Car insurance - tell us your quotes/renewals

schmoo2k · 12-07-2019 10:05am

cat_xx wrote: »

My insurance last year with Liberty was €1,000, got my renewal quote this week, €1,800!! No claims or penalty points or changes to my policy. Got a quote with liberty having my car at my home address in a different county to the one I currently live in and the premium was €800.

Absolute madness

It is quite common for insurance companies to load prices when they have too many customers close together - like houses on a street, you don't want to insure all of them in case there is an event which affects them all.
I am not saying this is happening in your case, but rather as an example of counter intuitive loading policies (which are not personal).

Mc-BigE · 12-07-2019 10:08am

Age:me 48, wife as named driver, approx same age
Car: 152 116D
Years driving: me 20+ years full irish licence, wife the same
claims: none in the last 7 years, wife the same

renewal price: 618 with supervalu (AIG)
price and provider quote: 800 with liberty
401 123.ie (no NCD protection)

some of the questions been asked now are getting crazy,

have you had an accident in the last 5 years that wasn't your fault?

have you claimed for windscreen damage, thought this didn't effect NCD?

also even a quote can sound cheap, it can be missing breakdown, legal expenses, NCD protection, step back and the excess can vary from 500 to 200

can someone explain the above addons, is legal expenses worth it?
whats the difference between stepback verse NCD protection.

is it worth paying the 500 excess on a say 15000 car or should the figure be lower?

thanks

Eggs For Dinner · 12-07-2019 12:59pm

cat_xx wrote: »

My insurance last year with Liberty was €1,000, got my renewal quote this week, €1,800!! No claims or penalty points or changes to my policy. Got a quote with liberty having my car at my home address in a different county to the one I currently live in and the premium was €800.

Absolute madness

Do not misrepresent your correct circumstances in order to obtain a lower quote, just my advice.

cat_xx · 12-07-2019 1:32pm

Eggs For Dinner wrote: »

Do not misrepresent your correct circumstances in order to obtain a lower quote, just my advice.

Thanks, I definitely won't. I just wanted to see if I could figure out why my premium went up and I did!

Midnight_EG · 12-07-2019 1:57pm

Midnight_EG wrote: »

27, Male in Tallaght with 25 year old Spouse
2005 BMW E60 530d
3 points, 10+ years no claims/0 points and 1 year no claims

Renewal from KennCo: €1749 :O
Fresh quote from 123.ie €688.54

I'll have that

Went to buy this today, and it's down a further €44

Mc-BigE · 12-07-2019 2:38pm

123.ie (RSA i think) seem to be undercutting a lot of the quotes on this thread at the moment

Sadb · 13-07-2019 6:34pm

Just checking around as my insurance is up next month. We changed to a diesel a few months back and now all the quotes are very high. Has anyone else experienced this with diesel?

StonedRaider · 14-07-2019 2:16am

Mc-BigE wrote: »

123.ie (RSA i think) seem to be undercutting a lot of the quotes on this thread at the moment

Coming in the cheapest for us this year as well. What are they like to deal with?

Mc-BigE · 15-07-2019 10:19am

StonedRaider wrote: »

Coming in the cheapest for us this year as well. What are they like to deal with?

never had an issue with 123, but never had to claim from them , which id imagine is not easy with any insurance company.

i just got a better quote from 25plus.ie (AIG) than 123.ie this morning,

highest 900 ish fully comp, down to 420 fully comp. all the bells and whistles.

quotes are all over the place.

grogi · 16-07-2019 3:09pm

Mc-BigE wrote: »

never had an issue with 123, but never had to claim from them , which id imagine is not easy with any insurance company.

i just got a better quote from 25plus.ie (AIG) than 123.ie this morning,

highest 900 ish fully comp, down to 420 fully comp. all the bells and whistles.

quotes are all over the place.

I did claim from RSA. What a pain that was.

marcos_94 · 17-07-2019 4:42pm

Sadb wrote: »

Just checking around as my insurance is up next month. We changed to a diesel a few months back and now all the quotes are very high. Has anyone else experienced this with diesel?

I had a 2008 BMW 320d (2L diesel) last year and got a quote for renewal of about €1250. I happened to be looking at a 2008 325i (3L Petrol) so got a quote and RSA quoted €950.... never made sense to me as both cars were identical bar colour and engine. Only way i can explain it logically is a reputation some diesel models (golfs, passats, 320d's, etc) have with young lads?

Tommyboy40 · 18-07-2019 1:06am

Mrs T's renewal
Car 142 Alfa Guiletta 170bhp
Age 39, full license, full ncb
Last year on a 2005 Yaris €490
This year on the Alfa €690
Comp, agreed value, etc
Chubb Masterpiece. Didn't shop around, cover is more important than price

Browney7 · 18-07-2019 9:27pm

29 year old with no no claims bonus, 3 years named driver experience, VW golf 1.6. licence for ten years. Added mother as named driver

Aviva: no quote
AIG 2800
Allianz 1154
AXA direct 1800ish
Zurich 1700
AXA through a broker 1130
Liberty: 1250
RSA/123 1700ish
Kennco: 1220
AXA direct 1800

Odyssey 2005 · 18-07-2019 10:32pm

Browney7 wrote: »

29 year old with no no claims bonus, 3 years named driver experience, VW golf 1.6. licence for ten years. Added mother as named driver

Aviva: no quote
AIG 2800
Allianz 1154
AXA direct 1800ish
Zurich 1700
AXA through a broker 1130
Liberty: 1250
RSA/123 1700ish
Kennco: 1220
AXA direct 1800

No no claims bonus because of an accident or no ins in your own name ?.
Surely the names driver experience can be used ??

