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Car insurance for >15 year old cars

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Comments

  • #572
    Truckermal
    Registered Users Posts: 6,048 ✭✭✭Truckermal


    My car is 13 years old and a 3.0l AA tried to double my premium to 900 euro on the basis of age mostly and engine size. I said grand I'm buying a new car anyway so gave her the details of a 141 1.0l Yaris. She came back with a quote of 800 euro!

    She spoke to a manager after I tore strips of her and I ended up paying 420 euro with 6 months free AA membership for the apparent computer error....


  • #573
    NewbridgeIR
    Registered Users Posts: 3,712 ✭✭✭NewbridgeIR


    Rang CoverInAClick and asked them for a fully comprehensive quote on my 1999 Corolla with my wife as a named driver.
    Quoted €545 (via Axa)

    I haven't got my renewal quote from Allianz yet [normally comes a few days before Christmas] but last year I paid €750.


  • #574
    Markcheese
    Registered Users Posts: 8,428 ✭✭✭Markcheese


    NewbridgeIR wrote: »
    Rang CoverInAClick and asked them for a fully comprehensive quote on my 1999 Corolla with my wife as a named driver.
    Quoted €545 (via Axa)

    I haven't got my renewal quote from Allianz yet [normally comes a few days before Christmas] but last year I paid €750.

    Cover has come down Considerably this year, mine came down by almost 300 euro as well.. (through a broker, patronas,and quedos who've just decided to go bust.. But apparently I'm still covered so hey...)

    Slava ukraini 🇺🇦



  • #575
    Surreptitious
    Registered Users Posts: 8,130 ✭✭✭Surreptitious


    NewbridgeIR wrote: »
    Rang CoverInAClick and asked them for a fully comprehensive quote on my 1999 Corolla with my wife as a named driver.
    Quoted €545 (via Axa)

    I haven't got my renewal quote from Allianz yet [normally comes a few days before Christmas] but last year I paid €750.

    545 is reasonable.


  • #576
    Leonard Hofstadter
    Registered Users Posts: 5,540 ✭✭✭Leonard Hofstadter


    I just insured my 2003 325Ci for €715, fully comprehensive with RSA (thanks to my broker). Have my parents on it as named drivers as well.

    I'm only 30 but I have six years NCB.

    For a car that's about to be 16 years old and has a 2.5 litre engine, that's amazing! For reference, I paid €2295 this time last year for the same car with KennCo (also via a broker)!


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  • #577
    galwaytt
    Registered Users Posts: 12,755 ✭✭✭✭galwaytt


    Surreptitious wrote: »
    545 is reasonable.

    In a universe where a 99 Corolla is worth a fortune, maybe. Meanwhile in the real world that really shouldn't be costing more than about €300.

    Ode To The Motorist

    “And my existence, while grotesque and incomprehensible to you, generates funds to the exchequer. You don't want to acknowledge that as truth because, deep down in places you don't talk about at the Green Party, you want me on that road, you need me on that road. We use words like freedom, enjoyment, sport and community. We use these words as the backbone of a life spent instilling those values in our families and loved ones. You use them as a punch line. I have neither the time nor the inclination to explain myself to a man who rises and sleeps under the tax revenue and the very freedom to spend it that I provide, and then questions the manner in which I provide it. I would rather you just said "thank you" and went on your way. Otherwise I suggest you pick up a bus pass and get the ********* ********* off the road” 



  • #578
    Kiwi John
    Registered Users Posts: 75 ✭✭Kiwi John


    Time to look at the system in Australia and NZ where 3rd party is covered in your car tax.


  • #579
    Eggs For Dinner
    Registered Users Posts: 2,934 ✭✭✭Eggs For Dinner


    Kiwi John wrote: »
    Time to look at the system in Australia and NZ where 3rd party is covered in your car tax.

    For the sake of conversation, what sort of figure would you consider acceptable to add to the existing motor tax rates? Bear in mind that it needs to cover the level of awards and legal costs that citizens are entitled to under current legislation.


  • #580
    tuxy
    Closed Accounts Posts: 14,983 ✭✭✭✭tuxy


    Eggs For Dinner wrote: »
    For the sake of conversation, what sort of figure would you consider acceptable to add to the existing motor tax rates? Bear in mind that it needs to cover the level of awards and legal costs that citizens are entitled to under current legislation.

    Maybe he was hoping they would reduce tax to make it on par with those countries while also adopting there system :)


  • #581
    tuxy
    Closed Accounts Posts: 14,983 ✭✭✭✭tuxy


    galwaytt wrote: »
    In a universe where a 99 Corolla is worth a fortune, maybe. Meanwhile in the real world that really shouldn't be costing more than about €300.

