Car Insurance

chrisd2019 · 26-05-2020 3:18pm

JimmyVik wrote: »

They emailed me my renewal quote.
Then I went shopping around for a few days.
Suddenly 123 called me with the qoute for identical insurance but €260 cheaper. Then about a month later they sent me an email to let me know i hadnt renewed my original one.

I do this merry dance every year. As someone said to me 3 or 4 years ago. NEVER EVER RENEW.
Always shop around. Even with the same company, get a new policy.

If you have a partner, family member or housemate that is mature (over 25 & full licence), adding them as a named driver can have significant pleasent effects (for you) with your quote.

masterboy123 · 26-05-2020 4:18pm

Getting cheapest quote with FBD and their Team20 code for €910. I paid AXA €920 last year.
Liberty, AXA, Aviva, 123, 25plus and AIB are all offering in excess of 1000 euros.
I have full licence for over 5 years and 6 years NCB.

Any advice to get a cheaper quote?

Nuttzz · 26-05-2020 4:47pm

gingernut79 wrote: »

FBD the big chancers put my renewal up to €790 odd, from 650 last year. Granted I changed the car but other than it being a bit newer its the same power / engine size, shopped around and plenty of quotes coming in around the €450 mark - an post, aviva, aig. Zurich did a good price on the house insurance through the discount code on onebigswitch, but were miles out on the car at around €570. Going to call up a few of them tomorrow, and see can I haggle a bit more seeing as there is only two weeks between my renewals.

Mine went from 510 to 560 but if I enter the same details into their quote calculator I get 455, chancers!

irbx · 27-05-2020 8:46am

masterboy123 wrote: »

Getting cheapest quote with FBD and their Team20 code for €910. I paid AXA €920 last year.
Liberty, AXA, Aviva, 123, 25plus and AIB are all offering in excess of 1000 euros.
I have full licence for over 5 years and 6 years NCB.

Any advice to get a cheaper quote?

If you know any women 40 plus . Ask them if you can put them down as a named driver. I found putting down my neighbor who is 49 on my insurance as a named driver. Lowered my policy by almost 300 euro 2 years ago. I since checked at renewal about removing her but agent advise against it as it will increase the premium. Might be worth a try for you.

masterboy123 · 27-05-2020 8:50am

I know few men over 45, would that work?

irbx wrote: »

If you know any women 40 plus . Ask them if you can put them down as a named driver. I found putting down my neighbor who is 49 on my insurance as a named driver. Lowered my policy by almost 300 euro 2 years ago. I since checked at renewal about removing her but agent advise against it as it will increase the premium. Might be worth a try for you.

4real · 27-05-2020 8:56am

masterboy123 wrote: »

I know few men over 45, would that work?

i have my dad added on he is 70, difference in price is around 200 euro cheaper.

sydthebeat · 27-05-2020 9:13am

got my house insurance this morning for 41% cheaper by going to AIG than my current provider

masterboy123 · 27-05-2020 11:20am

Do they have to be living in same city? My dad is living 220 km away in another city.

4real wrote: »

i have my dad added on he is 70, difference in price is around 200 euro cheaper.

chrisd2019 · 27-05-2020 8:30pm

masterboy123 wrote: »

Do they have to be living in same city? My dad is living 220 km away in another city.

I do not remember being asked for an address for the named driver, all they are usually interested in is the details of the named drivers licence and driving experience.

masterboy123 · 27-05-2020 9:36pm

I wonder if in case of a claim they may refuse to settle and say named driver is not even living in the city.

chrisd2019 wrote: »

I do not remember being asked for an address for the named driver, all they are usually interested in is the details of the named drivers licence and driving experience.

spacetrooper · 27-05-2020 10:09pm

Anyone got a promo code for AVIVA. Altough dearer than my current insurance liberty it seems best for getting my kids started.

Thargor · 28-05-2020 2:35pm

Who would be the best to ask if you had never had insurance before and you were just starting out in a 1.0L in your thirties?

Wuff Wuff · 28-05-2020 2:41pm

Thargor wrote: »

Who would be the best to ask if you had never had insurance before and you were just starting out in a 1.0L in your thirties?

all of them

shop around

dennyire · 28-05-2020 3:21pm

Thargor wrote: »

Who would be the best to ask if you had never had insurance before and you were just starting out in a 1.0L in your thirties?

