Car insurance - tell us your quotes/renewals

Cortina_MK_IV · 24-08-2015 9:49pm

Gender: M

County: Louth

Age: 51

Car: Toyota Avensis 1.6

NCD: 29+ years (if only it counted).

Licence: Full 27+ years, no points.

Cover: Fully comp, protected

Current Premium: €546 with FBD.

Toyotafanboi · 24-08-2015 9:49pm

Gender: M

Age: 25

Car: 02 celica 190bhp

NCD: 8 years

Licence: Full, no points

Cover: 3rd party, fire and theift

Best quote: €750 with Liberty

Very reasonable all things considered. A lot of companies wouldn't even quote.

Supergurrier · 24-08-2015 10:07pm

Gender: M

Age: 32

Car: 07 Focus ST 225bhp

NCD: Full 5 years +

Licence: Full 3+ years, no points

Cover: Fully comp, protected

Best quote: €718 No Nonsense, quotes anywhere up to 1500

cplwhisper · 24-08-2015 11:24pm

Gender: M
Age: 36 yrs & 360 days...
Car: 2008 Kia Pro Ceed
NCD: 15+years
License: 15+years full
Cover: Comp with all bells & whistles
Best Quote: 340 ( Axa)

cantdecide · 25-08-2015 12:31am

cplwhisper wrote: »

Gender: M
Age: 36 yrs & 360 days...
Car: 2008 Kia Pro Ceed
NCD: 15+years
License: 15+years full
Cover: Comp with all bells & whistles
Best Quote: 340 ( Axa)

Was that through a broker? We're not that far apart in demographic and experience and AXA want €530 ish for me

theShire · 25-08-2015 5:17am

Gender: M

Age: 32

Car: 97 Toyota Levin BZR 1.6

NCD: 9yrs+

Licence: Full, 15 years, no points

Cover: TPFT

Renewal: €495 - Liberty

Liam McPoyle · 25-08-2015 6:50am

For all the complaining that alot of people are doing on here about the price of their insurance, the above prices are not too bad and would be in line with what I would expect people to pay given the various vehicle types.

The only one thats probably getting a bit of a raw deal is Alanstrainor.

zl1whqvjs75cdy · 25-08-2015 8:02am

Gender: M

Age: 25

Car: 06 Fiesta 1.3

NCD: 6 + years

Licence: Full, 7 years, no points

Cover: TPFT

Renewal: €390 - FBD

Limbo123 · 25-08-2015 9:30am

Gender: Male

Age: 36

Location: Meath

Car: 151 Fiesta ST

Licence: Full, 11 yrs

NCD: 4 years

Cover: Everything- Fully comp/Open driving/NCB Protection etc + OH named driver

Price: €425 Axa

mickdw · 25-08-2015 9:56am

Gender: Male

Age: 36

Location: Mayo

Car: 08 Audi A5 1.8Tfsi

Licence: Full, 11 yrs

NCD: 5 years plus.

Cover: Fully comp, NCB Protection, Diving other cars

Price: €750 Axa who quote 900 or so each year.

Special Circumstances · 26-08-2015 10:07pm

Gender: Male

Age: 33

Location: Limerick

Car: 05 Subaru 2.5 turbo

Licence: Full, 9 yrs

NCD: 6 years plus.

Cover: Fully comp, NCB Protection, Windscreen, Driving other cars

Price: €650ish with Allianz and 25plus (but no quote from AIG who underwrite 25plus

). 123.ie 750.

