Car insurance - tell us your quotes/renewals

chancer12 · 29-04-2019 12:24pm

chancer12 wrote: »

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.

Now quoted 587 with Cornmarket … going with them!

CinammonGirl · 29-04-2019 12:29pm

Female, late 40s
BoI quoted renewal of €461.29 fully comp
Got it for €408.00 fully comp with KBC (underwritten by Zurich)
Would have been cheaper if I could have put someone else on as named driver

deisedude · 29-04-2019 12:29pm

Male 30
No penalty points
5+ years no cliams bonus
Full license
Drive roughly 30,000km per year
1.6L 2013 Ford Focus

Got quoted over €700 from FBD, axa, AIB, Allianz and a few more for comprehensive

Aviva were €520 so went with them

chancer12 · 29-04-2019 12:49pm

CinammonGirl wrote: »

Female, late 40s
BoI quoted renewal of €461.29 fully comp
Got it for €408.00 fully comp with KBC (underwritten by Zurich)
Would have been cheaper if I could have put someone else on as named driver

.. use a friend's contact details. They could do the same for you and reduce it for both of you. Got to play the system!

CinammonGirl · 29-04-2019 1:07pm

Yeah I should have done that, the guy actually said the person did not have to be living at same address (OH has claim in) but he kind of caught me on the hop and I just wanted to get it done and dusted!

Truckermal · 29-04-2019 6:58pm

Last few years 450-480.. This year 850 with AA as per renewal.

Zurich 1500
Liberty 2200
Chill 1200
Aviva 1800
MIG.IE 700

I've numerous other places tried who were all over 800 I can't understand why it's gone up.

Male.
Age 40.
2005 Lexus GS 300.
6K KMS per annum.
10 year's NCB.
0 point's.
Live in rural Cork car is kept in a secure location....

septicsac · 29-04-2019 9:39pm

Truckermal wrote: »

Last few years 450-480.. This year 850 with AA as per renewal.

Zurich 1500
Liberty 2200
Chill 1200
Aviva 1800
MIG.IE 700

I've numerous other places tried who were all over 800 I can't understand why it's gone up.

Male.
Age 40.
2005 Lexus GS 300.
6K KMS per annum.
10 year's NCB.
0 point's.
Live in rural Cork car is kept in a secure location....

Suspect its age of car, over 14 yrs old means many in market dont want it, not sure why, renewal has to be given, but know you are limited in quotes so can bump it?

wonski · 29-04-2019 10:50pm

septicsac wrote: »

Suspect its age of car, over 14 yrs old means many in market dont want it, not sure why, renewal has to be given, but know you are limited in quotes so can bump it?

Liberty offered me insurance for 700 with car of same age. It was 1.8 petrol, though, so maybe Lexus is at different scale.

This over 10 years old rulr seems to dissapear for me this year, had many quotes in 500-700 bracket, unfortunately my 3 penalty points appeared to be still on record so had to go with Liberty for 700.

arleitiss · 03-05-2019 8:37am

Renewal due.

25, M, Full Clean license for 6 years, NCB 6 years, no penalty points.
Driving less than 10k km per year.
Car: BMW 318D M-Sport 2009 Sedan

(Fully comp, other cars + step back NCB Protection).

AA - €1090
123 - €1300
Liberty - €1217
Aviva - €1157
Allianz (TPFT Only) - €1324
KenCo via First Ireland: €1150
Chill Insurance: €1250
Zurich: €1276 (down from €1430 last year)

Gonna go with AA I guess.

I don't understand why the **** it's still so high, like how old do I have to be to have it below 1000.

handofdog · 03-05-2019 9:30am

arleitiss wrote: »

Renewal due.

25, M, Full Clean license for 6 years, NCB 6 years, no penalty points.
Driving less than 10k km per year.
Car: BMW 318D M-Sport 2009 Sedan

(Fully comp, other cars + step back NCB Protection).

AA - €1090
123 - €1300
Liberty - €1217
Aviva - €1157
Allianz (TPFT Only) - €1324
KenCo via First Ireland: €1150
Chill Insurance: €1250
Zurich: €1276 (down from €1430 last year)

Gonna go with AA I guess.

I don't understand why the **** it's still so high, like how old do I have to be to have it below 1000.

You should definitely try it's 4 women. A colleague in our office is in a similar situation and he saved hundreds. Nothing to lose by trying!

handofdog · 03-05-2019 9:30am

arleitiss wrote: »

Renewal due.

