Car Insurance

New Home · 11-06-2020 12:34pm

So far, the cheapest quote I got was from AIG. If anyone needs it, there was a discount code (AIG20).

4fvw6lcprxeoyq · 14-06-2020 2:41am

sheroman01 wrote: »

Liberty and Zurich were both the best for me. Liberty's renewal was €470. Zurich was €426. (I'm 29yrs old and 8yrs NCB)

Zurich wouldn't even quote me, I'm 42 with about 12 years NCD and full licence, with no points.
Maybe because my car is 2006, or because I'm unemployed.
I Bloody hate the dose of searching for insurance every year, it's an absolute PITA.

bugsyb4 · 18-06-2020 4:03pm

Just shopping around here and 25Plus are offering me best price of €441 for the year but I am slightly wary as they are only an online company and am sure people in this thread have posted some bad reports too, anybody anything good or bad to say on them??

My renewal with Allianz is only about €30 more and I am clear on what I am getting with this whereas with 25Plus seems a bit vague with regards my bonus protection.

Any advise welcome, thanks.

New Home · 18-06-2020 4:14pm

They're like the Ryanair of insurance companies. If you need to "speak" with them, contact them via chat and ask them about the bonus protection in detail.
I found them ok (or rather, I found their other incarnation, its4women, to be ok), they were the cheapest I could find last year (I still paid an eye watering amount, but it was 2/3 of what other companies were quoting me then.

Keep in mind that anything you need them to do (send hard copies of documents, including NCB, change something in the policy, etc.), unless it's done through their website it'll cost you extra, on top of what it'd cost you through the website (e.g. moving the insurance to a temporary car).

This year I won't be renewing with them, I found AIG the cheapest so far, followed by the AA. Have a look around, you might find some discount codes, too (e.g. IRADIO for its4women, AIG20 for AIG), you could save a fair few quid.

bugsyb4 · 18-06-2020 4:19pm

Yeah onto them on chat here and not getting a straight answer on it so putting me off already.

The difference I have been getting today on quotes is mental but used to it really as it definitely pays around to shop around as doing it every year for last 5 years.

New Home wrote: »

They're like the Ryanair of insurance companies. If you need to "speak" with them, contact them via chat and ask them about the bonus protection in detail.
I found them ok (or rather, I found their other incarnation, its4women, to be ok), they were the cheapest I could find last year (I still paid an eye watering amount, but it was 2/3 of what other companies were quoting me then.

Keep in mind that anything you need them to do (send hard copies of documents, including NCB, change something in the policy, etc.), unless it's done through their website it'll cost you extra, on top of what it'd cost you through the website (e.g. moving the insurance to a temporary car).

This year I won't be renewing with them, I found AIG the cheapest so far, followed by the AA. Have a look around, you might find some discount codes, too (e.g. IRADIO for its4women, AIG20 for AIG), you could save a fair few quid.

New Home · 18-06-2020 4:37pm

I had questions about the excess, just like you have for the NCB. I had to keep asking them to clarify a few specific points they were being vague on, eventually I got my answer (and with chat, it's in writing, you can then copy and paste the text of the chat somewhere).

Scottie99 · 18-06-2020 9:43pm

ted1 wrote: »

Be careful of them and 25 plus and what ever other brand they sell under I’d paying monthly they’ll charge over 25% extra. They really hide that fact but your 319 premium will cost you over 420 if oId monthly

I paid in full. I also searched the web for discount codes, saved €60 (98FM)

dodzy · 19-06-2020 8:14am

€554 ( down to €530 after a call)
2012 Bmw 520 m sport
Fully comp
Full license
No points
No claims
Bank of Ireland.
Have an account and home insurance with them.

I might shop around but doubt I’ll beat this.

SummerK · 05-08-2020 1:51pm

I bought a car insurance from AIG last month and they're yet to send me Policy documents (Imported car waiting for log book). Now I see Axa offering for €400 less via chill.ie. Can I cancel AIG and move to Axa?

amber2 · 05-08-2020 2:23pm

SummerK wrote: »

I bought a car insurance from AIG last month and they're yet to send me Policy documents (Imported car waiting for log book). Now I see Axa offering for €400 less via chill.ie. Can I cancel AIG and move to Axa?

