Car insurance - tell us your quotes/renewals

Doing quotes the last few days. I'm originally from farm in rural in Laois, moved to Castlebar. If I put my address as Castlebar it adds 15-20% compared to rural Laois!!!

barry181091 wrote: »

Age 26, male
09 1.6D Fiat Bravo
Location: Cork city centre.
No points, convictions etc
0 NCB, 0 Named (As fresh as you can get according to insurance companies!)

Liberty - 3800 Fully Comp.
Boxymo - 1300-1600 depending on excess/km's etc. (Far too restrictive IMO)
25 plus.ie - 2593 (Standard) - 2737 (Xtra). (2427/2564 - 750excess)
Acorn - Kennco 2285.47 (250 excess).
Axa (Direct) - 2594 Compy, 2448 TPFT.
Britton - 2398 (500 excess), 2110 (1k excess). Comp. 2109 TPFT.
Campions - 4846 (Comp, Liberty). 3694 TPFP. (3073 comp, 2709 TPFT over the phone).
Chill.ie - Axa 2430, Asgard 2778, Kennco 3203. All comp. Similar TPFT.
First Ireland - 2402 comp (500 excess), 2114 TPFT.
Its4women - 2792(Standard), 3012 (Extra), 2614/2820-700 excess
Sheridan - Liberty 4861.
Kennco (Direct) - 2894. (Comp)


And the quote I finally went for......

The AA - AXA Fully comp, 1800, 250 excess. (Plus 7 per month for AA membership) (Included named driver who is a relative. Pro tip: Use a parent if they are clean as that will reduce it even more).

It's worth noting that theAA give one of the most comprehensive policies from what I can see and just happened to be the cheapest.

For anyone new;
i) Your address matters greatly.
ii)Type of car matters greatly.
iii) Addition of a named driver reduces premium usually but should be a parent preferably.
iv) Upping excess can reduce premium.
v) CALL THE INSURERS!! You will get much better quotes over the phone.

Back again to the grind. I honestly don't know where the last year has gone

Like last year, most of the quotes I am getting this year are mad high, with one exception.

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09 1.6D Fiat Bravo
Location: Cork city centre.
No points, convictions etc
1 NCB, 0 Named.
1 windscreen claim. Doesn't really seem to effect much


Current insurer: AA 1700 last year -> renewal quote of 2100. :rolleyes:

Below are in format last years quote -> this years quote with 1 year NCB. Comprehensive/TPFT

Liberty - 3800 Fully Comp -> 1849/1639 (TPFT)
25 plus.ie - 2593 (Standard) - 2737 (Xtra). (2427/2564 - 750excess) -> 2009/2172 Xtra
Acorn - Kennco 2285.47 (250 excess) -> 1398 RSA TPFT
Axa (Direct) - 2594 Compy, 2448 TPFT. -> 1760/1658 TPFT
Chill.ie - Axa 2430, Asgard 2778, Kennco 3203. All comp. Similar TPFT. -> RSA Sertus 1403/1280 TPFT
Its4women - 2792(Standard), 3012 (Extra), 2614/2820-700 excess -> 1336 Comp/1230 TPFT
Kennco (Direct) - 2894. (Comp)

Fresh quotes:

AIG - 1648/1484TPFT
Allianz - 2000 TPFT
Aviva - 1760/1658 TPFT.
FBD - 1891/1856 TPFT
XS Direct - 1780 Comp (3k Excess :pac: )
Quoteme.ie - 1962/1847 TPFT
Post - 1784/1650


And the quote I think I am going for?

Bank of Ireland - 922 (Popular) or 1011 (Prestige) TPFT / 943 (Popular) or 1034 (Prestige) Comp

I honestly don't know how theirs is so low. It appears its all to do with my address. My specific address gives this, but if I just put in the area it gives a quote about 500 higher. It seems to be a big in their system, but that isn't my fault :pac::)

DaveyDave wrote: »

Post Insurance seem to be a good option for cheap quotes for more experienced drivers.

Your joking right? At last renewal time I had 11 years NCB and 5 years prior to that 11 years claims free driving experience as a named driver on a parents policy. They provided me with the highest quote yet again - in style in fact being around 3 times as much as the best quote I got. Like a clown I have tried them every year for the last number of years and they have consistently being the highest - in most cases by a very long shot if I recall correctly.

