Total Insurance Premium Paid Vs Total Claimed

HelterSkelter

Just wondering how much people have paid out in insurance over the years and how much they claimed back. I'll get the ball rolling:

Years insured: 6
Total premium paid: €10,200
Total claimed: one claim for a new windscreen, so whatever that costs.

Stark

Years insured: 2
Total premium paid: €3200
Total claimed: €0

Stephen

Years insured (combining both motorbike and car premiums here, and taking pound -> euro change into account): 6... 2 years on a scooter, 2 years on a (slow) bike, and 2 years in cars. Most of it all on full licences.
Total premium paid: €6179, give or take a tenner
Total claimed: £700 (roughly €925) for a stupid accident with the scooter when I was 16. Throttle got stuck and crashed it into the side of a 4x4. The 700 was for panel beating/spraying.

mike65

I'm not even going to add it up, but at least I have the satisfaction of a pay-out!

Mike.

Anan1

Years insured 19. I'm guessing my total premiums paid at around €25,000. One claim, in 1987, for IR£30,000. Looks like it'll take them another 20 years or so to break even on me!

seamus

Years insured: 6.5 (4 on a bike, 2.5 in totals on cars)
Total Paid: €16,250
Total Paid out: €2,500

Supercell

Years insured: 8 (7 On Bike almost 1 bike plus car)
Total Paid: €12,000 roughly
Total Paid out: €0 precisely

My car driving tester still failed me the b*****d, clearly i'm unsafe on the road.

numorouno

Years insured: 3
Total Paid: €2984
Total Paid out: €0 precisely

quarryman

This thread is a good idea. Interested to see how it (fails) to pan out....

Years insured: 2
Total paid: €4200
Claimed: 0

dahamsta

mike65 wrote:

I'm not even going to add it up, but at least I have the satisfaction of a pay-out!

And a higher premium?

mike65

For a while!

On the straight and narrow full NCB now.

Mike.

byte

Years insured: 3
Total paid: €3,200 approx.
Paid out: €0

Personally, I hope my Paid out box remains €0.

jhegarty

Years insured: 5
Total paid: €10,300
Paid out: The cost of printing 5 insurace discs and posting them to me :mad:

jimmycrackcorm

Years Insured: 4
Total paid: 0
paid out: 0

Did I mention I have a company car?

ToxicPaddy

Years insured: 12
Total Premium: €22500
Total Payout: No idea but had 2 claims.. just handed it over to the insurance company and cried at the thought of my next premium quote

Not too bad now but then again if I traded in my car, the sales guy might offer me a lukewarm cup of coffee and his half eaten sandwich in exchange

kluivert

Years Insured: 4
Total Premiums: 6500 approx
Total Paid Out: 0

Kermitt

Years insured 4
Total premiums - €9300
Total claimed - €front bumper & bonnet for a polo & rear of a corolla. Dunno the cost but at leas i get some of the money's worth back:(

jayok

jimmycrackcorm wrote:

Years Insured: 4
Total paid: 0
paid out: 0

Did I mention I have a company car?

Don't you have BIK?

unkel

Total premia: many thousands
Total claims: one claim after a junkie smashed in the window with a brick and ripped out the CD player :mad:

Damage about £500 iirc...It wasn't my fault of course, so my NCB was not affected and my premium did not increase. Although I have heard people claim that a break-in affected their NCB?

Seth Brundle

Like most I have paid out several thousand over the years and never claimed.
I did pursue a claim 11 years ago when knocked down by a motorist. I recieved IR£5k and presumably both the drivers and my legal fees were substantially more!

Stark

unkel wrote:

Damage about £500 iirc...It wasn't my fault of course, so my NCB was not affected and my premium did not increase. Although I have heard people claim that a break-in affected their NCB?

Generally it's a "no claims bonus" as specifically opposed to a "no blame bonus".

You just lose your comprehensive NCB and keep your third party NCB though.

layke

2 Years (not counting motorbike experience).

Total :: €6300
Claim :: €0

I'm turing 25 in September guys, will my insurance drop a bit as it's up for renewal in November?

Stark

layke wrote:

I'm turing 25 in September guys, will my insurance drop a bit as it's up for renewal in November?

Should do yeah. Also make sure to shop around as you'll have a good deal more options open to you once you turn 25.

jayok

Just added this up:

Years on own policy: 8
Premium Paid: €14,000
Claims: One Windscreen (maybe €400-500?)

Jeez I'm depressed now.

Henry Ford III

Paid many thousands over 25+ years.

Claims - Zero.

blastman

Years insured: 10
Premuims: €10K or so
Claims: A couple of hundred for a windscreen replacement.

Carb

I'm just into my 4th year now. I've paid 7150 euro. No claims yet.

dahamsta

C'mon lads, stop acting the maggot. Somebody's got to pay for all the TV advertising, the vast salaries, the enormous share payouts, etc.

adam

mike65

They are doing very well out of us!

Mike.

Going Demented

Years Insured: 6
Total paid: 11,500
Claims: 0

deRanged

years insured: 3
total paid: 3100
claims: 0