Car insurance has a minimum 14 day cooling off Period, if you cancel within the cooling off period you will be issued a refund but may be charged an admin fee.

Ring them, tell them you will email the quote. They may do a price match, it’s worth a shot before you cancel.

New Home · 05-08-2020 2:48pm

Mind, though, if you do that there'll be a break in cover which may or may not affect your NCB.

New Home · 05-08-2020 5:38pm

Maybe it changes depending on the insurer, I remember asking the AA when I renewed mine in May/June and that's what I was told. Also, they said it'd be different if I cancelled voluntarily, let the policy lapse or put it on hold. Clear as mud, I know.

bazz26 · 05-08-2020 6:04pm

Your NCB expires 2 years after your last policy end date.

amber2 · 05-08-2020 7:37pm

New Home wrote: »

Maybe it changes depending on the insurer, I remember asking the AA when I renewed mine in May/June and that's what I was told. Also, they said it'd be different if I cancelled voluntarily, let the policy lapse or put it on hold. Clear as mud, I know.

The AA called on all car insurance providers at the start of pandemic to reimburse customers a portion of their yearly premium due to vehicles not being in use as much. Many providers steped up to the mark & did by way of All for One cards but AA’s insurance who is underwritten by Aviva refused point blank to refund any portion of customers premium and not a mention of proportional refunds has ever been spoken of again by the AA.

phobia2011 · 06-08-2020 12:17pm

amber2 wrote: »

The AA called on all car insurance providers at the start of pandemic to reimburse customers a portion of their yearly premium due to vehicles not being in use as much. Many providers steped up to the mark & did by way of All for One cards but AA’s insurance who is underwritten by Aviva refused point blank to refund any portion of customers premium and not a mention of proportional refunds has ever been spoken of again by the AA.

Just got our renewal quote, up by over €100 to €570
Better get searching, where is the best place to look?

CWF · 06-08-2020 12:22pm

phobia2011 wrote: »

Just got our renewal quote, up by over €100 to €570
Better get searching, where is the best place to look?

I found AIG good this time round, they were €450 cheaper than Aviva who I was with for years. There's a discount code too for AIG, I think it's AIG20

Sconsey · 06-08-2020 1:56pm

Not sure if everyone is aware of this or not, might be useful if renewing...I got my renewal letter from Liberty insurance about a month before my current insurance was up. The quote was good, compared to a few others it was the best I could get so I decided to renew but didn't get around to it immediately.
About a two weeks before the renewal was due I got a message from Liberty saying that since I had not yet renewed they would offer me a 5% discount on the quote.

Moral of the story: might be worth waiting till the last minute if you are renewing, I know I will be in future.

DopeTech · 06-08-2020 2:17pm

New Home wrote: »

They're like the Ryanair of insurance companies. If you need to "speak" with them, contact them via chat and ask them about the bonus protection in detail.
I found them ok (or rather, I found their other incarnation, its4women, to be ok), they were the cheapest I could find last year (I still paid an eye watering amount, but it was 2/3 of what other companies were quoting me then.

Keep in mind that anything you need them to do (send hard copies of documents, including NCB, change something in the policy, etc.), unless it's done through their website it'll cost you extra, on top of what it'd cost you through the website (e.g. moving the insurance to a temporary car).

This year I won't be renewing with them, I found AIG the cheapest so far, followed by the AA. Have a look around, you might find some discount codes, too (e.g. IRADIO for its4women, AIG20 for AIG), you could save a fair few quid.

Just got a quote of €303 from its4women for comprehensive car insurance using your iradio code. Thanks

New Home · 07-08-2020 12:00am

DopeTech wrote: »

Just got a quote of €303 from its4women for comprehensive car insurance using your iradio code. Thanks

Credit where credit is due, I got it from one of these these threads.

amber2 · 06-10-2020 7:14am

Would appreciate any active promo codes, just received my AA renewal up from €370 last year to €670.

jlm29 · 06-10-2020 7:19am

amber2 wrote: »

Would appreciate any active promo codes, just received my AA renewal up from €370 last year to €670.

