Car insurance for >15 year old cars

I have a fine 05 skoda super 1.9 100bhp, was getting insured for around 800 on it for a couple years. Left it lapse for 1 year and now they want 2400+ for it, if anyone quotes at all
25 years old, 5 years license 3 years ncb 2 years named driver.

put in quotes for 335i, audi s8, 7 series, anything random with a big engine and chill always says 938 euro fully comp. It's a sign i have to get rid of the superb and get something noice

BronsonTB wrote: »

Ouch, no good now, but it's so important not to let a policy lapse on an older vehicle. Once you do, new business rules apply & these can be very different than when a policy was first taken out.

yep but to be fair to me I tried to suspend the policy but they wouldn't allow it and wasn't sure when I'd need a car again. Also wasn't sure what I'd have to disclose to them about a different accident so just renewing wasn't an option.

Between a bit of a rock and a hard place now as total cost of ownership for everything is so much higher than keeping the known quantity that is my superb.

Did a few more hours of quotes yesterday and the highest was 3666.66 euro on the superb and that was with a discount

shaveAbullock wrote: »

What's the best quote you got?

best quote is still I think 2400. So many of them won't even quote

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
Quote: € 2500


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.

Age: 36 Male
NCB: 0 years
License: Full Irish Licence 18 months
Car: 2003 Toyota Corolla 1.4 petrol
Cover: Fully Comprehensive
Insurer: AXA
Quote: €960 (renewal)

corcaigh1 wrote: »

F*cking ridiculous :mad: how do you have nil NCB on a renewal premium!?

An open claim or a claim within the last insurance period which wiped out the "No claims bonus" perhaps? I think that is how they work.

phester28 wrote: »

Age: 40
NCB: 9+ years
License: Full irish
Car: 2000 BMW 318i
Cover: Comprehensive
Additionals: NCP, Wife as named driver with 9+ no claims.

Chill Insurance
Price for last year: €715 fully comp
Renewal: €850

Only axa and ivernia (chill) are quoting old cars

Did you try 123?

Age: 34
NCB: 9+ years
License: Full irish
Car: 2000 BMW 318ci
Cover: Comprehensive
Additionals: NCP, Wife as named driver with 9+ no claims.
Old Insurer: 123
Price for last year: €384 TPFT
Renewal: €438 TPFT
New Policy: 123 for €500 fully comp and NCP. Played around with the online generator before I rang. Car value of €7000! and manually putting in my address instead of used my eircode was a €200 difference for the online quote as a new customer.

123 not quoting for 98 cars. Well not my 318i

joefuss1986 wrote: »

Age: 34
NCB: 9+ years
License: Full irish
Car: 2000 BMW 318ci
Cover: Comprehensive
Additionals: NCP, Wife as named driver with 9+ no claims.
Old Insurer: 123
Price for last year: €384 TPFT
Renewal: €438 TPFT
New Policy: 123 for €500 fully comp and NCP. Played around with the online generator before I rang. Car value of €7000! and manually putting in my address instead of used my eircode was a €200 difference for the online quote as a new customer.

You mean not using Eircode and upping the value of the car decreased the quote by 200?? FYI my 1998 e36 BMW 318i is now only getting quotes from axa and chill and neither are cheap up from 700 last year to 850 now. No way to bring it down. Full clean NCB etc

cplwhisper wrote: »

Not using eircode will nul quote as risk of address denotes part of the equation. It’s like telling the insurer u park in garage nightly instead of on roadside in risk tally.
Just a heads up

not true, his address is his address. there's no legal requirement to provide an eircode and if there was they would have asked for it

joefuss1986 wrote: »

I ended up ringing cos I was renewing and it was a new customer quote. He wouldn't let me progress without my address. He said that I had to have a specific address. They would then be able to factor in traffic in the area etc. Makes sense I suppose. Still have it valued at 7 grand tho! Think it saved me 80€.

As I mentioned above, I’m sure someone will voice is breaching gdpr but it’s a factor to prevent the insurer not taking on a bad risk area too but also stops the over charging for good risk area. Glad ya got sorted.
I’ve worked in Ins since ‘99 so I’ve seen claims getting turned down for things so simple as that.

NewbridgeIR wrote: »

Just got renewal quote for my 1999 Toyota Corolla - from Allianz
Comprehensive
Bonus protection
Driving other cars
Breakdown assistance
Windscreen cover
€621

Would be lower if I had a current Taxsaver rail pass - have been working at home since March so that has expired.

Try putting a 2nd fully licenced 25+ driver on it, should drop.

Triumph GT6 1976
Daily driver
Licence for 20 years.
10 years of no claims.
No points.

I'm from the UK and in the process of moving over to Ireland. I had the Triumph as my only car in the UK (named driver on wife's). I am now a named driver on my wife's car insurance here in Ireland.

I imported the car, thinking it's the right thing to do. Paid the VRT man, got Irish reg number and now can't find anyone to insure me. They all want me to be the primary driver on another car in Ireland (for classic car insurance), which is crazy, we don't need three cars, I just use my wife's car for any long distances. All I want is normal insurance on an old car, but they all seem to have a 20 year old car age limit, which is nonsense. I'll even take third-party at this point. I've tried Axa, First Ireland, Carole Nash, FBD, AIG, and countless others.

I thought sod it, I'll just export it back to the UK, keep my insurance on it there, a long as Brexit doesn't screw everything up, EU law states that I'll have unlimited third party in Ireland, which is good enough for me. The problem here is I don't get my Irish log book until I tax the car, and I can't tax the car without insurance, and I can't get insurance!!! But I really don't want to have to export it back, I'd much rather find insurance here in Ireland.

Any suggestions welcome.

danielsuntaro wrote: »

Triumph GT6 1976
Daily driver
Licence for 20 years.
10 years of no claims.
No points.

I'm from the UK and in the process of moving over to Ireland. I had the Triumph as my only car in the UK (named driver on wife's). I am now a named driver on my wife's car insurance here in Ireland.

I imported the car, thinking it's the right thing to do. Paid the VRT man, got Irish reg number and now can't find anyone to insure me. They all want me to be the primary driver on another car in Ireland (for classic car insurance), which is crazy, we don't need three cars, I just use my wife's car for any long distances. All I want is normal insurance on an old car, but they all seem to have a 20 year old car age limit, which is nonsense. I'll even take third-party at this point. I've tried Axa, First Ireland, Carole Nash, FBD, AIG, and countless others.

I thought sod it, I'll just export it back to the UK, keep my insurance on it there, a long as Brexit doesn't screw everything up, EU law states that I'll have unlimited third party in Ireland, which is good enough for me. The problem here is I don't get my Irish log book until I tax the car, and I can't tax the car without insurance, and I can't get insurance!!! But I really don't want to have to export it back, I'd much rather find insurance here in Ireland.

Any suggestions welcome.

Welcome to Ireland and the nonsensical insurance rules in place.

You don't need to insure your vehicle to tax it.