Car insurance - tell us your quotes/renewals

draiochtanois · 28-08-2015 12:04pm

This post has been deleted.

Pov06 · 28-08-2015 7:44pm

Gender: M
County: Dublin
Age: 20
Car: 2008 Ford Focus 1.8 TDCI
NCD: 1 year
Licence: Full, less than 1 year
Cover: TPFT
Renewal: €1836 AIG through First Ireland

Robbing b*stards. I paid less with my provisional :pac:

Voodoomelon · 28-08-2015 8:11pm

fancy pigeon wrote: »

Gender: Male

Age: 25

Location: Meath

Car: 2000 Toyota Corolla 1.9d

Licence: Full, 8 years

NCD: 7+

Cover: TPFT

Previous year: €850 AXA (on a Mercedes C220cdi, also 2000)

Price: €1100 AXA

Sorry to quote a quote, but that's well harsh. A joke is right.

Liam McPoyle · 28-08-2015 10:02pm

Voodoomelon wrote: »

Sorry to quote a quote, but that's well harsh. A joke is right.

Id imagine an age loading for the vehicle now been 15 years old is whats driving it up.

Foxhole Norman · 28-08-2015 10:04pm

Business Cat wrote: »

Id imagine an age loading for the vehicle now been 15 years old is whats driving it up.

Is it not a bit silly though that the Mercedes was the same year along with being a 2.2 yet a 1.9 Corolla is more expensive?

neilthefunkeone · 28-08-2015 10:10pm

Age: 30

Car: 2004 Nissan 350z

NCD: 8

Licence: Full 10 years

Cover: comp

Current quote: €700. 123.ie. Dreading next year as I feel I got lucky with that price!!

Seesee · 28-08-2015 10:52pm

Gender: F

Age: 43

Car: Volvo S40 1.8 2001 value 3K (if only!)

NCD: Full

Licence: Full 17 years, no points

Cover: Fully comp, NCD Stepback, OH with own car as named driver. Also have Home Insurance with them.

Last years premium: €341 AA (AXA)

Renewal quote: €550 - AA (AXA)

So nothing has changed on the policy at all but it's increased by more than €200. I will be ringing them on Monday and shopping around.

bear1 · 28-08-2015 10:54pm

Funny enough Axa seems to be loading 200e odd on all policies from what I'm seeing.
My mother has had hers go up by 200e on a 05 Almera.
Joke.

blackbird 49 · 28-08-2015 11:06pm

Gender F
Location Louth
Age 48
Car 10 Grand Scenic 1.5 Diesel
Licence Full
NCD Full
Cover Fully Comp/ driving other cars/ Oh named driver
Price E347 Aviva

coffeepls · 29-08-2015 5:38am

bear1 wrote: »

Funny enough Axa seems to be loading 200e odd on all policies from what I'm seeing.

I mentioned my insurance earlier - I went with AIG for €405
- but - getting to what you're saying there, my last year was with AXA through AA broker, and when I saw my renewal was 601, I decided to shop about a bit. All the quotes (it's for women, Zurich, AIG) were coming back with 450ish, so I rang AA and said that I couldn't understand how they were offering me a renewal of 601. Immediately the guy on the phone was able to knock over 150 off that - I wanted to know how he was able to give such a cut. He told me that it was more or less standard for AXA to shove an extra 100 on renewals, and the rest was discounts that AA could throw in.

At the end of the day they couldn't match the AIG quote, but I still couldn't get over how I could've been totally fleeced if I'd let the insurance 'rollover' as I'm sure quite a lot of people do.

Liam McPoyle · 29-08-2015 9:41am

Foxhole Norman wrote: »

Is it not a bit silly though that the Mercedes was the same year along with being a 2.2 yet a 1.9 Corolla is more expensive?

Insurers put vehicles into particular groups so while the Merc is technically a more powerful car, it may be grouped with smaller engine cars such as the Corolla.

Foxhole Norman · 29-08-2015 11:05am

Business Cat wrote: »

Insurers put vehicles into particular groups so while the Merc is technically a more powerful car, it may be grouped with smaller engine cars such as the Corolla.

Yeah that's true I suppose, my 525 is cheaper to insure than my brothers Civic yet he's older than me with a longer license and No-Claims.

angeldelight · 29-08-2015 11:11am

Gender: F

Age: 28

Car: 2008 Toyota Yaris Luna 5dr 1.0 value 6K

NCD: Full

Licence: Full 7 years, no points

Cover: Fully comp, NCD protected, husband with learner permit and no car as named driver. Motor breakdown cover

Last years premium: €465 One Direct

Renewal quote: €750!!