AXA 1200. :pac:

To Elland Back · 26-08-2015 10:20pm

Gender: M

Age: 53

Car: 1999 Audi A4 TDi

NCB: Full

Licence: Full 10+ years, no points

Cover: Fully comp,

Last year's premium: €260

Renewal with existing insurer: €268

Best new price: Didn't check anywhere else (reasons)

JamboMac · 26-08-2015 10:35pm

Gender: M

Age: 30

Car: 01 Golf1.4

NCD: 1 year

Licence: Full licence since May

Cover: TPFT

Previous year 1530

Renewal Quote 1270

Best quote: €921 - AA online, insurer unknown- I'd like to verify driving of other cars is there

26-08-2015 10:56pm

Gender: M

Age: 30

Car: 93 Toyota Corolla 1.3 XLi

NCD: 4 years

Licence: Full, 4 years, no points

Cover: TPFT

Best quote: €515, 123.ie

Aint Eazy Being Cheezy · 26-08-2015 11:04pm

Gender: M

Age: 28

Car: 07 Kia Ceed 1.6 crdi

NCD: 6 year

Licence: Full licence 7 years

Cover: Fully comp, full bonus protection

Previous year 600

Renewal Quote 795

Best quote: 680 Britton

Thought I did reasonably ok, but looking at the rest I feel scammed. And I was quoted 12/1300 by Axa and Chill if I remember rightly.

kerten · 26-08-2015 11:09pm

Gender: M

Age: 35

Car: 05 Ford Focus 1.6 auto

NCD: 7 years

Licence: Full, 5 years, no points

Cover: comprehensive with full ncb protection + other half as named driver.

Previous year : €465 -AIG
Renewal: €495 - AIG

..Brian.. · 26-08-2015 11:15pm

The wifes;

Gender: Female

Age: 34

Location: Carlow

Car: 06 HONDA CIVIC SE I-DSI 1339cc

Licence: Full, 11 yrs

NCD: 7 years.

Cover: Fully comp, NCB Protection,Me as named driver

Previous year: €298 Aviva

Price: €387 Aviva

Voodoomelon · 26-08-2015 11:21pm

Gender: M

Age: 31

Car: 2005 BMW 740Li

NCD: Full

Licence: Full 7+ years, no points

Cover: Fully comp, protected

Best quote: €1030ish - Wrightway, through a broker. Up from €800 last year. Renewal in December, likely on the up.

26-08-2015 11:29pm

Gender: M

Age: 27

Car: 07 BMW E92 335i

NCD: 5yr

Licence: 4yr full

Cover: Comp

Previous year €1050 (AIG through chill)

Renewal Quote €940

Best quote: €760 AIG (step back, breakdown assist)

T.Sparkie · 26-08-2015 11:31pm

Gender: M

Age: 21

Car: 07 BMW 318i Msport

NCD: 3 Yrs

Licence: Full 3 Yrs, No points (any more)

Cover: TPFT

Best quote: €811, Liberty

Worst Quote: €15,093, 123.ie (In January 2015, on my then BMW 523i SE) Hugely comical!

jimgoose · 26-08-2015 11:32pm

Gender: Male

Age: 43

Location: Cork

Car: 1999 Jaguar S-Type 3.0 V6

Licence: Full, 11 yrs

NCD: 15+

Cover: Fully comp, glass, breakdown, Mrs. Goose named

Previous year: €520 AXA

Price: €495 AXA

coffeepls · 26-08-2015 11:39pm

Gender: F

Age: 46

Car: 2012 Peugeot 207 1.4L diesel

NCB: 6

Licence: Full, 7 yrs

Cover: Fully comp, step back protection

Last year's premium: around €500 AXA

Renewal with last year's insurer: €601 quoted for AXA through AA broker, rang AA and they automatically knocked that to €442 (!)

Best new price: €407 with AIG

Cookie_Monster · 27-08-2015 12:11am

For comparison to NZ since ours is due this week

Gender: F (main) & M (additional)

Age: 29 & 31

Car: 2005 Subaru Legacy B4 3.0l Auto

NCB: Full, guaranteed for life of policy

Licence: Full, 6 yrs + 7yrs

Cover: Fully comp

Last year's premium: 240 ish but different car

Renewal: €269 AA

LpPepper · 27-08-2015 12:21am

Probably a bit different to other quotes here:
Gender: Driver 1: F, Driver 2: M

County: Dublin

Age: Both drivers 21

Car: 2004 Nissan Micra 1.0L (65bhp~)

NCD: 0 years

Licence: Driver 1:Learner Permit 2 Months, Driver 2: Full Licence 1 Year

Cover: Fully comp including legal fees, windscreen etc.

