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Car insurance - tell us your quotes/renewals

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Comments

  • Closed Accounts Posts: 535 ✭✭✭Chloris


    Aviva appears to be the worst value.


  • Moderators, Social & Fun Moderators Posts: 14,783 Mod ✭✭✭✭AndyBoBandy


    Chloris wrote: »
    Aviva appears to be the worst value.

    And not too many with No Nonsense! Who I find quite reasonable!!


  • Closed Accounts Posts: 535 ✭✭✭Chloris


    And not too many with No Nonsense! Who I find quite reasonable!!
    Their ads put me off. I'm with Axa, they were the cheapest when I checked.

    Like I said
    Chloris wrote:
    Age: 24
    Car: '08 Opel Corsa
    Engine: 1.2l
    Years driving: 2
    Claims: None
    Price: E90
    Penalty Points: 4 (not declared)
    Provider: AXA
    I'm going to declare those points in August when I have to renew.


  • Registered Users Posts: 2,575 ✭✭✭monkeysnapper


    Your Age:39
    Car type and engine: 2003 Audi a4 1.9 tdi red avant
    years driving:22
    any claims: none ( had 2 windscreen replacements in last 5 years )
    Price and provider:s Allianz

    Myself and wife at same age and no claims

    Price 281 fully comp


  • Registered Users Posts: 5,875 ✭✭✭Foxhole Norman


    Chloris wrote: »
    Aviva appears to be the worst value.

    Not really, Insurance is too specific to each person so one person's bad value is another person's good value.


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  • Registered Users Posts: 3,191 ✭✭✭overshoot


    Chloris wrote: »
    Aviva appears to be the worst value.
    was with them last year having phone around nearly everyone, renewal close this year, as was the AA



    Your Age:25
    Car type and engine: 2010 VW golf 1.6tdi SE 105bhp
    years driving:7 no claims - originally as name but parents had a policy that allowed me build my own no claims (aviva)
    any claims: none
    Points: None
    Additional: Limited Business use, Open Drive
    Price and provider: Allianz -670


  • Moderators, Social & Fun Moderators Posts: 14,783 Mod ✭✭✭✭AndyBoBandy


    [quote="Chloris;95712611I'm going to declare those points in August when I have to renew.[/quote]

    It's against the rules of the contract of insurance to not declare points when you get them, and will also make your insurance null and void should you have an accident during the year the policy is active.
    I.e. If you have a claim in that period, AXA will tell you to get the boat and you will then be personally liable for any claims against you.


  • Registered Users Posts: 853 ✭✭✭edburg


    Age: 37
    Car: 08 Astra OPC Nurburgring
    Years driving: 20 years nearly ( 8 years on Irish licence)
    Any claims: 0
    NCB: 7yrs useable (technically 14)
    Points: 0
    Price and provider: €540 through Chill (Wrightway underwritten)


    Car 2: 09 Insignia Elite CDTi (2.0)
    Any claims: 0
    NCB: 2 years plus above policy
    Points: 0
    Price and provider: €750 through a Broker cant remember under writing (with 2nd driver)


  • Registered Users Posts: 1,091 ✭✭✭hattoncracker


    Age:28
    Car: 2012 volkswagen up.
    Years driving: just over three years, full licence for 2 and a half.
    claims: nothing, 3 year NCB
    price and provider: €320 fully comp with full Ncb protection with Zurich thru Glennons.


  • Closed Accounts Posts: 8,585 ✭✭✭jca


    It's against the rules of the contract of insurance to not declare points when you get them, and will also make your insurance null and void should you have an accident during the year the policy is active.
    I.e. If you have a claim in that period, AXA will tell you to get the boat and you will then be personally liable for any claims against you.

    No you won't. Insurance always covers the third party. The most they can do is cancel your policy giving due notice thereby making it next to impossible to get insured with another company. Every insurance thread ends up with someone spouting this rubbish.


