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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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jimgoose

kev_Makaveli wrote: »

...Last year: €450 Mccarthy Insurance...

I was with McCarthy's for years, with RSA and Zurich going nuts every second year and the other competing for my custom. Until 2013, when they both went nuts and I would up moving to AXA.

kev_Makaveli

Gender. Male

Age. 35

Licence. 12 years. Full.

Car. 2010 Vauxhall Insignia 2.0 Diesel.

FNCB. 7 years.

Points. 0

Cover Required. Fully Comp

Last year: €450 Mccarthy Insurance

Renew Quote. €850!!!!!

Looked around and managed to get €483 from another broker.

boardsuser1

Special Circumstances wrote: »

Try Allianz. Complete @ssholes though, pray you don't need to deal with them beyond them taking your money.

+1

The 5 cheapest quotes have been Allianz but through brokers only,not directly. That is the only good thing about them.

Special Circumstances

Try Allianz. Complete @ssholes though, pray you don't need to deal with them beyond them taking your money.

Have you tried a quote pretending you still had the scooby, just for comparison? Be interesting to see.

ShadowHearth

Gender. Male

Age. 30

Licence. 12 years. Full.

Car. Alfa romeo Gt 1.9 diesel.

FNCB. 8 years.

Points. 0

Cover Required. Third party

Last year: 900eu on subaru Impreza wrx 05'

Renew Quote. Liberty €1660!!!!!

The bull**** train hit it hard and strong. I expected to be around grand, but not 1660eu. Looks like this year I will be lucky to get insurance for around 1k!!!

So went online and got few qoutes:
FBD - Feck off
AA - 2362eu
123.ie 839eu
Liberty 1500eu ( 1660eu renewal.... lol )
AXA 1509eu
aviva 1707eu
Britton 889eu
AIG - FECK OFF
chill: 1500eu

Any other places to ring or go online lads?

BabyBirch

BabyBirch wrote: »

I passed my test last year and was insured with 25plus for €660 fully comp. I was looking forward (!) to my quote this year as I had my first year as a licensed driver done and my first year's NCB.

Little did I know..

Gender: F

Age: 32

Car: 00 Fiat Punto 1.2

Licence: Full 1 year + 2 years named driver, no points or claims

Cover: Fully comp

Best quote: €1152, 25plus.ie

I have contacted 17 insurance companies and 3 brokers so far, no one can beat my (awful) renewal quote from 25plus.

Its4women, Aviva, Blue, FBD, Zurich, Allianz, AIG, 123 and Kennco wouldn't quote at all. The worst I got was €1833 from Liberty.

I'm waiting for a callback from BOI.. they're my last hope

BOI came through for me with a new lowest quote of €970 - don't think I'm going to do any better than that!

fando

Word of warning. Guys, check your direct debits every now and then.

I recently got car insurance with Bank of Ireland, and last week I realised that except for the direct debit they set up for my policy there is another unauthorised direct debit that Bank of Ireland is taking from my account. It comes out that I paid 2 instalments for someone else's policy (according to one of their representatives).

Three phone calls later and the issue still isn't resolved. Just cancelled that myself. They are totally incompetent, unable to to rectify their own mistake. Looks like the decent quote came at a price for me.

BabyBirch

I passed my test last year and was insured with 25plus for €660 fully comp. I was looking forward (!) to my quote this year as I had my first year as a licensed driver done and my first year's NCB.

Little did I know..

Gender: F

Age: 32

Car: 00 Fiat Punto 1.2

Licence: Full 1 year + 2 years named driver, no points or claims

Cover: Fully comp

Best quote: €1152, 25plus.ie

I have contacted 17 insurance companies and 3 brokers so far, no one can beat my (awful) renewal quote from 25plus.

Its4women, Aviva, Blue, FBD, Zurich, Allianz, AIG, 123 and Kennco wouldn't quote at all. The worst I got was €1833 from Liberty.

I'm waiting for a callback from BOI.. they're my last hope

Mint Sauce

rizzee wrote: »

that is ridiculous!

Not sure where people get cheap quotes from them, or why I always try them. Every quote I have got from them have been 2-3 times my current renewal.

rizzee

Mint Sauce wrote: »

Gender. Male

Age. 37

Licence. 6 Years IE.

