Car insurance - tell us your quotes/renewals

NIMAN · 18-09-2019 11:33pm

NIMAN wrote: »

2016 Golf, last years was €419, renewal of €416.
Allianz.

Did a lot of searching online for a better quote, none came remotely close.
Average was around the €500 mark.

So I called to renew and asked could they do it for €400. They did it for €399:D

So I now have both cars costing me under €400. Happy enough with that.

893bet · 22-09-2019 11:00pm

irishneo wrote: »

Age: 39
Car: 2015 Audi S1
Cover: Comprehensive
Penalty points: 0

renewal quote with 123.ie: €791

Renewed with 123.ie for €492

How did you get 300 off from your renewal?

grogi · 23-09-2019 12:43pm

893bet wrote: »

How did you get 300 off from your renewal?

You get a new quote.

lawred2 · 23-09-2019 1:02pm

grogi wrote: »

You get a new quote.

straight up example of gouging and a clear illustration of how these decisions are not made based upon risk..

how is unknown new business less of a risk than the known claims free existing customer?

in a nutshell that's why I switch insurer every single year... pain in the balls going through the same process for two cars but it is what it is

tobdom · 27-09-2019 9:58am

Wife's policy renewal.....

Age: 38 (additional driver 36, own spearate car)
Car: 2015 SEAT Alhambra 2.0d (140), value ~€20k
Cover: Comprehensive
NCD: 7+
Penalty points: 0 (additional driver 3)
Full Irish DL (15+ years), no claims ever

Current insurer Aviva, last year's premium €565 (changed car from 2013 Mondeo to above mid year)
Aviva Renewal quote: €697 (includes multicar discount, full NCD protection)

Best of quotes from the hunt, AIG (Deluxe Comp cover with full NCD protection) = €542!!
Several other quotes cheaper than Aviva also.

Since we have been with Aviva (2 cars), for the last few years, we haven't been able to beat their renewal quote any year. Maybe last year, there was up to €20 to be saved with some quotes, but not enough to bother changing.
This year, Aviva have gone off the charts!! I guess there comes a time when you no longer fit a particular insurer's target profile as a driver/person, or else you buy a type of car which doesn't fit their target profile.

Anyway, changing to AIG it is so!

km79 · 28-09-2019 2:07pm

Looking for advice for my brother
He is 37 but is just starting off driving. Has provisional but no previous driving experience at all........who is he best to look for quotes from ? Are Brittons still on the go and best for someone in his situation?
Car is likely to be a 2005 focus which might also lessen his quote options given its age

Just tried Brittons online
quote given
NINE THOUSAND EURO

Cork Trucker · 28-09-2019 2:31pm

km79 wrote: »

Looking for advice for my brother
He is 37 but is just starting off driving. Has provisional but no previous driving experience at all........who is he best to look for quotes from ? Are Brittons still on the go and best for someone in his situation?
Car is likely to be a 2005 focus which might also lessen his quote options given its age

Just tried Brittons online
quote given
NINE THOUSAND EURO

Liberty or Quinn Direct as they were in my time were the best for young/inexperienced drivers. AXA are also worth a shout.

NIMAN · 28-09-2019 2:34pm

km79 wrote: »

Looking for advice for my brother
He is 37 but is just starting off driving. Has provisional but no previous driving experience at all........who is he best to look for quotes from ? Are Brittons still on the go and best for someone in his situation?
Car is likely to be a 2005 focus which might also lessen his quote options given its age

Just tried Brittons online
quote given
NINE THOUSAND EURO

#

:eek::eek::eek:
Take the bus!

markc1184 · 29-09-2019 7:02am

Other half got her renewal from Axa on Friday.

182 Skoda Karoq style 1.0 115bhp
34 years old
Full licence 10 years
Full NCB
Renewal quote fully comp €603 up from €585 last year.

lawred2 · 29-09-2019 7:50am

markc1184 wrote: »

Other half got her renewal from Axa on Friday.

182 Skoda Karoq style 1.0 115bhp
34 years old
Full licence 10 years
Full NCB
Renewal quote fully comp €603 up from €585 last year.

You'll beat that quote as new business elsewhere

pwurple · 29-09-2019 7:55am

Age 41, additional driver with own car 45
Car : nissan leaf 2015
NCB :9 years
No points on full license.

Liberty insurance: 382 euro.