Current Premium: N/A

Cheapest or one of the only reasonable quotes was from Its4women - €2195, had some €4000 and even €5000 quotes!

JCDUB · 27-08-2015 12:54am

Gender: M

County: Dublin

Age: 36

Car: 2007 Audi A6 2.0tfsi

NCD: Full, 7 years

Licence: Full 19 years, no points.

Cover: Fully comp, protected

Current Premium: €435 with AIG through chill.

Was €440 last year with FBD and they put it up to €535 for this year and couldn't match chill, didn't even bother trying on the phone

Padkir · 27-08-2015 2:21am

Gender: M

County: Galway

Age: 25

Car: 2010 Audi A4 2.0tdi sport

NCD: 4 years

Licence: Full 7 years, 7 points.

Cover: Fully comp, step back protection, driving other cars (all main benefits except breakdown cover on the renewal)

Current Premium: €800ish (changed car mid year so can't say exactly but this is in the ballpark) with liberty.

Renewal: €755 with Octane through a local broker.

Foxhole Norman · 27-08-2015 2:49am

Gender: M

Age: 21

Car: 2002 BMW 525i Auto Sport

NCD: 4 years

License: 3 years full

Cover: Fully Comp

Best Quote: €1256(Renewal with Aviva)

Happy out with that! Expected an astronomical quote with the way things are going!

AlanMcC23 · 27-08-2015 3:02am

Gender: M

Age: 25

Car: 2008 Audi A4 S-Line 1.9tdi saloon

NCB: Full 6 years

Licence: Full 6 years, no points

Cover: Fully comp, step back protection

Last year's premium: €520 with liberty.

Renewal with existing insurer: €685 with aviva could not get it any cheaper anywhere

Liam McPoyle · 27-08-2015 7:49am

Thanks for sharing guys, the premiums, cover levels and driver profiles are making for interesting reading.

It also goes to show that doing a bit of a shop around, while a bit of a pain, pays dividends in most cases.

I'm also not seeing too many ridiculous increases either which is good to hear.

27-08-2015 10:46am

Business Cat wrote: »

Thanks for sharing guys, the premiums, cover levels and driver profiles are making for interesting reading.

It also goes to show that doing a bit of a shop around, while a bit of a pain, pays dividends in most cases.

I'm also not seeing too many ridiculous increases either which is good to hear.

Yep, in my 5 years on the road I've had to change insurers every year without fail.

cson · 27-08-2015 10:51am

Gender: M

Age: 26

Car: 2008 VW Passat 2.0tdi saloon

Location: Dublin

NCB: Full 7+ years

Licence: Full 7+ years | 0 points

Cover: Fully comp

Last year's premium: €520 with Zurich.

Renewal with existing insurer: €650 with Zurich through Glennon's (Broker). Tried every online and spent a day calling places & could not get it any cheaper anywhere. In fairness I kind of realise now I got a fairly good deal last year and the current year quote is probably about right based on what I'm reading here.

hattoncracker · 27-08-2015 11:02am

Gender: Female(28) husband named (47)

Age: 28

Car: Volkswagen Up 1 litre. Then changed to 152 Peugeot 2008 1.6 e-HDI

Location: Louth (FML)

NCB: 3 years

Licence: Full 2.5 years

Cover: Fully comp

Last year's premium: €750 with Zurich comp with s/b NCB, renewal €850 with them this year... went thru Glennons and got it for €320 plus an extra €80 when I changed my car. Sweet!!!

dr.fuzzenstein · 27-08-2015 11:21am

I am with NoNonsense and an online quote told me I do not fulfill their criteria for insurance! Will have to wait or ring them to see what my renewal will look like.

alan4cult · 27-08-2015 12:29pm

Gender: M

Age: 25

Car: 03 Toyota Celica TSport (192bhp)

NCD: 2 years

Licence: Full 9 years, no points

Cover: Fully comp,

Renewal Quote: €1408 Liberty

Best Quote: €852 Liberty (yes same guys!)