You can use NEWSTALK for its 4 women. A friend told me she heard it would give €60 off, but it was €20 off the online quote I had

amber2 · 06-10-2020 9:02am

jlm29 wrote: »

You can use NEWSTALK for its 4 women. A friend told me she heard it would give €60 off, but it was €20 off the online quote I had

€350 cheaper than the AA, thanks for the code.

fdevine · 06-10-2020 11:27am

Liberty online quote for the OH came in more than double the quotes from AnPost and current broker :eek:

BENDYBINN · 06-10-2020 1:30pm

DopeTech wrote: »

Just got a quote of €303 from its4women for comprehensive car insurance using your iradio code. Thanks

Do you have to be a woman to get this?

lertsnim · 06-10-2020 1:33pm

BENDYBINN wrote: »

Do you have to be a woman to get this?

No. Got a very good quite off them myself recently. The insurance disc has an AIG logo on it.

Hoboo · 06-10-2020 1:38pm

If you're a GUI member, AIG are excellent, go through the AIG Golf Partner site. Mine this year, new quotation/new customer was 380 fully comp, 2.2 litre cx-5. That's the lowest quote they offer give a fiver.

maudgonner · 06-10-2020 1:46pm

I went with AIG this year but I found that the online quote system they have is ridiculous. Refreshing the page gives you a completely different figure every time.

I appreciate that they may be using real-time data that causes it to change, but I wouldn't expect it to vary by €200 or more from minute to minute. It felt like playing roulette.

Moral of the story: if you get a quote from them that's higher than you'd like, try again 10 seconds later :pac:

Hoboo · 06-10-2020 1:49pm

maudgonner wrote: »

I went with AIG this year but I found that the online quote system they have is ridiculous. Refreshing the page gives you a completely different figure every time.

I appreciate that they may be using real-time data that causes it to change, but I wouldn't expect it to vary by €200 or more from minute to minute. It felt like playing roulette.

Moral of the story: if you get a quote from them that's higher than you'd like, try again 10 seconds later :pac:

Had exactly the same problem. Went from 380 to 570 to 430 to 560. Even adding excess the quote went up.

Gave them a call, told them what happened, was no problem whatsoever. They emailed the original quote. Their customer service is pretty good to be fair.

Online system though......broken.

Kiith · 06-10-2020 2:51pm

Hoboo wrote: »

Online system though......broken.

I doubt very much that it's broken. Pretty intentional i would say.

4fvw6lcprxeoyq · 06-10-2020 2:53pm

amber2 wrote: »

Would appreciate any active promo codes, just received my AA renewal up from €370 last year to €670.

They almost always up the price for renewals, just chancing their arm that you'll automatically renew, but usually if you go for a fresh quote it'll be lower.

Also try different job titles that are within spec. On some sites there's a MASSIVE difference between a landscape gardener and a flower arranger for example. Sometimes a landscaper won't even get a quote, while a flower arranger or florist will be €280.

Could also be the age of your car, in that case maybe shop around.

And also try manually inputting your car reg, this bypasses any automatic checks on the reg, which they sometimes don't do at the final step. Especially if it's an import.

And obviously try adding a few named drivers. Or not.

Every year I end up with a huge notepad list on my computer of all the sites/prices I've checked, which I refer back to the next year.

There was also a really weird glitch on its4women a few years ago where you could keep refreshing the final quote page and get a different quote every time! I spent hours on it and finally got a decent quote, but I'm not sure if it happens anymore..

TheWatcher182 · 07-10-2020 9:32am

itsforwomen.ie with the NEWSTALK code seems to be the best on the market for me also. Thanks OP.
Seems to be the same for most here?

amber2 · 07-10-2020 9:57am

TheWatcher182 wrote: »

itsforwomen.ie with the NEWSTALK code seems to be the best on the market for me also. Thanks OP.
Seems to be the same for most here?

Also worth checking An post, Both roughly same quote maybe €2 difference, but the excess with I4W being €300 and €150 with An Post.