Fyi quotes about on 2005 car... My neighbours sold their car for that reason. The 10+ year old cars are being hammered by insurance. Get some test quotes with a different car.

johndaman66 · 29-09-2019 9:23am

km79 wrote: »

Looking for advice for my brother
He is 37 but is just starting off driving. Has provisional but no previous driving experience at all........who is he best to look for quotes from ? Are Brittons still on the go and best for someone in his situation?
Car is likely to be a 2005 focus which might also lessen his quote options given its age

Just tried Brittons online
quote given
NINE THOUSAND EURO

€9,000 is pretty much a pfo quote. They do not want his business. He might be better to aim for a much newer car if that's an option. Also if he could aim to pass his test before he went out on the road just like I had to do away back in the day to afford insurance it should make a very notable difference.

tom_k · 29-09-2019 10:14am

That time of year again,
Age: 40s
Licence : Full Irish no points, no convictions.
NCD: 15+ yrs, no claims ever.
Rural dweller, Mayo.
Wife as named driver with own car, full Irish long term, no points, claims or convictions.

Car: 2010 VW Passat 2.0 Tdi

Policy: Fully comp, with ncd protection, SDP with commuting

Had been with Axa via the AA, renewal from AA came from Aviva at €559, subsequently reduced to €504.
AXA: €501
123.ie : €600
Liberty: €565
Fbd: €590
25plus: €474

The winner was Allianz at €450 obtained through a broker (Hastings, Tuam)

As always pays to shop around, this took me a little over an hour including making payment representing a potential saving of €150 between lowest and highest.

DaveyDave · 30-09-2019 5:50pm

DaveyDave wrote: »

26 driving a 172 Golf Highline 1.0 110hp. 1 year NCB, no claims. €1,020 with Liberty including 10% multipolicy discount. Down from €2,500 the previous year and it's €300 less than I expecting on a recent quote.

27
172 Golf Highline DSG 1.0 110hp
2 years NCB, no claims.

I've added a provisional driver so policy has gone up slightly. Renewal was initially €1,123 but they emailed a 5% discount so it's €1,066.

A new policy for me would be €915 and adding a provisional would be €1,355, it seems the renewal is a decent saving this year. Last year a new policy was €20 cheaper than my renewal!

H3llR4iser · 30-09-2019 6:04pm

This just in this morning, renewal with Allianz through the AA:

Age: 39
License: Full Irish License (0 points)
NCB: 7 years
Car: 2006 Alfa 159 1.9 JTS
City: Dublin

TPFT came in at 775 Euro. Better than last year (910), but I'm still going to keep them on the grill until the end of the month (they have miraculously contacted me with "discounts" every years I got the renewal invitation and duly ignored them). Obviusly, gonna get other quotes as well.

cyclops999 · 03-10-2019 7:36am

Trying to log on to its4women.ie website to no avail, keep getting timed out notice anybody having same problem

Agricola · 14-10-2019 12:19pm

Age/location: 37, Kilkenny
Car: 2006 BMW 320d Saloon
Cover: TPFT
NCD: 10+ years
Penalty points: None

Bank of Ireland renewal - €385 (up from €360 last year)

Had a quick look around for another quote. Axa, Aviva, AA, An Post, all coming in at €600 to €800. The nearest I got to my renewal price was with BoI themselves as a new customer, €445. It's really not even worth my while ringing them to haggle, like last year, they know damn well there's no other option which will even come close. Still, in the current climate can't complain with that for a 13 year old 2L car.

wotzgoingon · 14-10-2019 2:35pm

You actually went looking around to beat a €385 quote.....

jack of all · 14-10-2019 5:02pm

My wife's policy this time:

Age/location: 45, Laois
Car: 2015 Skoda Octavia 1.6
Cover: Comprehensive + driving for work, bonus protection
NCD: 10+ years
Penalty points: None
Claims: none

Renewing with Aviva for €496 after ringing them twice to get them down to this. Spent about 3 hours ringing around and online to get comparative quotes best was AIG at €670, worst FBD at close to €800, all others in or around €700

Hate this circus every year at renewal times for our respective cars, especially when we're both penalty point and claim free.

Hildah · 15-10-2019 6:12pm

Age: 51
Car: 2016 Mercedes C300h 2.1lt Diesel Automatic Estate, value ~€25k
Cover: Comprehensive
NCD: Max
Penalty points: 0
Full Irish Driving Licence

Renewal with An Post Insurance €585 (excess 250)

Quotes from the following:

AXA €781 (excess 500)
AA €762 (excess 500)
123.ie €842 (excess 300)
Allianz €651 (excess 250)
Liberty €716 (excess 300)
Aviva €799 (excess 300)

AIG and Its4Women wouldn't quote at all.

