Car insurance - tell us your quotes/renewals

grogi

Sadb wrote: »

Ncb protection is really only good for your own company and even then it's not always worth it.

I just did run a quote through AXA, because their quotation is the fastest one...

34 YO Polisher, Driving a 2012 Ford Mondeo 2.0 TDCI, Living in Cork, a very recent claim in 2017 for €9800.

With 6 years NCB - 1,107.03
With 3 years NCB - 1,503.70
With 0 years NCB - 4,082.05

NCB DOES MATTER, even for a new policy.

Sadb

grogi wrote: »

I just did run a quote through AXA, because their quotation is the fastest one...

34 YO Polisher, Driving a 2012 Ford Mondeo 2.0 TDCI, Living in Cork, a claim in 2014 for €9800.

With 6 years NCB - 1,107.03
With 3 years NCT - 1,503.70
With 0 years NCB - 4,082.05

NCB DOES MATTER...

That is not my experience with my claim.

Sue Pa Key Pa

Sadb wrote: »

No. My renewal with my current company is €564. Someone was saying up thread that having no ncb protection was nearly as irresponsible as having no insurance and I was pointing out that ncb protection is hardly worth the paper it's written on as you still have to disclose the claim if changing company and many won't even give a quote (as happened ime) if you have had a claim, even if your ncb is still intact (which mine is as I had full ncb protection, not step back). Ncb protection is really only good for your own company and even then it's not always worth it.

What made you think that one of your insurer's competitors would amend their rating structure and acceptance terms because you gave your insurer extra money for bonus protection?

Sadb

Sue Pa Key Pa wrote: »

What made you think that one of your insurer's competitors would amend their rating structure and acceptance terms because you gave your insurer extra money for bonus protection?

I didn't

Sadb

Sue Pa Key Pa wrote: »

What made you think that one of your insurer's competitors would amend their rating structure and acceptance terms because you gave your insurer extra money for bonus protection?

I didn't

kerten

grogi wrote: »

I just did run a quote through AXA, because their quotation is the fastest one...

34 YO Polisher, Driving a 2012 Ford Mondeo 2.0 TDCI, Living in Cork, a very recent claim in 2017 for €9800.

With 6 years NCB - 1,107.03
With 3 years NCB - 1,503.70
With 0 years NCB - 4,082.05

NCB DOES MATTER, even for a new policy.

I always buy NCB protection myself for the same reason but I was under impression that it will certainly be protected by the company you are with(higher premium minus NCB discount) and others may or may not accept it as it is.

grogi

kerten wrote: »

I always buy NCB protection myself for the same reason but I was under impression that it will certainly be protected by the company you are with(higher premium minus NCB discount) and others may or may not accept it as it is.

At the end of your policy you get a certificate how much NCB you have earned. The certificates states how many percents of discount you have, how many years of claims free driving is needed to earn it and how many years claims free you have on that particular policy (which resets if you switch between companies).

When getting a quote you put how much discount you have (how many years this corresponds to) and disclose any claim you had in the last (typically) 5 years. If in doubt you can always ask for clarification, but that's how this usually works.

honda boi

grogi wrote: »

I just did run a quote through AXA, because their quotation is the fastest one...

34 YO Polisher, Driving a 2012 Ford Mondeo 2.0 TDCI, Living in Cork, a very recent claim in 2017 for €9800.

With 6 years NCB - 1,107.03
With 3 years NCB - 1,503.70
With 0 years NCB - 4,082.05

NCB DOES MATTER, even for a new policy.

Are those quotes with telling them about a claim?

grogi

honda boi wrote: »

Are those quotes with telling them about a claim?

You call me stupid? Of course.

skibum

Your Age: 51
Car type and engine: 2001 Opel Astra 1.4
years driving: 32
any claims: none
Price and provider: Allianz, €461 Renewal, fully comp with bonus protection etc


AXA quoted me €841, 123.ie €781..........

honda boi

grogi wrote: »

You call me stupid? Of course.

Wow no one called you stupid ,I was just asking

grogi

honda boi wrote: »

Wow, no one called you stupid

That's what I call exaggeratation

,I was just asking

What point would I be making if the claim wasn't even mentioned?

Imallrightjack

lads is there anything wrong with giving the renewal date 10 days in advance of the actual renewal date to get a cheaper quote?i read a thread in here sometime ago that it reduces the price of it.(i cant find the thread)
and it has reduced it by two hundred euro.i just want some advice on it if anyone has done it or is it ok etc?