Car. 1.4 Astra GTC 2006

FNCB. 5 years

Points. 0

Cover Required. Fully Comp

Current. Broker €455

Renew Quote. Liberty €1400

:eek: :eek:

If Broker renewal is near the 4 figure mark, may be going back to a 1.2 again.

that is ridiculous!

Mint Sauce

Gender. Male

Age. 37

Licence. 6 Years IE.

Car. 1.4 Astra GTC 2006

FNCB. 5 years

Points. 0

Cover Required. Fully Comp

Current. Broker €455

Renew Quote. Liberty €1400

:eek: :eek:

If Broker renewal is near the 4 figure mark, may be going back to a 1.2 again.

pawrick

My renewal with Allianze via a broker was coming in at 661.43, putting the gf on it as a named driver is bringing it down to 609.50.

So far most quotes seem to be around the 640 mark for me on my own. One odd one though was BOI who went up to around 1300 when i added my gf as a named driver using all the same info!

this is based on 6 years NCB, zero points but i only have 1 Year full licence on a 1.5 Qashqai

I was paying around 510 last year.

only quoting fully comp prices above

It doesnt look like I'll beat the renewal so far

boardsuser1

The cheapest i've now gotten through a broker is €740 with Allianz. Had 123.ie ringing yesterday asking do i want to go ahead with the €1340 quote. They were told where to go very quickly.

_Kaiser_

pogsick wrote: »

Allianz was my best qoute too until I got onto coverinaclick who got me a much better qoute underwritten by Allianz.....

Cheers.. filled in the online quote request there and it says someone will call me. We'll see.

brainiac

brainiac wrote: »

Gender: Male

Age: 22

Licence: 2 years on Full, 0 points

Car: 99 Toyota Yaris GS VVTi 998cc

Full NCB: 3 years

Cover: TPFT

Insurance: Asgard through Chill

Last year: 960 (900 the year before that with 1 NCB)

This year: 1640

Best quote I've gotten so far this morning is 1312.70 with BOI, horrendous increases... You expect your NCB to have a positive affect

Just to give an update on where I am at:

Renewal with Chill: Won't budge from ~1600

Axa: 1230 with no excess and glass protection

Bank of Ireland: 1312, 1050 if I open an account with them

Most other places have ranged from 1.5 - 2.5k. It's crazy really. Pretty sure I've rang everywhere at least twice at this stage.

Copper_pipe

pogsick wrote: »

Allianz was my best qoute too until I got onto coverinaclick who got me a much better qoute underwritten by Allianz.....

Heard good things about coverinaclick.

One of the lads passed his test last summer. Parents bought him a 2008 Golf 1.4 petrol and he got insured on his own for 1800.

EDIT: He's 20 now. Was 19 when policy started

pogsick

_Kaiser_ wrote: »

Currently with AIG through First Ireland and paying €609. This year they want €1146 :mad:

Best quote apparently works out at €906 with Allianz for the same fully comp, bonus protection, step-back, driving other cars extension, unlimited windscreen cover and rescue cover.

Disgusted so I am! Now I'll have to spend the rest of the week ringing Insurance companies

40 year old male, no points, full license, full no claims on a 05 Audi A6 3.0 TDI

Allianz was my best qoute too until I got onto coverinaclick who got me a much better qoute underwritten by Allianz.....

_Kaiser_

Currently with AIG through First Ireland and paying €609. This year they want €1146 :mad:

Best quote apparently works out at €906 with Allianz for the same fully comp, bonus protection, step-back, driving other cars extension, unlimited windscreen cover and rescue cover.

Disgusted so I am! Now I'll have to spend the rest of the week ringing Insurance companies

40 year old male, no points, full license, full no claims on a 05 Audi A6 3.0 TDI

MarkR

Last year's policy was 460. Renewal this year was 690 (aviva). 50% increase, no change in details

36 year old male, full licence and no claims for 10+ years.

Checked the website, and was able to get a quote from aviva for same details for 527 as a new customer.
Rang, they said that 627 was the best they could do. Told them i'd a cheaper quote from them, so keep it. Emailed to advise of cancellation of motor and future home insurance.

I have quotes for the below
2010 ford focus diesel

FBD 597.38
AA 584.26
123 831.85
Liberty 680
axa 815
aviva 691
Aviva call 527
britton 651
aig 1072

25plus wouldn't quote me for some reason.
There were higher quotes, but i fell off my chair and forgot to note them.

