Car Insurance

cubix · 21-05-2020 10:43pm #1

Managed to get the car renew down from €650 to €450 through AIG
Promo Code AIG20 Applied.

ted1 · 22-05-2020 1:11am

cubix wrote: »

Managed to get the car renew down from €650 to €450 through AIG
Promo Code AIG20 Applied.

My car insurance went down a similar amount. Not sure it’s just an AIG thing.

But my house insurance was cheaper with AIG

cubix · 22-05-2020 8:26am

I can only presume AIG are on a bit of a sales drive at the Mo as I had filled in a number of other online quote forms which are far tooooooo long. Lads if you want people to shop around you should have cut down version of the form of the important stuff so people can get a feel and if they bite get down to the detail when you do a follow up. AA/ Liberty/ Friends first were all more or less the same as existing FBD quote or higher, think Liberty were about €130 more than everyone else. I could get the AIG quote lower again by about €35 if I pushed the excess amount up to the max (€750) but chose €300 I think.

Had something similar a couple of years ago I think with via Tesco and home insurance where they were €150 cheaper than everyone else and I think the company that underwrote it for Tesco I had already tried and found more expensive than my existing.

iggy · 22-05-2020 9:28am

Just got qoute from AIG.
I was with 25 plus last year and the new AIG quote is €100 cheaper than I could find elsewhere.

Wuff Wuff · 22-05-2020 9:43am

Liberty are quoting me 300 quid cheaper than AIG after discount

cubix · 22-05-2020 10:21am

Wuff Wuff wrote: »

Liberty are quoting me 300 quid cheaper than AIG after discount

Lucky man, nice saving. Swings and round abouts i suppose.

Wuff Wuff · 22-05-2020 10:25am

cubix wrote: »

Lucky man, nice saving. Swings and round abouts i suppose.

aye, cheers for the heads up anyways

JrdiH · 22-05-2020 11:11am

I got the best quote with Bank of Ireland car insurance, 200 quid cheaper than last year's renewal.

andrew1977 · 22-05-2020 11:35am

AIG prices for my home insurance and car insurance this year was the best I could find, so switched over to them, happy out with the savings

I have no loyalty to any company in the insurance market and switch my business each year, better in my pocket than theirs.

People think its a pain to keep switching, I find it relatively easy.

TheBigEvil · 22-05-2020 11:38am

I've been with AIG for last 2 years with Car Insurance, and moved House Insurance to them last year was well. Found them the cheapest for both. My car Insurance came down to €425 from €440 with them last year, and couldn't find cheaper, for the same level of cover.

I always shop around when Car & House insurances come up for renewal, and found AIG to be cheapest over last couple of years for me. But will always move in a heartbeat if they increase. Shop around people. I always put a reminder in my phone for one moth prior to renewal so I get looking ahead of it to get a sense of prices before the renewal price comes in.

daheff · 22-05-2020 11:50am

115 eur more expensive than the quote i got yesterday with aviva

LimerickCity · 22-05-2020 12:11pm

Wuff Wuff wrote: »

Liberty are quoting me 300 quid cheaper than AIG after discount

Mine was €390 this year with Aviva. Liberty wanted almost €900.

bailey99 · 22-05-2020 12:34pm

554 quoted which is about 15% dearer than my current provider quoted for renewal.
I priced quotes every year and in the last five year without fail, Liberty and AIG have been the dearest every single time. Liberty I don't know what people are doing to get the low quotes, cause whether it's a new car or old car, the quote is always the highest.

10+ years licence, 10+ years no claims.........makes no difference to Liberty.

HeidiHeidi · 22-05-2020 12:38pm

My renewal from the broker I used last year (insurance would have been with Allianz) was €580.

I rang Quote Devil having heard an ad on the radio just before I sat down to do my annual ring-around-every-company-I-can-possibly-think-of (never used them before) got the same comp cover with Allianz for €360. They also undercut my house insurance renewal quote - not by as much, but still a saving.

I did wonder was it due to current circumstances, or just the old broker chancing their arm bigstyle with a huge renewal quote.

The difference was so huge that I didn't try trading them off against each oher, just gave QD the business!

gazzer · 22-05-2020 12:39pm

I have been with AA car insurance for the last 3 years. This year I decided to check out a few other providers. I got it 400 euro cheaper with itsforwomen.ie. 2 of us (males) insured for 480 euro.

JeffKenna · 22-05-2020 12:42pm

gazzer wrote: »

I have been with AA car insurance for the last 3 years. This year I decided to check out a few other providers. I got it 400 euro cheaper with itsforwomen.ie. 2 of us (males) insured for 480 euro.