Browney7 · 18-07-2019 10:58pm

Odyssey 2005 wrote: »

No no claims bonus because of an accident or no ins in your own name ?.
Surely the names driver experience can be used ??

None in own name, lived abroad a few years ago. The three years named experience got me a quote but still dear. Without the second driver on the policy it would have been much dearer again

Odyssey 2005 · 18-07-2019 11:21pm

Browney7 wrote: »

None in own name, lived abroad a few years ago. The three years named experience got me a quote but still dear. Without the second driver on the policy it would have been much dearer again

They are stupid money quotes.

cat_xx · 19-07-2019 1:45pm

cat_xx wrote: »

My insurance last year with Liberty was €1,000, got my renewal quote this week, €1,800!! No claims or penalty points or changes to my policy. Got a quote with liberty having my car at my home address in a different county to the one I currently live in and the premium was €800.

Absolute madness

I have since gone to a broker and got a quote for €870 with axa, delighted!!

Tommyboy40 · 20-07-2019 9:23am

To illustrate the insanity of our system, my 23 year old daughter just got a quote.
Brand new full license.
No driving history
Car will be brand new Polo comfort line 60bhp
€1437 Comp with AXA
I was quite €2,700 by Aviva for my car, 2005 Mercedes CL500
I'm 51, driving forever with no points or claims

Midnight_EG · 22-07-2019 9:12am

Tommyboy40 wrote: »

To illustrate the insanity of our system, my 23 year old daughter just got a quote.
Brand new full license.
No driving history
Car will be brand new Polo comfort line 60bhp
€1437 Comp with AXA
I was quite €2,700 by Aviva for my car, 2005 Mercedes CL500
I'm 51, driving forever with no points or claims

They seem to be looking after new female drivers again. To add my missus onto my 530d was only €7, but bare in mind she only has her license a year and now only 1 years no claims

my3cents · 22-07-2019 9:40am

Midnight_EG wrote: »

They seem to be looking after new female drivers again. To add my missus onto my 530d was only €7, but bare in mind she only has her license a year and now only 1 years no claims

Maybe they know you won't actually be letting her drive it

Cows Go µ · 22-07-2019 1:13pm

Midnight_EG wrote: »

They seem to be looking after new female drivers again. To add my missus onto my 530d was only €7, but bare in mind she only has her license a year and now only 1 years no claims

That's nothing to do with her gender. Pretty much every single insurer has an insured and spouse discount which is outweighing her lack of experience. If she was an experienced driver you would have been getting money back

Midnight_EG · 22-07-2019 1:28pm

my3cents wrote: »

Maybe they know you won't actually be letting her drive it

She took it to work this morning :pac:

Cows Go µ wrote: »

That's nothing to do with her gender. Pretty much every single insurer has an insured and spouse discount which is outweighing her lack of experience. If she was an experienced driver you would have been getting money back

I'm 100% certain it is, as I reversed the quote and to add me on was €750 bringing the total quote to twice the price of what I got it for

Eggs For Dinner · 22-07-2019 1:32pm

Midnight_EG wrote: »

I'm 100% certain it is, as I reversed the quote and to add me on was €750 bringing the total quote to twice the price of what I got it for

It won't have anything to do with it, unless you are both the exact same age, occupation and have the same driving history

Fanny Wank · 22-07-2019 7:19pm

Midnight_EG wrote: »

I'm 100% certain it is

You're 100% wrong

accensi0n · 22-07-2019 8:51pm

Browney7 wrote: »

29 year old with no no claims bonus, 3 years named driver experience, VW golf 1.6. licence for ten years. Added mother as named driver

Aviva: no quote
AIG 2800
Allianz 1154
AXA direct 1800ish
Zurich 1700
AXA through a broker 1130
Liberty: 1250
RSA/123 1700ish
Kennco: 1220
AXA direct 1800

Very very similar to myself last year. 32 years old, no NCB, 3 years named driver experience, license for 10 years.
1100 with AXA through AA.

jeffk · 23-07-2019 11:47am

Breaking the 1K mark again :mad:

37, no claims etc, over ten years driving, full licence, 2010 1.6 ford focus, herself on it as some say help

123
695.60
25 Plus
924 Can't drive other cars
AA
706 Breakdown 60 Extra
AIB
1115.22
AIG
1081.98
Allianz
€604.07
An Post
677, can't go below 600
Aviva
802.16
AXA
1,021.58
Blue Insurance
1077.28 no windscreen a more
BOI
445
Chill
752
FBD
900
Liberty Insurance
807

wotzgoingon · 23-07-2019 3:53pm

I can't believe you bothered ringing or getting online quotes after BOI €445. If I got that quote that would be it done and dusted.

jeffk · 23-07-2019 3:54pm

wotzgoingon wrote: »

I can't believe you bothered ringing or getting online quotes after BOI €445. If I got that quote that would be it done and dusted.

That was one of the last as their website wont load.

So i done online places and then rang BOI and the automated service said we will send email and tried it on phone and worked

Odyssey 2005 · 23-07-2019 5:39pm

wotzgoingon wrote: »

I can't believe you bothered ringing or getting online quotes after BOI €445. If I got that quote that would be it done and dusted.

My renewal came in at €320. I called them and got it with extrasms for €280. Its always worth a call.

wotzgoingon · 23-07-2019 6:32pm

Odyssey 2005 wrote: »

My renewal came in at €320. I called them and got it with extrasms for €280. Its always worth a call.

What are you driving?

Car insurance - tell us your quotes/renewals

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