Moral of the story Liberty couldn't price a policy to shave their wives.

guerito · 27-08-2015 1:20pm

Gender: M

County: Dublin 14

Age: 35

Car: 2005 Golf Gti

NCD: Full, 8 years

Licence: Full Irish 13 years, no penalty points

Cover: Fully comp, step back no claims protection

Current Premium: €600-ish, RSA through 123.ie

Renewal Quote: €858 (roughly the same as they quote for a new policy on the same car)

Best Quote: €683 through AA.

Nononsense and Blue won't quote me, others range up to 950-ish. Considering changing to a 335i and the quotes are coming in €100-200 cheaper than the Gti without fail.

mhackett102 · 27-08-2015 1:35pm

Age: 18

Car: 03 Toyota Corolla 1.4vvti saloon

NCD: 1 year as named driver

Licence: Full

Cover: Third party fire and theft

Best Quote: €2,200 FBD

The joys of being a young driver. Most expensive quote so far stated on this thread?

fancy pigeon · 27-08-2015 1:35pm

Gender: Male

Age: 25

Location: Meath

Car: 2000 Toyota Corolla 1.9d

Licence: Full, 8 years

NCD: 7+

Cover: TPFT

Previous year: €850 AXA (on a Mercedes C220cdi, also 2000)

Price: €1100 AXA[/quote]

Utterly disappointed. I could understand the increase if going from the humpy Corolla to the C220. A joke really

kunst nugget · 27-08-2015 3:44pm

LpPepper wrote: »

Probably a bit different to other quotes here:
Gender: Driver 1: F, Driver 2: M

County: Dublin

Age: Both drivers 21

Car: 2004 Nissan Micra 1.0L (65bhp~)

NCD: 0 years

Licence: Driver 1:Learner Permit 2 Months, Driver 2: Full Licence 1 Year

Cover: Fully comp including legal fees, windscreen etc.

Current Premium: N/A

Cheapest or one of the only reasonable quotes was from Its4women - €2195, had some €4000 and even €5000 quotes!

That's a tricky one as well because the learner driver won't be covered if they are driving with the person with the 1 year licence.

You can’t be alone in the vehicle when driving, regardless of how long you have been driving and how many learner permits you have held. And the person who’s with you must hold a full driving licence for the category of vehicle you are driving for a continuous period of 2 years.

http://rsa.ie/en/RSA/Learner-Drivers/Safe-Driving1/Safety-for-Permit-Holders/

Chris_Heilong · 27-08-2015 5:09pm

kunst nugget wrote: »

That's a tricky one as well because the learner driver won't be covered if they are driving with the person with the 1 year licence.

http://rsa.ie/en/RSA/Learner-Drivers/Safe-Driving1/Safety-for-Permit-Holders/

That is not an insurance issue, they would still be insured.

kunst nugget · 27-08-2015 5:13pm

Chris_Heilong wrote: »

That is not an insurance issue, they would still be insured.

But they wouldn't be covered if the person accompanying the learner driver is the person with the licence for only a year and they had an accident. That's all I was pointing out.

Liam McPoyle · 27-08-2015 5:18pm

kunst nugget wrote: »

But they wouldn't be covered if the person accompanying the learner driver is the person with the licence for only a year and they had an accident. That's all I was pointing out.

You are incorrect there amigo.

Once the driver is named on the policy they are covered, regardless of if they are accompanied by a full licence holder or not.

