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Car insurance - tell us your quotes/renewals

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Comments

  • #1502
    Sue Pa Key Pa
    Closed Accounts Posts: 2,060 ✭✭✭Sue Pa Key Pa


    BazzyB wrote: »
    M

    First time insured in own name

    23
    4 Years Named Driver experience prior
    5 Years Full License
    No points
    1.8T Audi A4 Multitronic
    Mum and Dad added on as named drivers (both 10+ years full license and no claims)

    Fully comp with windscreen & no claims protection - €720

    Not too bad at all really

    How can you have Bonus Protection, when you have no bonus to protect?


  • #1503
    Liam McPoyle
    Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    Sue Pa Key Pa wrote: »
    How can you have Bonus Protection, when you have no bonus to protect?

    He has 4 years named driving experience so is being given the benefit of an introductory bonus.

    Some insurers will allow you to protect an introductory bonus.


  • #1504
    dodzy
    Registered Users Posts: 9,912 ✭✭✭dodzy


    Allianz. Today.
    Male
    47
    05 A6 2.0tdi
    NCB 10yrs plus
    Full license 20yrs plus
    0 points
    Only driver
    fully comp

    Allianz last year - €445
    Renewal yesterday €682

    Drop Roadside assist
    Increase excess from 250 to 500
    Drop WS cover
    Down to €500
    Keeping WS cover - €520

    Rand several places; closest was BOI - €625 or €675 with their prestige cover


  • #1505
    Sue Pa Key Pa
    Closed Accounts Posts: 2,060 ✭✭✭Sue Pa Key Pa


    Saul T Nutzz wrote: »
    He has 4 years named driving experience so is being given the benefit of an introductory bonus.

    Some insurers will allow you to protect an introductory bonus.

    Even if the 4 yrs named driver experience was giving you 4 yrs NCB (doubtful), most insurers will only allow you protect a full NCB.


  • #1506
    Liam McPoyle
    Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    Sue Pa Key Pa wrote: »
    Even if the 4 yrs named driver experience was giving you 4 yrs NCB (doubtful), most insurers will only allow you protect a full NCB.

    There are companies that allow step back for more than 3 years.


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  • #1507
    BazzyB
    Registered Users Posts: 69 ✭✭BazzyB


    Saul T Nutzz wrote: »
    There are companies that allow step back for more than 3 years.

    Have looked at this and it is step back, not protected my mistake.


  • #1508
    Sue Pa Key Pa
    Closed Accounts Posts: 2,060 ✭✭✭Sue Pa Key Pa


    Saul T Nutzz wrote: »
    There are companies that allow step back for more than 3 years.

    Which is different to what we were discussing


  • #1509
    Liam McPoyle
    Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    Sue Pa Key Pa wrote: »
    Which is different to what we were discussing

    Original post didn't say he had full NCB protection, it said NCB protection.

    You said it wasn't possible and I outlined scenarios where it was possible.

    The poster then confirmed its step back he has.

    That's exactly what we were discussing.

    :confused:


  • #1510
    Sue Pa Key Pa
    Closed Accounts Posts: 2,060 ✭✭✭Sue Pa Key Pa


    Saul T Nutzz wrote: »
    Original post didn't say he had full NCB protection, it said NCB protection.

    You said it wasn't possible and I outlined scenarios where it was possible.

    The poster then confirmed its step back he has.

    That's exactly what we were discussing.

    :confused:

    I didn't say it wasn't possible, I asked a question "How can you have bonus protection....?" The OP clarified his situation later on, advising of a mistake in that he only has Step Back instead of his original assumption that he had Full Protection, an easy thing to do.

    Another example of you leaping in with what you think you've just read, without the grace to admit you might be wrong or mis-quoting other posters


  • #1511
    Liam McPoyle
    Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    Sue Pa Key Pa wrote: »
    I didn't say it wasn't possible, I asked a question "How can you have bonus protection....?" The OP clarified his situation later on, advising of a mistake in that he only has Step Back instead of his original assumption that he had Full Protection, an easy thing to do.

    Another example of you leaping in with what you think you've just read, without the grace to admit you might be wrong or mis-quoting other posters

    You said how is that possible when you don't have a bonus.

    Telling him he doesn't have a bonus to protect and questioning how can he have protection on it is the same thing as saying its not possible because if he didn't have a bonus it wouldn't be.

    I have the good graces to know what I'm talking about and not hide behind a re-reg so that's good enough for me.