Wait, so males can get a quote from itsforwomen.ie?

gazzer · 22-05-2020 12:48pm

JeffKenna wrote: »

Wait, so males can get a quote from itsforwomen.ie?

Yeah. If you go onto www.onebigswitch.ie there is a car insurance offer on it from itsforwomen.ie and it specifies that "This exclusive offer is for all One Big Switch members, you do not need be a woman to avail of this offer".

bazz26 · 22-05-2020 12:52pm

Lol, AIG's quote for me including this "discount" is about €400 more expensive than the others. Pulling random numbers from the air it seems.

ted1 · 22-05-2020 12:53pm

JeffKenna wrote: »

Wait, so males can get a quote from itsforwomen.ie?

It’s be sexist if you couldn’t. You just can’t join curves gym .

HeidiHeidi · 22-05-2020 1:10pm

I had insurance with Its4Women a few years ago, and had to cancel it - their small print regarding driving other cars was very hooky, and screamed "get-out-clause" to me, and they refused point-blank to clarify it.

They were also a bit of a nightmare to deal with when you actually needed to talk to a human, took a lot of effort and time.

So regardless of saving, I've avoided them and similar since (25+ is the same crowd, and I think they have other variations on the theme).

bennyx_o · 22-05-2020 1:24pm

AIG aren't issuing any refunds to current policy holders so I would assume they can reduce their quotes as a result

gernon · 22-05-2020 1:49pm

I got a very decent quote from Zurich recently much cheaper than final offer from FBD.

adox · 22-05-2020 1:55pm

I recently renewed with Aviva after using them last year as well. They were by far the cheapest.

I still rang them asking if they could do any better and they knocked 30 odd quid off. Told them Id think about it, that Id look around first for alternatives. They applied the 30 euro discount to my online account and left it there as the new quote in case I wanted to renew which I did in the end.

coldfire1x · 22-05-2020 2:31pm

I renewed with AIG at the start of this month, the quote was €100 cheaper than my current insurance renewal quote which was with Zurich.

I used to stick around with insurance companies if there's not much difference in quote. Now I can switch even for €20-30. Really doesn't take any effort. Only needed to upload my no claim bonus cert + license and pay online.

blastman · 22-05-2020 2:35pm

Just got my renewal quote from Quote Devil, despite no refund issued for this year as some insurance companies are doing, my quote is slightly higher this year than last. I'll be having a few words before renewal date.

Rulmeq · 22-05-2020 2:37pm

bennyx_o wrote: »

AIG aren't issuing any refunds to current policy holders so I would assume they can reduce their quotes as a result

They increased my home and car by €300 so they aren't even doing that much. Probably no point even calling them as they will just offer the usual €50 off or whatever, time to go shopping around.

OnLooker · 25-05-2020 8:24am

I see FBD have 20% off Car Insurance using 'Team20' until Thursday night

deathbomber · 25-05-2020 9:15am

OnLooker wrote: »

I see FBD have 20% off Car Insurance using 'Team20' until Thursday night

Not working

Gotfoodforphil · 25-05-2020 9:17am

OnLooker wrote: »

I see FBD have 20% off Car Insurance using 'Team20' until Thursday night

Expired 19th April

OnLooker · 25-05-2020 9:57am

Weird seems to be working now

Bass Reeves · 25-05-2020 10:05am

Renewed my insurance about two weeks ago. Quite from AA was 660, I shopped around and Aviva was around 510 euro. AA we're ringing me to renew and I just told them AVIVA was 472 and they matched it. It a small jeep I have.

OnLooker · 25-05-2020 10:11am

Bass Reeves wrote: »

Renewed my insurance about two weeks ago. Quite from AA was 660, I shopped around and Aviva was around 510 euro. AA we're ringing me to renew and I just told them AVIVA was 472 and they matched it. It a small jeep I have.

Same happened my wife. Got her renewal for 550 from Aviva. Went onto their site as a new customer and got it for 420.

JustAThought · 25-05-2020 10:14am

opening my daily pile of bills I came across ‘my’ house insurance paperwork for AXA.It was e420 CHEAPER than my Zurich house insurance quote. Turns out my down the road neighbour who has the same houses paperwork had been delivered to my house by accident. Huge difference.I’ll be getting rid of Zurich snd all their get out of paying clauses and super-expensive home insurance when renewal comes around.

Bass Reeves · 25-05-2020 10:21am

JustAThought wrote: »

opening my daily pile of bills I came across ‘my’ house insurance paperwork for AXA.It was e420 CHEAPER than my Zurich house insurance quote. Turns out my down the road neighbour who has the same houses paperwork had been delivered to my house by accident. Huge difference.I’ll be getting rid of Zurich snd all their get out of paying clauses and super-expensive home insurance when renewal comes around.