Ridiculous thing is Aviva underwrite One Direct and they've given me a quote of €430. Will give One Direct a call next week but they won't drop by that much. I had a range of quotes when calling around, dearest was €950 from BoI

UnknownSpecies · 29-08-2015 11:42am

Gender: M

Age: 24

Car: '04 BMW 320Ci 2.2L

NCD: 3 years

Licence: Full 6 years, no points

Cover: TPF&T with drive any car cover (any policy I get needs this feature)

Best quote: €1000 flat. Hoping that will go down in April.

quadrifoglio verde · 29-08-2015 12:27pm

gender: M

Age: 23

Car: 96 Alfa Romeo gtv 2L

NCb 5 years

Licence: 4 years, full

Cover: tpft

Previous year: 850 ish ( liberty through chill)

Renewal quote: 625 including ncb fully protected and windscreen cover

Best quote: see above

Rang liberty for a quote, came back with 1200 plus

Well done chill

dr.fuzzenstein · 29-08-2015 8:19pm

^^^
Definitely bucking the trend there Mr Clover.
It seems insurance companies do this every year, Saps who just let the insurance roll over will be gutted like kippers and people who are putting in the footwork getting the deals.

Liam McPoyle · 30-08-2015 1:15pm

There's a piece in today's Sunday Business Post about FBD. It cites data from the CSO that today, average insurance prices are still 27% lower than they were in 2002.

Goes to show just how under priced insurance has been over the last number of years that there has been an approximate increase of 20% in the last 12 months but its still nearly 30% cheaper than it was 13 years ago.

NoNonsense is going to be phased out and all current NN customers will be offered renewal under the FBD policy umbrella which will likely mean a big jump in price for some NN customers.

30-08-2015 2:18pm

Business Cat wrote: »

Insurers put vehicles into particular groups so while the Merc is technically a more powerful car, it may be grouped with smaller engine cars such as the Corolla.

That can happen with rarer cars, they can statically have a lower rate of accidents and are on paper a safer car

quadrifoglio verde · 30-08-2015 3:12pm

dr.fuzzenstein wrote: »

^^^
Definitely bucking the trend there Mr Clover.
It seems insurance companies do this every year, Saps who just let the insurance roll over will be gutted like kippers and people who are putting in the footwork getting the deals.

I can't explain it. I've asked liberty to explain it as well. Ive been insured by liberty for the last 5 years. They've always been the cheapest for me.

Last year I did an online quote with chill, it came back with 2k plus. This was followed up by some lovely girl from chill asking was it competitive which it wasn't being twice what liberty quoted. She took my details, the exact same that I put into chills website and came back with a quote of 800

Which has me dumbfounded. How come when i filled it out online it was 1200 dearer?
I rang liberty to see would they insure me directly for the same price that they'd agreed to insure me through chill. The girl said no, the supervisor said no and the most the manager said he could do was give it to me for 900.

I asked him could he explain how liberty made more money insuring me through a broker for 800 Euro than me giving liberty 800 directly. Because the broker doesn't work for free.

At this stage I'm not sure whether the actuaries pull the figures from their arse, or the details you give means Jack **** and theres someone in the office pulling a lever that stops at a random number

Skatedude · 30-08-2015 4:34pm

Gender: M
County: Dublin
Age: 43
Car: 1997 bmw 840 4.4L
NCD: years
Licence: Full
Cover: fully comp
Renewal: €400 AIG through First Ireland, limited to 6K a year

HJL · 30-08-2015 4:48pm

Quick question for you guys.

My insurance company reaches the maximum NCB after 4 years.

So my proof of no claim bonus letter says, "The No Claims Bonus under this policy at the renewal date shown will be 4 year(s)*1"

And then the astrix says, "*1. You reach the maximum scheme no claim bonus after four years. This usually takes five years with most others Insurers. You may therefore have been driving claims free for longer than this period."

My question is, if I want to change insurance companies, how do I prove that I have in fact been driving 10 years without a claim?

2 years ago when I was moving to 123.ie from the same insurer I'm with now, I was told by 123.ie that I need to get something to prove I have 8 years NCB, I didn't really understand, but was just going to the other insurance company and see if they knew what they would require. But as it happened 123.ie rang back about 10 mins after their first call and said it was OK and they would accept whatever I had keyed in on the online application form.

I am not so sure it would be that easy again so I would like to know what is required now rather that running around trying to get something in a rush closer the time.

My insurance last year was €539.00, this year €644.99, so 20% increase. Only just got letter so do not know how that compares to other quotes yet.