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  • #1512
    Sue Pa Key Pa
    Closed Accounts Posts: 2,060 ✭✭✭Sue Pa Key Pa


    Saul T Nutzz wrote: »
    You said how is that possible when you don't have a bonus.
    .

    That's 2 mis-quotes in a row which reaffirms my point


  • #1513
    biko
    Registered Users Posts: 81,223 ✭✭✭✭biko


    Drop it now.


  • #1514
    wally79
    Registered Users Posts: 2,929 ✭✭✭wally79


    folks. You're never going to agree


  • #1515
    bigboss1986
    Registered Users Posts: 798 ✭✭✭bigboss1986


    Male,30 (birthday last week :mad: )
    Licence for 11y, NCB 9+++ but only last 6 NCB on cert
    3 points
    My last car ins.policy expired 16/01/2016 so 6 month gap and 3 points in the meantime.
    A3 2002 1.6 102BHP
    I called over 20 places and ALLIANZ was the cheapest:

    TPFT 620 (no extras)
    Fully comp 656 or 59 a month x 12 with windscreen,driving other cars 3rd party,brakedown,250 excess

    Went with fully comp.Car is worth nothing but with so little difference well worth it.
    Most expensive was :
    123.ie 1671(!!!!)
    Aviva 1211

    Close to Allianz:
    Bank of Ireland 711
    AIG (but you have to download app :eek:) 699
    25 plus (but customer service was disaster for me) 720

    In total I spent over 3 h on the phone but well worth it


  • #1516
    GvidoR
    Registered Users Posts: 5,925 ✭✭✭GvidoR


    Age: 21
    NCB: 3 years in my own name
    Car: 2000 Ford Escort 1.4
    Cover: Third party only
    Insurer: Coverinaclick

    Price for last year: €1280
    Renewal: €2217

    :rolleyes:


  • #1517
    rizzee
    Registered Users Posts: 3,789 ✭✭✭rizzee


    GvidoR wrote: »
    Age: 21
    NCB: 3 years in my own name
    Car: 2000 Ford Escort 1.4
    Cover: Third party only
    Insurer: Coverinaclick

    Price for last year: €1280
    Renewal: €2217

    :rolleyes:

    Jasus. Shop around anyway man. Otherwise bye bye escort I'm guessing?


  • #1518
    Liam McPoyle
    Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    GvidoR wrote: »
    Age: 21
    NCB: 3 years in my own name
    Car: 2000 Ford Escort 1.4
    Cover: Third party only
    Insurer: Coverinaclick

    Price for last year: €1280
    Renewal: €2217

    :rolleyes:

    Try getting quotes for TPF&T rather than TPO.

    TPO nowadays is a bit of an alarm bell for insurers.


  • #1519
    Special Circumstances
    Closed Accounts Posts: 7,569 ✭✭✭Special Circumstances


    rizzee wrote: »
    Jasus. Shop around anyway man. Otherwise bye bye escort I'm guessing?

    Can't see too many 90s / 00s cars making being kept on the roads in the future except through garage policies really.

    Eventually insurers will drive us all to autonomous cars and then well... bye bye most of those employed in car insurance!


  • #1520
    icom
    Registered Users Posts: 475 ✭✭icom


    Gender: M

    Age: 52

    Car: 2010 KIA CEED Sportswagen 1.6 diesel

    NCB: 9 years + (Never had a claim ever! )

    Licence: Full Irish, 27 years, 0 points

    Cover: Fully comp, step back protection, same as last year.

    Last year's premium: €350 with Liberty

    Renewal with Liberty: €575

    Shopped around, best quote was is Blue Insurance for €401 (started at 475) after a lot of haggling. (Same cover as Liberty)

    Won't do a 2 year quote as the car was imported. I thought all cars were imported !

    Any point in looking around more, or should I go with Blue ?


  • #1521
    cplwhisper
    Registered Users Posts: 797 ✭✭✭cplwhisper


    Dissect their terms and conditions ... And Google the underwriters of quote. If Zenith then they are Gibraltar regulated so like Setanta insurance then they can leave the country at a drop of a hat.. With ur


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  • #1522
    _Tombstone_
    Closed Accounts Posts: 3,006 ✭✭✭_Tombstone_


    Special Circumstances wrote: »
    Can't see too many 90s / 00s cars making being kept on the roads in the future except through garage policies really.