Although I've just renewed, I ran my details through the Chill website. How can there be such a variation in quotes? The simple fact is that all insurance isn't the same. This year my renewal was €1,100 and the second picture explains why I'm prepared to pay a little more for cover.

Screenshot 2019-01-19 at 09.06.55.png


Screenshot 2019-01-19 at 09.12.04.png

2013 a6 sline 2.0tdi
33
6 plus years ncb
Full license /no points
600 fully comp with 123.ie

johndaman66 wrote: »

Out of curiosity do you recall who quoted you circa €1,100?

AIG

johndaman66 wrote: »

DaveyDave wrote: »

Post Insurance seem to be a good option for cheap quotes for more experienced drivers.

Your joking right? At last renewal time I had 11 years NCB and 5 years prior to that 11 years claims free driving experience as a named driver on a parents policy. They provided me with the highest quote yet again - in style in fact being around 3 times as much as the best quote I got. Like a clown I have tried them every year for the last number of years and they have consistently being the highest - in most cases by a very long shot if I recall correctly.

Caranica wrote: »

johndaman66 wrote: »

Your joking right? At last renewal time I had 11 years NCB and 5 years prior to that 11 years claims free driving experience as a named driver on a parents policy. They provided me with the highest quote yet again - in style in fact being around 3 times as much as the best quote I got. Like a clown I have tried them every year for the last number of years and they have consistently being the highest - in most cases by a very long shot if I recall correctly.

The problem is most insurance companies only recognise 5 years ncb . The odd one 6 or 7.
And they wont recognise driving experience once you have you own ncb.
Personally ive 17 years driving in my own name without accident or claim and 3 years driving experience but my ncb cert says 5 years

Not for me, see above. Over 200 euro cheaper than my renewal and 130 cheaper than the next cheapest (its4women). I got quotes up to 1100 and ended up paying 453 which was fbd matching the post insurance quote which was underwritten by fbd!

I have to laugh at fbd. I had 4 policys with them . They wanted 1000 up 300 from the previous year. The best they could do was give 5 percent off which was the online discount.
I got better cover with bank of ireland for 540.
Fbd wouldnt budge . 3 out of 4 policys are moved on now

johndaman66 wrote: »

9935452 wrote: »

I have to laugh at fbd. I had 4 policys with them . They wanted 1000 up 300 from the previous year. The best they could do was give 5 percent off which was the online discount.
I got better cover with bank of ireland for 540.
Fbd wouldnt budge . 3 out of 4 policys are moved on now

Would that possibly be because your car went to being over 10 years old since last renewal? FBD will not quote for new business if the car is over 10 years old (or at least that was the case the last time I tried them a few years back). It doesn't really matter if you have a full NCB, no accidents, claims, convictions, penalty points etc. - more a case that either computer says yes or computer says no.

While they have to quote you if you are already insured with them and your car goes over 10 years old I can only imagine they will up the premium considerably. A bit surprised that they wouldn't budge anymore than 5% discount when you had so much business with them but they certainly wouldn't have being going matching the €540 anyway. And then again I have found out that customer loyalty means nada when it comes to motor insurance anyway. In fact they are more likely to royally fleece you for being a loyal and good customer.

The car was 8 years old at the time so thats not it.
The previous year they were looking for similar money but dropped by 250 ish over the phone.
They would only match the online discount over the phone.
I asked about a discount for multiple policys.
I was told they dont do them because if they did and you moved one policy you would lose the discount on them all and they didnt want to punish their customers like that.
Then i got a load of drivel about their level of cover and how it was in most cases a higher level than others.
She went on and on about the level of cover.

Eggs For Dinner wrote: »

9935452 wrote: »

Then i got a load of drivel about their level of cover and how it was in most cases a higher level than others.
She went on and on about the level of cover.