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  • Registered Users Posts: 1,091 ✭✭✭hattoncracker


    jca wrote: »
    No you won't. Insurance always covers the third party. The most they can do is cancel your policy giving due notice thereby making it next to impossible to get insured with another company. Every insurance thread ends up with someone spouting this rubbish.


    They have to pay out to the third party under the Road Traffic Act, but if it's non disclosure they have the right to reclaim the costs from you.


  • Registered Users Posts: 4,164 ✭✭✭orm0nd


    Your Age: 60 + vat :(
    Car type and engine: 08 avensis 2.0 dsl
    years driving: 44
    any claims: 0
    Price and provider: 715 fbd includes 1 named u 25 , open for 25 to 70 & I'm covered to drive other vehicles not in my ownership

    (this price is part of a 5 vehicle policy)


  • Closed Accounts Posts: 8,585 ✭✭✭jca


    They have to pay out to the third party under the Road Traffic Act, but if it's non disclosure they have the right to reclaim the costs from you.

    Which they do by charging a gigantic premium next time around. Then again, that's what they do to anyone who makes a claim. I've never heard of any insurance company pursuing a single individual for monies paid out in a claim, they pass it on to all the other punters.


  • Closed Accounts Posts: 712 ✭✭✭Simonigs1.0


    Chloris wrote: »
    Aviva appears to be the worst value.

    Well obviously not.

    I don't know about yourself but when shopping around for insurance I always try to go for whoever gives me the cheapest quote.

    Not exactly looking at 3 figure premiums on a high performance car with a girlfriend with under 2 years FL experience now


  • Closed Accounts Posts: 535 ✭✭✭Chloris


    They have to pay out to the third party under the Road Traffic Act, but if it's non disclosure they have the right to reclaim the costs from you.
    Yeah, I'm pretty sure this is the case. I couldn't afford to pay any more than the premium they were giving me so I'm just... not going to claim this year (only two months left...) and tell them about it in August when I have to renew.


  • Closed Accounts Posts: 8,585 ✭✭✭jca


    Chloris wrote: »
    Yeah, I'm pretty sure this is the case. I couldn't afford to pay any more than the premium they were giving me so I'm just... not going to claim this year (only two months left...) and tell them about it in August when I have to renew.

    Not going to claim?? Strange statement to make. You don't show much consideration to other road users.


  • Registered Users Posts: 484 ✭✭brownacid


    Your Age: 26
    Car type and engine: 2015 2.0 MK3.5 Ford focus ST3 - 250BHP
    years driving: 9
    points: 0000
    any claims: 0
    Price and provider: £503 (in London), fully comp, drive other cars etc


  • Registered Users Posts: 293 ✭✭KNS


    Your Age: 36
    Car type and engine: 2008 2.0 MK2 Audi TTS - 272BHP
    years driving: 16
    points: 0 (although a couple on the way I fear)
    any claims: 0
    Price and provider: €500 fully comp for Mr & Mrs KNS, Aviva


  • Banned (with Prison Access) Posts: 2,083 ✭✭✭tom_tarbucket


    Age: 36
    Sex: MALE
    Car type: 2006 BMW 523i 2.5 Litre 174 BHP
    years driving:15
    points:2
    NCB: 15 years, useable 5 I think
    Price and provider: €378 via AA with Allianz. Fully comp, no claims protection, driving of other cars.


    Looking at some other quotes here, I don't know how im getting it so cheap.


  • Registered Users Posts: 1,996 ✭✭✭Spipov


    Age: 36
    Sex: MALE
    Car type: 2006 BMW 523i 2.5 Litre 174 BHP
    years driving:15
    points:2
    NCB: 15 years, useable 5 I think
    Price and provider: €378 via AA with Allianz. Fully comp, no claims protection, driving of other cars.


    Looking at some other quotes here, I don't know how im getting it so cheap.

    Hd same thing for 520i 2004 im 33 8 years ncb. However everywhere for my renewal next week is now 200% more!! The best i can get now on a 05 320d is 604, aa with axa i think and thats because i have aa breakdown and home insurance
    My wife is faring worse.

