Car insurance - tell us your quotes/renewals

lolliedog · 18-09-2015 7:16pm

Business Cat wrote: »

Have you a quote reference number for the €455?

Quotes are in general valid for 30 days.

I have the email detailing the quote. No reference number. It gives me two options standard insurance or insurance plus extra benefits. When I logged into my account and tried to purchase the price jumped. My sister moved last week without any trouble.

Liam McPoyle · 18-09-2015 7:52pm

lolliedog wrote: »

I have the email detailing the quote. No reference number. It gives me two options standard insurance or insurance plus extra benefits. When I logged into my account and tried to purchase the price jumped. My sister moved last week without any trouble.

If you received an email then I would have thought there would be a reference number on it.

Was it a quick quote that coughed up the €455 I wonder?

Quick quotes are generally bare bones so if you want things like bonus protection it costs more so perhaps thats what the differential is.

lolliedog · 18-09-2015 7:59pm

It wasn't a quick quote. Full quote. I renewed my sister's quote with them earlier this week. It would be interesting if someone who has got a quote recently from them recently presses the buy button and see if the price changes.

Special Circumstances · 18-09-2015 8:15pm

lolliedog wrote: »

It wasn't a quick quote. Full quote. I renewed my sister's quote with them earlier this week. It would be interesting if someone who has got a quote recently from them recently presses the buy button and see if the price changes.

I have a few emails from them, no quote reference number in the mails either. Strange, most others do give a reference.

Liam McPoyle · 18-09-2015 8:19pm

lolliedog wrote: »

It wasn't a quick quote. Full quote. I renewed my sister's quote with them earlier this week. It would be interesting if someone who has got a quote recently from them recently presses the buy button and see if the price changes.

Ring them Monday morning so and tell them you want it for €455.

lolliedog · 18-09-2015 8:34pm

Special Circumstances wrote: »

I have a few emails from them, no quote reference number in the mails either. Strange, most others do give a reference.

I bet if you log onto your 25plus account you will have to refresh the screen and the price will have gone up.

sunnysoutheast · 25-09-2015 12:13pm

Age: 40ish

Location: Waterford

Car: A5 3.0TDI quattro

NCD: 7 years+

Licence: Full UK 20 years +, 3 points

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

Last year's premium: €420 AIG via chill

Renewal with existing insurer: €540 (+29%)

Haven't tried ringing round for a better quote as yet. Don't need breakdown so might get it cheaper.

Alkers · 16-10-2015 10:17am

Gender: M

Age: 28

Location: Co. Dublin

Car: 2003 Renault Laguna Estate 1.9 Diesel

NCD: 1 Year Own name + 1 year named driver

Licence: Full IE 7+ years, 0 Points

Cover: Third Party Fire and theft, break-down cover, 3rd party driving other cars, Class B business use

Last year's premium: €775

Renewal with existing insurer: €698 including €50 when haggling over the phone

Best new price: €850 with BoxyMo.ie - for 10,000km which increases if they find you to be a safe driver (tracker in your car)

Sully · 16-10-2015 5:21pm

Gender: M

Age: 28

Car: 03 VW Golf 1.4 P

NCD: Full 8 Years

Licence: Full 8+ years, no points

Cover: Third Party, protected

Best quote: €389 - Liberty

Everyone else, including brokers, considerably higher. This will be my third year with Liberty. I've a month left before renewal, it's been suggested I wait closer to the time and see if pricing changes.

dr.fuzzenstein · 17-10-2015 3:53pm

Gender M Age 44 Car 06 CMax 1.8TDCI License Full German, held 20+ years, no points Cover Fully Comp Last year's quote from No Nonsense 347 This year's quote 428 Best quote? Will check and edit this later

sean1141 · 18-10-2015 12:39am

Male
32
04 fabia vrs
Full Irish 10+ years
Ncd 10+
Last year 495 with allianz
Renewal this year 838
Best new quote 615 with ... allianz

fermanagh_man · 18-10-2015 9:51am

My scenario is slightly different as I've recently done VRT on a car from the North

Age:30 Male
Location:Kildare
Car:Vauxhall Astra 1.7 Diesel
Licence and NCB:2 years

Best quote: 749 with 25plus.ie
Worst: 1800 with Aviva

Decided to go with Glennon Brokers (Axa) for 851 with all extra

I tried calling 25plus to query a few things before committing to buying but took me 45mins just to get through and when I did get to speak to someone they seemed in a huge rush to get me off the call and my questions weren't answered.

