Car insurance - tell us your quotes/renewals

c.p.w.g.w · 06-08-2020 5:43pm

marcos_94 wrote: »

Not really no. There some insurers arent interested but there still plenty of others that will quote. Im in the process of buying a 2003 and have gotten what I consider to be reasonable quotes on it with Aviva

Cheers, I'm not imagining that there was a few years were getting a quote a car older than 10 years was like finding hen's teeth

wotzgoingon · 06-08-2020 7:20pm

c.p.w.g.w wrote: »

Is there still issues trying to insure cars as old as 10 years?

10 years old having difficulty insuring?

I'm driving a 22 year old car and was about to say I don't have difficulty finding insurance but there is only 2 or 3 insurers that will take me on.

SCOOP 64 · 06-08-2020 7:35pm

Dont think it was ever difficult to get insurance for over 10 yrs old, 16+ maybe, i drive a 1998 and a 2008.

job seeker · 06-08-2020 10:53pm

wotzgoingon wrote: »

10 years old having difficulty insuring?

I'm driving a 22 year old car and was about to say I don't have difficulty finding insurance but there is only 2 or 3 insurers that will take me on.

Are you still driving the Toyota Levin? Or am I thinking of somebody else??

Triangle · 06-08-2020 11:03pm

Craftylee wrote: »

Funny how 25plus quotes 512 and its4women (same company) quotes 465. Interesting way to try and give cheaper quotes to women imo, I'd say most men wouldn't realize or want there insurance with a company called its4women and they're taking advantage of that

When they first came on the scene I did a quote for my wife and then changed the sex, got a bigger premium.
Regulator said its not their issue and to get onto the UK regulator 😒
Doesn't change now though....

Back on topic though

Same as yourself I went with the renewal 430 with 123.

Rest were 600+ that I tried.

45 yo, no accidents, comp, driving forever on an Irish licence, no points and a 16 year old car

wotzgoingon · 06-08-2020 11:11pm

job seeker wrote: »

Are you still driving the Toyota Levin? Or am I thinking of somebody else??

Yep still have it.

raxy · 06-08-2020 11:20pm

After seeing a lot of cheap quotes people are getting from AIG I tried with them, almost 3 times more expensive than my cheapest quote so far, early days yet

40 male driving a 181 megane 1.5D automatic. Full NCB & no penalty points
Renewel from 123 was €630
Chill €627
Alianz €500
AIG €1422 - Really I'd love to know where they come up with these quotes. I actually went back through the quote thinking I must have made a mistake entering something.

sonyvision · 06-08-2020 11:24pm

Age: 29
Sex: Male
Car: 2010 Renault Megane
Location: West Dublin
NCD: 9+
Claims: zero
Points: zero

Last year price, 630 with 123.ie, renewal just in the door at 573. Used to cover 50,000km per year, that dropped to 15,000km two years ago I now do 20km a week!. Will be working from home till at least next year. I wonder if I give them a call is there any savings to be had?

Tried liberty @750, AA @ 1300!! No idea what those idiot's picked out!. Chill did come in at 580 on the initial price (might see what is the best price they can get me)

mamaz · 07-08-2020 12:43am

123.ie quoted me 3500+
AIB quoted me 1630 fully comp (TPFT was 1660 for some reason?)
Allianz coming in cheapest with 1097.08

Gonna check out a local broker but so far its a saving of 300+

job seeker · 07-08-2020 12:56am

wotzgoingon wrote: »

Yep still have it.

I was thinking! They are super cool and getting very rare nowadays.

wotzgoingon · 07-08-2020 1:21am

job seeker wrote: »

I was thinking! They are super cool and getting very rare nowadays.

There is a few around well I see them on the Facebook page. Seen a few in person too but that is a rare occasion alright.

You haven't been around online for a while or maybe you were but just didn't post as much.

johndaman66 · 07-08-2020 8:19am

marcos_94 wrote: »

Not really no. There some insurers arent interested but there still plenty of others that will quote. Im in the process of buying a 2003 and have gotten what I consider to be reasonable quotes on it with Aviva

Not really no but you aren't getting the full spread of the market and for those providers that do quote you they will invariably be quoting you a higher figure on the older car than the equivalent newer plate. It would be a bit of an issue in my book.

johndaman66 · 07-08-2020 8:29am

raxy wrote: »

After seeing a lot of cheap quotes people are getting from AIG I tried with them, almost 3 times more expensive than my cheapest quote so far, early days yet

They were also considerably more expensive for me at renewal time last February as I recall. Was assuming on the basis of the previous comments before your own that things had changed in the meantime and they were actually interested in getting market share.