    In the real world payout for injuries is Ireland is massive, the cost of the car doesn't really come in to the cost of liability.


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  • #582
    Eggs For Dinner
    Registered Users Posts: 2,934 ✭✭✭Eggs For Dinner


    tuxy wrote: »
    Maybe he was hoping they would reduce tax to make it on par with those countries while also adopting there system :)

    That would work for me


  • #583
    galwaytt
    Registered Users Posts: 12,755 ✭✭✭✭galwaytt


    tuxy wrote: »
    In the real world payout for injuries is Ireland is massive, the cost of the car doesn't really come in to the cost of liability.

    Whilst you're correct, that doesn't tally with peoples experience with quotes. If it was, we wouldn't have people 'having' to start driving 1.0 econoboxes, when a 1.4/1.6L variant (of the same car) would likely be available, better - and probably cheaper to buy in the first place.

    Ode To The Motorist

    “And my existence, while grotesque and incomprehensible to you, generates funds to the exchequer. You don't want to acknowledge that as truth because, deep down in places you don't talk about at the Green Party, you want me on that road, you need me on that road. We use words like freedom, enjoyment, sport and community. We use these words as the backbone of a life spent instilling those values in our families and loved ones. You use them as a punch line. I have neither the time nor the inclination to explain myself to a man who rises and sleeps under the tax revenue and the very freedom to spend it that I provide, and then questions the manner in which I provide it. I would rather you just said "thank you" and went on your way. Otherwise I suggest you pick up a bus pass and get the ********* ********* off the road” 



  • #584
    tuxy
    Closed Accounts Posts: 14,983 ✭✭✭✭tuxy


    The < 1000cc cars hold their value because of cheaper tax and insurance. They don't start out more expensive than cars with larger engines when bought new from the dealer.


  • #585
    SCOOP 64
    Registered Users Posts: 5,206 ✭✭✭SCOOP 64


    Wifes 98 Astra 1.4, bank of Ireland RSA up from €378 last year to €444 this year, whats "This premium includes a minimum time on risk charge of €65"?


  • #586
    tuxy
    Closed Accounts Posts: 14,983 ✭✭✭✭tuxy


    SCOOP 64 wrote: »
    Wifes 98 Astra 1.4, bank of Ireland RSA up from €378 last year to €444 this year, whats "This premium includes a minimum time on risk charge of €65"?

    It just means they will charge you €65 if you cancel early.


  • #587
    LemmyKilmister
    Registered Users Posts: 36 ✭LemmyKilmister


    Markcheese wrote: »
    Cover has come down Considerably this year, mine came down by almost 300 euro as well.. (through a broker, patronas,and quedos who've just decided to go bust.. But apparently I'm still covered so hey...)

    Do you have a contact person at Patrona? You are talking about Patrona Underwriting, correct?


  • #588
    LemmyKilmister
    Registered Users Posts: 36 ✭LemmyKilmister


    Leonard Hofstadter wrote: »
    I just insured my 2003 325Ci for €715, fully comprehensive with RSA (thanks to my broker). Have my parents on it as named drivers as well.

    I'm only 30 but I have six years NCB.

    For a car that's about to be 16 years old and has a 2.5 litre engine, that's amazing! For reference, I paid €2295 this time last year for the same car with KennCo (also via a broker)!

    Can you please share with us the name of your broker?


  • #589
    derra
    Registered Users Posts: 2,102 ✭✭✭derra


    I have a 1995 car, i was with AA and my renewal quote was €1,285.

    I went straight to AXA directly and was quoted €730.

    I had my heart set on getting a different car and i have been checking different car registrations on various sites to get an idea of what i would be paying for an 08/09 and i am finding for the sake of what seems to be a saving of only a couple hundred i might as well be better sticking what i have for another year.

    Going through all the usual questions in the office to make sure all the information was correct, i asked him ''would it benefit me to putting a named driver on the policy?'' and he firmly said ''No''. I never had a named driver on my policy before and i was just happy with the quote difference which i didn't commit to yet.
    Should that be something i should ask about again regards bringing the premium down a bit more having a named driver on the policy and another thing or just take his word for it?

    Something else i noticed on the declaration is 'You do not hold an annual travel pass'. As a carer i do have a free travel pass, so again would that be something i should inquire about? I know i should be asking AXA these things, i just wanna hear if someone else had asked about these before and managed to get it down before going back to their branch.


  • #590
    NewbridgeIR
    Registered Users Posts: 3,712 ✭✭✭NewbridgeIR


    derra wrote: »

    Something else i noticed on the declaration is 'You do not hold an annual travel pass'. As a carer i do have a free travel pass, so again would that be something i should inquire about? I know i should be asking AXA these things, i just wanna hear if someone else had asked about these before and managed to get it down before going back to their branch.

