Car insurance - tell us your quotes/renewals

Cortina_MK_IV · 14-01-2016 6:16pm

@sporina: I went with FBD last year but 25plus (xtra) ran them close. I think I've said before I'm looking for a deal this year on house and car and if FBD don't play ball I'll be off to 25plus.

Edit: Just checked back and 123.ie wanted €968.20 for comp. €546 with FBD.

evo2000 · 14-01-2016 6:28pm

Gender: M

Age: 26

Car: 01 Ford focus Ghia 1.6

NCD: Full

Licence: Full 5 years, no points

Cover: Fully comp

Best quote: 1250 up from 700

Am i doing the whole no claims bonus thing wrong or something? every year i get another year no claims.. the price goes up am i having crashes i dont know about or something lol

rocky · 14-01-2016 6:47pm

2005 530i, 6 NCB, '96 EU licence exchanged for Irish in 2011 (although NDLS fcked up and put down 2006 instead of 1996) , 2 points, male 38 years old.

520 last year TPFT with AIG through quoteline/quoteme.
Renewal quoteline with Chartis (?) 1200

got it for 460 through One direct / post insurance with AIG again with all extras, wife added too.

AIG direct was 516; AIG in general seems to be the lowest for me.

sporina · 14-01-2016 7:03pm

Cortina_MK_IV wrote: »

@sporina: I went with FBD last year but 25plus (xtra) ran them close. I think I've said before I'm looking for a deal this year on house and car and if FBD don't play ball I'll be off to 25plus.

Edit: Just checked back and 123.ie wanted €968.20 for comp. €546 with FBD.

i have not tried FBD or 123.. i guess FBD could be a worth a go but i think i got a quote from them last yr and they were more €€ than others

zurbfoundation · 14-01-2016 9:20pm

This new thing of some companies not insuring cars over 15 years old, is this a policy in other countries do we know?

q85dw7osi4lebg · 14-01-2016 9:29pm

Gender: M

Age: 26

Car: 2004 Honda S2000

NCD: 4 years

Licence: 5 years, 1 point

Cover: Fully comp, protected

Best quote: €1357 with Aviva through a broker.

Due for renewal in April, not excited.

evo2000 · 14-01-2016 9:35pm

sporina wrote: »

i have not tried FBD or 123.. i guess FBD could be a worth a go but i think i got a quote from them last yr and they were more €€ than others

FBD gave me a qoute of 610 was delighted went to get it then on the website and bam " we cant offer you a qoute at this time" gas altogether!

zl1whqvjs75cdy · 14-01-2016 9:53pm

Heard on the news today we can expect 25 % increases again this year. Its getting ridiculous.

dr.fuzzenstein · 14-01-2016 10:49pm

donkeyoaty0099 wrote: »

Heard on the news today we can expect 25 % increases again this year. Its getting ridiculous.

Kinda gels with my theory that the insurance companies can't get any traction with the government re the compo culture and have basically said "right, we're sticking it to you till you blink".
The last time they did that we got the compo board and ads about Joe's brass neck. Let's see what will happen now, considering the legal profession will never in a million years concede an inch, because they got a great racket going. It's at the expense of the entire country, but who cares when you're raking it in.

dobbs2210 · 15-01-2016 12:00am

Driving since I was 17 as a fully comp. On a full Irish licence. Never had an accident or claim until April 2015 where I crashed my car in a single car accident, moumted a bend and upturned.

Basically my premium went from just under €600 per year to just shy of €2000 with Alliance.

Is this normal that I get absolutely screwed to the hilt. I'm now 29 years of age.

Berserker · 15-01-2016 12:07am

dobbs2210 wrote: »

Is this normal that I get absolutely screwed to the hilt. I'm now 29 years of age.

Yes, it is normal and you are going to face hefty premiums until your build up your NCD again.

Liam McPoyle · 15-01-2016 12:26am

dobbs2210 wrote: »

Driving since I was 17 as a fully comp. On a full Irish licence. Never had an accident or claim until April 2015 where I crashed my car in a single car accident, moumted a bend and upturned.

Basically my premium went from just under €600 per year to just shy of €2000 with Alliance.

Is this normal that I get absolutely screwed to the hilt. I'm now 29 years of age.

You made a claim so is it not reasonable to think that the company will increase your premium?

