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Car insurance for >15 year old cars

12467…18

Comments

  • #152
    tanko
    Registered Users, Registered Users 2 Posts: 9,290 ✭✭✭tanko


    cplwhisper wrote: »
    Insuring a 2nd car in your name for you only driver on both cars is possible
    BUT
    with additional drivers will be complicated as whom would be main driver of each car

    If Puma is THunder model then best be sitting down

    Which insurance companies is this possible with?


  • #153
    Bananaleaf
    Registered Users, Registered Users 2 Posts: 2,921 ✭✭✭Bananaleaf


    Got my renewal quote today from 123.ie. €582 for a 00 Ford 1.7. Third party fire and theft.

    In 2016 I paid €440
    In 2015 I paid €365

    Jaysus. Although I was expecting worse. I can - at least - afford this. I reckon it will be in vain but will shop around tomorrow.


  • #154
    cruizer101
    Registered Users, Registered Users 2 Posts: 3,205 ✭✭✭cruizer101


    Got my renewal and was pleasantly surprised. Driving a 99 2.0 Honda Accord, which even last year I had trouble getting a quote. Last years was 506 with 4 years no claims, this year 456 with my 5 years no claims. To be honest at that rate I'm not even going to bother ring around, or even ring them in case it is a mistake.
    That's with Bank of Ireland insurance, I know on their website they won't accept older cars but given my renewal I would say could be worth ringing for others with older cars. I am getting 100 ish off for being customer also.


  • #155
    Discodog
    Registered Users, Registered Users 2 Posts: 15,918 ✭✭✭✭Discodog


    Bananaleaf wrote: »
    Got my renewal quote today from 123.ie. €582 for a 00 Ford 1.7. Third party fire and theft.

    In 2016 I paid €440
    In 2015 I paid €365

    Jaysus. Although I was expecting worse. I can - at least - afford this. I reckon it will be in vain but will shop around tomorrow.

    Try these guys
    http://bjp.ie/contact-us/


  • #156
    Kalimah
    Registered Users, Registered Users 2 Posts: 1,250 ✭✭✭Kalimah


    Bananaleaf wrote: »
    Got my renewal quote today from 123.ie. €582 for a 00 Ford 1.7. Third party fire and theft.

    In 2016 I paid €440
    In 2015 I paid €365

    Jaysus. Although I was expecting worse. I can - at least - afford this. I reckon it will be in vain but will shop around tomorrow.

    We got our renewal from 123.ie for our 01 1.6 Focus - €719
    That's up from less than €400 last year. No claims, no points etc etc.
    I tried putting my own car's ( 2007 Focus) details in on the 123.ie with hubby's age and driving profile and got a quote of €463


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  • #157
    student7890
    Registered Users Posts: 248 ✭✭student7890


    I tried a new quote with 123.ie for a 15 year old Ford Focus 1.4, TPFT

    I'm over 50 with 9 years no claims, no penalty points, they would not insure me.

    This was after 25+ bumped their renewal from €356 to €600

    I headed off to Allianz (thanks guys) where a new quote is €476.

    I'm going to drive a safe, roadworthy and tested car for another year.

    Beam me up Scotty.



  • #158
    TheRiverman
    Registered Users, Registered Users 2 Posts: 6,230 ✭✭✭TheRiverman


    The Insurance Companies screwing us for having older cars on the roads makes a mockery of the NCT.What is the point of having this test if the Insurance Companies don't recognise it?


  • #159
    boardsuser1
    Closed Accounts Posts: 6,196 ✭✭✭boardsuser1


    TheRiverman wrote: »
    The Insurance Companies screwing us for having older cars on the roads makes a mockery of the NCT.What is the point of having this test if the Insurance Companies don't recognise it?

    Taxi's aside they'll change the law and bring it down from 4 years to 1 years for a first NCT, same as the CVRT at that, ANNUALLY :mad:


  • #160
    Jurgen Klopp
    Closed Accounts Posts: 1,807 ✭✭✭Jurgen Klopp


    Car just turned 16 years old.