So forked out €100 more than my best quote but for the ability to been able to speak to someone and the level off service I got through Glennons this is worth it

risteard7 · 18-10-2015 10:24am

Age - 27

Location - Meath

Car - Vw passat 1.9tdi

NCB - 1 year

Full Licence - 7 years

No claims/penalty points

Last year's policy with Liberty €1,850 third party (yes i actually paid it) Got the renewal letter last week €2,120!!....... Unbelievabe and laughable. I will be 28 in a few months.

Axa - €1,830
AA - €1,650
Aviva - €1,550
Kennco €1,780

Tried them all, cheapest was Aviva. I refuse to pay any more than €900. So it looks like i will be Quitting my job and going on the dole as i can't afford to get to work. No public transport services my route.

cantdecide · 18-10-2015 10:54am

risteard7 wrote: »

Age - 27

Location - Meath

Car - Vw passat 1.9tdi

NCB - 1 year

Full Licence - 7 years

No claims/penalty points

Last year's policy with Liberty €1,850 third party (yes i actually paid it) Got the renewal letter last week €2,120!!....... Unbelievabe and laughable. I will be 28 in a few months.

Axa - €1,830
AA - €1,650
Aviva - €1,550
Kennco €1,780

Tried them all, cheapest was Aviva. I refuse to pay any more than €900. So it looks like i will be Quitting my job and going on the dole as i can't afford to get to work. No public transport services my route.

I paid around €500 in a 1.4 and I'm 33 with 10+ years NCD and a full clean licence since 2001. What reason had you to believe your insurance would half after a year? I've never heard of insurance companies doing that. My first insurance in a 1.4 was IR£3,885 back in 2000 and my second was IR£2,800 and like you, my choice was pay it or walk or hitchhike.

risteard7 · 18-10-2015 10:55am

Simona1986 wrote: »

Gender: M

Age: 28

Location: Co. Dublin

Car: 2003 Renault Laguna Estate 1.9 Diesel

NCD: 1 Year Own name + 1 year named driver

Licence: Full IE 7+ years, 0 Points

Cover: Third Party Fire and theft, break-down cover, 3rd party driving other cars, Class B business use

Last year's premium: €775

Renewal with existing insurer: €698 including €50 when haggling over the phone

Best new price: €850 with BoxyMo.ie - for 10,000km which increases if they find you to be a safe driver (tracker in your car)

Who is that insurance with Simona? If you dont mind me asking.

corsav6 · 18-10-2015 11:02am

Gender: M
Age: 33
Location: Mayo
Car: 2009 Vectra 1.9cdti sri 150bhp
Licence: Full Irish held for 8 years
No claims: 8 years
Premium: €525, full comp, full no claim protect

Previous year: €400, full comp, full no claim protect.
Car: 2005 Astra 1.3cdti 90bhp

The wife is named driver, 3 years no claims and licence for 3 with insurance in her own name.

risteard7 · 18-10-2015 11:03am

cantdecide wrote: »

I paid around €500 in a 1.4 and I'm 33 with 10+ years NCD and a full clean licence since 2001. What reason had you to believe your insurance would half after a year? I've never heard of insurance companies doing that. My first insurance in a 1.4 was IR£3,885 back in 2000 and my second was IR£2,800 and like you, my choice was pay it or walk or hitchhike.

Yes but back in 2000 you we're 18.. i'm nearly 28. Last years quote was rediculous anyway at €1,800ish, i was desperate so had take it. I'm not paying silly money just so i can be waved through a Garda checkpoint.

IP freely · 18-10-2015 11:10am

Gender: M

Age: 31

Car: 01 Subaru Impreza WRX estate (218bhp)

NCD: Full

Licence: Full 10+ years, no points

Cover: Fully comp, protected, breakdown, windscreen cover.

Best quote: €599 through a local broker with a company called ignite. Could have got it slightly cheaper but the policy was worse, higher excess + step back only. That's with herself on the policy too.

Plesently surprised given it was €720 last year, although my insurer last year quoted me €1870 renewal. Brokers were grand price wise, the bigger companies (axa aviva ect) wanted either a ransom or wouldnt quote.

cantdecide · 18-10-2015 11:13am

risteard7 wrote: »

Yes but back in 2000 you we're 18.. i'm nearly 28. Last years quote was rediculous anyway at €1,800ish, i was desperate so had take it. I'm not paying silly money just so i can be waved through a Garda checkpoint.