AXA

dennyire · 28-05-2020 3:28pm

Renewed with AXA last month after shopping around. Best quote by far
On another note with AXA for those of you who have under 25s with full licence.
My daughter then aged 23 passed her test January before last and after getting huge quotes 3/4000 from multiple companies finally got a quote of less than 1800 from AXA. She renewed with them this year for approximately 950......and she is still under 25 with less than 2 years full licence

Thargor · 28-05-2020 3:35pm

Wuff Wuff wrote: »

all of them

shop around

Does shopping around mean actually ringing everybody or doing the full quote process on the websites or is there a price comparison site that will do it all for you?

Bass Reeves · 28-05-2020 4:07pm

Thargor wrote: »

Who would be the best to ask if you had never had insurance before and you were just starting out in a 1.0L in your thirties?

Get on to a few independent brokers they will often get you the best price. I think my son has a policy with Kenco he is 21 full licence for four years two years named driver experience, and insurance in his own name for two more. His renewal this year was about 1150 he is shopping around at present. He is through Topinsure.ie

Bass Reeves · 28-05-2020 4:09pm

Thargor wrote: »

Does shopping around mean actually ringing everybody or doing the full quote process on the websites or is there a price comparison site that will do it all for you?

Unfortunately it means checking prices on insurance company and brokers websites. Not half as bad a 4-5 years ago they get minimum details and quote on assumption now.

Price comparison sites do not work as insurance companies change there as acceptance of risk categories all the time. As well if they have not sold enough policies at a certain stage in the month they will discount to write more business

greenttc · 28-05-2020 4:58pm

Try Bank of Ireland, I was delighted with my AIG quote until I tried them, 300, I'll take that quickly!

Muahahaha · 28-05-2020 8:17pm

Has anyone tried putting a fully licensed driver as a named driver on their policy, I believe that can sometimes drop the quote even further, 100 euro less in the case of a friend.

masterboy123 · 28-05-2020 8:36pm

I have a spouse added as named driver.
But I heard if you add an older person like in 50s that will reduce premium further.

Muahahaha wrote: »

Has anyone tried putting a fully licensed driver as a named driver on their policy, I believe that can sometimes drop the quote even further, 100 euro less in the case of a friend.

masterboy123 · 28-05-2020 8:52pm

Anyone got Zurich insurance promo code please?

New Home · 29-05-2020 9:46am

I got my renewal quote today. €930 and loose change. I didn't even get the "Covid discount" lots of companies mentioned. Something tells me I'll be doing some serious shopping around.

greenttc · 29-05-2020 9:52am

New Home wrote: »

I got my renewal quote today. €930 and loose change. I didn't even get the "Covid discount" lots of companies mentioned. Something tells me I'll be doing some serious shopping around.

honestly, give BOI a go, i was really surprised, rang back my insurer who had sent the renewal notice and they told me there was no way I was going to match BOI's quote.

New Home · 29-05-2020 10:00am

I will indeed!

Coolaboy · 29-05-2020 10:14am

Hi folks. Both parents touching 80 hrs with a lifetime of non claims. Quote fully comp etc...940 euro today!!

New Home · 29-05-2020 10:30am

I've just checked the AA, whose quotes are usually daylight robbery. Fully comp, AA membership, driving other cars, no excess - less than €680!

Now, the shopping around continues.

New Home · 29-05-2020 10:32am

Coolaboy wrote: »

Hi folks. Both parents touching 80 hrs with a lifetime of non claims. Quote fully comp etc...940 euro today!!

Not sure if it's applicable to elderly people, too, but I know that for young drivers some insurers drop the price if you allow them to install a box in the car that monitors the driving. Might be worth asking about it.

50HX · 29-05-2020 11:24am

Coolaboy wrote: »

Hi folks. Both parents touching 80 hrs with a lifetime of non claims. Quote fully comp etc...940 euro today!!

Try caoga for your parents

They do over 65's, got my folks for 660 this year

chrisd2019 · 29-05-2020 11:26am

Yes this works, myself and my partner are named drivers on each others cars, both policies cheaper that without a named driver.
Also both with different insurance providers as cheaper that way.

chrisd2019 · 29-05-2020 11:33am

Google car insurance and write down every company or broker you can find, then visit each website or call or email each. (Keep the list in a safe place as you should use it again next year).
You will get much different results from each.
Also a quote from a broker may differ a lot from that from the insurance company itself.
When you find the best quotes check excess and what is included or excluded as not all policies are the same.

Do not be put of by a company name or target audience.
I have previously been with itsforwomen as it gave the best quote. I am very much a man.

Finally consider adding a named driver with experience and a full licence.

New Home · 29-05-2020 11:41am

You can also get a list of insurers when you get an online quote: at one point, you're asked to select your previous insurer from a menu, you can find quite a long list of them in there. Also, sometimes your local credit union or building society might have offers for car insurance. It's also worth asking your trade union at work.