    Last year 700 third party with liberty

    Today renewal is 2679

    Off the road for me I'd say

    Tried chill brokers: no one else bar liberty would even quote


  • #161
    joeysoap
    Registered Users Posts: 6,252 ✭✭✭joeysoap


    Jurgen Klopp wrote: »
    Car just turned 16 years old.

    Last year 700 third party with liberty

    Today renewal is 2679

    Off the road for me I'd say

    Tried chill brokers: no one else bar liberty would even quote

    Disgraceful treatment from insurance companies. Not a 15 year old car, but a friend of mine who has 5 year old VW Golf, no claims, 6/7 years driving, just turned 30, premium last year €800 this year €1300. We are being screwed.


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  • #162
    Jurgen Klopp
    Closed Accounts Posts: 1,807 ✭✭✭Jurgen Klopp


    joeysoap wrote: »
    Disgraceful treatment from insurance companies. Not a 15 year old car, but a friend of mine who has 5 year old VW Golf, no claims, 6/7 years driving, just turned 30, premium last year €800 this year €1300. We are being screwed.

    Ah here that's ****in nuts how can that be justified?


  • #163
    beauf
    Closed Accounts Posts: 22,648 ✭✭✭✭beauf


    Seems its easier if you are renewing with the same company, but impossible is trying to switch company.

    Mine was low but went up 25% this year with allianz.


  • #164
    Jurgen Klopp
    Closed Accounts Posts: 1,807 ✭✭✭Jurgen Klopp


    beauf wrote: »
    Seems its easier if you are renewing with the same company, but impossible is trying to switch company.

    Mine was low but went up 25% this year with allianz.

    Yeah I'm assuming my quote increase of 2k was we've covered ourselves but we want you to F off ideally


  • #165
    joeysoap
    Registered Users Posts: 6,252 ✭✭✭joeysoap


    Jurgen Klopp wrote: »
    Ah here that's ****in nuts how can that be justified?

    Can't be justified. He tried a few companies for comparison, waste of time, an post/Aviva renewal still there cheapest. Are for chill .......... I don't know how they are still in existence.


  • #166
    purplecow1977
    Registered Users, Registered Users 2 Posts: 2,877 ✭✭✭purplecow1977


    I was just wondering if it is only cars older than 15 years that are likely to see an increase in premiums?

    My car is 05. 3 years ago I signed up with Liberty at a very reasonable €310 for comprehensive. The year after it increased by €50 but after ringing around their quote couldn't be beaten. Last year, they quoted me €500 and after speaking with them on the phone, they gave it to me for €420 (can't remember rightly). This year I've received a quote for €515 and after speaking again with them on the phone they brought it down to €408 (3rd party only).

    I understand that due to rising insurance costs there would be an increase of some sort, but €200 over 3 years is ridiculous. I have tried a few online quotes and I'm getting >€600 for 3rd party!!!! This is scandalous!

    Is it because my car is 12 years old?!


  • #167
    beauf
    Closed Accounts Posts: 22,648 ✭✭✭✭beauf


    All cars, just a lot harder and more expensive with 10+

    This is old news no...


  • #168
    purplecow1977
    Registered Users, Registered Users 2 Posts: 2,877 ✭✭✭purplecow1977


    Well the thread is titled >15 so I thought I'd ask anyway. I don't pay too much attention to the depths of whether it's cars >10 years old or not until I'm looking for my insurance!!!

    Is it because they're more likely to break down?

    I get mine serviced regularly - I think regular servicing should be taken into account. A 15 year old car that's regularly serviced could be in better condition than an 8 year old that hasn't!


  • #169
    tom85
    Closed Accounts Posts: 55 ✭✭tom85


    I have 05 bmw cd in showroom condition going by look of it i should sell it now because in year or two time no one will be able to insurance


  • #170
    galwaytt
    Registered Users, Registered Users 2 Posts: 12,790 ✭✭✭✭galwaytt


    tom85 wrote: »
    I have 05 bmw cd in showroom condition going by look of it i should sell it now because in year or two time no one will be able to insurance

    The flaw in that logic is that that there is no market now for cars approaching 15 either, so you'll get peanuts for it. And 2 years is a long time in insurance land, so I'd stick with it and go for the hope by the time the 2 yrs is up that a working alternative is available.