Kuva

Imallrightjack wrote: »

lads is there anything wrong with giving the renewal date 10 days in advance of the actual renewal date to get a cheaper quote?i read a thread in here sometime ago that it reduces the price of it.(i cant find the thread)
and it has reduced it by two hundred euro.i just want some advice on it if anyone has done it or is it ok etc?

that thread is over in bargain alerts

Kuva

Kuva wrote: »

that thread is over in bargain alerts

here it is, htt p://touch .boards.ie/thread/2057752858/1

Imallrightjack

Kuva wrote: »

here it is, htt p://touch .boards.ie/thread/2057752858/1

I just searched the first 26 pages of bargain alerts and couldn't find it.that link doesn't work.

Kuva

http://touch.boards.ie/thread/2057752858/1

I can post links now, there she is

Imallrightjack

Kuva wrote: »

http://touch.boards.ie/thread/2057752858/1

I can post links now, there she is

Thank you.much appreciated.

blade1

45 years old.
2.5 litre car
Fully comp with stepback bonus protection.
A.I.G. €414

Sue Pa Key Pa

Wife's car

2007 Ford Focus, 1.4
50's, Full Licence
No accidents, claims or points
Comp, Full bonus protection
Last Year; Aviva €327
Renewal Quote; €377

Nothing beating it so far, worst quote AIG, €593

Edit; It's4women coming in at €353, not enough to leave Aviva

theteal

Sue Pa Key Pa wrote: »

Wife's car

2007 Ford Focus, 1.4
50's, Full Licence
No accidents, claims or points
Comp, Full bonus protection
Last Year; Aviva €327
Renewal Quote; €377

Nothing beating it so far, worst quote AIG, €593

Edit; It's4women coming in at €353, not enough to leave Aviva

Could you not sort her out?

Sue Pa Key Pa

theteal wrote: »

Could you not sort her out?

Nope, her insurance has to be at the market price. I get a good deal for mine, being in the business, but it is strictly staff only. There is no gravy train for insurance staff, contrary to popular opinion here.

Liam McPoyle

Sue Pa Key Pa wrote: »

Nope, her insurance has to be at the market price. I get a good deal for mine, being in the business, but it is strictly staff only. There is no gravy train for insurance staff, contrary to popular opinion here.

My wife gets 50% off even though staff spouse discount should only apply for people with 10 years service. She paid €320 this year for a 161 golf TSI with an open (non fault) claim

The joys of being a crooked underwriting fat cat.

:pac:

Sue Pa Key Pa

Seeing that I always achieve the targets the Cartel set me to fleece clients, I've never paid €300 for my own policy.

NIMAN

So time to renew coming up at end of month.

Currently sitting at €626, for 161 Golf 1.6 TDi. (previous year was €382, shocking!).

Did some searching tonight, all these prices are for me and OH, neither of us has any claims, accidents, driving 15 & 22 years, etc. Basically less risky customers, you'd think.

Quotes so far:

Existing broker €729 (think thats with RSA)
Chill €726
Bank of Ireland €848 or €932
123 €644
AXA €653
Allianz €468

Fair play Allianz, not taking the p1ss, think you'll be getting my business this year.

Tommyboy40

My partner is insured through Ulster Bank's U First scheme with Aviva. I decided to call them to see what they could do for me, also an UB customer

49
Full Licence
No points/Claims
2005 Mercedes CL 500
€1865

Are they all on drugs?

quadrifoglio verde

Age 25
Full licence 6 years
NCB 7 years
Car 2006 Alfa 159 1.9jtdm
Quote 618 for the year with chill. Tpft, windscreen and no claims bonus fully protected

Everyone else was four figures so I'm quite happy with that quote. Down 300 on last year two.

DermoMIO

Age: 31
Car: 2008 VW Golf GT Sport
Years driving: 12 - 10 Full license
Claims: named driver claim from 2014 €1k ish
Price & Provider: €646 Fully Comp with AA
Renewal quote was €736 with AA

Edit: last year was €863 negotiated from 1001

mr.kh

I'm on learner permit (currently shopping for a car) and was getting 3100 euro for a 2006/7 toyota yaris 1L a week ago :pac:

I heard few people saying insurance prices going down a bit, just checked with axa again and they are giving me 2500 euro for the same car model. Must be true that the prices going down, a bit. Anyone else noticed this?

2500e is still a lot though

kerten

mr.kh wrote: »

I'm on learner permit (currently shopping for a car) and was getting 3100 euro for a 2006/7 toyota yaris 1L a week ago :pac:

I heard few people saying insurance prices going down a bit, just checked with axa again and they are giving me 2500 euro for the same car model. Must be true that the prices going down, a bit. Anyone else noticed this?

2500e is still a lot though

Have you tried liberty ?