I will renew with an Post but will haggle for them to remove the €50 Renewal Fee! It's almost like they're penalising me for being a loyal customer. In addition, if you purchase Post Insurance and pay with their Smart Money Debit Card, you get 5% cash back FYI

fermanagh_man · 15-10-2019 8:17pm

Age - 34
Location - Dublin
Car - Hyundai Tucson 2017 - Executive model
NCB - 6 Years
No penalty points or claims

Wife named driver, no penalty points but 1 claim of 3K her NCB not effected

Renewal with 123 for €607
Settled with AnPost for €549 full NCB protection etc

Other quotes from 700-950

selous · 17-10-2019 7:44pm

Renewal time again, Post insurance, E560 last year, E640 this year, same person same car, only both a year older this year.

Chill 680

Went on web, Post insurance E480 or E504 with (optional) step back, Happy days says I, I rang them the next day,
Him.. this is new business i'll pass you over to renewals, please wait.

Her, Your renewal is 640, how would you like to pay...
Me, I wouldn't, I got a quote off your site for 480/504
Her, with what company?
Me, You, Post insurance.
Her, We cant match that quote
Me, IT WAS WITH YOUR COMPANY.
Her, Oh, reference number please, oh yes, 540,
Me, NO, 504
Her, sorry, we cant do it, you'll have to let your policy lapse and go back to new policies, oh you have let it lapse...
Me, NO....its not lapsed till November
her, Oh yes, I see that, I'll pass you back.
I hung up. FFS

M7roadrunner · 17-10-2019 10:26pm

Your Age: 40
Car type and engine: 2007 520d touring
years driving: 18yrs
any claims: Nil
Price and provider: 123.ie. €524 FC

Was with the AA for the last few years, always had older Bmw. Renewal quote was €853 this year.
Looked around a few websites and quotes ranged from €1374 to €650, all for FC with step back protection.
123.ie was cheapest by €95 from the next best quote. I left for two days while I considered (checked I didn’t make a mistake) and when I went to buy, it had dropped by another €30.
That’s a decent saving of over €300 from my renewal price.

Just to note, I put in my details into the AA website as a new customer, and got a quote (with a web discount) of €773.

ToxicPaddy · 17-10-2019 10:34pm

My car insurance is up next month, not looking forward to this whole fiasco again. I moved from Dublin 1 to North Co. Dublin and was charged €23.10 to change my address on the policy :rolleyes:

But if I can get a decent quote like last year €425 Fully Comp for the details below I'll be happy.

2001 A6 1.8T
44 + better half as named driver
Dont use for commute
20 years with no claims
Provider: AXA

Let's see how we go. From reading the previous pages, it could be fun!!

uck51js9zml2yt · 17-10-2019 10:39pm

Age: 37
Car: kuga
Years driving: 10+ND 1year ncb
Claims: Nil
Price & Provider. €1450 123.ie renewal...€850 it's for women new customer

rn · 17-10-2019 11:07pm

Age: 39
Car: 161 vw passat 1.6 Tdi.
Years driving: 19 + 9 years ncb
Claims: 0
Points:0
Renewal: alliance thru glennon, 583. Last year 550.
Quotes: chill insurance 700-1400 for equivalent comp policies. It's for women 425 for standard, 473 for gold fully comp.

wotzgoingon · 17-10-2019 11:31pm

My insurance shot up this year, well the renewal quote I got. Checked around and they are still the cheapest.

1998 1.6 Jap import Toyota Levin BZ-R

~€800

H3llR4iser · 18-10-2019 2:29pm

Agricola wrote: »

Age/location: 37, Kilkenny
Car: 2006 BMW 320d Saloon
Cover: TPFT
NCD: 10+ years
Penalty points: None

Bank of Ireland renewal - €385 (up from €360 last year)

Had a quick look around for another quote. Axa, Aviva, AA, An Post, all coming in at €600 to €800. The nearest I got to my renewal price was with BoI themselves as a new customer, €445. It's really not even worth my while ringing them to haggle, like last year, they know damn well there's no other option which will even come close. Still, in the current climate can't complain with that for a 13 year old 2L car.

385 is INSANELY good, your profile is pretty much the same as mine, with an equivalent car of the same age. The 600-800 quotes you got are pretty much bang on, same as I got - cheapest is 604 from....Allianz, which incidentally is the same provider the AA sent me the 775 quote for.

The AA have started sending me texts - now they offer a 55 Euro discount. They tried calling me today, didn't pick up. I won't renew until the very last day, as usual

Pudsey64 · 19-10-2019 8:43pm

Age 55
Location Meath
No penalty point's.
Full NCB
Car 2013 Audi A3 1.6TDI
Renewal Quote from Supervalu/AXA , Comp. €631.90
Comp. from AIG 394.00
No more searching.