Thanks,

Pov06 · 30-08-2015 5:17pm

Business Cat wrote: »

There's a piece in today's Sunday Business Post about FBD. It cites data from the CSO that today, average insurance prices are still 27% lower than they were in 2002.

Goes to show just how under priced insurance has been over the last number of years that there has been an approximate increase of 20% in the last 12 months but its still nearly 30% cheaper than it was 13 years ago.

NoNonsense is going to be phased out and all current NN customers will be offered renewal under the FBD policy umbrella which will likely mean a big jump in price for some NN customers.

When is NN to be phased out? My cheapest quote is from them and I need to renew for the 12th September.

Liam McPoyle · 30-08-2015 5:32pm

Pov06 wrote: »

When is NN to be phased out? My cheapest quote is from them and I need to renew for the 12th September.

It hasn't been finalised yet, there are rules in place that if I remember correctly state that if an insurer is moving its business to another company at least 30 days written notice is required.

So if they were to send out letters say on the 1st of September advising of the change I think it can't legally start until the 1st of October.

Skylinehead · 30-08-2015 7:00pm

Gender: M

Age: 24

Car: 2006 Honda Civic 1.4

NCB: 1 year

Licence: 2 years

Cover: TPFT, breakdown cover

Last year's premium: €1890 :eek:

Renewal with existing insurer: €890

Best new price: Didn't check others, I was so happy with the reduction :pac:

Gwynplaine · 30-08-2015 7:09pm

Gender : M
County : Wexford
Car : 2007 Saab 93 120 bap
Licence : full, 8 years. No points.
NCB : 8 years
Insurer : Aviva
Last year : 304 euro
Renewal : 530 euro
Fully comp.

Pov06 · 30-08-2015 7:19pm

Business Cat wrote: »

It hasn't been finalised yet, there are rules in place that if I remember correctly state that if an insurer is moving its business to another company at least 30 days written notice is required.

So if they were to send out letters say on the 1st of September advising of the change I think it can't legally start until the 1st of October.

Yeah I haven't been with them yet. I just got a quote online and they gave me a reference number which is valid for 30 days. Hopefully it will still work.

NoNonsense gave the cheapest online quote. I haven't had the chance to ring around and ask on the phone yet, hopefully it will be a bit cheaper on the phone

30-08-2015 10:28pm

quadrifoglio verde wrote: »

I can't explain it. I've asked liberty to explain it as well. Ive been insured by liberty for the last 5 years. They've always been the cheapest for me.

Last year I did an online quote with chill, it came back with 2k plus. This was followed up by some lovely girl from chill asking was it competitive which it wasn't being twice what liberty quoted. She took my details, the exact same that I put into chills website and came back with a quote of 800

Which has me dumbfounded. How come when i filled it out online it was 1200 dearer?
I rang liberty to see would they insure me directly for the same price that they'd agreed to insure me through chill. The girl said no, the supervisor said no and the most the manager said he could do was give it to me for 900.

I asked him could he explain how liberty made more money insuring me through a broker for 800 Euro than me giving liberty 800 directly. Because the broker doesn't work for free.

At this stage I'm not sure whether the actuaries pull the figures from their arse, or the details you give means Jack **** and theres someone in the office pulling a lever that stops at a random number

i knew a lad who was insured with hibernian, he went off and got insurance through a broker and got his insurance 100 euro cheaper through hibernian . delighted he was. only to find out he had no driving of other cars extension, windscreen cover and a higher excess.
Be wary as well , some brokers will put your occupation down as a lower risk occupation , lower mileage and so on. You would only find this out in a claim when the insurance company use it as an excuse not to pay out

sozbox · 30-08-2015 10:35pm

Gender: M

Age: 30

Car: 2006 Honda Civic 1.4

NCB: 10 years

Licence: 8 years

Cover: TPFT, breakdown cover

Last year's premium: €450 on a different car

Renewal with existing insurer: Sold car so no renewal

Best new price: Previous insurer wanted me to jump through hoops as I had a 6 month break in cover between cars. Got insurance with 25plus.ie for €448

alan partridge aha · 30-08-2015 10:43pm

Gender : M
County : Wexford
Car : 2002 VW Bora 1.9TDI
Licence : full, 22 years. No points.
NCB : 10 yrs+
Insurer : Aviva
Last year : €308
Renewal : €373 were charging €413 till I rang them a got it down
Fully comp full no claims protected (2 unlimited claims in 3 yrs)

Can't get any other insurer close to this with same cover.

cplwhisper · 31-08-2015 1:49pm

alan partridge aha wrote: »

Gender : M
County : Wexford
Car : 2002 VW Bora 1.9TDI
Licence : full, 22 years. No points.
NCB : 10 yrs+
Insurer : Aviva
Last year : €308
Renewal : €373 were charging €413 till I rang them a got it down
Fully comp full no claims protected (2 unlimited claims in 3 yrs)

Can't get any other insurer close to this with same cover.