Scottie99 · 29-05-2020 8:16pm

Just paid the Mrs insurance (its4women), full no claims €319 (protection)with a 162 Auris Hybrid 10,000km a year.

New Home · 29-05-2020 11:37pm

They quoted me over €800 smackers!!!

ted1 · 30-05-2020 1:45am

Scottie99 wrote: »

Just paid the Mrs insurance (its4women), full no claims €319 (protection)with a 162 Auris Hybrid 10,000km a year.

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

Bass Reeves · 30-05-2020 6:53am

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

In real terms all pay monthly are up on 30% in real terms. They take 15% of the money first day and then the rest over next nine payments. I calculated the actual interest rate on a few and it was 28/29% when you take that and the deposit into account.

People should set up budget accounts with credit unions who cannot pay the full amount for insurance, car tax, going prepay on electricity and they should throw extra money into the account if buying electric goods on credit. For a couple that pays 3k in bills that way it costing 750 in credit minimum or 15euro/week

ted1 · 30-05-2020 9:11am

Bass Reeves wrote: »

In real terms all pay monthly are up on 30% in real terms. They take 15% of the money first day and then the rest over next nine payments. I calculated the actual interest rate on a few and it was 28/29% when you take that and the deposit into account.

People should set up budget accounts with credit unions who cannot pay the full amount for insurance, car tax, going prepay on electricity and they should throw extra money into the account if buying electric goods on credit. For a couple that pays 3k in bills that way it costing 750 in credit minimum or 15euro/week

Agree except with prepay electricity, it’s the dearest way to buy electricity

Mr_Muffin · 30-05-2020 10:04am

I was with AA for the past few years. Every year when my renewal came up, they would add ~25% to the cost of the premium from the previous year. I know this is a tactic companies use to hope you just can't be bothered to try and get it reduced and go with the quote, but it just means every year I have to call 3-4 times and haggle. The AA were always a pleasure to deal with, so I would have been willing to stay with them if the quote was reasonable.

I decided to spend a couple of hours shopping around. AIG offered by far the best price and cover so I went with them.

mrcheez · 30-05-2020 12:02pm

Anyone recommend a commercial vehicle insurer (for a van)?

Currently with AXA.

bazz26 · 30-05-2020 12:06pm

You will have to shop around. There is no one insurance company universally cheapest for everyone.

tech · 30-05-2020 2:10pm

FBD are doing good prices lately ðŸ˜„

OmegaGene wrote: »

This thread is more like an insurance chat room, should be a dedicated one for valid discount codes started with no chat

tech · 30-05-2020 2:11pm

FBD are doing good prices lately.

quote="OmegaGene;113593387"]This thread is more like an insurance chat room, should be a dedicated one for valid discount codes started with no chat[/quote]

Wheety · 03-06-2020 9:56am

chrisd2019 wrote: »

Do not be put of by a company name or target audience.
I have previously been with itsforwomen as it gave the best quote. I am very much a man.

I'm with them and I'm a man. The insurance is actually with AIG. AIG gave me a decent quote on their own but I got a further discount through onebigswitch with itsforwomen.

ruddy1987 · 03-06-2020 11:04am

Have 10% off Aviva discount code if anyone wants it PM me.

Its4woman have a radio add saying you get €60 of with code 98fm (haven’t tried it)

Zurich 3ZURMOTOR

paddym1 · 03-06-2020 1:10pm

ruddy1987 wrote: »

Have 10% off Aviva discount code if anyone wants it PM me.

Its4woman have a radio add saying you get €60 of with code 98fm (haven’t tried it)

PM sent for Aviva discount if it's still available.

New Home · 03-06-2020 3:48pm

Would anyone have a code for AIB, please?

chrisd2019 · 03-06-2020 11:30pm

New Home wrote: »

Would anyone have a code for AIB, please?

Try asking in the physical bank, I got a code from the counter agent previously for online use.

New Home · 03-06-2020 11:56pm

Thank you, that's a great idea.

Agent Smith · 04-06-2020 2:55pm

ruddy1987 wrote: »

Have 10% off Aviva discount code if anyone wants it PM me.

Its4woman have a radio add saying you get €60 of with code 98fm (haven’t tried it)

Zurich 3ZURMOTOR

i got my renewal quote from them today, €608, 2 years fully licenced, 4 years NCB, never claimed anything, Driving a 142 Fiesta,

wonder if that code will work on a renewal....

sheroman01 · 04-06-2020 7:55pm

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

Car Insurance

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