    Otherwise, you're looking at speding 1000's on a newer car anyway.......just my 0.02.

    Ode To The Motorist

    “And my existence, while grotesque and incomprehensible to you, generates funds to the exchequer. You don't want to acknowledge that as truth because, deep down in places you don't talk about at the Green Party, you want me on that road, you need me on that road. We use words like freedom, enjoyment, sport and community. We use these words as the backbone of a life spent instilling those values in our families and loved ones. You use them as a punch line. I have neither the time nor the inclination to explain myself to a man who rises and sleeps under the tax revenue and the very freedom to spend it that I provide, and then questions the manner in which I provide it. I would rather you just said "thank you" and went on your way. Otherwise I suggest you pick up a bus pass and get the ********* ********* off the road” 



  • #171
    Corvo
    Registered Users, Registered Users 2 Posts: 3,704 ✭✭✭Corvo


    Jurgen Klopp wrote: »
    Car just turned 16 years old.

    Last year 700 third party with liberty

    Today renewal is 2679

    Off the road for me I'd say

    Tried chill brokers: no one else bar liberty would even quote

    Working in the industry, I could usually give you a reasoned answer for an increase.

    However I can't fathom that one, its disgraceful.


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  • #172
    beauf
    Closed Accounts Posts: 22,648 ✭✭✭✭beauf


    Renting a car is cheaper than some of these examples.


  • #173
    Parchment
    Closed Accounts Posts: 2,203 ✭✭✭Parchment


    Just of note - insured a 06 civic with Zurich for the reasonable amount of 597.


  • #174
    Jurgen Klopp
    Closed Accounts Posts: 1,807 ✭✭✭Jurgen Klopp


    Got it for €910 with AXA through First Ireland insurance brokers

    Will do me grand I've been planning only keeping it one more year anyway


  • #175
    Candlewick
    Registered Users Posts: 63 ✭✭Candlewick


    Just goes to show that it pays to shop around when you are looking for motor insurance. I have found that in recent years. I never pay the first amount quoted for renewal without negotiating and finding out what other options are available to me.


  • #176
    galwaytt
    Registered Users, Registered Users 2 Posts: 12,790 ✭✭✭✭galwaytt


    purplecow1977 wrote: »
    Well the thread is titled >15 so I thought I'd ask anyway. I don't pay too much attention to the depths of whether it's cars >10 years old or not until I'm looking for my insurance!!!

    Is it because they're more likely to break down?

    I get mine serviced regularly - I think regular servicing should be taken into account. A 15 year old car that's regularly serviced could be in better condition than an 8 year old that hasn't!

    Your car is in good condition and is NCT'd twice as often as, say, a 5 yr old car......so if condition was a factor you should actually get a discount, not a loading.

    But of course this is Ireland and the only excuse for the premiums on older stuff is pure greed. There is no actuarial basis for it whatsoever.

    Ode To The Motorist

    “And my existence, while grotesque and incomprehensible to you, generates funds to the exchequer. You don't want to acknowledge that as truth because, deep down in places you don't talk about at the Green Party, you want me on that road, you need me on that road. We use words like freedom, enjoyment, sport and community. We use these words as the backbone of a life spent instilling those values in our families and loved ones. You use them as a punch line. I have neither the time nor the inclination to explain myself to a man who rises and sleeps under the tax revenue and the very freedom to spend it that I provide, and then questions the manner in which I provide it. I would rather you just said "thank you" and went on your way. Otherwise I suggest you pick up a bus pass and get the ********* ********* off the road” 



  • #177
    boardsuser1
    Closed Accounts Posts: 6,196 ✭✭✭boardsuser1


    galwaytt wrote: »
    Your car is in good condition and is NCT'd twice as often as, say, a 5 yr old car......so if condition was a factor you should actually get a discount, not a loading.