    Eventually insurers will drive us all to autonomous cars and then well... bye bye most of those employed in car insurance!

    Insurance companies are dreading automous cars as they'll lose a whole industry. They're already off looking at how to fill the gap. I'm guessing not wanting to insure 90/00 is a blip or only happens here aswell.


  • #1523
    steveshort
    Registered Users Posts: 119 ✭✭steveshort


    Male,
    39
    6 years ncb
    Full irish licence 20 years
    No points
    Car , a 2003 megane 1.4
    My renewal came in from chill
    €634
    Last year it was €400

    Time to shop around , any suggestions where to stat


  • #1524
    Toyotafanboi
    Registered Users Posts: 12,917 ✭✭✭✭Toyotafanboi


    26, 9 years NCB, full license, no points, 07 Civic petrol.

    Screenshot_2016_07_16_18_36_21.jpg

    You really do have to be a 45 year old female accountant from Carlow driving a 161 1.2 diesel Polo to get a quote from these lads.


  • #1525
    GvidoR
    Registered Users Posts: 5,925 ✭✭✭GvidoR


    ^^ Jesus Christ.


  • #1526
    boardsuser1
    Closed Accounts Posts: 6,196 ✭✭✭boardsuser1


    Wanted to do a week long substitution from next monday from my own car (diesel focus) to a ford puma. Was told the focus is a group 15 and the puma is group 25. If it is 8 groups or more higher they can't do it.

    Complete madness. I'll have to do a permanent change for the sake of 5 days and incur extra costs as a result


  • #1527
    MortGoldman
    Registered Users Posts: 368 ✭✭MortGoldman


    Age: 28
    Gender: Male
    NCB: 9 years, own name
    Car: 2000 Mercedes CLK230
    Cover: Fully Comp
    Insurer: Aviva

    Price for last year: Not sure, because it was on a 530d, then an Opel Speedster and then the Merc with different payments for changes. Roughly 600 fully comp on the BMW though.

    Renewal (on the Merc): Cheapest quote I've gotten so far is 1077 fully comp with AA. Includes AA membership. Didn't pay 1000 when I was a young lad driving an FTO!


  • #1528
    dodzy
    Registered Users Posts: 9,912 ✭✭✭dodzy


    steveshort wrote: »
    Male,
    39
    6 years ncb
    Full irish licence 20 years
    No points
    Car , a 2003 megane 1.4
    My renewal came in from chill
    €634
    Last year it was €400

    Time to shop around , any suggestions where to stat

    Allianz, BOI.


  • #1529
    jjpep
    Closed Accounts Posts: 658 ✭✭✭jjpep


    Male
    38
    0 points
    9 plus years ncb
    19 year old corrola
    Renewal quote from aa: 690
    Quote from bank of ireland: 306

    Guess if i renewed or not :-)


  • #1530
    Special Circumstances
    Closed Accounts Posts: 7,569 ✭✭✭Special Circumstances


    _Tombstone_ wrote: »
    Insurance companies are dreading automous cars as they'll lose a whole industry. They're already off looking at how to fill the gap.
    Yes, you'd think they'd be happy enough with millions of us actually driving an old corolla with airbags and abs. Rather than pushing for more and more and more modern cars with more and more and more autonomy, incrementing all the time to full autonomy.
    _Tombstone_ wrote: »
    I'm guessing not wanting to insure 90/00 is a blip or only happens here aswell.
    At least one company who turned away customers with 15 years claims free driving because their car was old actually saw their proportion of "good" "no payout" policies fall.

    I mean, it's crazy isn't, who in insurance would have thought that the majority of people with really good driving records are actually a good insurance risk even if their car is old!

    Will they row back? Or will 10years be the new 15years. (Just in Ireland obviously )


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  • #1531
    Turtle-TM
    Registered Users Posts: 384 ✭✭Turtle-TM


    Has anyone successfully gotten the details of how their quote was calculated from their insurer?

    I am ringing FBD tomorrow as mine has gone from €440 to €675 this year.

    What id like to see from them is the exact formula and risk calculations they used to come up with my renewal quote. As my circumstances haven't changed in a year, my premium shouldn't

    What I want is where each euro of my premium is going, and how it was calculated. I will then take this to the insurance or consumer ombudsman to make a complaint.

    I also have a feeling that the insurance companies are price fixing the market. As I got 25 quotes the other day online, and most of them were far too similar to be coincidence


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