Carpenter · 07-10-2020 12:47pm

TheWatcher182 wrote: »

itsforwomen.ie with the NEWSTALK code seems to be the best on the market for me also. Thanks OP.
Seems to be the same for most here?

Yup zurich 565 for me and 318 with itsforwomen .ie using NEWSTALK cheers op

loki7777 · 07-10-2020 2:33pm

Amani Lemon Ibex wrote: »

There was also a really weird glitch on its4women a few years ago where you could keep refreshing the final quote page and get a different quote every time! I spent hours on it and finally got a decent quote, but I'm not sure if it happens anymore..

Happens with AIG which was good to me but after that went 100€ up;) I4W is like 200€ cheaper then renewal from anpost(excess is 300 vs 125 and no key care but added Personal Accidental Cover) so i'm happy with that and will take it in few days when i will reach 30 days prior my current insurance.

New Home · 15-06-2021 12:11am

The AA are pulling my leg. I've done fewer kms than foreseen (what with the whole working from home and all), I've one extra year no claims bonus, yet they have the gall to quote me €200 more than last year.

Anyone else seen an increase?

BTW, the code AIG20 still seems to be valid, in case anyone else is also shopping around.

DmanDmythDledge · 15-06-2021 12:37am

If you go as a new customer with AA it's likely to 300-400 less than the quote you got

trixiebust · 15-06-2021 1:01am

Thread to follow for sure & thanks op. Not due til August but checking there it's 200 cheaper with that code

New Home · 15-06-2021 1:12am

DmanDmythDledge wrote: »

If you go as a new customer with AA it's likely to 300-400 less than the quote you got

I'll try that, thank you.

as.eirinn · 15-06-2021 7:51am

Best I've got last month 1.2 petrol 04 fully comp' for €360, Hastings brokers through AXA.

New Home · 20-06-2021 9:17pm

If anyone is interested, FBD have a discount code on car insurance, too - it's SAVE50.

bugsyb4 · 21-06-2021 12:54pm

My insurance up as of tomorrow and I found FBD the best price after ringing around 15 of them. Allianz (who was with last year) and them were best by a long way.

In saying that having a lot of issues sending them docs to move my insurance over but hoping they get that sorted!

Got price down by over 80 quid on what renewal was offering, just key to haggle and FBD especially seem to be able to bring premium down a lot.. 2 years running they have been v competitive for me.

SmashingPilot · 22-06-2021 1:01pm

I renewed my insurance this month. Aviva were cheapest for me. I went from a renewal quote of 560 (with Allianz) to 397 with Aviva.

New Home · 25-06-2021 2:28am

I've just renewed with Aviva - the cheapest (by less than a fiver) would have been its4women.ie/getsetgo (McLarty insurance), but I had dealt with them before and they were only ok. The next cheapest (by only a few cents) would have been AIG, but the max they said they'd pay in case of serious injury was €10k, while Aviva would pay €26k.
So, the worst quote I got was from €1126 odd with Supervalu/Axa (I think there was a €1274 odd, too, over the phone, but I didn't even take down the name of the company), with the cheapest being €503 odd with the McLarty crowd. In the end, fully comprehensive with reduced excess, roadside assistance with home start, step back bonus protection, additional personal bonus protection, driving other cars, etc, worked out at €507.40. Not bad at all. Still over €250 less than what the AA quoted me to renew with them.

casio4 · 25-06-2021 11:08am

I found aviva through an post the cheapest

loki7777 · 12-10-2021 8:54am

This year AIG(with AIG10 code, AIG20 not valid) is a bit cheaper then renewal from i4w (can't obtain policy for new customer for some reason;) by 5€ - rest mad prices.

Still have a month left. Passat 2.0 tdi 2015. 39 years old, 7 years no claim, same for named driver,

SouthWesterly · 12-10-2021 11:57am

My wife's insurance is, up soon. I got into i4w on chat and got 40e knocked off without other quotes. Need to do some digging now and also try their other site.

amber2 · 12-10-2021 3:48pm

Edit

Car Insurance

Comments