25, M, Full Clean license for 6 years, NCB 6 years, no penalty points.
Driving less than 10k km per year.
Car: BMW 318D M-Sport 2009 Sedan

(Fully comp, other cars + step back NCB Protection).

AA - €1090
123 - €1300
Liberty - €1217
Aviva - €1157
Allianz (TPFT Only) - €1324
KenCo via First Ireland: €1150
Chill Insurance: €1250
Zurich: €1276 (down from €1430 last year)

Gonna go with AA I guess.

I don't understand why the **** it's still so high, like how old do I have to be to have it below 1000.

You should definitely try it's 4 women. A colleague in our office is in a similar situation and he saved hundreds. Nothing to lose by trying!

handofdog · 03-05-2019 9:30am

arleitiss wrote: »

Renewal due.

25, M, Full Clean license for 6 years, NCB 6 years, no penalty points.
Driving less than 10k km per year.
Car: BMW 318D M-Sport 2009 Sedan

(Fully comp, other cars + step back NCB Protection).

AA - €1090
123 - €1300
Liberty - €1217
Aviva - €1157
Allianz (TPFT Only) - €1324
KenCo via First Ireland: €1150
Chill Insurance: €1250
Zurich: €1276 (down from €1430 last year)

Gonna go with AA I guess.

I don't understand why the **** it's still so high, like how old do I have to be to have it below 1000.

You should definitely try it's 4 women. A colleague in our office is in a similar situation and he saved hundreds. Nothing to lose by trying!

Jb1989 · 03-05-2019 9:45am

handofdog wrote: »

You should definitely try it's 4 women. A colleague in our office is in a similar situation and he saved hundreds. Nothing to lose by trying!

Women? He?

sheroman01 · 03-05-2019 9:51am

sheroman01 wrote: »

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

Went from renewal of 840 with AA to 512 with Liberty, after I put my father down as a named driver. More than happy with that!

arleitiss · 03-05-2019 10:01am

handofdog wrote: »

You should definitely try it's 4 women. A colleague in our office is in a similar situation and he saved hundreds. Nothing to lose by trying!

I am not a woman though :pac:

Tij da feen · 03-05-2019 10:02am

arleitiss wrote: »

I am not a woman though :pac:

Doesn't mean you can't get insured by them. Just a company name ; they can't discriminate on gender.

handofdog · 03-05-2019 11:55am

Tij da feen wrote: »

arleitiss wrote: »

I am not a woman though :pac:

Doesn't mean you can't get insured by them. Just a company name ; they can't discriminate on gender.

I'm not female either and they were cheapest for me too.

arleitiss · 03-05-2019 1:47pm

Got 1150 from It's 4 Women.

AA still the cheapest.

commited · 03-05-2019 9:13pm

arleitiss wrote: »

Got 1150 from It's 4 Women.

AA still the cheapest.

Have you tried adding spouse/parent as named driver?

flexcon · 06-05-2019 9:28am

The difference is quotes for the same car and same scenario is insane.

I had €1,150 from Axa
Yet straight up Aviva offered it for €501.80

carzony · 08-05-2019 10:49pm

Quick question lads,

My renewal is due on Friday and i've gotten much cheaper quotes from other providers, currently with Axa but they've automatically renewed my policy without my permission, they even sent me out a disk and insurance cert.

123.ie has given me a quote nearly 200 euro cheaper than Axa. Surely I'm entitled to cancel the policy with Axa as it's not even due until the Friday?

punisher5112 · 09-05-2019 7:34am

carzony wrote: »

Quick question lads,

My renewal is due on Friday and i've gotten much cheaper quotes from other providers, currently with Axa but they've automatically renewed my policy without my permission, they even sent me out a disk and insurance cert.

123.ie has given me a quote nearly 200 euro cheaper than Axa. Surely I'm entitled to cancel the policy with Axa as it's not even due until the Friday?

Yes you can of course cancel.

Send the documents back but contact them as soon as possible and state this.

Try them they may well match otherwise walk.

Odyssey 2005 · 09-05-2019 8:24am

carzony wrote: »

Quick question lads,

My renewal is due on Friday and i've gotten much cheaper quotes from other providers, currently with Axa but they've automatically renewed my policy without my permission, they even sent me out a disk and insurance cert.