    But of course this is Ireland and the only excuse for the premiums on older stuff is pure greed. There is no actuarial basis for it whatsoever.
    On a comparison, are UK cars over 10 years tested annually or how does that system work?


  • #178
    Candlewick
    Registered Users Posts: 63 ✭✭Candlewick


    I have an 10 year old car (11 at the time of next insurance renewal) which I was thinking of keeping as it passes the NCT no bother and has small mileage. Beginning to wonder if I should try to change after reading this thread.


  • #179
    beertons
    Hosted Moderators Posts: 23,145 ✭✭✭✭beertons


    Candlewick wrote: »
    I have an 10 year old car (11 at the time of next insurance renewal) which I was thinking of keeping as it passes the NCT no bother and has small mileage. Beginning to wonder if I should try to change after reading this thread.


    It'll cost you money either way, newer car or increased insurance.

    My own insurance went up from 580 to 630, for a 03 Golf, with RSA. I am in no hurry to get rid of the car either.


  • #180
    Parchment
    Closed Accounts Posts: 2,203 ✭✭✭Parchment


    Just got my dads 01 car-van insured with liberty for 700e today!


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  • #181
    Candlewick
    Registered Users Posts: 63 ✭✭Candlewick


    Parchment wrote: »
    Just got my dads 01 car-van insured with liberty for 700e today!
    Sounds like good value but that depends on your age, your licence, your no claims bonus and the value of the van.


  • #182
    Meab
    Closed Accounts Posts: 2 ✭Meab


    Everything that changes your insurance premium is related to the risk of a claim.

    Driving an old car means that you're more likely to want to put in a claim because the likelihood is that you need the money more that a person who drives a new car.

    If your car breaks down, it doesn't effect your insurance anyway so its not actually related to the quality of your car so NCT doesn't make a difference.


  • #183
    Sue Pa Key Pa
    Closed Accounts Posts: 2,060 ✭✭✭Sue Pa Key Pa


    Meab wrote: »

    Driving an old car means that you're more likely to want to put in a claim because the likelihood is that you need the money more that a person who drives a new car.
    .

    That's not correct. The older the car, the less likely you are to claim for your loss, given the potential impact on your premium. The more valuable the car makes it a necessity to proceed. The risk with older cars is the disproportionate number of expensive 3rd party claims. There are many reasons for this, all of which have been thrashed to death here


  • #184
    jimgoose
    Registered Users, Registered Users 2 Posts: 20,180 ✭✭✭✭jimgoose


    Sue Pa Key Pa wrote: »
    That's not correct. The older the car, the less likely you are to claim for your loss, given the potential impact on your premium. The more valuable the car makes it a necessity to proceed. The risk with older cars is the disproportionate number of expensive 3rd party claims. There are many reasons for this, all of which have been thrashed to death here

    What view is likely to be taken of an eccentric old giffer like my 18-year-old 3-litre Jaguar?


  • #185
    beauf
    Closed Accounts Posts: 22,648 ✭✭✭✭beauf


    Meab wrote: »
    Everything that changes your insurance premium is related to the risk of a claim.

    Driving an old car means that you're more likely to want to put in a claim because the likelihood is that you need the money more that a person who drives a new car.

    If your car breaks down, it doesn't effect your insurance anyway so its not actually related to the quality of your car so NCT doesn't make a difference.

    Nope the opposite.

    Why would you make an insurance claim, on an old car. Your insurance will go up more than the car is worth. Nonsense.


  • #186
    beauf
    Closed Accounts Posts: 22,648 ✭✭✭✭beauf


    jimgoose wrote: »
    What view is likely to be taken of an eccentric old giffer like my 18-year-old 3-litre Jaguar?

    usually....Its requires a legendary mustache....


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  • #187
    purplecow1977
    Registered Users, Registered Users 2 Posts: 2,877 ✭✭✭purplecow1977


    Surely if I had a tip in my €2,500 05 car it would cost a lot less in claims than a tip in a 151 car so therefore less 'risky' ?


