Car insurance - tell us your quotes/renewals

septicsac wrote: »

NCB protection is another scam invented by insurance companies. Be aware if you do take it out it is only relevant to the company you are insured with. If you have a claim, other companies will take in to account this when pricing you the following year and increase the premium to reflect this. Your current company will "protect" your no claims, but they know you really can go nowhere else, so they can still quote you what they want, it is a scandal they were are still allowed to sell it

It's not compulsory and is relatively cheap. By your logic, the holding insurer could "scam" more money off you at renewal following an accident, by not allowing you purchase protection. They could increase the rate and wipe out your bonus.

Sons renewal came today.
22 years old
Full licence
07 1.4 Octavia
No points
Full comp vita driving of other cars,window and breakdown cover
Protected bonus
3 years bonus+ 2 for doing their driving program
Aviva price €600.
Really don't think I'll do better than that

Got a renewal notice today 2 months early up €60 on last years price it has gone up over €100 in 2 years for no reason
BOI insurance
Bit of a cheek as due to covid crisis I couldn't drive the car for 2 months :-(
Rip off

should have said 55 yo with 10+( in fact never claimed since starting to drive when i was 17 but can only claim for 10 years ) ncb current quote is €422 vw polo 1.2

schmoo2k wrote: »

Is NCB protection worth it or not? My take to date has been its an up sell, but I do prefer it when its included in a price (IOW I don't have a clue).

What is the opinion here and is it true that it can not be transferred from one company to another?

I posted earlier I transferred to two different companies since I lost part of my bonus.

bigboss1986 wrote: »

Male 34,wife as 2nd driver.2010 Scirocco 170 2.0TDI
Full licence 10+,full bonus 6+,no points

Last year fully comp 550 inc AA membership.Renewal came at 840+99 for AA.Feckin joke.My car was parked for 11weeks doing zero driving and the they increase my insurance by 75%...
All quotes I done online as i dont have time to spend calling.Its 2020....

AIG came cheapest at 520 incl. full bonus protection wth code AIG20,2nd best 4women but only 20euro cheaper and I have bad experience with 25plus so will buy from AIG.Going to call them tomorrow to haggle to 500.

Axa rang me back and they came down to 510 wich I took and paid in full.
Fully comp,2 drivers,glass,brakedown ,step back,400excess.Im happy enough.

Prestige.... More like poverty spec policy with a nice name attached to it tbh.

R11 wrote: »

Quick question - my wife is going to make a claim on her policy, scrapped side of door, need new one. She has NCB protection, renewal later this year. If AIG pull the piss and increase her premium and she decides to move insurer, does she have to tell the new insurer of the claim? It won't show on her NCB cert, it will still say 10+ years....

Is this a serious question?.
You make a claim,move insurance company, deliberately dont tell them of your claim. They could and especially with the way things are,would refuse to honor any comprehensive claimand would also chase you for any 3rd party claim that they pay out. Definitely not worth it.
My wife made a claim last year had BP and her premium actually went down a few quid

R11 wrote: »

We've never made a claim before so I don't know how these things work. But if she has NCB protection, why would it show on the cert? I'm not into making bogus claims or trying to hoodwink insurance companies. But she's just afraid that her premium will skyrocket now. If that's the case, what's the point paying of NCB protection. Guess we'll find out at renewal...

You will find out how much BP is worth if you ever have to make a claim and haven't got it. When I was renewing mrs O's policy a while ago the Las in the ins co told me if we hadn't got it the premium would have gone up bu @ €2k. Instead it came down @ €50/€60

recently because of covid we have been allowed take our work vans home (an post) ,so i drive my car in monday morning,and dont use it again until fri afternoon,so almost 4 days non use. my car is parked behind coded gates only staff can access,in a major sorting office,no public access. i rang insurance to tell them id moved address and wanted to change the details,they asked was this where car is parked overnight during the week,my new address is a rural address,and my previous was also rural,and hour between address,west of ireland.

so i told them about how its now parked up most of the week,behind coded gates,in a secure position held by a semi state company,with a lot of security. and she told me it would cost me an xtra 40+ euro to drive the car almost 60% less ,and during that time,the car is more secure than it would be when its parked at home. and they wanted xtra money off me ! needless to say i was flabbergasted and told her to check with her boss as this couldn't be right.


the xtra charge was because its not parked at my house.

said she would contact me in a day or so.

SCOOP 64 wrote: »

I wouldn't have complicated matters myself and told them that its parked at work 4 days because you got temporary use of work van.

Insurance is technically void if I hadn't

Wife
Age- old enough to be your mother.
Car - 3 series auto.
No claims, no points.

Me as named driver. Similar age, no claims, no points


Aviva renewal €482
AIG €318 INCL 20% online disc. (definitely the lowest ever for her)