Did you lose your full bonus?

dobbs2210 · 15-01-2016 12:41am

I knew the premium would increase I've got no problem with that whatsoever. But from €600 to €2000 for one year....? lost my ncb.

evo2000 · 15-01-2016 9:06am

dobbs2210 wrote: »

I knew the premium would increase I've got no problem with that whatsoever. But from €600 to €2000 for one year....? lost my ncb.

ur def gonna get shafted for a quote when people with NCB are.. insurance is just mental these days.

Liam McPoyle · 15-01-2016 9:08am

dobbs2210 wrote: »

I knew the premium would increase I've got no problem with that whatsoever. But from €600 to €2000 for one year....? lost my ncb.

Had you a full bonus?

If so that's a minimum 50% increase garaunteed, coupled with general increases and the fact there is potentially a claims load applied aswell.

There are folk on here getting 100%+ premium increases with a full bonus and that have no claims, at least your increase is justifiable.

Toyotafanboi · 15-01-2016 11:15am

Business Cat wrote: »

Had you a full bonus?

If so that's a minimum 50% increase garaunteed, coupled with general increases and the fact there is potentially a claims load applied aswell.

There are folk on here getting 100%+ premium increases with a full bonus and that have no claims, at least your increase is justifiable.

can i ask is bonus protection not a scam anyway, genuinely? i never opt for it because i assumed it was.

like i have 8 years NCB this year, say i had stepback bonus protection and i write off my car this year and claim for it, claim settled before next renewal. if i go to a different insurer next year and tell them i have 7 years NCB but i had an accident last year, my premium will go through the roof anyway, so what's the point?

kerten · 15-01-2016 11:52am

Toyotafanboi wrote: »

can i ask is bonus protection not a scam anyway, genuinely? i never opt for it because i assumed it was.

like i have 8 years NCB this year, say i had stepback bonus protection and i write off my car this year and claim for it, claim settled before next renewal. if i go to a different insurer next year and tell them i have 7 years NCB but i had an accident last year, my premium will go through the roof anyway, so what's the point?

I always opt in for full protection. My understanding is NCB protection aims to protect your discount percentage not cost of insurance.

Your premium is calculated based on your car, age, location, license type, claim history, points, etc.

If you have a claim, your premium is going to be loaded depending on cost of claim. Then your NCB discount is going to be applied.

So hoping to pay same after a claim because of NCB protection is naive but it reduces the damage.

Toyotafanboi · 15-01-2016 12:04pm

kerten wrote: »

I always opt in for full protection. My understanding is NCB protection aims to protect your discount percentage not cost of insurance.

Your premium is calculated based on your car, age, location, license type, claim history, points, etc.

If you have a claim, your premium is going to be loaded depending on cost of claim. Then your NCB discount is going to be applied.

So hoping to pay same after a claim because of NCB protection is naive but it reduces the damage.

well that's the whole thing. it offers you €x amount of discount from a number that they havn't told you yet. so clearly they are going to create a non discount amount to screw you to the value they want anyway.

like i'd be interested to see the difference in a premium between myself with:
- 8 years NCB
- 7 years NCB through stepback protection and a claim last year
- 0 years NCB and a claim last year

i'd imagine the latter two would be very similar.

is it also the case that NCB protection isn't always transferable between companies?

kerten · 15-01-2016 12:14pm

Toyotafanboi wrote: »

well that's the whole thing. it offers you €x amount of discount from a number that they havn't told you yet. so clearly they are going to create a non discount amount to screw you to the value they want anyway.

like i'd be interested to see the difference in a premium between myself with:
- 8 years NCB
- 7 years NCB through stepback protection and a claim last year
- 0 years NCB and a claim last year

i'd imagine the latter two would be very similar.

is it also the case that NCB protection isn't always transferable between companies?

You are right about potential scenario of loading the premium too much after a claim. But in this case you lose 20-30 euro. If they don't do it, you will save more than that. And you are free to buy your insurance from another insurer with reduced NCB if it is cheaper than your own insurer.

My friend claimed 2k for repair of a car worth 3k with no third party involved. He had NCB protection and his premium stayed same during renewal. I guess cost of claim is more important parameter in such scenarios.