Vladi_ · 22-10-2019 10:42am

M7roadrunner wrote: »

Your Age: 40
Car type and engine: 2007 520d touring
years driving: 18yrs
any claims: Nil
Price and provider: 123.ie. €524 FC

Was with the AA for the last few years, always had older Bmw. Renewal quote was €853 this year.
Looked around a few websites and quotes ranged from €1374 to €650, all for FC with step back protection.
123.ie was cheapest by €95 from the next best quote. I left for two days while I considered (checked I didn’t make a mistake) and when I went to buy, it had dropped by another €30.
That’s a decent saving of over €300 from my renewal price.

Just to note, I put in my details into the AA website as a new customer, and got a quote (with a web discount) of €773.

Same thing happened to me.

Age:34
Car: 06 Mini, 1,6
1 year no claim

Last year was my first insurance ever. Got €2100 with Allianz through the AA. Renewal was €1900. Quote I've got off the AA as a new customer was €980 with Aviva and that'a what I went with.

Cork Trucker · 22-10-2019 12:51pm

DavidClarke72 wrote: »

The Details as below

Age:28
Car: CO2 EMISSIONS (G/KM)
153
Years driving: 5
claims: No
price and provider: best price after compare of all with Britton Insurance (https://www.brittoninsurance.ie/car-insurance.html) , Reasonable price considering

What’s the car?

fitzy09 · 23-10-2019 2:22pm

2004 1.6 Corolla

Age 21
Full Clean license no points or claims etc
2 years no claims

Renewal with kennco came in at 1600e
123.ie and chill were 1700ish

Kennco brought it down to 1280 over the phone, fully comp

selous · 23-10-2019 5:25pm

selous wrote: »

Renewal time again, Post insurance, E560 last year, E640 this year, same person same car, only both a year older this year.

Chill 680

Went on web, Post insurance E480 or E504 with (optional) step back, Happy days says I, I rang them the next day,
Him.. this is new business i'll pass you over to renewals, please wait.

Her, Your renewal is 640, how would you like to pay...
Me, I wouldn't, I got a quote off your site for 480/504
Her, with what company?
Me, You, Post insurance.
Her, We cant match that quote
Me, IT WAS WITH YOUR COMPANY.
Her, Oh, reference number please, oh yes, 540,
Me, NO, 504
Her, sorry, we cant do it, you'll have to let your policy lapse and go back to new policies, oh you have let it lapse...
Me, NO....its not lapsed till November
her, Oh yes, I see that, I'll pass you back.
I hung up. FFS

I rang them back to accept the quote.
he wanted to pass me back to renewals...NO I said done all that, I want the new quote, gave him the ref number,
Yes he says, that's E504, how do you want to pay, instalments or full?
gave him credit card details, thank you, goodbye...
last year, I was told benefits of what I was getting, what was included as standard, key cover was there if I wanted it, would I find any benefit in another option,,
This year was, thanks for your money, goodbye.

GodlikeRed · 24-10-2019 9:38am

2008 1.4 Auris

Age 28
Full Clean license no points or claims etc
3years no claims

Renewal €1213 AA (funny lads in the AA)

123.ie €1061
25plus €1288.81
AA Ireland €916 new quote
AIG €920
Aviva €993
Axa €1263
BoI €1065
Chill.ie €1000
FBD €1,003.22
Liberty €914

Went with Liberty €868.39 over the phone, extra discount for paying in full. I got tired of shopping around....I think its a decent deal anyway.

lawred2 · 29-10-2019 11:20am

I really don't understand some of these quotes here... Like a lot of people here - thirties, clean licences, pretty much full NCDs

Both of our cars - a 2007 Golf 1.4 and a 2018 Peugeot 5008 1.2 are insured for €350

Yet 800/900/1000 seems to be the mean operating temperature...

What exactly are the risk assessors pivoting so heavily on? Career?

Lily_Aldrin7 · 29-10-2019 11:38am

Nissan Micra 2005 1.2
Age 30
First ireland €950
No claim bonus 3 years, full clean driving license
That’s the best I got by €200-€300
Not too different from last year when it was €1000
I wonder if I get a newer car, would I get cheaper insurance or does it get more expensive

ofcork · 29-10-2019 10:42pm

lawred2 wrote: »

I really don't understand some of these quotes here... Like a lot of people here - thirties, clean licences, pretty much full NCDs

Both of our cars - a 2007 Golf 1.4 and a 2018 Peugeot 5008 1.2 are insured for €350

Yet 800/900/1000 seems to be the mean operating temperature...

What exactly are the risk assessors pivoting so heavily on? Career?