Insurance is something you have to shop around for every year. It immaterial whether it is car, farm, house, health insurance. In our house between us all one year w had a different between quotes and what we actually paid of over 2700 euro, there was four cars, a farm and house and health insurance.

bazz26 · 25-05-2020 10:33am

A lot of insurance companies use dual pricing where they give one price to new customers and a different usually higher price to renewal customers because they hope existing customers are too lazy to shop around or are content with haggling a few quid off the inflated renewal price over the phone. People should always shop around but it's crazy the amount of people who don't.

Gotfoodforphil · 25-05-2020 10:35am

OnLooker wrote: »

Weird seems to be working now

Yeah just tried again and it worked! Thanks!

StonedRaider · 25-05-2020 1:56pm

I always switch home and car insurers annually, but our vhi health insurance renewal has always come back on par with all the others, so we just stick with them.

Is there any benefit in switching health insurers every year?

Bass Reeves · 25-05-2020 2:00pm

StonedRaider wrote: »

I always switch home and car insurers annually, but our vhi health insurance renewal has always come back on par with all the others, so we just stick with them.

Is there any benefit in switching health insurers every year?

Best way with HI us to go to a broker that specialises in it. They know all the private plans. They can put you on specialist corporate plan's that have the same features as there common plans or they can guide you towards plans with no extra's that cost for ay less

mollymac57 · 25-05-2020 2:17pm

FBD Promo code discount for me was 11.1% (not 20%)

JimmyAlfonso · 25-05-2020 2:36pm

mollymac57 wrote: »

FBD Promo code discount for me was 11.1% (not 20%)

I was the same and then spotted in the quote they e-mailed to me the small print

*20% equals 10% online discount plus 11.1% promotional discount using promo code 'Team20' on new CarProtect online quotes only between May 25th-29th. Discounts applied consecutively. Quote valid for 30 days.

FDB still coming out a lot cheaper for me than Aviva and 25plus, 450 v's 700 mark

as.eirinn · 25-05-2020 2:53pm

I could be wrong but I've heard from a broker this morning that axa may be offering money back on each policy over the coming year due to covid19. When i quizzed him if it was percentage based he told me no, he thinks it's €30 flat.

as.eirinn · 25-05-2020 2:59pm

Of the 5 I usually ring Hastings-Brokers/AXA in Tuam were the best for me this year, €360 vrs Britton €800 wtf!, some difference when you call around.

Wheety · 25-05-2020 4:24pm

Axa was nearly €900 for me.

AIG were €390 but got it a bit cheaper with itsforwomen through onebigswitch.ie. €370. Cheapest quote I could get.

Renewal quote was €424. I never bother trying to get them to match.

Allianz were €353 initially but needed to add a load of extras to get the same cover as itsforwomen (including breakdown assist), it came to €391.

gingernut79 · 25-05-2020 4:59pm

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.

Bass Reeves · 25-05-2020 5:28pm

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.

Unless FBD are 30 euro cheaper than the cheapest I would not give it to them

OnLooker · 25-05-2020 5:33pm

Bass Reeves wrote: »

Unless FBD are 30 euro cheaper than the cheapest I would not give it to them

Never take a renewal price. Always get a new quote

Wheety · 25-05-2020 5:41pm

OnLooker wrote: »

Never take a renewal price. Always get a new quote

I stayed with Aviva for a couple of years as the renewal actually went down and it was a good price. Shot up this year so switched. As I said I couldn't be arsed asking them to match as they should have given me a competitive quote in the first place. It's no hassle to keep switching.

Duga · 25-05-2020 5:50pm

OnLooker wrote: »

Never take a renewal price. Always get a new quote

I took renewal from Axa this year, they were cheapest out of 15+ quotes I got... Went up from last year as I added my missus who's on provisional ..

JimmyVik · 26-05-2020 12:53pm

I was quoted €590 to renew with 123.ie.
Shopped around and then got a call back a few days later from 123.ie offering me the exact same insurance for €330. Identical.

Bass Reeves · 26-05-2020 1:37pm

JimmyVik wrote: »

I was quoted €590 to renew with 123.ie.
Shopped around and then got a call back a few days later from 123.ie offering me the exact same insurance for €330. Identical.

I think 123 are brokers. So they may have priced around after quote. Sloppy of them if they did not send the two out together

JimmyVik · 26-05-2020 2:32pm

Bass Reeves wrote: »

I think 123 are brokers. So they may have priced around after quote. Sloppy of them if they did not send the two out together

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.

Car Insurance

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