The accompaniment rule is a legal one and does not effect the insurance.

Craftylee · 27-08-2015 5:40pm

Age: 25

Car: Ford Fiesta Steel 1.25 - 75 bhp

NCD: 1 year

Licence: Full, owned 1 year

Cover: Fully comp, including comprehensive driving other cars and breakdown assist

Best Quote: 945 - AA

This included haggling on the phone between companies and being on the phone to the AA for an hour. My initial renewal with AXA was nearly €1400 which was terrible considering it didn't even include driving other cars etc.

C.K Dexter Haven · 27-08-2015 7:32pm

Cutting a long story short, got 10% off my renewal quote with FBD this year on the figure quoted to me- you get 5% off the quote if you pay online so it was really just an additional 5%- but worth doing obviously. a small bit of pain for a small bit of gain. I'm just over 50 quid better off so that's OK.

I'll consider taking out a bundle insurance product next year- i.e. home, car etc to see if that gets a better quote

Cortina_MK_IV · 27-08-2015 7:40pm

I have pet insurance and home with 123.ie. I asked if they could improve on a quote (forget how much, think it was over €700) to see if I could have pet, home and motor but no joy. So they got about €560 out of me but could have had in excess of €1,000. Logic?

C.K Dexter Haven · 27-08-2015 7:44pm

Cortina_MK_IV wrote: »

I have pet insurance and home with 123.ie. I asked if they could improve on a quote (forget how much, think it was over €700) to see if I could have pet, home and motor but no joy. So they got about €560 out of me but could have had in excess of €1,000. Logic?

FBD offered to quote me on other insurance to bring down my car- didn't go for it this time but might again- Logic and Insurance companies are rarely two (three) words you'll find in the one sentence:P

bear1 · 28-08-2015 8:32am

Age: 28

Car: 2004 Honda Accord Tourer CDTi

NCD: 4

Licence: Full since 2006

Cover: TPFT

Current quote: Paid around 650e

Next Quote: They aren't getting another sodding penny from me and either is the state with their gob****e tax prices. Car is being re-registered once the policy ends at the end of September.

zl1whqvjs75cdy · 28-08-2015 10:01am

Just a note lads and lasses. Was sorting insurance renewal with the AA, online price 912 TPFT no no claims protection. 15 minute phone call later and have a fully comp policy, full no claims protection for 808 euro. The TPFT policy was 703. Ring them would be my advice, don't just use the internetz.

Special Circumstances · 28-08-2015 10:45am

donkeyoaty0099 wrote: »

Just a note lads and lasses. Was sorting insurance renewal with the AA, online price 912 TPFT no no claims protection. 15 minute phone call later and have a fully comp policy, full no claims protection for 808 euro. The TPFT policy was 703. Ring them would be my advice, don't just use the internetz.

I find modern electronic communications very impersonal. I'm preparing a masterpiece of quill and ink penmanship as we speak, confident that this personal touch will guarantee the "Mary the 42year old Yaris driving accountan" rate.

dr.fuzzenstein · 28-08-2015 10:54am

Special Circumstances wrote: »

I find modern electronic communications very impersonal. I'm preparing a masterpiece of quill and ink penmanship as we speak, confident that this personal touch will guarantee the "Mary the 42year old Yaris driving accountan" rate.

But only if you have a proper "Ebeneezer Scrooge" writing desk, half moon spectacles and fingerless mittens.

guerito · 28-08-2015 11:59am

dr.fuzzenstein wrote: »

But only if you have a proper "Ebeneezer Scrooge" writing desk, half moon spectacles and fingerless mittens.

In fairness they're all gagging for your business. Like a gobsh*te I put my real phone numbers in when getting the online quotes, they were all straight on to me, some even before I'd finished getting a quote from the next crowd. I think I'll be having a chat to them all via my telephone machine when I do the renewal.

Car insurance - tell us your quotes/renewals

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