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Car insurance - tell us your quotes/renewals

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    #4742
    biko
    Registered Users Posts: 81,223 ✭✭✭✭biko


    Moved out from old thread.


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    #4743
    maddhy
    Registered Users Posts: 5 ✭maddhy


    Age 30;
    Male;
    NCB=0;
    Named driver experience=3 months;
    car: 1.6l 2011;
    Dublin 18;
    got Irish full license just last week;
    added my GF as named driver, she got her full license for 4 years and her own car;

    Cheapest quote 3rd party theft fire: 1110 (direct with Liberty through their website)

    The cheapest from brokers was 1460 (GMHD) but also with Liberty (he asked me what price I got elsewhere, I said 1.5k, then he quoted this price....wonder what if I said 500...)

    Also phoned liberty but strangely got 1280...

    Out of curiosity checked with Allianz in Germany (where I used to live) also as a fresh driver without adding any named driver and with an address in the city got quoted 900 (3rd party theft fire), Allianz here quoted me 1839.18;


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    #4744
    cplwhisper
    Registered Users Posts: 797 ✭✭✭cplwhisper


    maddhy wrote: »
    Age 30;
    NCB=0;
    Named driver experience=3 months;
    car: 1.6l 2011;
    got Irish full license just last week;

    Cheapest quote 3rd party theft fire: 1110 (direct with Liberty through their website)

    The cheapest from brokers was 1460 but also with Liberty

    Also phoned liberty but strangely got 1280...

    Their online quote will be cheaper as you print your own cert/schedule etc in the hope you have correctly done all the paperwork.


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    #4745
    maddhy
    Registered Users Posts: 5 ✭maddhy


    cplwhisper wrote: »
    Their online quote will be cheaper as you print your own cert/schedule etc in the hope you have correctly done all the paperwork.

    Yeah that's fine with me, don't wanna pay 100euro extra for their fancy printer haha


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    #4746
    septicsac
    Registered Users Posts: 485 ✭✭septicsac


    roper1664 wrote: »
    I changed to AXA in the end. They quoted 450. Previous insurer was 550 for a "new" quote or 686 for a renewal. All other insurers I tried ranged from 780 to 1100.

    AXA - 762 ....yeah away with ye

    I went with AIG in the end, had to take out new member policy and resend copies of driving licences to get same, took 3 minutes to save 51 yoyos, 353 in total, no one else withing 70 euro of them and most miles away.
    I get money off with AIG golfer and they are reasonably priced, however other companies came n with scandalous prices, liberty over 1000


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    #4747
    johndaman66
    Registered Users Posts: 4,095 ✭✭✭johndaman66


    cplwhisper wrote: »
    Their online quote will be cheaper as you print your own cert/schedule etc in the hope you have correctly done all the paperwork.
    I don't know about that. You will hear General Insurers sometimes mention in their ads to get the best price online but in reality I have found I tended to fair better when calling them. Also they will often ask you what is the best price you received so far and if its there or thereabouts they will say they will speak to their manager and see what they can do as you hold the line que to drop the phone for 2 minutes to firm up a time for the next fag break with their colleague.
    More often than not they will beat it and if not the will almost if not match the best price you received and list out a raft of silly rider benefits that your most likely getting with the other provider anyway.

    €1,100 is a very good price though for Other poster. The 3 months named driving experience is going to count for nout I'm guessing. When I started off in 2002 on a full license as a named driver on a 2 seater van it was €2,100 TPF&T. If it was a passenger car, even a 1.0 micra you would have added almost €1,000 to that and add on another €1,000 at least if I was to do it in my own name then. I was just 21 but even so.


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    #4748
    maddhy
    Registered Users Posts: 5 ✭maddhy


    Yeah I'm quite happy about the price after reading the quotes for fresh drivers from old posts. Kennco quoted me 1600, I was already happy, almost went for it before ringing Liberty. Read that last year European commission launched an anti-cartel investigation on car insurance in Ireland, it does seem to help.