NCB protection is not expensive for what it is IMHO. Not sure about transferrability of protected NCB though . Probably depends on the insurer's own policy.

Liam McPoyle · 15-01-2016 12:14pm

The step back doesnt start at the amount you years you have above 5.

Eg, if you have a 5 year bonus and claim with step back you will usually go back to either a 2 or 3 year bonus.

You could have a 20 year NCB and claim with step back and you would go back to the 2 or 3 years.

Toyotafanboi · 15-01-2016 12:22pm

Business Cat wrote: »

The step back doesnt start at the amount you years you have above 5.

Eg, if you have a 5 year bonus and claim with step back you will usually go back to either a 2 or 3 year bonus.

You could have a 20 year NCB and claim with step back and you would go back to the 2 or 3 years.

thanks. so a bit of a waste then?

can i ask, if you know. is 2 years bonus via the use of stepback protection and a recent claim likely to generate essentially the same premium as zero no claims bonus and a recent claim?

DriveSkill · 15-01-2016 12:47pm

Gender: M + F (with her own car + ins)

Age: Mid 40s

Car: 2011 BMW 520

NCD: Full (9+ years)

Licence: both full 10+ years. 3 points for F.

Cover: Fully comp, protected

Best quote: €497 with Liberty (renewal)

All other quotes so far seem to be €600+ so think we will be staying where we are. Certainly not as bad as lots of other quotes here but still an increase of about 100 over last year so 25%!!

ION08 · 15-01-2016 1:14pm

My insurance expires 2 of March 2016, how soon does the renewal letter normally come through?

I'm with currently with AVIVA paying €702 for me and the missus.

This was by far the most reasonable quote we were able to get last year so I'm preparing myself for for a shock this year based on what I've read here..

flyingsnail · 15-01-2016 1:18pm

ION08 wrote: »

My insurance expires 2 of March 2016, how soon does the renewal letter normally come through?

Normally 4 weeks before renewal, most places wont quote unless your renewal is in the next 28 days.

kodirl · 15-01-2016 2:24pm

Gender: M

Age: 28

Car: 2016 VW Golf GTI Performance Pack

NCD: 4 years

Full Licence: 9 years

Cover: Fully comp, protected

Best quote: €780 with Aviva

Graces7 · 15-01-2016 2:41pm

ION08 wrote: »

My insurance expires 2 of March 2016, how soon does the renewal letter normally come through?

I'm with currently with AVIVA paying €702 for me and the missus.

This was by far the most reasonable quote we were able to get last year so I'm preparing myself for for a shock this year based on what I've read here..

Gulp! I am in the same situation with Aviva ... end of Feb. Dreading it with a 00 car but they said in public that they would not refuse to renew with existing customers. So far my only quotation of about 8 asked for is around E700 from AIB.

privateBeavis · 15-01-2016 3:03pm

Gender: M

Age: 38

Car: 2010 Skoda Octavia Vrs Diesel

NCD: 1 years (the missus had a tip!)

Full Licence: 17 years

Cover: Fully comp

Best quote (of 2 :-)): ~€1400 with An Post - underwritten by Aviva. Just renewed but without NCB didn't really shop around, tested with 123.ie and got €2500. (was about 1800 last year after loosing NCB which could have been worse!)

I never had claims protection but might get it once I build back up NCB.

One thing about the no claims does that not really lock you into that company or are they generally transferable.
I guessing not. e.g. I had to claim few years ago for new locks after car was stolen and got it back. Policy had the option to pay out for locks without loosing NCB, but you do loose your actually NCB cos it went back to 0 yrs the next year even though yes they still gave the the full 50% discount. So in effect I was stuck with them until I built back up the 5 yrs again!

ofcork · 15-01-2016 3:26pm

My insurance has jumped from 337 last year to 507 with no change,44yo male driving a 2012 avensis 2l diesel fully comp.Time to start shopping around as the company nononsense want it paid up front.

BOSTIK · 15-01-2016 3:55pm

Graces7 wrote: »

Gulp! I am in the same situation with Aviva ... end of Feb. Dreading it with a 00 car but they said in public that they would not refuse to renew with existing customers. So far my only quotation of about 8 asked for is around E700 from AIB.

This might cheer you up:

My wife's renewal (Comp) this month on a 2000 Micra was €284 from Aviva.

