Car insurance - tell us your quotes/renewals

cgcsb · 15-03-2019 3:46pm

inna981 wrote: »

Renewal with Liberty is up next week at 1050

2007 1.4 petrol Citroen C4 Coupe
Third Party
23M
Licence 2 years with 2 years NCB
Driving 3 years
No Points
Kilkenny
Mother down as a named driver (56, full licence)

2017: 1266 (2003 Ford Focus 1.4) with Boxymo
2018: 1351 (2007 Citroen C4 1.4) with Liberty

Aviva and An Post: No quote
AIG: 2200
123.ie: 2120
SuperValu: 1095
Its4women: 1000
AIB: 986
Chill: 930
Liberty (as new customer): 851
BOI: 703

Not to bad really

Does naming a parent reduce your premium? I didn't know this.

tcawley29 · 15-03-2019 5:26pm

cgcsb wrote: »

Does naming a parent reduce your premium? I didn't know this.

Yes. I named both and it always saved me money as a young driver

Odyssey 2005 · 15-03-2019 8:28pm

cgcsb wrote: »

Does naming a parent reduce your premium? I didn't know this.

Definitely does.

johndaman66 · 21-03-2019 12:55am

Meant to post this a good few weeks ago as renewed at the start of the month.

38 year old male living in Limerick County;
12 years NCB in own name and 5 years NCB prior to that as a named driver;
Full Irish drivers license with no penalty points, accidents, claims, convictions, endorsements or medical conditions;
Toyota Auris 2009 1.4 litre petrol, 5dr;
Social, domestic and pleasure use;
Comprehensive cover with step back bonus protection and breakdown assist;
Premium €460 with Insuremycars.ie - Underwriter Allianz.

theintern · 21-03-2019 11:18am

Looking for insurance on a GTI, as my own company Liberty won't quote people who are <30 (which is insane).

29 yo male, 3 years NCB in own name with named driver before that.

162 VW Golf GTI.

Full Irish for 12 years, 0 penalty points, 1 chip repair windscreen claim this year.

2016 - 890 (1.6 diesel 2011 Ford Focus) - 25plus.ie
2017 - 874 (1.6 diesel 2011 Ford Focus) - Liberty
2018 - 897 (2.0 diesel 2013 VW Golf) - Liberty

Quotes on Golf GTI

AA - 1355
Aviva - 1394
Chill - 1253
BOI - 1267
its4women - 1400
Supervalu - 1222
AIG - 1136
An Post - 1094
RSA - 1068
KennCo - 1081
123.ie - 1041

Leaning towards the KennCo quote, because it has something called excess protection, which effectively means you get your excess back after a claim. The others in that ball park are ~300 excess. I think RSAs quote is 500.

Anyone have any recommendation between An Post, 123.ie, RSA or KennCo?

smeal · 21-03-2019 12:04pm

25 y/o female.
2010 1.4 Petrol Vauxhall Astra
6 years no claims
0 penalty points
Currently with Liberty TPFT- last year’s quote was around the €670 mark I think

Renewal this year with Liberty- €721 TPFT/ €951 FC

Shopping results so far:

Aviva €633 fully comp (came in at €1,030 with a broker)

Liberty new policy fully comp €784

Kennco €844 fully comp

2 independent brokers fully comp was between €900 and €1030

Bank of Ireland prestige fully comp €474!! Can’t see myself getting anywhere near this good elsewhere!

theguzman · 21-03-2019 2:20pm

31 y/o Male here
152 VW Jetta 2.0L Diesel DSG
5 Years no claims
0 Penalty Points
Was with Axa Broker Full Comp costing me €740 last year, My renewal was €790, rang up broker and told them I'm changing and they dropped to €720.

Bank of Ireland Prestige quoted me €648.00 for Fully Comp and NCB protection so I went with that as the best quote I got, most were pie in the sky worse than Axa.