    My Gf just renewed her policy:
    1 year NCB and 2 years named driver on her mom's car;
    1.2 Polo 2013;
    27y/o;
    Dublin 18;
    450 with Liberty, last year she paid 950 with Liberty via a broker called Marsh;

    johndaman66 wrote: »
    I don't know about that. You will hear General Insurers sometimes mention in their ads to get the best price online but in reality I have found I tended to fair better when calling them. Also they will often ask you what is the best price you received so far and if its there or thereabouts they will say they will speak to their manager and see what they can do as you hold the line que to drop the phone for 2 minutes to firm up a time for the next fag break with their colleague.
    More often than not they will beat it and if not the will almost if not match the best price you received and list out a raft of silly rider benefits that your most likely getting with the other provider anyway.

    €1,100 is a very good price though for Other poster. The 3 months named driving experience is going to count for nout I'm guessing. When I started off in 2002 on a full license as a named driver on a 2 seater van it was €2,100 TPF&T. If it was a passenger car, even a 1.0 micra you would have added almost €1,000 to that and add on another €1,000 at least if I was to do it in my own name then. I was just 21 but even so.


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    #4749
    Prefect_1998
    Registered Users Posts: 954 ✭✭✭Prefect_1998


    25Plus Car Insurance query

    is this a mickey mouse company ?

    their quote is half the 'traditional' insurers and that always raises questions.

    also i am having issues getting online quotes for a 640d.
    zero points
    full irish licence over 10 years
    owner car over 12 months

    seems crazy


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    #4750
    cplwhisper
    Registered Users Posts: 797 ✭✭✭cplwhisper


    danielle_door wrote: »
    25Plus Car Insurance query

    is this a mickey mouse company ?

    their quote is half the 'traditional' insurers and that always raises questions.

    also i am having issues getting online quotes for a 640d.
    zero points
    full irish licence over 10 years
    owner car over 12 months

    seems crazy

    640d is normally group 41 thus -
    All drivers over 30, no a/c/c or PP(3 can be ok)
    No open driving option
    Depending on value - tracker may be needed


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    #4751
    ILikeBoats
    Registered Users Posts: 2,442 ✭✭✭ILikeBoats


    25plus are underwritten by AIG


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    #4752
    naughtysmurf
    Registered Users Posts: 3,242 ✭✭✭naughtysmurf


    ILikeBoats wrote: »
    25plus are underwritten by AIG

    We had two cars with them for years, no issues also had a claim during that time sorted with no hassles, left about 4 years ago because we had to get the young lad on the road so switched to Aviva, all with them now


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    #4753
    frozenfrozen
    Registered Users Posts: 7,882 ✭✭✭frozenfrozen


    cplwhisper wrote: »
    640d is normally group 41 thus -
    All drivers over 30, no a/c/c or PP(3 can be ok)
    No open driving option
    Depending on value - tracker may be needed

    what group is a 335d out of interest?


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    #4754
    cplwhisper
    Registered Users Posts: 797 ✭✭✭cplwhisper


    frozenfrozen wrote: »
    what group is a 335d out of interest?

    43


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    #4755
    cplwhisper
    Registered Users Posts: 797 ✭✭✭cplwhisper


    Update for 2020 - 640d 2-dr is group 50



    2011-2018
    model SE

    650i SE 2d Auto 49
    640d SE 2d Auto 50
    640i SE 2d Auto 50
    650i (449bhp) SE 2d Auto 50

    M Sport Limited Edition

    640d M Sport Limited Edition 2dr Auto 2d 50
    640d M Sport Limited Edition 4dr Auto 4d 50


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    #4756
    CoBo55
    Registered Users Posts: 8,815 ✭✭✭CoBo55


    danielle_door wrote: »
    25Plus Car Insurance query

    is this a mickey mouse company ?

    their quote is half the 'traditional' insurers and that always raises questions.

    also i am having issues getting online quotes for a 640d.
    zero points
    full irish licence over 10 years
    owner car over 12 months

    seems crazy

    Myself and other family members were with them for years they certainly aren't a Mickey mouse company.