    My insurance came down this year because I hold an annual taxsaver ticket. 20 year old car, got quotes from Axa and Allianz, both applied a discount.


  • #591
    derra
    Registered Users Posts: 2,102 ✭✭✭derra


    NewbridgeIR wrote: »
    My insurance came down this year because I hold an annual taxsaver ticket. 20 year old car, got quotes from Axa and Allianz, both applied a discount.

    I had done another quote online last night and it came in at €16 cheaper than it was when i got one in the AXA office on Friday.

    I rang today about adding an experienced named driver to the policy but he said unless it was a spouse/partner it not make any difference.

    I mentioned the pass i have but he seemed to say it was more of a benefit years ago.

    Last thing i asked was about the difference between the quotes online and in the office as online was supposed to be cheaper or something and not sure what his answer was there!

    Anyway, i ended up with another €83 off the original one i got on Friday in the office.

    Just kicking myself for not doing this before, i just renewed the last few years with AA because i was wasting my time ringing places trying to get a jap import quoted. Just over €500 in the difference between them!


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  • #592
    LemmyKilmister
    Registered Users Posts: 36 ✭LemmyKilmister


    Has any non nationals tried with Clements Insurance? They are offering motor insurance for expats again...


  • #593
    beertons
    Hosted Moderators Posts: 23,055 ✭✭✭✭beertons


    Only registered with me tonight. My car is 16 years old. I've owned it for about 15. I don't do much mileage. Would I be able to get vintage/classic insurance?


  • #594
    phester28
    Registered Users Posts: 453 ✭✭phester28


    probably but you would also most likely need a separate daily driver. Even if you were able to find insurance without the daily. You would loose your no claims after 2 years. ( the classic policy does not maintain your NCB)


  • #595
    BexieB
    Registered Users Posts: 19 ✭BexieB


    Classic car insurance policies in Ireland are based on you having another car as your everyday driver. As such they are a supplemental policy which do not in themselves attract a no - claims discount. First Ireland used to have a policy that insured classic cars as everyday drivers but discontinued it years ago. I’ve yet to find a company who offers such a product since


  • #596
    tuxy
    Closed Accounts Posts: 14,983 ✭✭✭✭tuxy


    I just got a quote for renewal of my insurance with Liberty
    6 years no claims
    1.3 1997 Toyota Starlet
    €925

    I check to see how much BOI would be to insure my dads car, a 2012 1.6 TDI Octavia and was quoted €450 online

    I called BOI but they won't take on new customers with cars over 16 years old
    I also tried Chill and even though they are a brokers they couldn't find anyone that would insure a car that old. They told me to call Libertry directly but that doesn't help since I already have a quote with them.

    Has anyone here taken out a new policy this year on an old car and few so who with?
    I just want a few companies I can call so I can see if the liberty quote for renewal is reasonable.


  • #597
    Esel
    Registered Users Posts: 22,002 ✭✭✭✭Esel


    If you call Liberty you may be able to negotiate a reduction.

    Not your ornery onager



  • #598
    physioman
    Registered Users Posts: 1,239 ✭✭✭physioman


    tuxy wrote: »
    I just got a quote for renewal of my insurance with Liberty
    6 years no claims
    1.3 1997 Toyota Starlet
    €925

    I check to see how much BOI would be to insure my dads car, a 2012 1.6 TDI Octavia and was quoted €450 online

    I called BOI but they won't take on new customers with cars over 16 years old
    I also tried Chill and even though they are a brokers they couldn't find anyone that would insure a car that old. They told me to call Libertry directly but that doesn't help since I already have a quote with them.

    Has anyone here taken out a new policy this year on an old car and few so who with?
    I just want a few companies I can call so I can see if the liberty quote for renewal is reasonable.

    Did you try Aviva. My 01 golf is insured with them


  • #599
    tuxy
    Closed Accounts Posts: 14,983 ✭✭✭✭tuxy


    No, I'll try them monday. Are you a new customer with them? Companies will usually renew but may not take on new customers with older cars.


  • #600
    physioman
    Registered Users Posts: 1,239 ✭✭✭physioman


    tuxy wrote: »
    No, I'll try them monday. Are you a new customer with them? Companies will usually renew but may not take on new customers with older cars.

    New customer


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  • #601
    vargoo
    Registered Users Posts: 737 ✭✭✭vargoo


    physioman wrote: »
    New customer

    Aviva is taking on old cars again!

    They're the ones that started all the boll*x with old cars!


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