We all pay too much so good luck to you but how did you come up with €900 for this year?

JamboMac · 18-10-2015 11:20am

risteard7 wrote: »

Yes but back in 2000 you we're 18.. i'm nearly 28. Last years quote was rediculous anyway at €1,800ish, i was desperate so had take it. I'm not paying silly money just so i can be waved through a Garda checkpoint.

Did you have a claim since you have a licence for 7 years and only 1 ncb, other factors like your work might make you high risk, not sure where the car falls though.

risteard7 · 18-10-2015 11:30am

cantdecide wrote: »

We all pay too much so good luck to you but how did you come up with €900 for this year?

Thanks... i think around €900 would be a reasonable quote?

risteard7 · 18-10-2015 11:34am

JamboMac wrote: »

Did you have a claim since you have a licence for 7 years and only 1 ncb, other factors like your work might make you high risk, not sure where the car falls though.

No i have 1 years Named driving experience from 2010. That has expired now that i'ts over 2 years. I went back to college for 4 years so i wasn't driving/didn't need a car.

sidcon · 18-10-2015 11:39am

Gender: M

Age: 33

Location: Co. Dublin

Car: 09 Toyota Avensis 2L diesel

NCD: 6 years no claims

Licence: Full IE 7+ years, 7 points = 3 speeding 2 bus lane, 2 careless driving

Cover: fully comp with wife named driver

Last year's premium: €859

Renewal with brokers €628 fully comp and step back

boardsuser1 · 18-10-2015 11:41am

Gender: M
Age: 30
Location: Cork
Car: 07 Mondeo,1.8 Petrol,125bhp
Full Licence: 8 years
NCB: 5+
Cover: Fully comp,protected NCB,OH as named driver.
Last years premium 600 Euro
Best Quote (Renewal,AXA) 550 Euro

Tippjohn · 18-10-2015 5:25pm

It was 25 plus that gave me a week of grief trying to change from the Astra to Insignia. If you ring them you get 5 minutes of adverts and round the houses to be told they are internet only and cut you off. 6 instant messages that reply saying they cannot discuss it becasue of data protection and that you are not logged in, which I was. A dozen call backs that got nowhere. Even a call to get my NCB back, avoid like the plague unless your requirements tick THEIR boxes.

fermanagh_man · 18-10-2015 6:49pm

Tippjohn wrote: »

It was 25 plus that gave me a week of grief trying to change from the Astra to Insignia. If you ring them you get 5 minutes of adverts and round the houses to be told they are internet only and cut you off. 6 instant messages that reply saying they cannot discuss it becasue of data protection and that you are not logged in, which I was. A dozen call backs that got nowhere. Even a call to get my NCB back, avoid like the plague unless your requirements tick THEIR boxes.

100% agree, would rather pay the extra which I have for good customer service

Liam McPoyle · 18-10-2015 10:53pm

risteard7 wrote: »

Age - 27

Location - Meath

Car - Vw passat 1.9tdi

NCB - 1 year

Full Licence - 7 years

No claims/penalty points

Last year's policy with Liberty €1,850 third party (yes i actually paid it) Got the renewal letter last week €2,120!!....... Unbelievabe and laughable. I will be 28 in a few months.

Axa - €1,830
AA - €1,650
Aviva - €1,550
Kennco €1,780

Tried them all, cheapest was Aviva. I refuse to pay any more than €900. So it looks like i will be Quitting my job and going on the dole as i can't afford to get to work. No public transport services my route.

Have you tried getting quotes for comp?

Alot of insurers ramp up rates for third party only covers.

dr.fuzzenstein · 20-10-2015 8:51pm

dr.fuzzenstein wrote: »

Gender M Age 44 Car 06 CMax 1.8TDCI
License Full German, held 20+ years, no points
Cover Fully Comp
Last year's quote from No Nonsense 347
This year's quote 428
Best quote? Will check and edit this later

No, simply can't beat No Nonsense. Tried a few, 123 wanted €1494, BAHAHAHAAAAA!!!!
Axa 786 and by far the least infuriating website
It's funny, my partner, who I want as an additional driver, has had a small car park tip, which resulted in a small claim. For some reason my overall premium still goes down when I add her.

Axa went from 786 to 880 when I removed her!
Aviva, not bad, 464 TPFT, but still more expensive that No Nonsense fully comp. Will be sticking with them another year. So, price up a bit, but no massive shocks.