At least she was professional enough to explain the level of cover. I'll guarantee that many people take the lowest figure quoted to them not realising key aspects of cover have been removed or restricted

She explained it about 5 times like i was an infant though. .
I was also going through a house policy with her too and asked her if my gsd dog was covered under the policy if he caused an accident . Ie they would pay out to fix someones car if they hit him or they had injuries as a result .
She admitted that as a dangerous breed he had no cover at all under the house policy but i had public liability to 2.5 million
Asked again so we are covered if he causes an accident ?
No you are not but you have public liability to 2.5 million. This was repeated a few times.
That was the end of the house policy with them

Eggs For Dinner wrote: »

9935452 wrote: »

She explained it about 5 times like i was an infant though. .
I was also going through a house policy with her too and asked her if my gsd dog was covered under the policy if he caused an accident . Ie they would pay out to fix someones car if they hit him or they had injuries as a result .
She admitted that as a dangerous breed he had no cover at all under the house policy but i had public liability to 2.5 million
Asked again so we are covered if he causes an accident ?
No you are not but you have public liability to 2.5 million. This was repeated a few times.
That was the end of the house policy with them

So she told she explained that you have public liability, but dogs outlined in the Control of Dogs Regulations are excluded, as with other insurers. Where did you get that cover do you mind me asking?

Thats exactly it .
I went with alliance.
About 170 for the year. Thats including vets fees public liability and other stuff.
Still has to be muzzled in public and under control. But definately covered under the policy.
It would have 330 if he was pure bred.

Eggs For Dinner wrote: »

At least she was professional enough to explain the level of cover. I'll guarantee that many people take the lowest figure quoted to them not realising key aspects of cover have been removed or restricted

I have always found FBD to be very courteous and professional to be fair, whether it be the few years I had a motor or household insurance policy with them or when I was otherwise getting quotes of them.

While no doubt there are some I'm not sure if there is a serious amount of people out there that just ignore extras when it comes to insurance. There might be quite a few paying over the odds for extras too and not getting any real value for adding them in. Personally I'd pay consideration to what I consider to be the potential cost/hardship if the loss were to occur along with the potential likelihood versus the cost of the add on - nothing scientific, just my own thought process! I'll pay a premium for add on but wont pay what I perceive to be over the odds for them either.

T&C's from a Travel Insurance policy????

Eggs For Dinner wrote: »

9935452 wrote: »

Thats exactly it .
I went with alliance.
About 170 for the year. Thats including vets fees public liability and other stuff.
Still has to be muzzled in public and under control. But definately covered under the policy.
It would have 330 if he was pure bred.

So you swapped a household policy for pet insurance?

Ahh no .
Swapped the house policy to bank of ireland and took out a separate policy with alliance for pet insurance .

9935452 wrote: »

Ahh no .
Swapped the house policy to bank of ireland and took out a separate policy with alliance for pet insurance .

Cheers. Better to have a separate pet insurance policy alright, as all insurers usually exclude liability for dogs which are the subject of the Control of Dogs Act

Eggs For Dinner wrote: »

Cheers. Better to have a separate pet insurance policy alright, as all insurers usually exclude liability for dogs which are the subject of the Control of Dogs Act

Any idea why ?

grogi wrote: »

For exactly same reason that people working in motor trade won't get cover on 'driving other cars'. Too much risk for the Insurer.

It's kinda like that. Liability for domestic pets is low risk for insurers and falls in to the category of 'add-ons' which can be included for little or no premium and enhances the offering. If you were to include the dogs under the Control of Dogs Act, insurers would need to charge the appropriate premium for the extra risk and therefore make overall premium for the core cover uncompetitive

Motor trade people don't get driving of other cars cover because it would be abused for it's intended purpose, when there is a specific product designed for that occupation

33 male
Full license
1 claim - storm damage
Fully comp
No penalty points
3 yrs NCB
Kia optima 2012 crdi 3

Renewal came in at €1260 from FBD which is the same as last year. Rang around multiple places and most were around 12/1300 apart An Post at €820.
Funny thing is the insurance is underwritten by FBD. Thankfully leaving FBD as they're a nightmare to deal with.

Pays to shop around.

punisher5112 wrote: »

I'm insured since 2001 to last night.

im sure it would be simple for you to provide policy docs dating back five to ten years as proof of previous cover, but why would they accept those when they can just bend you over instead.

the insurance industry in Ireland is a joke. My CC covers insurance on car hires in every country with the exception or Ireland and North Korea... whats that tell ya?