Vicxas

Rang around and got a quote of 880 from First Ireland Fully Comp.

Not bad considering One Direct wanted 1300 off me to renew.

Liam McPoyle

To Elland Back wrote: »

The biggest bonus I ever received in my 35 years in insurance was in the very early 5 figures. That was in a sales role in a brokerage that earned the Company 10% of every premium I brought in for a specific product. To earn that, you do the maths of what I had to bring in to get a share of that 10%.

An insurance brokerage is a sales and administration business, no different to many. The insurance Company was left with 90% of the premiums I brought in to pay claims and cover their costs. Insurance Companies are not paying anything near that level of bonus to it's general staff (if any bonus at all)

The company I work for are not paying bonuses this year, we didn't get one last year either.

Even the sales reps that hit all their targets in 2014 got around 5% bonus. In general a company will pay their top performers up to 10% but that's tied in with many different KPI's and like most bonus structures is dependent on company as well as individual performance.

Of course I'm not saying yer man didn't get a €24k bonus, anything is possible, but from my knowledge of the industry, pay scales and the number of people I know working in the industry, that level of bonus is fanciful at best, outright lying at worst, outside of the very top level decision makers.

To Elland Back

The biggest bonus I ever received in my 35 years in insurance was in the very early 5 figures. That was in a sales role in a brokerage that earned the Company 10% of every premium I brought in for a specific product. To earn that, you do the maths of what I had to bring in to get a share of that 10%.

An insurance brokerage is a sales and administration business, no different to many. The insurance Company was left with 90% of the premiums I brought in to pay claims and cover their costs. Insurance Companies are not paying anything near that level of bonus to it's general staff (if any bonus at all)

Liam McPoyle

KC161 wrote: »

A bonus of €500 a week? Jasus they must be struggling to make ends meet the poor devils.

Barring he on the top of the food chain ie a CEO/senior executive a bonus of €24k is Walter Mitty territory. Even on a decent basic of €50k per annum that's almost 50% of the salary, as a bonus.

I'd like to know who the company is that's paying 50% bonuses cos I'll send them my CV!

boardsuser1

666bxg wrote: »

A mate of mine in the insurance industry just received an annual bonus of €24k. Hardly sounds like the industry is in trouble.....

A bonus of €500 a week? Jasus they must be struggling to make ends meet the poor devils.

PaulKK

my3cents wrote: »

Is that €70 NCB protection added on before the ncb bonus is taken off or after?

Its added on after all other discounts.

666bxg

KC161 wrote: »

You're right there Ted :pac:

The insurance companies are blaming the legal fees and compo culture for it all. :mad:

The wife can sort the insurance because i'm sure as hell not paying the prices I've been quoted in my post from yesterday.

A mate of mine in the insurance industry just received an annual bonus of €24k. Hardly sounds like the industry is in trouble.....

my3cents

PaulKK wrote: »

Gender: M

Age: 29

Car: 2011 BMW 320d ed (163bhp)

NCD: full 8 years

Licence: Full 10 years, no points

Cover: Fully comp with full NCB protection

Best quote: €620 renewal from Post insurance
(70 of this is NCB protection)

Hoping to reduce this a little more as I have the house insurance with them too.

Last year was €510.

Is that €70 NCB protection added on before the ncb bonus is taken off or after?

PaulKK

Gender: M

Age: 29

Car: 2011 BMW 320d ed (163bhp)

NCD: full 8 years

Licence: Full 10 years, no points

Cover: Fully comp with full NCB protection

Best quote: €620 renewal from Post insurance
(70 of this is NCB protection)

Hoping to reduce this a little more as I have the house insurance with them too.

Last year was €510.

2smiggy

Gender: M

Age: 36

Car: 01 Honda Integra DC5 (220 hp)

NCD: Full

Licence: Full 10+ years, no points

Cover: Third Party Fire + Theft , windscreen cover

Best quote: €500 Liberty

PMBC

Male, +60, Saab 2 litre TDi 2004, ncd +7 years, retired, licence +40 years, Dublin, roadside parking.
Axa reinsurance quote E450 12/15 for Comprehensive with some benefits.
Reduced with no argument to E300 when I phoned - same as 12/14.
Have been with them continuously since 1995 and 1975- 1993.
Must be doing something right for a change.
Replaced Saab with 2014, 1.2 litre Hyundai, worth 10 k, in February. COST REDUCED TO E200