  • #188
    Sue Pa Key Pa
    Closed Accounts Posts: 2,060 ✭✭✭Sue Pa Key Pa


    purplecow1977 wrote: »
    Surely if I had a tip in my €2,500 05 car it would cost a lot less in claims than a tip in a 151 car so therefore less 'risky' ?

    The big costs in a 'tip' are what or who you crash in to, not the car you use to do it in


  • #189
    purplecow1977
    Registered Users, Registered Users 2 Posts: 2,877 ✭✭✭purplecow1977


    Sue Pa Key Pa wrote: »
    The big costs in a 'tip' are what or who you crash in to, not the car you use to do it in

    Okay, but how am I any more likely to tip another car if I'm driving an older car???


  • #190
    kuro2k
    Registered Users, Registered Users 2 Posts: 576 ✭✭✭kuro2k


    I have two 21 year old cars with Axa insurance

    96 BMW cabrio, 610 EUR - renewed last month, 16% increase
    96 Toyota Hilux Surf, 520 EUR - due to be renewed in September

    Looking at some of the quotes I feel very lucky. I've alway found Axa good, I've been with them for 12+ years


  • #191
    Kewreeuss
    Registered Users, Registered Users 2 Posts: 744 ✭✭✭Kewreeuss


    Every second ad on the radio for the past 18 months is trying to get you to buy a new car.
    New car, new car, new car.
    and apparently new car sales is an indicator of how well the country is doing.
    Beats me!
    "Ooo, I have a job" or "Ooo I got a raise"
    So little sheep rushes out and buys a new car? wtf?
    Is that all you can think of doing with your new found sense of optimism and security? I don't understand this fixation with cars.
    I have a big shiny new car, therefore I am?
    Anyway, I got sidetracked. what I meant to say is that it seems like the the insurance companies and the car companies are in some sort of an alliance to price older perfectly safe cars off the road and force us to buy new cars.
    And other posters are right, this assault on older cars makes a mockery of the NCT, which gets more stringent every few years.
    It's all one big money making racket!! Nya-ha-ha-ha (hysterical laugh)


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  • #192
    Candlewick
    Registered Users Posts: 63 ✭✭Candlewick


    Sue Pa Key Pa wrote: »
    That's not correct. The older the car, the less likely you are to claim for your loss, given the potential impact on your premium. The more valuable the car makes it a necessity to proceed. The risk with older cars is the disproportionate number of expensive 3rd party claims. There are many reasons for this, all of which have been thrashed to death here
    Excellent point.


  • #193
    Candlewick
    Registered Users Posts: 63 ✭✭Candlewick


    kuro2k wrote: »
    I have two 21 year old cars with Axa insurance

    96 BMW cabrio, 610 EUR - renewed last month, 16% increase
    96 Toyota Hilux Surf, 520 EUR - due to be renewed in September

    Looking at some of the quotes I feel very lucky. I've alway found Axa good, I've been with them for 12+ years
    If they're over 20, are they considered classic cars or is that 25?


  • #194
    Jurgen Klopp
    Closed Accounts Posts: 1,807 ✭✭✭Jurgen Klopp


    Just on Axa, i have been talking to at least a dozen people lately where Axa quoted in some cases half of what other companies are doing

    If they keep it up they will clean up


  • #195
    Jurgen Klopp
    Closed Accounts Posts: 1,807 ✭✭✭Jurgen Klopp


    What annoys me is the Government are not making proper moves against the industry, I'm not sure what powers they would have but they'll be then there scratching their heads in the next 2-3 years wondering why loads of people are signing into the dole again.

    I know lots of people from all income ranges who head out to work in their 10 years and older cars. It's not like everyone driving these cars has a load of money in the bank but are just too mean to spend it, it's all they can afford.

    The stupidity​ is mind boggling.