Went with BOI and left Axa after 4 years as a customer. However if you decided to renew or change to Bank of Ireland I suggest you do it at least two to three weeks before your renewal date as it took them two weeks to send me my certificate and Insurance for the windscreen, they are woeful slow and you could be held on the phone for 10 minutes before they'd even bother to answer.

brainiac · 21-03-2019 5:11pm

Currently insured with AXA through Campion, due on the 13th April. Still waiting on the renewal letter but had some time yesterday to call around!

2009 Hyundai i20 1.2 Classic 1248cc Petrol
€3000 value
Fully Comprehensive
Male, 25
5 year full license
6 years NCB
One accident two years ago which was paid back to the insurer so a 0 value notification on NCB
No Points
Living in Kildare

2018: 782 with AXA through Campion
2017: 1050 with BOI

Campion (renewal) - TBD
Sheridan (Zurich) - 600 (Full NCB) / 600 (Stepback)
Zurich - 605 (Full NCB) / 576 (Stepback)
Chill (Zurich) - 607 (Full NCB) / 577 (Stepback)
Quotedevil (Zurich) - 617 (Stepback)
Post - 631
FBD - 708
AXA - 710
Blue Insurance - 725
SuperValu - 813
Liberty - 820
KennCo - 850
AIB - 870
25Plus - 873
First Ireland - 930
123 - 970
Allianz Referral - 978
BOI - 989
AA - 1036
Its4Women - 1100
AIG - 1300
Aviva - No Quote

Will update once I have the Campion price. Its looking like it'll definitely be Zurich in some capacity anyway. Quite a nice price from them and their brokers!

grogi · 21-03-2019 5:35pm

brainiac wrote: »

Sheridan (Zurich) - 600 (Full NCB) / 600 (Stepback)
Zurich - 605 (Full NCB) / 576 (Stepback)
Chill (Zurich) - 607 (Full NCB) / 577 (Stepback)
Quotedevil (Zurich) - 617 (Stepback)

With such minimal price difference I would go directly through Zurich.

brainiac · 21-03-2019 5:52pm

grogi wrote: »

With such minimal price difference I would go directly through Zurich.

I probably will be yeah, I'm sure I can get that fiver knocked off regardless!

my3cents · 22-03-2019 3:13pm

Male 60, 75% NCD, wife as named driver on an ancient 2002 1.4 Petrol Polo
AXA renewal €454.36 fully comp + extras (€334.02 if no extras)
Excess €100
No loss of no claims for theft fire or windscreen claims
Comprehensive Driving Other Cars (DOC)
Car and Key rescue
Protected NCD
Glass breakage

Last year same policy was €506.27

So really not going to bother shopping around I'll take it.

Tij da feen · 25-03-2019 12:48pm

Last Year:
€3200 w/ First Ireland
0 Years No Claims
Learner Permit
25 yo Male
2003 Ford Focus 1.4L
TPFT

This Year:
1 Year No Claims
Full License (Just passed a few weeks ago)
26 Year Old Male
151 Ford Focus 1.5L Diesel
Comprehensive Cover

€3300 Axa (First Ireland)
€1460 Zurich (First Ireland)
€1443 Liberty (First Ireland ; TPFT)
€1600 AIB
€1924 Kennco
€1480 Axa Direct
€2500 AA

And the winner:
€685! - Liberty Direct

I have a motorbike policy with them which knocked 92 quid to bring it down to that price. Put my dad on it as well (Despite us living in different houses it knocked a good bit off the price). It's mad how much fiddling with the quote will bring it down. Delighted with the price anyway, wasn't expecting to get it anywhere near this price.

Odyssey 2005 · 25-03-2019 12:59pm

€2600 in the difference...fook me

Tij da feen · 25-03-2019 1:01pm

Odyssey 2005 wrote: »

€2600 in the difference...fook me

Yep. Combination of old car, 0 no claims discount and Learner permit.

