Car insurance - tell us your quotes/renewals

Liam McPoyle · 02-11-2015 8:03pm

dr.fuzzenstein wrote: »

(reply explaining how everything with insurance companies is absolutely fine and completely random and nonsensical quotes make total sense, but only if you know every single one of the 3.75 million criteria such as star sign, how many pieces of lint in your belly button, the exact angle of the Earth's axis on the day of your 14th birthday, the exact thickness of the primer inside your fuel filler cap cover in micrometers and, as a laugh, how many year's no claims bonus you have) :pac:

Tbf, all details for both Audi drivers above have not been provided. Location, occupation, named drivers, open driving etc.

Living in a border county like Louth or Monaghan for example carries a heavy loading with most insurers.

They may well be a carbon copy of each other of course but if I've learned anything from the insurance industry its that you cannot always take everything at face value.

dr.fuzzenstein · 02-11-2015 8:12pm

Business Cat wrote: »

Tbf, all details for both Audi drivers above have not been provided. Location, occupation, named drivers, open driving etc.

Living in a border county like Louth or Monaghan for example carries a heavy loading with most insurers.

They may well be a carbon copy of each other of course but if I've learned anything from the insurance industry its that you cannot always take everything at face value.

If one of them had a secure garage in the middle of nowhere and the other lived in Jobstown, it would make sense.

Cortina_MK_IV · 02-11-2015 8:15pm

Business Cat wrote: »

<snip>Living in a border county like Louth or Monaghan for example carries a heavy loading with most insurers.

Why so? (I've a feeling I know)... I wonder will I ever meet their criteria but I feel if I do I'd better move to Wexford and drive the smallest engine VW Polo I can get but then they'd probably load me for being over 50.

fancy pigeon · 02-11-2015 8:19pm

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

Utterly disappointed. I could understand the increase if going from the humpy Corolla to the C220. A joke really

Renewal came. Same car, same driver.

€1400

F*cking €1400 for a car that wouldn't run out of your way? Thats quite safe? Thats driven normally and not like knobends in their tarted up sh*tboxes?

Im getting priced out and for what and for who? Some dickheads that claim all f*cking round them and gobsh*tes like me have to cough up?

Kiss my bollox. Anyone whom thinks they can justify my insurance hike can go f*ck themselves. This horsesh*t is unacceptable. Why the f*ck should I be priced out for driving normally?

Needless to say ive looked for insurance elsewhere

Pissed off pigeon is Pissed off

Zith · 03-11-2015 3:33pm

Things have taken a turn for the worse with this year's renewal. Now looking at €790. Best I could get was through AA again, Allianz this time. All other quotes were 830 plus. This still includes AA membership, would have been 765 without so I said may as well have it for 25 extra.

Zith wrote: »

Age: 41
Car type: 09 Audi A6 3.0TDI quattro 236 BHP
Years driving: 18
Points: 3
Claims: None
Price and provider: €450 via AA with Axa. Fully comp, no claims protection, driving of other cars, wife named driver. Includes AA membership which reduced it by more than the cost of membership!

chriity139 · 03-11-2015 4:14pm

Age: 26
Car Type: Bmw 535d m sport lci
Years Driving: 9 years (7 years ncb in own name)
Claims: None
Points: None
Price and Provider. 1100 with liberty

GvidoR · 03-11-2015 5:43pm

Age: 20
Car: 2001 Fiat Punto 1.2 8v 5 speed manual
NCB: 2 years on own name
Claims: 0
Points: 0
Cover: Third party only
Provider: AXA (through coverinaclick)
Price: €1085

Pops_20 · 03-11-2015 8:44pm

Age: 23
Car: 1999 Toyota Starlet Glanza Turbo
NCB: 3 years policy in own name
Claims: 0
Points: 3
Cover: Fully Comprehensive
Provider: Liberty Insurance
Price: €660

quadrifoglio verde · 03-11-2015 9:49pm

Pops_20 wrote: »

Age: 23
Car: 1999 Toyota Starlet Glanza Turbo
NCB: 3 years policy in own name
Claims: 0
Points: 3
Cover: Fully Comprehensive
Provider: Liberty Insurance
Price: €660

If the car is declared as a turbo that's quite reasonable

GvidoR · 03-11-2015 9:54pm

quadrifoglio verde wrote: »

If the car is declared as a turbo that's quite reasonable

That's actually very good if it is.

Pops_20 · 03-11-2015 10:31pm

quadrifoglio verde wrote: »

If the car is declared as a turbo that's quite reasonable

Car is declared as turbo and import on the insurance, but Non-turbo on the log book. I was very surprised myself as the quote last year was €1800 TPFT, wouldn't even quote Fully comp.

YbFocus · 03-11-2015 10:43pm

I won't do any giving out about mine, it won't get much cheaper I reckon

Age: 26
Car: 1999 BMW e36 323i
NCB: 8 years policy in own name
Claims: 0
Points: 0
Cover: TPFT
Provider: AXA
Price: €560

chriity139 · 04-11-2015 4:05pm

quadrifoglio verde wrote: »

If the car is declared as a turbo that's quite reasonable

Glanza v and starlet gt's are not that bad on insurance even when declared as a turbo.

I moved from a 1.4 civic to a starlet gt (declared as turbo) my insurance went down a few hundred. Thought I was going to get buggered by my insurance

The tax man · 05-11-2015 12:53pm

Gender: M

Age: 43

Car: 2015 Skoda Superb combi 2.0Tdi (140bhp)

NCB: 10+

Licence: Full 10+ years, no points

Cover: Fully comp, step back protection,Motor rescue,windscreen+ windows.

Last year's premium: €350 with Wright way through a broker.
(2006 Subaru Forester 2.0)

Renewal with existing insurer: €458

Best new price: €424 with Footprint through same broker.