Be sure to clarify the 33% penalty point discount cost !! If u obtain penalty points during the year you will have to pay same back or portion ,when u notify them. !!

Ps... If you don't notify them and then e unfortunate to have claim they will change excess to €2500 (non disclosure clause on ur schedule)

fancy pigeon · 31-08-2015 2:33pm

Business Cat wrote: »

Insurers put vehicles into particular groups so while the Merc is technically a more powerful car, it may be grouped with smaller engine cars such as the Corolla.

It really boggled my mind. I had a C200 before that and a 520 before that. The c200 was a 97 car yet I got money sent back to me for transferring insurance, this was last year. The 520 wasn't in anywhere near the premium of the C220 either.

It genuinely baffles me as to how a humpy Corolla with barely any power to pull one out of bed is significantly more expensive than the C220? I got a quote on a 1983 Cortina on a daily policy, not classic, for €500 fully comp this year..!!!

dr.fuzzenstein · 31-08-2015 2:50pm

Business Cat wrote: »

There's a piece in today's Sunday Business Post about FBD. It cites data from the CSO that today, average insurance prices are still 27% lower than they were in 2002.

Goes to show just how under priced insurance has been over the last number of years that there has been an approximate increase of 20% in the last 12 months but its still nearly 30% cheaper than it was 13 years ago.

NoNonsense is going to be phased out and all current NN customers will be offered renewal under the FBD policy umbrella which will likely mean a big jump in price for some NN customers.

Oh bollocks! Is it any use trying to renew and get another term out of them, or will they just rip up everyone's contract?
I think I should call myself Mary and become a accountant in Cork driving a 1 liter Toyota Arse no more than 500 meters a year...

Pov06 · 31-08-2015 3:03pm

dr.fuzzenstein wrote: »

Oh bollocks! Is it any use trying to renew and get another term out of them, or will they just rip up everyone's contract?
I think I should call myself Mary and become a accountant in Cork driving a 1 liter Toyota Arse no more than 500 meters a year...

I would say if you can buy it now then they HAVE to keep the insurance running until it expires.

dr.fuzzenstein · 31-08-2015 4:18pm

Pov06 wrote: »

I would say if you can buy it now then they HAVE to keep the insurance running until it expires.

Best give them a ring this week and see if I can get my renewal in early.

alan partridge aha · 31-08-2015 5:23pm

cplwhisper wrote: »

Be sure to clarify the 33% penalty point discount cost !! If u obtain penalty points during the year you will have to pay same back or portion ,when u notify them. !!

Ps... If you don't notify them and then e unfortunate to have claim they will change excess to €2500 (non disclosure clause on ur schedule)

Tnks for the info, going to ring them when renewing and double check this, tnks again. Is this just with AVIVA

Liam McPoyle · 31-08-2015 5:46pm

dr.fuzzenstein wrote: »

Best give them a ring this week and see if I can get my renewal in early.

You wont get your renewal early anyway Im afraid.

As I said above though, nothing has been finalised yet and they are obliged to give notice of the change so if your renewal is in the next couple of weeks hopefully you will be ok for the next 12 months.

dar83 · 31-08-2015 6:10pm

Gender: M

Age: 32

Location: Co. Dublin

Car: Ford Focus ST225

NCD: Full

Licence: Full 7+ years, no points

Cover: Fully comp, step back protection

Renewal quote: Back in May 15' - €600 AXA

tdonegan1990 · 01-09-2015 9:30pm

Gender: M

Age: 25

Location: Co. Louth

Car: Skoda Octavia 1.6 tdi

NCD: 4yr

Licence: Full 4 years, no points

Cover: third party fire and theft

Renewal quote: €570 liberty

cantdecide · 05-09-2015 3:52pm

This is how I fared in the end...