123.ie has given me a quote nearly 200 euro cheaper than Axa. Surely I'm entitled to cancel the policy with Axa as it's not even due until the Friday?

100% they'll cancel it. Someone didnt tic ,or untic a box last year.

Marcusm · 09-05-2019 8:14pm

Insurance renewal €771, annual motor tax €1,809. I think I have the wrong car!

ayux4rj6zql2ph · 09-05-2019 8:15pm

Marcusm wrote: »

Insurance renewal €771, annual motor tax €1,809. I think I have the wrong car!

Something over 3.0???

Marcusm · 09-05-2019 9:37pm

Addilyn Fast Sediment wrote: »

Something over 3.0???

4.2 and 14 years old; it just struck me as I was paying both of them that it is completely out of whack. Not worth much but v comfortable. Just impressed that insurancevis sub 800.

Odyssey 2005 · 10-05-2019 10:32am

Renewal just came in from Aviva.
2010 superb, 1.8 tsi
Fully comp + full bonus protect windows etc.
57 yo
Full bonus
€338.

dvdman1 · 15-05-2019 1:11pm

Full licence since January age 37 Male
Only 1 yr driving and 1yr no claims bonus
Last yr was €2050 TPFT 25plus.ie
Renewal was 937 TPFT

This yr heres my results:

€972 Zurich FC 923tpft
AXA €1439 FC
123.ie €1097 TPFT
FBD unable to quote need min 2yrs driving
AVIVA Unable, no spaces left on there ignition test
Quote devil €1085 TPFT
Allianz €1475
GMHD- Alliancz €1574
KennCo-Axa €1799
Liberty 1067 TPFT
Quoteme 1615
Blue 1589
Bank of irl 1680
First Ireland 1607

So Zurich Fully comp for 972 it'll be.

Rows Grower · 19-05-2019 10:18am

Hopefully some good news for all of us.

https://www.independent.ie/business/personal-finance/premiums-to-fall-if-probe-reveals-insurance-sector-cartel-says-legal-expert-38123457.html

ayux4rj6zql2ph · 19-05-2019 11:09am

Rows Grower wrote: »

Hopefully some good news for all of us.

https://www.independent.ie/business/personal-finance/premiums-to-fall-if-probe-reveals-insurance-sector-cartel-says-legal-expert-38123457.html

I wouldn’t hold my breath on that

Odyssey 2005 · 19-05-2019 11:34am

Odyssey 2005 wrote: »

Renewal just came in from Aviva.
2010 superb, 1.8 tsi
Fully comp + full bonus protect windows etc.
57 yo
Full bonus
€338.

Went online with Aviva and put in my details, quote came back as €280.

davidjtaylor · 27-05-2019 6:23pm

Odyssey 2005 wrote: »

Renewal just came in from Aviva.
2010 superb, 1.8 tsi
Fully comp + full bonus protect windows etc.
57 yo
Full bonus
€338.

Jesus that's cheap.

davidjtaylor · 27-05-2019 6:25pm

Odyssey 2005 wrote: »

Went online with Aviva and put in my details, quote came back as €280.

Jesus, Joseph, Mary and Joe Burke, that's really cheap.

davidjtaylor · 27-05-2019 6:28pm

2014 1.6 Golf Highline
Never claimed, never any penalty points, spouse the same, driving 40 years each.

Quotes vary from €390 up to €892 and everything in between.

The strange thing is, in the past the AA have quoted really dear for me but this year, they're the cheapest by a significant amount.

It pees me off that I've never claimed a sodding thing but year to year my insurance goes up and up and up and up and up.

Odyssey 2005 · 27-05-2019 6:32pm

davidjtaylor wrote: »

Jesus, Joseph, Mary and Joe Burke, that's really cheap.

Paid it last Thursday, isn't due until 15th June. Couldn't get over it.

davidjtaylor · 28-05-2019 3:44pm

Finally. Post Insurance (One Direct) €1.35 cheaper than last year's insurance with 25plus.ie

(Renewal had gone up by €60 despite 100% clean claims record and no penalty points)

Still €45 dearer than Odyssey's though. :mad:

Skuxx · 07-06-2019 11:15am

My wife's renewal came in today, it has more than doubled from last year.

She's 32, driving a 2009 Nissan Qashqai,no points, claims etc.... Gone from €520 last year to €1280!