H3llR4iser · 05-11-2015 5:15pm

Recently renewed my policy:

Age: 35;
Years driving: 17;
Car: '06 Alfa 159 1.9 JTS;
NCB: 3 years own name;
Claims: 0 (had no car for 3 years before, old NCB from Italy had expired);
Points: 0;
Cover: TPFT;
Provider: Allianz through AA;
Price: quoted 835, then updated to 700;

Last year I paid 540 for the very same car...all in all, considering the increases some people got, not too bad. Still, looking at the prices posted here, they do seem very, very random to me...

DakarVert · 11-11-2015 5:11pm

Thought I'd give this a cheeky bump, Didn't want to start a new Insurance thread as they seen to be everywhere at the moment.

Any other 20/21/22 having difficulty with insurance renewal at the moment?

Age: 21
Years driving: 3
Car: '00 VW Golf 1.4
NCB: 2 years own name. (1 year named)
Claims: 0
Points: 0;
Cover: TPFT
Provider:
Price: Last years premium was €904, Renewal €1320.

Getting quotes ranging from €1320 to €4100 and everything in between.

jordanfaf · 11-11-2015 11:37pm

DakarVert wrote: »

Thought I'd give this a cheeky bump, Didn't want to start a new Insurance thread as they seen to be everywhere at the moment.

Any other 20/21/22 having difficulty with insurance renewal at the moment?

Age: 21
Years driving: 3
Car: '00 VW Golf 1.4
NCB: 2 years own name. (1 year named)
Claims: 0
Points: 0;
Cover: TPFT
Provider:
Price: Last years premium was €904, Renewal €1320.

Getting quotes ranging from €1320 to €4100 and everything in between.

Insurance seems to make no sense. My brother is 21 aswell, has previously been insured on a 1.4tsi scirocco, 325i E92 bmw and is now at 21, insured on a 335i for 1200 euro

cruhoortwunk · 23-11-2015 9:01pm

Age: 34
Years driving: 10
Car: '07 Honda Civic 1.8 SES
NCB: 9 years
Claims: 0
Points: 0
Cover: Fully comp
Provider: Chill
That's the missus, and I'm named driver on provisional for 8 years

Price: Last years premium was €547 with AIG via Chill, Quoted €741 for renewal, haggled them down to €620 with a false competitors bid from First Ireland!

Gavman84 · 23-11-2015 9:11pm

123 wanted 700 rang them today not dropping a cent they said. Swiftly told to jog on and got it with one direct for 560. Around same as last year so it's not too bad.

Supergurrier · 23-11-2015 9:15pm

685e p/a
Full comp all extras
8yrs ncb
32
2004 S4

smash · 23-11-2015 9:17pm

jordanfaf wrote: »

Insurance seems to make no sense. My brother is 21 aswell, has previously been insured on a 1.4tsi scirocco, 325i E92 bmw and is now at 21, insured on a 335i for 1200 euro

21 years old and insured on a 335i for €1,200? Sounds like someone in the insurance company fcuked up that quote if I'm honest. He's very lucky.

Foxhole Norman · 23-11-2015 9:20pm

smash wrote: »

21 years old and insured on a 335i for €1,200? Sounds like someone in the insurance company fcuked up that quote if I'm honest. He's very lucky.

While not the same I'm paying €1250 for a 525i at 21 with Aviva, I bet he's with the same crowd.

Owryan · 23-11-2015 9:22pm

Age: 40
Years driving: 5
Car: '07 Ford Focus 1.4 lx
NCB: 5
Claims: 0
Points: 0
Cover: Fully comp
Provider: Axa

Recently renewed for €434. went up by €6 from last year

Eric Cartman · 23-11-2015 9:25pm

Age: 25
Years driving: 7
Car: 2010 D-Max 3.0 Diesel / 1999 E38 735i
NCB: 6 (mirrored)
Claims: 0
Points: 0
Cover: Fully comp
Provider: Broker, underwritten by kennco & aviva respectively
Price : 690 euro / 840 euro.

smash · 23-11-2015 9:29pm

Foxhole Norman wrote: »

While not the same I'm paying €1250 for a 525i at 21 with Aviva, I bet he's with the same crowd.

And yet I just tried to get a quote for this car with aviva and they wont quote me. Mid 30s full NCB etc

Supergurrier · 23-11-2015 9:31pm

smash wrote: »

And yet I just tried to get a quote for this car with aviva and they wont quote me. Mid 30s full NCB etc

Try FBD/No Nonsense, that's same insurance group as my car.

There is also a similar one with a quaife lsd for sale on bmwhaus for much much less money

smash · 23-11-2015 9:33pm

Supergurrier wrote: »

Try FBD/No Nonsense, that's same insurance group as my car.

There is also a similar one with a quaife lsd for sale on bmwhaus for much much less money

I'm driving a 645ci. I don't want a 335, I'm just pointing out that the young lad with the 335 is lucky to even get a quote let alone insurance for €1200.

Recurve360 · 23-11-2015 9:34pm

Age: 27
Car Type: Passat B6 1.9 TDI 105BHP
Years Driving: 9 years in my own name
Claims: None
Points: None
Price and Provider. 430 with Liberty fully comp including windscreen and step back

Joeseph Balls · 23-11-2015 9:37pm

Age: 28
Car: 03 Vw Bora 1.9 tdi 110bhp
Years: 10
Claims: no and no points
Price: 950e

Casati · 23-11-2015 10:28pm

Skoda Superb 170bhp 2015
38 yr old / full NCB / No points
Paid 490 in 2014, best quote indirect is 550

Majority of insurers are 700/800+

Car insurance - tell us your quotes/renewals

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