licence: Full 17 years, no points

Cover: Fully comp, NCD Stepback, OH with own car as named driver. Also have Home Insurance with them.

Last years premium: €341 AA (AXA)

Renewal quote: €550 - AA (AXA)

So nothing has changed on the policy at all but it's increased by more than €200. I will be ringing them on Monday and shopping around.

neilthefunkeone

Age: 30

Car: 2004 Nissan 350z

NCD: 8

Licence: Full 10 years

Cover: comp

Current quote: €700. 123.ie. Dreading next year as I feel I got lucky with that price!!

Foxhole Norman

Business Cat wrote: »

Id imagine an age loading for the vehicle now been 15 years old is whats driving it up.

Is it not a bit silly though that the Mercedes was the same year along with being a 2.2 yet a 1.9 Corolla is more expensive?

Liam McPoyle

Voodoomelon wrote: »

Sorry to quote a quote, but that's well harsh. A joke is right.

Id imagine an age loading for the vehicle now been 15 years old is whats driving it up.

Voodoomelon

fancy pigeon wrote: »

Gender: Male

Age: 25

Location: Meath

Car: 2000 Toyota Corolla 1.9d

Licence: Full, 8 years

NCD: 7+

Cover: TPFT

Previous year: €850 AXA (on a Mercedes C220cdi, also 2000)

Price: €1100 AXA

Sorry to quote a quote, but that's well harsh. A joke is right.

Pov06

Gender: M
County: Dublin
Age: 20
Car: 2008 Ford Focus 1.8 TDCI
NCD: 1 year
Licence: Full, less than 1 year
Cover: TPFT
Renewal: €1836 AIG through First Ireland

Robbing b*stards. I paid less with my provisional :pac:

draiochtanois

This post has been deleted.

guerito

dr.fuzzenstein wrote: »

But only if you have a proper "Ebeneezer Scrooge" writing desk, half moon spectacles and fingerless mittens.

In fairness they're all gagging for your business. Like a gobsh*te I put my real phone numbers in when getting the online quotes, they were all straight on to me, some even before I'd finished getting a quote from the next crowd. I think I'll be having a chat to them all via my telephone machine when I do the renewal.

dr.fuzzenstein

Special Circumstances wrote: »

I find modern electronic communications very impersonal. I'm preparing a masterpiece of quill and ink penmanship as we speak, confident that this personal touch will guarantee the "Mary the 42year old Yaris driving accountan" rate.

But only if you have a proper "Ebeneezer Scrooge" writing desk, half moon spectacles and fingerless mittens.

Special Circumstances

donkeyoaty0099 wrote: »

Just a note lads and lasses. Was sorting insurance renewal with the AA, online price 912 TPFT no no claims protection. 15 minute phone call later and have a fully comp policy, full no claims protection for 808 euro. The TPFT policy was 703. Ring them would be my advice, don't just use the internetz.

I find modern electronic communications very impersonal. I'm preparing a masterpiece of quill and ink penmanship as we speak, confident that this personal touch will guarantee the "Mary the 42year old Yaris driving accountan" rate.

zl1whqvjs75cdy

Just a note lads and lasses. Was sorting insurance renewal with the AA, online price 912 TPFT no no claims protection. 15 minute phone call later and have a fully comp policy, full no claims protection for 808 euro. The TPFT policy was 703. Ring them would be my advice, don't just use the internetz.