They will require the car to have a current valid NCT cert.

GvidoR · 15-01-2016 3:59pm

Gender: M

Age: 20

Car: 2000 Ford Escort 1.4

NCD: 2 years

Full licence: 2 years

Cover: Third party

Best quote: €1285, Axa/Coverinaclick

Masala · 15-01-2016 4:28pm

GvidoR wrote: »

Gender: M

Age: 20

Car: 2000 Ford Escort 1.4

NCD: 2 years

Full licence: 2 years

Cover: Third party

Best quote: €1285, Axa/Coverinaclick

a Ford Escort???? a 2000 reg????? don't see many of them on the road!!

GvidoR · 15-01-2016 4:31pm

Masala wrote: »

a Ford Escort???? a 2000 reg????? don't see many of them on the road!!

Yeah. 2 week old pic.

Masala · 15-01-2016 4:42pm

Ford-Escort-Mk2.JPG.opt502x251o0%2C0s502x251.JPG

My bad...... having been around in 70's.... this is my memory of an Escort!!!

Apologies for going off thread!

ofcork · 15-01-2016 5:43pm

ofcork wrote: »

My insurance has jumped from 337 last year to 507 with no change,44yo male driving a 2012 avensis 2l diesel fully comp.Time to start shopping around as the company nononsense want it paid up front.

Cannot do better on price so far,some quotes are over 1000 closet is 25plus at 510.

dr.fuzzenstein · 15-01-2016 7:29pm

ofcork wrote: »

Cannot do better on price so far,some quotes are over 1000 closet is 25plus at 510.

Same boat with NoNonsense. cheapest of the bunch, even though it went up.
Funny thing, when I tried to get a normal quote from them, the website told me to fcuk off. Same as last year. And last year my car wasn't even 10 years old.

ofcork · 15-01-2016 7:37pm

Got a quote of 587 from the site,cover in a click range me and can do it for 490.

SCOOP 64 · 15-01-2016 7:43pm

Opel Astra 1.4 1998

NCD 9yrs +

Age 48

Full licence 30yrs

no points

Last year €310 this year €475 123.ie, Cant find Cheaper.

sporina · 16-01-2016 12:40am

sporina wrote: »

Ok here is what I have so far... gosh tiring work this.. grr..

Anyway:

Female (30's): Toyota Yaris 01 1.0 Ltr, NCD 10 yrs, etc..

No Nonsense - 3rd party with breakdown assist - lat yr - €216 - this year €471

AA - 3rd party - €447

AXA - 3rd party - €655

Chill - 3rd party - €514

KennCo - 3rd party - €440

25plus - compre - €351; comp xtra - €381...

No quote online = Aviva, AIG,

So I am thinking of going with 25plus comp xtra - any thoughts..

I know I could contact more... any thoughts? Anyone else I should look to for a quote?

So, based on the above, are there any other companies that would be worth my while checking, ye think?

SCOOP 64 · 16-01-2016 1:08am

sporina wrote: »

So, based on the above, are there any other companies that would be worth my while checking, ye think?

(Im post above yours 307)
On another thread it was recommended i try BOI, so i did, got a online quote for
€275 fully com tonight, so signed up for it on line,hope i filled in all the details right, but have 14 days to cancel with deposit refunded,i did get a extra 20% for being a BOI customer,might be worth a try for you.

Top Dog · 16-01-2016 1:20am

Gender: M

Age: 39

Car: '07 Nissan Primastar 115dCI 3-seater van

NCD: Full

Licence: Full 10+ years, 2 points

Cover: Fully comp, step-back protection, for social & domestic not business use, wife as named driver.

Best quote: €457 from AXA. They were hesitant to insure at first but given my previous business with them they accepted the policy (though not before the asked everything and nearly the colour of my boxers!). Think they were confused by a private individual having a commercial vehicle for non-business purposes. Additional discounts applied for the wife having her car insured with them & for being a Credit Union member. Additional cover for towing.

In all honesty I didn't shop too hard. Tried about 6 websites for quotes but because I didn't know the specific carrying capacity they kept failing to quote. Only other actual quote was from insuremyvan which was nearly €100 more for just TPF&T.