Uilleam an Draoi · 07-08-2020 8:48am

Your Age:31
Car type and engine: 1.2 TSI VW Polo (2012)
years driving:10+
any claims: 1 in early 2018
Price and provider:+/- 1200 Axa

Now, I'll explain a bit! In case there's someone in a similar situation - the car is/was Spanish so the steering wheel is on the other side... had my license exchanged to full Irish. All in all, not really hard to get an insurance but there's just 2-3 that will take this sort of cars as far as I'm aware. QuoteDevil was asking 1350 but with a local broker in Dùn Laoghaire I was able to get it a bit lower.

Fingers crossed it'll go down next year! -

theteal · 07-08-2020 8:55am

Age: 37
NCB: 13 years protected
License: Full UK, no points - swapped Irish license early 2019
Car: 2007 Mazda 3 1.6 Petrol saloon
Cover: Comprehensive
Additionals: ~3k miles pa, named driver of 5 years exp.
Old Insurer: Aviva
Price for last year: £340
Renewal: £380
New Policy: £240 with Sheila's Wheels (not even joking) via GoCompare which gives £35 cashboack (TCB) and £250 excess refund in case of claim.

The previous 3k mile average will probably drop this year as the wife's new car is now the more salubrious place to be so I took the cheapest quote I could find. Windscreen cover and all that included so I'm a bit annoyed at having overpaid Aviva last year.

blade1 · 08-08-2020 8:21pm

Just spotted this.
€50 renewal fee!
Christ that's a good one.
Can't really complain though as they've given me a great price for fully comp. 2 years in a row.

Cows Go µ · 08-08-2020 9:35pm

blade1 wrote: »

Just spotted this.
€50 renewal fee!
Christ that's a good one.
Can't really complain though as they've given me a great price for fully comp. 2 years in a row.

That's pretty standard for a broker. They nearly always have renewal fees and I'd be surprised if it wasn't there the year before. Some brokers let their employees waive these fees but some don't.

blade1 · 08-08-2020 9:37pm

Cows Go µ wrote: »

That's pretty standard for a broker. They nearly always have renewal fees and I'd be surprised if it wasn't there the year before. Some brokers let their employees waive these fees but some don't.

I wouldn't know as it's my first time using the same company for two years together in over 20 years.
I do know my bike insurance has a broker fee every year which they do waive.

wonski · 08-08-2020 11:28pm

To be fair I only care about the final price.

Some will give you high base and loads of discounts, some will offer great starting base and lots of additional charges.

What matters is how much I have to pay for a year. Calculation of the premium is for them only.

You can always try to purchase brand new policy from them instead of renewing anyway and see if there is any difference.

Eggs For Dinner · 09-08-2020 11:32am

If a broker can find you a far better premium, including their fee, than anywhere else, have they not earned it?

PCeeeee · 09-08-2020 12:11pm

Eggs For Dinner wrote: »

If a broker can find you a far better premium, including their fee, than anywhere else, have they not earned it?

For sure. I always got direct quotes but a few years ago I tried a certain broker, v sound lads and I can rarely beat them, motor or house.

I even got a much better house quote than they could offer last year and he offered to review the cover to see was there any reason it was cheaper than them. He told me to take it.

Ye're not all bad Eggs

Affluenza · 18-08-2020 5:41pm

Affluenza wrote: »

24 M, 1 year driving, full license, 0 points and 1 year NCB

2010 1.4 Ford Fiesta
First years insurance was €2,410 with Coverinaclick (AXA)

Renewal due at the start of September (all TPFT).
Renewal from CIAC through AXA: €1,564
123.ie: €4,764
AA: €3,631
Aviva: €1,906
Quote Devil: €3,175
Chill.ie: €1,998
Zurich: €2,960
Aviva: No quote
Quoteme: €2,264
Anpost: €1,879

Tried all of the other large places (BOI, blue, axa, kennco etc.), nobody offered under €1,700.

I went with Liberty, quote came out to €1,290 but got it down to €1,200. This was after adding a parent as a named driver. Quite happy with that

Good luck all those novices out there looking for insurance It's not fun ringing around and waiting only for the insurer to tell you it's gonna be €5k but it pays to shop around.

