Car insurance - tell us your quotes/renewals

lawred2

inforfun wrote: »

My car is only driven by myself.
In the next couple of week i expect my new quote and the only difference there will be with last year is that my car got 1 year older, and so did I.

No claims\accidents\penalty points in 2017.

I was quoted and paid €412 for a 03 Laguna in DEC2016.

Watch this space.....

I'll be very interested to hear this

Kintarō Hattori

Kintarō Hattori wrote: »

Yes it does actually. If you have a perfectly fine older car but it's costing you €1500 for the privilege to drive it, then that's the cost of insurance. Driving a newer car usually brings down the cost of insurance but you shouldn't be forced to upgrade if the car passes it's NCT, has no history of claims, if the driver has no history of claims etc.

Having a newer car doesn't always reduce the premium. My son is changing from a 1.6 2005 Corolla to a 1.2 2011 Clio and it is increasing his premium by €288 with 5 months left on the policy. Doesn't make sense.

duffman3833

Your Age: 27
Car type and engine: SAAB 9-3 LINEAR SPORT TID 150
years driving: 9
any claims: nope (full NCB)
penalty points: nope
renewal: 850 with Axa
got quotes with 15 different companies. Ranges from €705 - €1828
some saying its down to the car (Its got 'sport' in name). Its a diesel saloon, not a sports car. the only thing sporty on the car is the name in the title.
Drives me nuts renewing car insurance

commited

Faith+1 wrote: »

It's a joke alright. Some of the quotes are actually higher than what the car is worth

Had to bite the bullet this year and buy a newer car (152) as I was getting quotes for nearly €1000 for an '03 Fiesta!:mad:

It was a grand wee motor that never gave me a day of trouble and now it's scrapped because MSL don't sell old motors.

I absolutely agree that the insurance situation in Ireland is a joke but shelling out a lot of money to save a little is surely a false economy also?

Casati

151 Superb 170bhp
Value 29,999 ( I know it’s not worth a that but have a new one ordered)
Male 40 and named Female 40 with car
1 Point
6 years NCB
Kerry
Fully protected bonus

Quote ranged from 1100 down to 575 with An Post / AIG - went with the cheapest

I recon it’s 100 quid cheaper here versus Dublin

The Nal

Who will insure a car with no tax?

grogi

The Nal wrote: »

Who will insure a car with no tax?

Makes no difference.

The Nal

grogi wrote: »

Makes no difference.

123.ie just told me to fúck off because its not taxed.

lawred2

The Nal wrote: »

Who will insure a car with no tax?

and why would you want to do that?

The Nal

lawred2 wrote: »

and why would you want to do that?

I want to insure my car but its not taxed.

blade1

You're supposed to have insurance to get tax,not the other way round.

lawred2

The Nal wrote: »

I want to insure my car but its not taxed.

I get what you want to do.

I don't understand why though. An untaxed car is unusable.

The Nal

blade1 wrote: »

You're supposed to have insurance to get tax,not the other way round.

So I believed but my insurance us up for renewal and 123.ie don't insure untaxed cares anymore Im told.

lawred2 wrote: »

I get what you want to do.

I don't understand why though. An untaxed car is unusable.

Why? It hasn't been taxed in ages and still drives fine! NCT'd now too.

Liam McPoyle

The implication of having a car untaxed for a prolonged period could be that the person isn't too bothered with the legalities of road use and is therefore more likely to be a reckless driver?

Faith+1

commited wrote: »

I absolutely agree that the insurance situation in Ireland is a joke but shelling out a lot of money to save a little is surely a false economy also?

True but I'd no other choice. I need my car for work and If I can't get insurance on an '03 then it pretty much a useless piece of metal. The reason i opted for a 152 is at least I won't have to worry about insurance for a good few years. If insurance wasn't an issue and I wanted to upgrade I would of bought a 2011/12 to save a few quid but I'd of faced the insurance problems sooner.

Autochange

Age 33
No car as getting quoted over 2.5k
Been out of the country 7 years so starting again
Full license sine 18
No points ever

Joke of a country

The Nal

Business Cat wrote: »

The implication of having a car untaxed for a prolonged period could be that the person isn't too bothered with the legalities of road use and is therefore more likely to be a reckless driver?