    Prices mental this year no one else's quote cheaper


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  • Banned (with Prison Access) Posts: 2,083 ✭✭✭tom_tarbucket


    Spipov wrote: »
    Hd same thing for 520i 2004 im 33 8 years ncb. However everywhere for my renewal next week is now 200% more!! The best i can get now on a 05 320d is 604, aa with axa i think and thats because i have aa breakdown and home insurance
    My wife is faring worse.

    Prices mental this year no one else's quote cheaper

    right, I got my quote last July so sounds like when I come to renew I will get a shock !?!

    do you have a 520i and a 520d ?


  • Registered Users Posts: 853 ✭✭✭edburg


    Age: 36
    Sex: MALE
    Car type: 2006 BMW 523i 2.5 Litre 174 BHP
    years driving:15
    points:2
    NCB: 15 years, useable 5 I think
    Price and provider: €378 via AA with Allianz. Fully comp, no claims protection, driving of other cars.


    Looking at some other quotes here, I don't know how im getting it so cheap.

    Depends on where you are, cars classification on there books etc

    It was cheaper for me 6 years ago to insure the old golf gti than it is now, prices ballooned 3 years ago for me went from 450 to 860 and only thing changed was an extra years ncb for me.


  • Registered Users Posts: 24,647 ✭✭✭✭punisher5112


    Age 32
    Insurance €1000

    Trade policy so covered to drive what ever I have or want.

    Insurance companies are at the moment losing huge amounts of money due to rising crashes and huge claims/pay outs.

    Is it any wonder with all the inflated claims and sue for anything culture.

    Cars that are only worth €1k or €2k and repair bills of €850 and €1600 been paid out on such cars is rediculous.

    There should be a system in place to return car to original before the crash yes but I believe in a lot of cases this is done to the extreme of huge inflated repair costs that could in a lot of cases be fitted with salvaged parts.


  • Registered Users Posts: 1,996 ✭✭✭Spipov


    right, I got my quote last July so sounds like when I come to renew I will get a shock !?!

    do you have a 520i and a 520d ?

    No had a 520 but a lot more miles per day means i traded in for a 320d


  • Registered Users Posts: 9,662 ✭✭✭Voodoomelon


    Your age: 31
    Car type and engine: BMW 740Li 4.0l - 2005
    Years driving: 7
    Any claims: 0
    Points: 0
    Price and provider: €1090, broker underwritten by Wrightway. They agreed to a €40 discount on this.

    Was €800 year previous and was cheapest out of 15 odd quotes.


  • Registered Users Posts: 14,309 ✭✭✭✭wotzgoingon


    Your age: 31
    Car type and engine: BMW 740Li 4.0l - 2005
    .

    Your a lot younger than I thought you were.


  • Hosted Moderators Posts: 9,923 ✭✭✭mik_da_man


    Looking at prices I'm quite happy with my quote.
    Anything similar seems to be costing people a lot more.


  • Registered Users Posts: 3,670 ✭✭✭quadrifoglio verde


    Your age: 31
    Car type and engine: BMW 740Li 4.0l - 2005
    Years driving: 7
    Any claims: 0
    Points: 0
    Price and provider: €1090, broker underwritten by Wrightway. They agreed to a €40 discount on this.

    Was €800 year previous and was cheapest out of 15 odd quotes.

    Makes sobaneks on his 750 look cheap.


  • Registered Users Posts: 9,662 ✭✭✭Voodoomelon


    It does, even my E38 was only €505 when I had it. The V8 in the E66 seems to bump it into a "performance" bracket for some reason, lots of insurers wouldn't even quote.


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  • Registered Users Posts: 137 ✭✭LariToper


    Your Age: 23
    Car type and engine: E200 Kompressor 161hp
    years driving: 6
    any claims: 0
    Price and provider: €543, aviva

    Purchased this policy at the weekend, had a missed call from aviva this morning, nervously awaiting to hear what they have to say...


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