Gender: M

Age: 33

Car: 08 Fiat Bravo 1.4 (90bhp)

NCD: Full

Licence: Full 10+ years, no points

Cover: Fully comp, step back, drive other cars, roadside assistance

Best quote: €484 - AIG

MrMaki · 06-09-2015 7:01pm

Gender: M

Age: 30 +

Car: 06 Honda Accord 2L petrol

No claim bonus 9+ ( max)

Licence: Full EU 10+ years, no points

Cover: Fully comp, ncb protect, drive other cars, windscreen cover

Best quote: €710 Allianz

JJJJNR · 06-09-2015 7:42pm

Gender: M

Age: 35+

Location: Co. Wicklow
Car: Seat Altea 2005 TDI

NCD: Full

Licence: Full 7+ years, 2 points

Cover: Fully comp, step back protection, windscreen, legal, key's, accidental death, personal belongings ++

Renewal quote: 900 with 123.ie, 425 with quote devil.

Wildly Boaring · 15-09-2015 1:08pm

Gender: M

Age: 33

Location: Co. Cork

Car: 2009 BMW 330D

NCD: Full

Licence: Full UK 10 years, No Points

Cover: Fully comp, step back protection, break-down cover

Last year's premium: €590 - AIG Via Chill

Renewal with existing insurer: €580

Best new price: €552 - AIG directly

naughtysmurf · 15-09-2015 1:29pm

Two renewals in this morning for me & the missus, both in our 40's, no claims, fully comp including roadside assistance, ncb protection etc
both named on each others policies

11 reg fluence 1.5dci €436.27
141 reg civic sport 1.4I-VTEC €398.62

AIG via 25plus

Mr Rubicon Conundrum · 16-09-2015 11:52am

Gender: M

Age: 40

Location: Co. Dublin

Car: 2005 Vectra Diesle 1.9

NCD: Full

Licence: Full IE 20+ years, 2 Points

Cover: Fully comp, step back protection, break-down cover

Last year's premium: approx €590

Renewal with existing insurer: €630

Best new price: €1400 - with 123

Am I doing something wrong compared to all of you? mine seems really excessive.

jimgoose · 16-09-2015 11:55am

Mr Rubicon Conundrum wrote: »

...Am I doing something wrong compared to all of you? mine seems really excessive.

Well there must be something wrong, chief - that's absolutely outrageous! :eek:

R.O.R · 16-09-2015 12:04pm

^^^Think that's outrageous?

Gender: M

Age: 38

Location: Co. Louth

Car: 2008 BMW 520d M-Sport Auto

NCD: TBC (see below)

Licence: Full UK 20+ years, 0 Points

Cover: Fully comp, step back protection, break-down cover

Last year's premium (AIG): €534.11

Renewal with existing insurer: €1,832.93

NCD is showing as 30% after a step back from 6 years +, due to a claim for stolen headlights. Spoke to AIG this morning to query this and tell them that the claim shouldn't affect the NCD according to the policy as it was theft rather than damage.

Waiting on an update, but it's been a long while since I've seen a figure that high on an insurance renewal :eek:

To Elland Back · 16-09-2015 12:34pm

Mr Rubicon Conundrum wrote: »

Gender: M

Age: 40

Location: Co. Dublin

Car: 2005 Vectra Diesle 1.9

NCD: Full

Licence: Full IE 20+ years, 2 Points

Cover: Fully comp, step back protection, break-down cover

Last year's premium: approx €590

Renewal with existing insurer: €630

Best new price: €1400 - with 123

Am I doing something wrong compared to all of you? mine seems really excessive.

Have you tried Bank of Ireland Online

https://personalbanking.bankofireland.com/insure-and-protect/insurance/car-insurance/

I got a quote of €370 from them yesterday for a '99 Audi A4 1.9 TDi

Staph · 17-09-2015 4:57pm

Age: 31

Location: Meath

Car: 2008 Forester 227bhp

NCD: 3 years

Licence: Full IE 2.5 years

Cover: Fully comp, step back protection, break-down cover, window cover.

Last year's premium: €900 on a 20 year old Mercedes E-class, almost €100 to swap to Forester for last 3 months of policy.

Renewal with existing insurer: €1440 with AXA

Best new price: Went with Zurich for €900, but was offered €854 with Kennco. Decided to go with a better known company.

lolliedog · 18-09-2015 6:38pm

41 full ncb no points
Citroen c4 grand Picasso 1.6hdi
25plus quoted 455 full comp about a week ago pressed buy policy todayand it jumped to 595!!!!!! My advise recheck 25plus quotes.

Liam McPoyle · 18-09-2015 6:47pm

lolliedog wrote: »

41 full ncb no points
Citroen c4 grand Picasso 1.6hdi
25plus quoted 455 full comp about a week ago pressed buy policy todayand it jumped to 595!!!!!! My advise recheck 25plus quotes.

Have you a quote reference number for the €455?

Quotes are in general valid for 30 days.

Car insurance - tell us your quotes/renewals

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