If I still had an older car my insurance would still be nuts I'd say.

simulacra75 · 27-03-2019 11:19am

43 y/o Male here
2012 Lexus IS 200D in Co.Clare
9+ Years no claims
0 Penalty Points
Wife as named driver
Comprehensive cover

Allianz
€582

An Post
€555

Aviva
€604

Chill.ie
€802

Liberty
€621

Went with An Post for a finish

jusvi2001 · 28-03-2019 1:31am

38 year old Male
1.2 l peugeot 3008 (2017)
10 Years no claims
0 Penalty Points
Comprehensive cover with full bonus protection and breakdown assistance (last year 465 with 123.ie) and this renewal quote is 450

Liberty

Comprehensive cover with step back bonus protection and breakdown assistance - 565

BOI

Comprehensive cover with step back bonus protection and breakdown assistance - 720

FBD
Comprehensive cover with step back bonus protection and breakdown assistance - 676

ALLIANZ

Comprehensive cover with step back bonus protection and breakdown assistance - 732

AVIVA

Comprehensive cover with step back bonus protection and breakdown assistance - 487

Chill.ie (underwritten by Wrightwa)

Comprehensive cover with step back bonus protection and breakdown assistance - 460

AXA

Comprehensive cover with step back bonus protection and breakdown assistance - 682

POSTINSURANCE

Wont quote online

Sheridan

Comprehensive cover with step back bonus protection and breakdown assistance - 632

in short took 123 renewal quote as it is cheap with full NCB protection.

NIMAN · 28-03-2019 4:45pm

2014 Nissan Leaf
Ages: 40 and 50
Full no claims, no points.

Renewal with Allianz €360, thats fully comp, all protection.

Quotes:
123 = €660
Chill = €493
Axa = €604

I initially was surprised at the renewal price, think its actually down on last year.
Thought I'd try a couple of quotes but can't see anyone else beating the renewal so might just stop searching.

MarkR · 29-03-2019 1:10pm

Got renewal in the door. Aviva, €549.

40 Year. No claims, convictions or points. Full licence, comprehensive. 1.6L Ford Focus Diesel. Used primarly in Clare.

I checked around, and surprisingly, my renewal wasn't that bad. Then someone in work told me about a discount Bank of Ireland give to staff of the university I work it. Down to 429. And I can pay by direct debit over the year, for no additional charge.

Soooooooooold.

wonski · 30-03-2019 2:06am

It's actually nice to see premiums going down (with some exceptions).

Last year this thread wasn't as full of happy customers as it is now.

Many quotes for younger drivers, older cars etc being reasonable, if not great value.

De Danann · 01-04-2019 10:11am

My quote for this year (through another broker, not renewing with my current insurer) is costing me €1,400 cheaper than last year. I can't believe it. Nothing about my circumstances have changed except having one year no claims under my belt now.

Delighted with myself.

I'd rather not give my gender and exact age but I'm under 30 years old and on a Learner Permit.

Last years premium cost me €3,800 (AXA)

This year it will cost me €2,400 (through Sullivan Insurances)

NIMAN · 03-04-2019 2:14am

I just got a quote from Bank of Ireland, and its exactly the same as the renewal I got from Allianz.

Do BoI use Allianz to underwrite, or just coincidence?

wonski · 03-04-2019 2:22am

NIMAN wrote: »

I just got a quote from Bank of Ireland, and its exactly the same as the renewal I got from Allianz.

Do BoI use Allianz to underwrite, or just coincidence?

Could be. Their link led me to rsa link, but maybe they have few more on offer.

AIB had no cost monthly payment plan, if BoI is the same that could be the selling point, especially if the quote is high.

Liberty is offering good quotes this year, too

Finance charge is high, though.

ayux4rj6zql2ph · 03-04-2019 7:06pm

Insurance companies are really really contrary.

My renewal is up at the end of the month.

AXA quoted me €1300 in 2018 on a people carrier used for family purposes, moved to the AA as they came in cheapest for equal cover at €850. Today the AA want €1100, rang around and AXA can do it for €700.