Well there goes another wasted afternoon. Prices this year seem even crazier compared to 2019. I ended up only getting about 10 or so quotes.

Renewal from Liberty Insurance was €994 and with an extra 5% discount code, it brought it down to €944. Nobody could even come close. This is for TPFT and without windscreen cover (an extra €30 for it

).

All quotes below are TPFT (2 Years Driving, 2 Years NCB with the same car)

123.ie - €2,145
25plus.ie - €4,891
AA Ireland - €2,247
Allianz - €1,744
Aviva - €2,298
Axa - €1,948
Blue Insurance - €2,220
BOI Insurance - €3,398
Chill.ie - €1,156
Coverinaclick - €1,225
FBD - €1,799

Wouldn't quote for whatever reason: AIG, Acorn, Anpost Insurance, Quoteme, Zurich and Kennco Insurance.

sderref · 24-08-2020 1:06pm

Age: 44M
Second driver: 30F-novice
NCB: 15 years (7 used here)
License: Full Irish- changed in 2018, no penalty points
Car: 2005 Suzuki Ignis 1.3
Cover: Comprehensive
Old Insurer: Aviva, last year €458
Renewal offer: €493
New policy Aviva online quote-comprehensive: €383.06....took it on the spot.

skibum · 28-08-2020 11:40am

Your Age: 54
Car type and engine: 2002 Opel Astra 1.4
years driving: 35
any claims: none
no penalty points
Price and provider: Allianz, It was €472 last year, €504 Renewal, fully comp with bonus protection etc Got it down to €462....

Rang around, most wouldn't quote due to age of car......

revoke12 · 28-08-2020 11:50am

Age: 29
NCB: 12 years
License: Full Irish 7 years
Car: 2013 bmw 320d m sport
Cover: Comprehensive
Insurer: Liberity
Renewal offer: €750.00
did a new policy online with them to see could I get it any cheaper and got it with the exact same details as if i was a new customer for €485 fully comp rang them and they had to match it.

Find it hard to insure the car as alot wont cover me on it until i was 30 so Liberty were the only ones last year when I got it. Some companies wouldnt quote me on it even.

FixitFelix · 28-08-2020 12:08pm

Age: 36
NCB: 9 years
License: Full Irish 9 years
Car: 2011 Subaru Legacy Estate 2.0TD
Cover: Comprehensive
Insurer: Liberity
Current Premium: €860(AXA through broker)
Renewal offer: €2160.00

Got a quote from Chill.ie with Invernia with more extras than my current policy for
€602

galwaytt · 04-09-2020 10:12am

Age: 53
NCB: 10+ years (actually, 33 years - never had a car claim ever)
License: Full Irish 32 years
Car: 2006 Clio 1.2 Monaco
Cover: Comprehensive
Insurer: Chill.ie
Offer: € 2500 :eek::eek:

I just checked the NCT on my car, to see how many miles I did in 12 months: 2,400 miles.

Somebody is pulling the Pi$$ at the pricing above.

Eggs For Dinner · 04-09-2020 10:43am

galwaytt wrote: »

Age: 53
NCB: 10+ years (actually, 33 years - never had a car claim ever)
License: Full Irish 32 years
Car: 2006 Clio 1.2 Monaco
Cover: Comprehensive
Insurer: Chill.ie
Offer: € 2500 :eek::eek:

I just checked the NCT on my car, to see how many miles I did in 12 months: 2,400 miles.

Somebody is pulling the Pi$$ at the pricing above.

The insurer is obviously saying "go away, we don't want your profile at any price".

wonski · 04-09-2020 10:49am

Eggs For Dinner wrote: »

The insurer is obviously saying "go away, we don't want your profile at any price".

Sounds like it, but it is still a slap in the face of galwaytt and other drivers who are expected to be perfect customers.

Irish_peppa · 04-09-2020 10:54am

Weird but surely Galwaytt's profile is the ideal profile for a car insurance company, mature, solid conservative driver.... steady hands....
No history of accidents or dangerous driving
Why would they be looking for a different profile of person doesnt make sense to me

If all their customers were like fenix they would be laughing would they not. I had assumed as the age profile increased insurance companies would be actively looking for the 40 plus "mature" market. I dont have any statistics but I would be very surprised if 40 plus people were more of an insurance risk then 18-39 years

Are their Insurance companies who prefer 18-29 year old drivers and actively give them competitive quotes?:eek:

Car insurance - tell us your quotes/renewals

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