  • #196
    Ginger83
    Registered Users Posts: 3,541 ✭✭✭Ginger83


    Jurgen Klopp wrote: »
    What annoys me is the Government are not making proper moves against the industry, I'm not sure what powers they would have but they'll be then there scratching their heads in the next 2-3 years wondering why loads of people are signing into the dole again.

    I know lots of people from all income ranges who head out to work in their 10 years and older cars. It's not like everyone driving these cars has a load of money in the bank but are just too mean to spend it, it's all they can afford.

    The stupidity​ is mind boggling.

    I'd say the number of people driving uninsured is climbing all the time.

    Some drivers will be unable to afford increasing premiums and unable to afford to upgrade their cars.


  • #197
    Sue Pa Key Pa
    Closed Accounts Posts: 2,060 ✭✭✭Sue Pa Key Pa


    Jurgen Klopp wrote: »
    Just on Axa, i have been talking to at least a dozen people lately where Axa quoted in some cases half of what other companies are doing

    If they keep it up they will clean up

    If AXA, or any insurer, find themselves attracting a disproportionate number of risks in a particularly difficult sector, they will increase their rates in order to slow down the flow of new customers.

    Insurers are always trying to balance their portfolio among the various risk profiles and being heavy in any one area is a very dodgy strategy


  • #198
    boardsuser1
    Closed Accounts Posts: 6,196 ✭✭✭boardsuser1


    Jurgen Klopp wrote: »
    Just on Axa, i have been talking to at least a dozen people lately where Axa quoted in some cases half of what other companies are doing

    If they keep it up they will clean up

    With AXA since 2008, only once have i come close to leaving them, quoted by Allianz, when AXA ran to see was i taking up their offer i said no, told them why, in a split second they undercut to keep my business.

    Got an online quote yesterday from them, 1200E was the price they gave, entered all the details exactly as they have them on file.

    Rewnewal due in the door in the next 2 weeks so i'll be interested in seeing will it be more or less than that price.

    Allianz & the AA are quoting me the same as i paid last year for all the bells and whistles, 700E.


  • #199
    Skatedude
    Registered Users, Registered Users 2 Posts: 2,674 ✭✭✭Skatedude


    Candlewick wrote: »
    If they're over 20, are they considered classic cars or is that 25?

    Cars are considered classics at 25, but you cant get classic tax until 30 and classic insurance starts at 15.


  • #200
    boardsuser1
    Closed Accounts Posts: 6,196 ✭✭✭boardsuser1


    Skatedude wrote: »
    Cars are considered classics at 25, but you cant get classic tax until 30 and classic insurance starts at 15.

    I can get that for my 2001 Ford Puma? :confused:


  • #201
    galwaytt
    Registered Users, Registered Users 2 Posts: 12,790 ✭✭✭✭galwaytt


    Meab wrote: »
    Everything that changes your insurance premium is related to the risk of a claim.

    Driving an old car means that you're more likely to want to put in a claim because the likelihood is that you need the money more that a person who drives a new car.

    If your car breaks down, it doesn't effect your insurance anyway so its not actually related to the quality of your car so NCT doesn't make a difference.

    So much wrong in that post I don't know where to start....
    Older car drivers are less likely, not more, to claim as the value of a claim on an older car would be to ruin your NCB for a small amount. That would be financial suicide, which would become self-evident at renewal time. That and the fact theyd only give you peanuts for your old car anyway. .

    Ode To The Motorist

    “And my existence, while grotesque and incomprehensible to you, generates funds to the exchequer. You don't want to acknowledge that as truth because, deep down in places you don't talk about at the Green Party, you want me on that road, you need me on that road. We use words like freedom, enjoyment, sport and community. We use these words as the backbone of a life spent instilling those values in our families and loved ones. You use them as a punch line. I have neither the time nor the inclination to explain myself to a man who rises and sleeps under the tax revenue and the very freedom to spend it that I provide, and then questions the manner in which I provide it. I would rather you just said "thank you" and went on your way. Otherwise I suggest you pick up a bus pass and get the ********* ********* off the road” 



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