Insurance really is like a game of monopoly, you don't know what you get unless you take part in the game.

Same car the entire time and no changes of anything. Most likely they don't want my custom .

04-04-2019 9:58am

wonski wrote: »

NIMAN wrote: »

I just got a quote from Bank of Ireland, and its exactly the same as the renewal I got from Allianz.

Do BoI use Allianz to underwrite, or just coincidence?

Could be. Their link led me to rsa link, but maybe they have few more on offer.

AIB had no cost monthly payment plan, if BoI is the same that could be the selling point, especially if the quote is high.

Liberty is offering good quotes this year, too

Finance charge is high, though.

Boi have the same no cost payment plan

ofcork · 04-04-2019 10:53am

I'm with boi and it's underwriter is rsa no extra cost dd option.

tiredblondie · 04-04-2019 3:05pm

Renewal came in from 123.ie for 512euro
Only one to come close to that was SuperValu (through AXA) at 514euro but they are offering 50euro in SuperValu vouchers with it.
Rang 123.ie to see if they could do anything with the price and told straight up NO!
Ah well, looks like i'm moving so - i guess 123.ie aren't interested in keeping customers!

Odyssey 2005 · 04-04-2019 8:41pm

tiredblondie wrote: »

Renewal came in from 123.ie for 512euro
Only one to come close to that was SuperValu (through AXA) at 514euro but they are offering 50euro in SuperValu vouchers with it.
Rang 123.ie to see if they could do anything with the price and told straight up NO!
Ah well, looks like i'm moving so - i guess 123.ie aren't interested in keeping customers!

Have been receiving emails from 123vfor the past3 years re ins for my son. They have NEVER been under €5.5k. I have him insured comp in his own name for less than €800. Only got another mail from them today.

grounderfill · 09-04-2019 1:39pm

My mother - 81, new quote due to renewal lapsing
5+ yrs no claim bonus
Driving yrs as named driver.
Main driver last 3
Aviva â‚¬1120
AXA â‚¬700

Geuze · 09-04-2019 1:41pm

2011 Octavia, last year = 700 with AIG, through An Post brokers
renewal = 665, before having a chat with the An Post staff

switched to 2015 Octavia, had a chat with staff, 560 with AIG

20% off, and I don't really know why.

Wildly Boaring · 09-04-2019 8:52pm

Mid 30s
Rural
Full no claims
Comp
Breakdown assist
Class 1
High mileage
300 excess

2.0 diesel kuga

Renewal AIG 635
Online AIG 585
Aviva 623
FBD 692
Chill 623
AXA 582
123.ie 810
AA 620
Liberty 667
Itsforwomen 588
Allianz - ****e website, it gave up on me, I gave up on it

The winner was An Post 520 initially and 550 with class 1. No way to add it online.
Through Aviva.

ShadowHearth · 10-04-2019 5:42pm

Male
33
11ncb
No points or accidents
Seat ibiza Cupra 1.8t 192hp 2017
Previous year 980eu

Renewal 1150eu ( feck you FBD )

On positive side same broker got me renewal for 1001eu from AXA.

So sick of paying 1k for insurance while having 11ncb and no accidents or penalty point ever.

wotzgoingon · 10-04-2019 6:34pm

That's pricey enough SH. Just looked up your car it's quick enough. It's as quick as some larger bigger engined cars due to their extra weight.

I see it has 8 injectors also port and direct.

inna981 · 10-04-2019 7:15pm

Getting my sister on the road

2007 Peugeot 207 1.4 petrol
Third Party
22F
Provisional Licence 3 years with 0 years NCB (only starting driving now)
No Points
Kilkenny
Me and the mother down as a named driver (23F and 58F full licences)

Aviva, BOI, FBD, Chill, An Post: No quote
123.ie: 5019 hahahaha
Its4women: 4800
AA: 4800
AIG: 4500
Liberty: 3100
Boxymo: 2300
AXA: 2215
SuperValu: 2215

Went with AIB at 2139

Not great, but it'll finally get her on the road.