20-10-2015 11:20pm

Age - 45

Location - Kildare

Car - Renault Fluence

NCB - 10+

Full Licence - 10+

No claims but 2 Penalty Points

Renewal with 123.ie was €475 compared to last year of €430. Rang them and reduced it to €424.

Policy is Fully Comp with full protection on NCB and breakdown assist.
Cheapest quote was €365 from Acorn Insurance. Aviva quoted me €580!

shakin · 28-10-2015 12:52am

Age - 28

Location - Dublin

Car - 05 1.6 Petrol

NCB - 1 year

Full Licence - 7 years

No claims/penalty points

First policy last year was 1300 with axa, got renewal quote for 1800!!! Sickened, must start phoning around tomorrow

phester28 · 28-10-2015 1:49pm

Age 35

Location_ CORK

NCB 10
Full Licence 10+
0 points

98 318i 1.8 BMW

Last year 380 Fully Comp

this year with AIG 910....nothing has changed.

Best quote for the same cover was 735 through munster group

other online sites were quoting 630 but with various differences, no glass protection, road side assist etc.

some sites will not even quote and I can only assume that it is now the age of the car. They want us to buy new cars as the old cars looking at stats are more unsafe. Funny how stats can be made to say what ever you want

Had to change to TPFT at 480.

Chris_Heilong · 28-10-2015 2:01pm

Age 36

Location_ Dublin

NCB 5
Full Licence 3+
0 points

1997 2.5L turbo Toyota Chaser

€1200(up from around 800) Axa

I could have gotten it cheaper but couldnt be bothered this year. Hopefully Classic insurance soon.

boardsuser1 · 28-10-2015 2:05pm

phester28 wrote: »

Age 35

Location_ CORK

NCB 10
Full Licence 10+
0 points

98 318i 1.8 BMW

Last year 380 Fully Comp

this year with AIG 910....nothing has changed.

Best quote for the same cover was 735 through munster group

other online sites were quoting 630 but with various differences, no glass protection, road side assist etc.

some sites will not even quote and I can only assume that it is now the age of the car. They want us to buy new cars as the old cars looking at stats are more unsafe. Funny how stats can be made to say what ever you want

Had to change to TPFT at 480.

some insurance companies,Aviva being 1 of them won't insure new policy holders if their car is over 15 years old,e.g 1999 and older,from next year 2000 and so on........... at this stage I think it's easier to buy myself a bike :rolleyes:

h3000 · 28-10-2015 2:09pm

Gender: Male

Age: 33

Location: Limerick

Car: 132 Mondeo 140

Licence: Full, 16 yrs - 0 Points

NCD: 6+ years

Cover: Fully Comp Protected NCB

Price: €499 Aviva

flutered · 28-10-2015 2:15pm

with fbd
oap
rural co. limerick
opel mivara 1.4
licence full 42 years
max milage 5,000 pa
cover full ncb protected
with fbd quote 635
broker quoted 425 ariva
happy out

nb brokers claim eircode is causing massive problems for their customers, some who moved accomadition across the street to new eircode is being gladly used by companys to up the premium

bshmf · 28-10-2015 2:20pm

Age - 57

Location - Dublin

Car - 2010 Renault Grand Scenic 1.5 Diesel (106 hp)

NCB - 100%

Full Licence - 26 years

No claims/penalty points

RSA €455 (up €5 on last year)

To Elland Back · 28-10-2015 2:20pm

flutered wrote: »

nb brokers claim eircode is causing massive problems for their customers, some who moved accomadition across the street to new eircode is being gladly used by companys to up the premium

That's the 'Sunny Side of The Street' loading. Plenty of stats to back it up

FutureGuy · 28-10-2015 2:47pm

Gender: Male

Age: 38

Location: Limerick

Car: 09 Focus Style

Licence: Full, 9 yrs - 0 Points

NCD: 6+ years

Cover: Fully Comp Protected NCB

Price: €763 AA (through AXA)

That's, wait for it, up €322, +75% from last year for exact same cover. Called them today and told them where to go with it.

job seeker · 28-10-2015 6:17pm

Gender: M

Age: 22

Car: '99 Toyota Yaris

NCD: Zilch, nada, none

Licence: Full 3 years, no points

Cover: Third-party

Insurance price €805 fbd

Best quote: €2500ish acorn insurance

To Elland Back · 28-10-2015 8:09pm

job seeker wrote: »

Gender: M

Age: 22

Car: '99 Toyota Yaris

NCD: Zilch, nada, none

Licence: Full 3 years, no points

Cover: Third-party

Insurance price €805 fbd

Best quote: €2500ish acorn insurance

Did you have a claim to have no bonus?

job seeker · 28-10-2015 10:07pm

To Elland Back wrote: »

Did you have a claim to have no bonus?