A lot of factors I'd say like in my case being the only driver of the car paid 738 on an avensis at 48 full license no claims/points etc.

accensi0n · 31-10-2019 3:24pm

accensi0n wrote: »

Got AA/AXA down to 1049 and went with them. So 19 not to bother setting up with a new company.. :pac:

This was for comprehensive.

Had to change address on my policy recently, 15 mins down to road, D14 to D18. 182 euro....

Charles Leclerc · 04-11-2019 8:08pm

Age: 32
Car: 2012 Mondeo Zetec BE
NCB: 6 years
No penalty points.
Location: Laois

123.ie: Last year's price - €538. Renewal - €683.

Rang them up and the guy said he couldn't go any lower than €656 so I said thanks but no thanks. Out of curiosity, I went onto their site for a new quote and got one for €514. Am I allowed go ahead with this considering it's the same company? Won't they notice when they get the NCB letter that they'll send me? :pac:

SCOOP 64 · 04-11-2019 8:22pm

Charles Leclerc wrote: »

Age: 32
Car: 2012 Mondeo Zetec BE
NCB: 6 years
No penalty points.
Location: Laois

123.ie: Last year's price - €538. Renewal - €683.

Rang them up and the guy said he couldn't go any lower than €656 so I said thanks but no thanks. Out of curiosity, I went onto their site for a new quote and got one for €514. Am I allowed go ahead with this considering it's the same company? Won't they notice when they get the NCB letter that they'll send me? :pac:

Its been done on here before, cant see it being a problem, i would sign up with it and go ahead as new customer.

septicsac · 06-11-2019 6:10am

Car: 161 Skoda Superb 2.0L 150bhp auto
Insurance - Fully comp class 1 limited business use, no points, convictions 20+ rs claims free in own name full licence
Current Ins: IFW renewal - 500
25+ 411
AIG 410
Liberty 900 always dear for me
everyone else anything from 600-800

AIG it will be, fed up looking, but will put a broker on it to se if anything lower, but doubt it.

lawred2 · 06-11-2019 8:21am

38 male North Dublin
Clean Irish licence with full NCD
2018 Peugeot 5008
Renewal notice with its4women of 410

Got new business quote from 25plus (which are effectively the same company) for 350 full comp

grogi · 06-11-2019 10:54am

lawred2 wrote: »

38 male North Dublin
Clean Irish licence with full NCD
2018 Peugeot 5008
Renewal notice with its4women of 410

Got new business quote from 25plus (which are effectively the same company) for 350 full comp

Did you use the discount code for both of them?

lawred2 · 06-11-2019 11:03am

grogi wrote: »

Did you use the discount code for both of them?

no

didn't know there was one

the quote did mention €40 off for buying online though

grogi · 06-11-2019 11:13am

lawred2 wrote: »

no

didn't know there was one

the quote did mention €40 off for buying online though

LQ456 if you didn't complete your purchase yet.

lawred2 · 06-11-2019 11:25am

grogi wrote: »

LQ456 if you didn't complete your purchase yet.

I have

What's the discount?

grogi · 06-11-2019 1:46pm

lawred2 wrote: »

I have

What's the discount?

€30

bigboss1986 · 06-11-2019 2:35pm

Wife's car 132 Megane 1.5d ,age 33 9+ NCB ,no points,me as 2nd driver

Fully comp,glass,bonus protection,keys covered and driving other cars 3rd party

Last year Allianz 652e

Renewal 599,new quote with Allianz 598 :pac:

I rang them and they could do for 595 :rolleyes:

Spent all monday calling (i think) most companies

Went with An Post insurance(Aviva) fro 431euro

Fully comp,glass,two drivers,keys,brakedown.

Paid in full as paying monthly was 60 euro more expensive :eek:

This year was the cheapest insurance ever for her:cool:

petronius · 06-11-2019 5:49pm

I was investigating car insurance for a older relative, who was flat refused a quote by 2 insurance companies since he is over 75, despite never having a claim, or a penalty point, has a full licence, and his car over 15 years old with less that 5k mileage per year has its NCT.

Why can you not insure yourself with a foreign insurance company? we get filleted for everything in this country.

I believe insurance for an 80 year old in the UK is about €200?

Eggs For Dinner · 06-11-2019 7:39pm

petronius wrote: »

Why can you not insure yourself with a foreign insurance company? we get filleted for everything in this country.

I believe insurance for an 80 year old in the UK is about €200?

EVERY insurer in Ireland, with the exception of FBD, is a foreign company. The same insurers offering reasonable premiums elsewhere, have adjusted their rates here to reflect the claim conditions in this jurisdiction

Car insurance - tell us your quotes/renewals

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