Odyssey 2005 · 10-04-2019 7:20pm

inna981 wrote: »

Getting my sister on the road

2007 Peugeot 207 1.4 petrol
Third Party
22F
Provisional Licence 3 years with 0 years NCB (only starting driving now)
No Points
Kilkenny
Me and the mother down as a named driver (23F and 58F full licences)

Aviva, BOI, FBD, Chill, An Post: No quote
123.ie: 5019 hahahaha
Its4women: 4800
AA: 4800
AIG: 4500
Liberty: 3100
Boxymo: 2300
AXA: 2215
SuperValu: 2215

Went with AIB at 2139

Not great, but it'll finally get her on the road.

Put her on the Aviva young driver program

ShadowHearth · 10-04-2019 8:15pm

wotzgoingon wrote: »

That's pricey enough SH. Just looked up your car it's quick enough. It's as quick as some larger bigger engined cars due to their extra weight.

I see it has 8 injectors also port and direct.

It's not slow car indeed, small size factor with bigger displacement and turbo makes it very happy little car. Can't complain.
My biggest issue is that I am Limerick city. I bet I am paying at least 200eu extra just for that.

What really funny is, that I had Alfa GT 1.9 JTDM 04" and was told my insurance is 1k eu, because it's old, powerful and Alfa...
Got brand new Seat and insurance still same and now qoutes going even up. Last year I spent hours filling in forms and calling for cheaper insurance and it was same or more everywhere else. This year I tried few quick ones and just didn't bother. Will bend over, pay 1k and wait again for a year with lube ready.

jimgoose · 15-04-2019 4:22pm

Gender: Male
Age: 47
Car: 2011 Ford Focus Style 1.6 TDCi 110
NCD: Yurt
Licence: Obviously
Area: Cork City Southside
Cover: Full comp/breakdown/glass/step-back
Renewal: €581 AXA
Last year: €650 AXA

Rang them up, they won't budge below €555, so fuck 'em. Got better cover from RSA via BoI for €378. I'm dropping my full-comp-on-other-cars, but I can do without it. Quite happy.

morritty · 15-04-2019 4:27pm

jimgoose wrote: »

Car: 2911 Ford Focus Style 1.6 TDCi 110

And people are worrying about diesel being dead, Ford still uses the 1.6 TDCI in the year 2911

jimgoose · 15-04-2019 4:32pm

morritty wrote: »

And people are worrying about diesel being dead, Ford still uses the 1.6 TDCI in the year 2911

Well, it turns out this battery business is a bit trickier than anyone had supposed.

septicsac · 15-04-2019 10:24pm

Wifes insurance
45
Full ncb 10+yrs
Full license 15 yrs
No claims, penalty pts or convictions
Louth
Hyundai ix35 1.7 2014
Itsforwomen renewal 474
No one else even close, some ridiculous quotes over 800€ esp considering everything clean
Contacted Itsforwomen and they did it for 437€

Pops_20 · 17-04-2019 9:35am

Your Age: 27
Car type and engine: 1995 Nissan 180sx 2.0 Turbo
Cover: Fully Comp
Area: Cork City South
years driving: 10
any claims: No
Price and provider: €755 Liberty
Lat year: €845 Liberty

While I'm happy it came down a bit, I think it should be cheaper because I have one year more NCB and 3 Penalty Points less than last year.

The way they work it is cheeky. I should have been looking at a €300 reduction, but they increased the base premium from 1600 > 1900. Unfortunately I can't shop around because of the age and type of car.

biko · 17-04-2019 12:55pm

biko wrote: »

Renewed now - Liberty quote me €550 for another year.