Odyssey 2005 · 07-06-2019 11:20am

Insured MrsO's car yesterday. Post insurance
E300
Fully Comp.
Licence over 20 yes
No points
1 yr NBC due to being on fleet policy for the past 12 years
No claims...
Last year €800 +
Renewal was €670.
Called them and got it for €599.

Odyssey 2005 · 07-06-2019 11:21am

Skuxx wrote: »

My wife's renewal came in today, it has more than doubled from last year.

She's 32, driving a 2009 Nissan Qashqai,no points, claims etc.... Gone from €520 last year to €1280!

Fook me that's saucy. ( the renewal, not your missus

)

davidjtaylor · 07-06-2019 11:48am

Odyssey 2005 wrote: »

Insured MrsO's car yesterday. Post insurance
E300
Fully Comp.
Licence over 20 yes
No points
1 yr NBC due to being on fleet policy for the past 12 years
No claims...
Last year €800 +
Renewal was €670.
Called them and got it for €599.

Every year (except one) my insurance has gone up on previous years. And every year, I spend most of a day shopping around. I nearly always get my insurance roughly the same from year-to-year (given the same car of course).

Post Insurance - or One Direct in the past - and the AA have always been amongst the most expensive quotes. But not this year: they were the cheapest. What gives?

Skatedude · 11-06-2019 5:02am

97 BMW 840 ci sport on Classic insurance, 6000 yearly millage limit.
Last year 450.
This year 499.

Going up, but still happy enough with it, but need to ring them as the valuation they have is 10k, and a low millage model goes for about 20k and up. I'd rather pay more to make sure I have the proper cover.

davidjtaylor · 11-06-2019 10:05am

Skatedude wrote: »

97 BMW 840 ci sport on Classic insurance, 6000 yearly millage limit.
Last year 450.
This year 499.

Going up, but still happy enough with it, but need to ring them as the valuation they have is 10k, and a low millage model goes for about 20k and up. I'd rather pay more to make sure I have the proper cover.

Fair enough if you think you haven't got proper cover, Skatedude, but my earlier point - that insurance goes up way year after year over the cost of inflation for the same car with no claims - is criminal.

Maybe people should argue this point when their renewal comes round. After all, wouldn't an insurer prefer to get the same as they charged last year rather than zero?

Odyssey 2005 · 14-06-2019 1:48pm

Just go a renewal for my sons insurance.
Fully comp.. no bonus protection
07 1.4 Octavia
1500 value
No points
21 years old
3 years in own name
€670

Went online
Put in all the same details
€421 or €463 with full bonus protection

Bigmac1euro · 14-06-2019 1:56pm

Odyssey 2005 wrote: »

Just go a renewal for my sons insurance.
Fully comp.. no bonus protection
07 1.4 Octavia
1500 value
No points
21 years old
3 years in own name
€670

Went online
Put in all the same details
€421 or €463 with full bonus protection

What insurance company is this with ? That's unreal.

Odyssey 2005 · 14-06-2019 2:07pm

Bigmac1euro wrote: »

What insurance company is this with ? That's unreal.

Aviva.

clones1980 · 14-06-2019 2:20pm

€734 - Aviva online

Fully comp for 08 Golf 1.9.
39 year old female driver
Full licence for forever
no penalty points,
no claims
That does not include bonus protection etc

SCOOP 64 · 14-06-2019 2:23pm

Tried anywhere else, that quote seems expensive for your record.

wotzgoingon · 14-06-2019 3:34pm

Odyssey 2005 wrote: »

Just go a renewal for my sons insurance.
Fully comp.. no bonus protection
07 1.4 Octavia
1500 value
No points
21 years old
3 years in own name
€670

Went online
Put in all the same details
€421 or €463 with full bonus protection

Something not right there but I doubt you are complaining.

Odyssey 2005 · 14-06-2019 4:14pm

wotzgoingon wrote: »

Something not right there but I doubt you are complaining.

Agreed. They just called me. Am in negotiations atm. Then their system crashed

. Gona call me back . We shall see. They sent me a email with the quote but that's probably not worth the paper its written on.

Bigmac1euro · 14-06-2019 6:45pm

Odyssey 2005 wrote: »

Agreed. They just called me. Am in negotiations atm. Then their system crashed . Gona call me back . We shall see. They sent me a email with the quote but that's probably not worth the paper its written on.

Prepare to pay double or triple although for your sons sake hopefully not. But they’ll come back to you with some lame excuse or maybe just maybe they will honour it.

Car insurance - tell us your quotes/renewals

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