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Car insurance - tell us your quotes/renewals

1457910114

Comments

  • Registered Users Posts: 263 ✭✭lolliedog


    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.


  • Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    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.


  • Registered Users Posts: 263 ✭✭lolliedog


    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.


  • Closed Accounts Posts: 7,569 ✭✭✭Special Circumstances


    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.


  • Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    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.


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  • Registered Users Posts: 263 ✭✭lolliedog


    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.


  • Registered Users, Registered Users 2 Posts: 2,072 ✭✭✭sunnysoutheast


    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.


  • Registered Users, Registered Users 2 Posts: 6,868 ✭✭✭Alkers


    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)


  • Moderators, Education Moderators, Technology & Internet Moderators, Regional South East Moderators Posts: 24,056 Mod ✭✭✭✭Sully


    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.


  • Banned (with Prison Access) Posts: 16,620 ✭✭✭✭dr.fuzzenstein


    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


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  • Registered Users, Registered Users 2 Posts: 4,088 ✭✭✭sean1141


    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


  • Registered Users Posts: 810 ✭✭✭fermanagh_man


    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


  • Registered Users Posts: 879 ✭✭✭risteard7


    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.


  • Registered Users, Registered Users 2 Posts: 11,465 ✭✭✭✭cantdecide


    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.


  • Registered Users Posts: 879 ✭✭✭risteard7


    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.


  • Registered Users, Registered Users 2 Posts: 1,597 ✭✭✭corsav6


    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.


  • Registered Users Posts: 879 ✭✭✭risteard7


    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.


  • Registered Users, Registered Users 2 Posts: 393 ✭✭IP freely


    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.


  • Registered Users, Registered Users 2 Posts: 11,465 ✭✭✭✭cantdecide


    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?


  • Registered Users Posts: 3,953 ✭✭✭JamboMac


    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.


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  • Registered Users Posts: 879 ✭✭✭risteard7


    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?


  • Registered Users Posts: 879 ✭✭✭risteard7


    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.


  • Registered Users, Registered Users 2 Posts: 647 ✭✭✭sidcon


    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


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


    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


  • Registered Users Posts: 127 ✭✭Tippjohn


    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.


  • Registered Users Posts: 810 ✭✭✭fermanagh_man


    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


  • Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    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.


  • Banned (with Prison Access) Posts: 16,620 ✭✭✭✭dr.fuzzenstein


    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. :confused: 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.


  • Posts: 0 [Deleted User]


    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!


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  • Registered Users, Registered Users 2 Posts: 1,213 ✭✭✭shakin


    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


  • Registered Users Posts: 466 ✭✭phester28


    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.


  • Registered Users, Registered Users 2 Posts: 4,974 ✭✭✭Chris_Heilong


    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.


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


    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:


  • Registered Users, Registered Users 2 Posts: 6,467 ✭✭✭h3000


    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

    0118 999 881 999 119 725 3



  • Registered Users, Registered Users 2 Posts: 6,693 ✭✭✭flutered


    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


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  • Registered Users Posts: 18 bshmf


    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)


  • Closed Accounts Posts: 1,923 ✭✭✭To Elland Back


    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


  • Moderators, Computer Games Moderators Posts: 15,237 Mod ✭✭✭✭FutureGuy


    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.


  • Registered Users Posts: 5,116 ✭✭✭job seeker


    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


  • Closed Accounts Posts: 1,923 ✭✭✭To Elland Back


    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?


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  • Registered Users Posts: 5,116 ✭✭✭job seeker


    Did you have a claim to have no bonus?

    No, just first year on my own policy.. :)


  • Registered Users, Registered Users 2 Posts: 4,223 ✭✭✭MarkN


    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!


  • Registered Users Posts: 561 ✭✭✭HiGlo


    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....


  • Closed Accounts Posts: 3,362 ✭✭✭rolion


    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 ! :(


  • Closed Accounts Posts: 34,809 ✭✭✭✭smash


    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.


  • Moderators, Business & Finance Moderators, Science, Health & Environment Moderators, Society & Culture Moderators Posts: 51,688 Mod ✭✭✭✭Stheno


    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


  • Registered Users Posts: 107 ✭✭Arek


    Age - 36

    Location - limerick

    Car - Polo 1.0

    NCB - 10+

    Full Licence - 10+


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


  • Registered Users Posts: 127 ✭✭Tippjohn


    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.


  • Registered Users, Registered Users 2 Posts: 586 ✭✭✭Timooo_23


    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.


  • Registered Users, Registered Users 2 Posts: 797 ✭✭✭cplwhisper


    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..


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