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    #4757
    Prefect_1998
    Registered Users Posts: 954 ✭✭✭Prefect_1998


    cplwhisper wrote: »
    640d is normally group 41 thus -
    All drivers over 30, no a/c/c or PP(3 can be ok)
    No open driving option
    Depending on value - tracker may be needed

    I am good for all the above .

    Quote is up 300 from last year


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    #4758
    Prefect_1998
    Registered Users Posts: 954 ✭✭✭Prefect_1998


    cplwhisper wrote: »
    Update for 2020 - 640d 2-dr is group 50



    2011-2018
    model SE

    650i SE 2d Auto 49
    640d SE 2d Auto 50
    640i SE 2d Auto 50
    650i (449bhp) SE 2d Auto 50

    M Sport Limited Edition

    640d M Sport Limited Edition 2dr Auto 2d 50
    640d M Sport Limited Edition 4dr Auto 4d 50

    Can I ask why they are changing this model of car ?


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    #4759
    Prefect_1998
    Registered Users Posts: 954 ✭✭✭Prefect_1998


    CoBo55 wrote: »
    Myself and other family members were with them for years they certainly aren't a Mickey mouse company.

    Thanks for that, will give them a go


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    #4760
    TheBody
    Registered Users Posts: 5,619 ✭✭✭TheBody


    Your Age: 39
    Car type and engine: Ford Focus 1.6
    years driving: 19 years full licence.
    any claims: No.
    Price and provider: Aviva renewal quote of €553. Got a quote of €450 with AIG. Called Aviva back and they offered me the same policy as I had for €443. Went with that.


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    #4761
    Financesetc.
    Registered Users Posts: 50 ✭✭Financesetc.


    AA car insurance €640 tpft
    Full licence 14 years
    32 yrs old
    2008 1.8 petrol avensis
    10+ years no claims bonus
    1 claim, no claims protected.
    AA membership, 4cent off per litre of petrol at the pump.


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    #4762
    spurious
    Moderators, Category Moderators, Education Moderators Posts: 27,130 CMod ✭✭✭✭spurious


    AA car insurance €464 Fully Comp (Aviva)
    Full licence 11 years
    57 yrs old (+ one full licence named driver)
    2007 1.4 petrol Skoda Roomster
    10+ years no claims bonus
    1 windscreen replacement

    Initially quoted 483 to renew, rang in, did the merry dance and got it down a few bob.

    I am a member and also have Home Insurance with them.


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    #4763
    Financesetc.
    Registered Users Posts: 50 ✭✭Financesetc.


    spurious wrote: »
    AA car insurance €464 Fully Comp (Aviva)
    Full licence 11 years
    57 yrs old (+ one full licence named driver)
    2007 1.4 petrol Skoda Roomster
    10+ years no claims bonus
    1 windscreen replacement

    Initially quoted 483 to renew, rang in, did the merry dance and got it down a few bob.

    I am a member and also have Home Insurance with them.
    Wow thats is great. Il be standing my ground when i get my renewal. Im driving the last 16 years but for some reason my no claims only says 9 years plus. No option to add the 16years no claims. I don't think i ever had a no claims cert that has stated anything over 10. Is that normal


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    #4764
    johndaman66
    Registered Users Posts: 4,095 ✭✭✭johndaman66


    Financesetc. wrote: »
    Wow thats is great. Il be standing my ground when i get my renewal. Im driving the last 16 years but for some reason my no claims only says 9 years plus. No option to add the 16years no claims. I don't think i ever had a no claims cert that has stated anything over 10. Is that normal
    Very much normal. Insurers will only show a maximum number of years no claims discount on their certificates irrespective of the number of years no claims the Client has. If I recall correctly Aviva my current provider only show a maximum of 8 on the certificates they issue to me even though I have away more than that.

    Just be sure to keep note of how many years actual claims free you actually have. I have being told by Brokers/ Companies more than once that its not a problem if my non claims certificate shows a lesser number of years than I say when getting a quotation/ taking out cover with a new provider. They seem to know the maximum number of years no claims the other providers show on their certificates.