No, just first year on my own policy..

MarkN · 28-10-2015 10:38pm

Male 33
Licence 14 years
11 years NCB
0 points
2004 BMW 325ci

€550 fully comp with full bonus protection - Aviva (up around €100 on last year but renewal last year was a 2.0 diesel)

Can get a quote on a brand new Golf GTI worth €40,000 for less than my current policy price on my car which is worth €3,000 - they really screw you on anything above 2.0!

HiGlo · 28-10-2015 11:23pm

Wow!!! Some interesting variations.... :eek:

Gender: F

Age: 36

Car: 07 BMW 116i

NCD: Full

Licence: Full 10+ years, 2 points

Cover: Fully comp, step back protection

Current quote: €424 (up from €377 last year with 1 claim & 2 points added - really surprised there wasn't more of an increase!)

I've stuck with RSA/123.ie the last few years but think I'll shop around a bit for next renewal in April.
Think the lowest I've ever paid for car insurance was about €290 with AXA about 4/5 years ago....

ETA: I'm in Dublin by the way....

rolion · 29-10-2015 12:33pm

Just discovered that my car insurance expired (thanks to the fcuking spam filters).
Renewal came by email at €588 but the new quote reached near €800.
Both with 123.ie !

Very very peculiar !

Late Edit:
Called 123 and requested a "late" renewal but they will hav etreathed me like a complete new business. Same details, same information, quoted €300 dearer with "new market conditions" given as BS reason !
Looked around, AA came with the most cost effective price, done online, completed over the phone, hassle free.
Thanks.

PS
where are they going to stop with the over charges and increases on the insurance ? Soon my insurance will be dearer than the car, same like in the Celtic's rip off times !

smash · 29-10-2015 12:35pm

There's a big gap in the market for a good online broker. chill.ie seems to be the only one that gives online quotes from multiple insurers. And even at that, it's a limited list.

Stheno · 30-10-2015 3:42pm

Last year: 567

I got my renewal today and it's 929.14 on an 04 Honda Accord fully comp with full no claims.

Rang AXA and the guy on the phone told me that they mark up Hondas significantly as their claims history shows that they get more claims against the entire Honda fleet than most other brands!

So eventually it went down to 720 no changes to the policy.

Liberty and Aviva are both coming in about 625.00

Arek · 31-10-2015 10:45am

Age - 36

Location - limerick

Car - Polo 1.0

NCB - 10+

Full Licence - 10+

AXA last year €430, renewal €580
AIG €400

Tippjohn · 31-10-2015 12:06pm

What happend to the male insurance dropping and the female insurance rising equality rubbish we were fed last year?
It seems that when you stick with the same company and don't have a claim, in their weird thinking it is probable that you will have one, having made a profit from you they then don't care if you use them again or not?
Yet they seem to discount for new business.
Or am I just being my paranoid self.

Timooo_23 · 31-10-2015 1:45pm

Age - 26

Location - limerick

Car - Lexus IS 220d

NCB - 2 years

Full Licence - 6 years

1 claim for €2000 3 years ago for cosmetic repairs

Aviva last year €900 renewal this year €1790

Got that down to €1385 by putting girlfriend on policy.

Best/ worst quote was €2990 from chill

Was shocked at the amount of insurers who flat out reject you if you've had a claim in the last 5 years.

cplwhisper · 31-10-2015 3:23pm

Stheno wrote: »

Last year: 567

I got my renewal today and it's 929.14 on an 04 Honda Accord fully comp with full no claims.

Rang AXA and the guy on the phone told me that they mark up Hondas significantly as their claims history shows that they get more claims against the entire Honda fleet than most other brands!

So eventually it went down to 720 no changes to the policy.

Liberty and Aviva are both coming in about 625.00

Ask both Liberty and Aviva before I buy - how much does the penalty point discount credit allowed add upto ?

Ie...Aviva €937 minus 33%(zero p-points) thus €625 quote BUT during the year u gain 3 points... You call up to inform them as required..."how would u like to pay back the penalty point discount you initially got but no longer qualify for !! " - my sis works in Aviva

Then the Axa €720 doesn't sound too bad..

Car insurance - tell us your quotes/renewals

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