No. I'm just not paying twice the rate because my car is pre 08. Car is in great nick and just sailed through the NCT.

duffman3833

duffman3833 wrote: »

Your Age: 27
Car type and engine: SAAB 9-3 LINEAR SPORT TID 150
years driving: 9
any claims: nope (full NCB)
penalty points: nope
renewal: 850 with Axa
got quotes with 15 different companies. Ranges from €705 - €1828
some saying its down to the car (Its got 'sport' in name). Its a diesel saloon, not a sports car. the only thing sporty on the car is the name in the title.
Drives me nuts renewing car insurance

got call from AXA who im currently with, €625
ill take that

The Nal

Autochange wrote: »

Age 33
No car as getting quoted over 2.5k
Been out of the country 7 years so starting again
Full license sine 18
No points ever

Joke of a country

Something not right there. Out of the country or not that sounds wrong.

cplwhisper

The Nal wrote: »

Something not right there. Out of the country or not that sounds wrong.[/quote

If you had a NCB that expires as abroad over 2yrs - you can get a quote but not be loaded as 1st time ever driver

Won’t be cheap but it prevents you ending up as “declined cases agreement “case

Pm if totally stuck

beer enigma

beer enigma wrote: »

age 52
35 years full licence
No claims or points ever
BMW 318i - 2001 with only 67k miles
TPFT with AIG jumped from €650 to €1087 !!
Liberty quoting €670

Presume getting screwed because of car age

UPDATE: Got a quote from AXA for €635, same terms as the €1087 from AIG (who I've been with for 5 years)

cplwhisper

beer enigma wrote: »

UPDATE: Got a quote from AXA for €635, same terms as the €1087 from AIG (who I've been with for 5 years)

Glad we got u sorted

job seeker

Business Cat wrote: »

The implication of having a car untaxed for a prolonged period could be that the person isn't too bothered with the legalities of road use and is therefore more likely to be a reckless driver?

The Nal wrote: »

No. I'm just not paying twice the rate because my car is pre 08. Car is in great nick and just sailed through the NCT.

Well regardless, that what it look's like form the insurance company's point of view.

With all due respect if you're "just not paying twice the rate because my car is pre 08." may I suggest that you pay your tax every 3 or 6 months? Or else purchase a car with a smaller engine?

If however, you can not afford to pay motor tax, you can not afford a car. Simple as..

phester28

Business Cat wrote: »

Personally I only buy the full protection.

If you have step back you are guaranteed that your premium will increase by 10% to 20% (depending on the company and their scale) in the event of a claim, as well as the standard rate increases. With full protection, in the event of a claim, you are not going to have an increase (apart from the standard rate increases)

If you can afford the €60 Id recommend it tbh.

IN reality NCB is a smokescreen. If you make a claim even with full NCB your policy will still be loaded the next year. as in the pre ncb amount will rocket up.

Until you fully settle the claim which can take along time in some cases 1-2 years. you are tied to your insurance company as no body else will touch you.

When you are fully settled insurance companies will still load you as they ask you have you had any claims in the last 5 years

BohsCeltic

Just got quoted €1800 from AIG.
2006 1.6l Volkswagen Passat.
Age 37
Full licence 11 years, no points and full NCD.
A complete joke and some places won't even quote.

lawred2

BohsCeltic wrote: »

Just got quoted €1800 from AIG.
2006 1.6l Volkswagen Passat.
Age 37
Full licence 11 years, no points and full NCD.
A complete joke and some places won't even quote.

won't quote based on that information - that can't be right...

have you tried a broker?

Skatedude

lawred2 wrote: »

won't quote based on that information - that can't be right...

have you tried a broker?

Sounds about right once the car hits 10 years old. my mother was paying 650 or so for years, went to 1800 after 10 years, then 2350 after 11 years. no change in details other than age of the car.

BohsCeltic

lawred2 wrote: »

won't quote based on that information - that can't be right...

have you tried a broker?

I've tried everywhere. Its the age of the car despite it sailing through the NCT.
I paid 400 on a 2.0l Ford before then changed to a Honda 1.6 and it jumped to 1200.
Cannot win with these insurance companies

wotzgoingon

Age: 17

NCB: 0

Points: 0

Car: 2008 Mitsubishi Lancer Evo X, RS

Fully Comp, €450

lawred2

Skatedude wrote: »

Sounds about right once the car hits 10 years old. my mother was paying 650 or so for years, went to 1800 after 10 years, then 2350 after 11 years. no change in details other than age of the car.

10 year old golf.... 485

It's not universal