Renewal time again
Went with Liberty again, €562
On par or cheaper than others I looked at, around 6 companies or so from the sticky list

sheroman01 · 17-04-2019 4:23pm

I switched cars, from 1.4 petrol to 1.6 diesel. Before and what they have offered me now.

Before:
====
Gender: Male
Age: 26
Car: 2006 VW Golf 1.4 Petrol
Area: Meath
Cover: Full comp
Last year: €555 AA

Renewal:
====
Gender: Male
Age: 27
Car: 2010 VW Golf 1.6 Diesel
Area: Meath
Cover: Full comp
Last year: €840 AA

beertons · 18-04-2019 11:12pm

Renewal came in there a while ago, €711 on a 03 1.9 golf. I've had the car 15 years. Said this to herself from fbd. Got it down to €655. Happy enough with that.

LediVal · 19-04-2019 11:14am

Your Age: 26 F
Car type and engine: BMW 520d 2006
Cover: Comp
Area: louth
years driving: 0, full Irish licence from Feb 19
any claims: No
Price and provider: 2990 Sullivan insurance
Aib 6000
AA 6500
Quote devil 3837
First Ireland 3850
Campion 3450
Coverinaclic 3580
Chill 4360.

Marcusm · 23-04-2019 7:26pm

Two policies with Liberty; each reduced 8-10%.

moonlighting_1 · 24-04-2019 12:02am

LediVal wrote: »

Your Age: 26 F
Car type and engine: BMW 520d 2006
Cover: Comp
Area: louth
years driving: 0, full Irish licence from Feb 19
any claims: No
Price and provider: 2990 Sullivan insurance
Aib 6000
AA 6500
Quote devil 3837
First Ireland 3850
Campion 3450
Coverinaclic 3580
Chill 4360.

thats shocking bad.
looks like your going to have to change car.

angel eyes 2012 · 24-04-2019 9:34am

2012 Hyundai i20
Fully Comprehensive and NCB Full Protection
F
Full Licence 14 years with full NCB
Dublin
Spouse as a named driver (full licence)

2018: €488
Renewal (Blue Ins): €708
Post Insurance: €525
123.ie:€539
Chill: €635
FBD: €591
Liberty:€804 (always high for me for some reason)

I'm not giving up!

chancer12 · 27-04-2019 4:48pm

Anyone got any experience of An Post? Came in with the best quote for me

Female, 60, 10+ no claims, no penalty points, 2010 Ford Fiesta, but have my daughter on the policy as named driver, She's 24, full licence (less than a year). An Post quoted 601 fully comp, breakdown assist, windscreen cover, step back. Currently with AA, quoting 630. They don't include breakdown assist, you have to get separate AA membership for 90. Their argument is that they are the only provider who will send a mechanic to fix your car. All others tow you to the nearest garage and you're liable for all other costs.

TBH, I've only used breakdown assist at any point for a flat battery after hols so wasn't aware of this. I find the whole process so time-consuming and frustrating. the AA have come down more than 200 on the original quote but I think you'd need a degree in insurance to understand the Ts & Cs. You think you're covered until you make a claim, grrrr.

Wildly Boaring · 27-04-2019 7:13pm

An post were best for me this year.
Just an aviva policy

Duffryman · 27-04-2019 9:11pm

Think I must be doing better than most. Just got my renewal notice from Aviva. €361 - up slightly from €337 last year, but still happy with it.

Male, late 40s, driving a 1.4 litre Kia Ce'ed (131 reg). Not exactly a head-turning car, but it gets me around safely and economically.

No penalty points, umpteen years NCB (never actually had a claim in approx. 25 years driving), with wife as a named driver - she has no penalty points either, and also has a full NCB on her own insurance for her own car. We also have house insurance with Aviva, so qualified for a loyalty discount.

€361 price includes stepback NCB protection, driving other cars, windscreen cover, breakdown cover, etc.

Did a quick shoparound with a few others anyway, not expecting to do any better. Best I saw was €447 with Axa.

Car insurance - tell us your quotes/renewals

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