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    #4765
    Financesetc.
    Registered Users Posts: 50 ✭✭Financesetc.


    johndaman66 wrote: »
    Very much normal. Insurers will only show a maximum number of years no claims discount on their certificates irrespective of the number of years no claims the Client has. If I recall correctly Aviva my current provider only show a maximum of 8 on the certificates they issue to me even though I have away more than that.

    Just be sure to keep note of how many years actual claims free you actually have. I have being told by Brokers/ Companies more than once that its not a problem if my non claims certificate shows a lesser number of years than I say when getting a quotation/ taking out cover with a new provider. They seem to know the maximum number of years no claims the other providers show on their certificates.

    My latest ones says 9 years no claims but i have built up 16years worth but on paper i dont know where they are.


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    #4766
    Girly Gal
    Registered Users Posts: 2,848 ✭✭✭Girly Gal


    Anyone know best place to get insurance for an old car. Looking to insure a 98 Toyota Corolla, a lot of companies either won't give a quote or else give an insane quote, more than the value of the car. Any help appreciated.


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    #4767
    duffman3833
    Registered Users Posts: 1,034 ✭✭✭duffman3833


    duffman3833 wrote: »
    Age:29
    Car: 2008 BMW E90 320i (170)
    Years driving: 11
    Claims: 0
    No Claims: 11 years
    Type: Fully Comp

    Axa - €869.84
    AA - €792.42
    Aviva - n/a
    Liberty - €549.73
    AnPost - €895.28
    FBD - €1,018.02
    123.ie - €452.84
    Chill - €596.00
    allianz - €793.85
    Its4Women - €825.00
    25plus - €953.04

    Ended up paying 490 with 123.ie as the extra 42 euro was to get full NCD protection
    cant believe how cheap i got it this year especially in the BMW


    This year on a BMW 520D F10
    AIG €733.59
    Chill €849.00
    Kenco €1,084.45
    Axa €1,061.22
    An Post €765.62
    FBD €745.69
    Its4women €694.73
    25plus €738.01
    AA €1,188.39


    renewing with current provider 123.ie at €550


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    #4768
    cplwhisper
    Registered Users Posts: 797 ✭✭✭cplwhisper


    Financesetc. wrote: »
    Wow thats is great. Il be standing my ground when i get my renewal. Im driving the last 16 years but for some reason my no claims only says 9 years plus. No option to add the 16years no claims. I don't think i ever had a no claims cert that has stated anything over 10. Is that normal

    My dads ncb cert says 52...one of the original pmpa clients from ‘68.


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    #4769
    cplwhisper
    Registered Users Posts: 797 ✭✭✭cplwhisper


    Girly Gal wrote: »
    Anyone know best place to get insurance for an old car. Looking to insure a 98 Toyota Corolla, a lot of companies either won't give a quote or else give an insane quote, more than the value of the car. Any help appreciated.

    A lot of the Corolla, if an import, will be loaded due to the risk that it’s a ‘levin’ from Japan. If you supply the VIN number to Axa to prove it’s an Irish car the underwriter can regroup the car to standard group 8 to 11 depending on 1.3 or 1.6 petrol or group 10 if 2.0 diesel.
    If the car is grey import (uk originally) then again proof of vin will help with liberty & FBD


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    #4770
    wotzgoingon
    Registered Users Posts: 14,309 ✭✭✭✭wotzgoingon


    Girly Gal wrote: »
    Anyone know best place to get insurance for an old car. Looking to insure a 98 Toyota Corolla, a lot of companies either won't give a quote or else give an insane quote, more than the value of the car. Any help appreciated.

    Liberty and AXA are the only two I know of. And you can lower that to one as Liberty who I am insured with on a 1998 Levin will not give me a new quote but since I am already with them they just keep sending out renewals every year and cheaper than AXA too.


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    #4771
    Financesetc.
    Registered Users Posts: 50 ✭✭Financesetc.


    Financesetc. wrote: »
    AA car insurance €640 tpft
    Full licence 14 years
    32 yrs old
    2008 1.8 petrol avensis
    10+ years no claims bonus
    1 claim, no claims protected.
    AA membership, 4cent off per litre of petrol at the pump.
    Just got my renewal quote based on the details above they quoted me over 1500 euro!!


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