Top Dog · 16-01-2016 1:24am

And to add to the collection - my wifes insurance

Gender: F

Age: 37

Car: '98 Mazda 323F 1.5

NCD: 0 - too long without a policy so her earned NCD had elapsed. Has been a named driver on my policies for a lot of years so the insurance company took this into account and gave her credit for it. Think they gave her close to full NCD credit.

Licence: Full 10+ years, 0 points

Cover: Fully comp, step-back protection, me as named driver.

Best quote: €439 from AXA. Plenty of others simply wouldn't quote due to the age of the car.

sporina · 16-01-2016 4:47pm

SCOOP 64 wrote: »

(Im post above yours 307)
On another thread it was recommended i try BOI, so i did, got a online quote for
€275 fully com tonight, so signed up for it on line,hope i filled in all the details right, but have 14 days to cancel with deposit refunded,i did get a extra 20% for being a BOI customer,might be worth a try for you.

thanks - will check it out - but i am not with BOI

sporina · 16-01-2016 5:26pm

sporina wrote: »

thanks - will check it out - but i am not with BOI

hmm checked with BOI - €438 for non prestige comp = €470 for prestige comp = thats not bad - was not expecting that - i wonder if there is a catch?

BTW - so far, they are the only company to ask me for my employers number and email address - i wonder why what it? anyone know? not that it matters - just curious

SCOOP 64 · 16-01-2016 5:34pm

sporina wrote: »

hmm checked with BOI - €438 for non prestige comp = €470 for prestige comp = thats not bad - was not expecting that - i wonder if there is a catch?

BTW - so far, they are the only company to ask me for my employers number and email address - i wonder why what it? anyone know? not that it matters - just curious

Well at least it gave you a quote,on another thread i mention BOI some have tried it and it wont quote at all on old cars or a very high quote,wasn't sure if i put down wrong details,cant seem to go back and check, have to wait til monday to phone, but have gone ahead with policy and put down deposit now and have a policy number, are you a BOI customer?

sporina · 16-01-2016 7:33pm

SCOOP 64 wrote: »

Well at least it gave you a quote,on another thread i mention BOI some have tried it and it wont quote at all on old cars or a very high quote,wasn't sure if i put down wrong details,cant seem to go back and check, have to wait til monday to phone, but have gone ahead with policy and put down deposit now and have a policy number, are you a BOI customer?

no i'm not

testicle · 16-01-2016 7:38pm

Gender: M

Age: 36

Car: '11 Honda CR-Z GT

NCD: Full, 6 years on scale

Licence: Full 10+ years, 3 points

Cover: Fully comp, full protection, class 1 limited business use, comprehensive driving of other cars, 150 excess

Best Quote: 545 with Aviva through the AA

NickDunne · 16-01-2016 9:15pm

sporina wrote: »

hmm checked with BOI - €438 for non prestige comp = €470 for prestige comp = thats not bad - was not expecting that - i wonder if there is a catch?

BTW - so far, they are the only company to ask me for my employers number and email address - i wonder why what it? anyone know? not that it matters - just curious

I've gotten quotes from BOI both online and on the phone and at no point was I asked for these details

Just on that point, don't bother ringing up, its only costs you money to ring whilst they babble on about the legal BS, only to have them ask you the EXACT same questions as the online form.

sporina · 17-01-2016 10:45am

NickDunne wrote: »

I've gotten quotes from BOI both online and on the phone and at no point was I asked for these details

Just on that point, don't bother ringing up, its only costs you money to ring whilst they babble on about the legal BS, only to have them ask you the EXACT same questions as the online form.

well i assume we were using the same websites? the q's were on the website - but near the end of the process - did you fill out info to the end on line? i have called them.. i have skype so calls are a penny..

PS If i cannot call them on skype i have been getting them to call me - a lot work that way anyhow

eringobragh · 17-01-2016 12:43pm

Reading this thread . I hate to think what the MR2 is going to cost me this year now that its aged 16

€530 Fully Comp last year with 123, suppose we'll see what happens come May

d-don · 17-01-2016 1:28pm

eringobragh wrote: »

Reading this thread . I hate to think what the MR2 is going to cost me this year now that its aged 16

€530 Fully Comp last year with 123, suppose we'll see what happens come May

My 1991 Celica gt4 was €260 cono cover last year for a year I wonder if it has gone up too

Car insurance - tell us your quotes/renewals

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