Car insurance - tell us your quotes/renewals

rosie16

Gender: F
Age: 22
Car: Ford Fiesta (1.25)
NCD: 3 Years
License: Full (3 years)
Cover: TPFT
Renewal Quote from AXA: 1026.29
Last Years Price: 748

The car is 16 years old so that's why the price jumped up. The renewal quote is the same price as when I took out my first policy with a provisional license and no ncb.

I've just bought insurance with AXA through AA. The quote started out at just above my renewal quote. I got it down to 849 yesterday by adding a named driver. Today I got it down to 625 (I'm level 5 on the NCD scale they thought I was three). Final Price: 595.11 (Discount if I bought it over the phone right then.)

The only thing with the above quote is I had to buy aa membership to get a discount. So I've paid for the first month (7e) and there's a cancellation fee of 20 quid. Almost half price so I'm happy. I think the cover is much better too. I removed almost everything from my AXA policy to make it cheaper apart from glass breakage.

I didn't even bother ringing AXA to see if they'd match it. I know I had a hard enough time last year matching it and the difference was much less than this years quote.

AA was the only company with a quote nearest to my renewal. A few were 1,300. Most quotes were 1,700 and 2,500 (liberty). :eek:

TheAdammaka

Hi, I'm 21 and I recently passed my test and am looking to get a new insurance policy in a swb van something around a 2.0l(Transit, Trafic something similar). I'm working in a small family business so my dad will be driving the van as well. The quotes I have been getting have been ridiculous 3k and upwards. Is it even possible to get insurance cheaper than this? Thanks.

Henry Ford III

Ring around an/or consult a good broker.

It's the only way to find out for sure.

Henry Ford III

Ring around an/or consult a good broker.

It's the only way to find out for sure.

allibastor

Gender: M

Age: 31

Car: 07 Vectra 1.9DTTI

NCD: 9

Licence, full 10 years, 2 points

Cover: TPFT

Renewal: 571.21 - 123.ie

Last year: different car, 1.8 petrol, but 304.11 - AXA Broker.

dogmatix

Gender: M

Age: 48

Car: 161 Micra 1.2 litre

NCD: Full

Licence: Full 10+ years, no points

Cover: Fully comp

Best quote: Currently with Allianz - €400 p/a

Last year: €350 with Allianz on an 03 Micra 1.0

Ginger83

Truckermal wrote: »

I reckon he misspelt Peugeot 307 with Bugatti Veyron. .:D

Haha

Ginger83

Gender M

Age 32

Car 02 Corolla T2 2.0D4D

NCD Full 9yrs

Licence Full Irish 10yrs No Points

Cover Fully Comp/ Full NCB Protected

Best Quote €504 with Glennon
With wife named. 32,full licence 7yrs,ncb 8yrs, no points.

icom

Gender: Male

Age: 51

Car: 161 Kia Sportage EX 1.7 diesel

NCD: 9 Years + (30)

Licence: 32 years

Cover: Comprehensive, Glass, NCB protection

Renewal: Liberty €479 (Last year was €299 for an 11 Sportage) 60% increase

Best Quote: € 759.29 with bonus protection, 2 years with Blue Insurance

€379.64 for each year. Tempted to move.

Not familiar with Blue Insurance, how would you rate them ?

Thanks

MortGoldman

This is slightly off topic, but still slightly relevant...

Have been driving an 02 BMW 530d M-Sport for last 6 months. Paid 750 euro fully comp with stepback protection and all the boxes ticked..all in one go.

Bought an 01 Opel Speedster two weeks ago. 2.2 petrol RWD convertible sportscar with virtually no driving aids. Swapped my insurance over...I got 150 euro refund! So can presume the full year quote would have been around the 500 euro mark, due to six months left on the policy.

So I'm 27, male, full clean licence with no claims bonus of 9 years. That car, for that money, fully comp. I'm not complaining, but insurance is fecking weird.

Liam McPoyle

MortGoldman wrote: »

This is slightly off topic, but still slightly relevant...

Have been driving an 02 BMW 530d M-Sport for last 6 months. Paid 750 euro fully comp with stepback protection and all the boxes ticked..all in one go.

Bought an 01 Opel Speedster two weeks ago. 2.2 petrol RWD convertible sportscar with virtually no driving aids. Swapped my insurance over...I got 150 euro refund! So can presume the full year quote would have been around the 500 euro mark, due to six months left on the policy.

So I'm 27, male, full clean licence with no claims bonus of 9 years. That car, for that money, fully comp. I'm not complaining, but insurance is fecking weird.

Based on last years rates then yes, however the new car is now 15 years old and over 2l so I'd prepare for a hefty increase at next renewal.

icom

icom wrote: »

Gender: Male

Age: 51

Car: 161 Kia Sportage EX 1.7 diesel

NCD: 9 Years +

Licence: 32 years

Cover: Comprehensive, Glass, NCB protection

Renewal: Liberty €479 (Last year was €299 for an 11 Sportage) 60% increase

Best Quote: € 759.29 with bonus protection, 2 years with Blue Insurance

€379.64 for each year. Tempted to move.

Not familiar with Blue Insurance, how would you rate them ?

Thanks

Got a callback from Blue, went through details again, ended up at 667 for 2 years (333 per year). Went with that. Happy now

ShadowHearth

MortGoldman wrote: »

This is slightly off topic, but still slightly relevant...

Have been driving an 02 BMW 530d M-Sport for last 6 months. Paid 750 euro fully comp with stepback protection and all the boxes ticked..all in one go.

Bought an 01 Opel Speedster two weeks ago. 2.2 petrol RWD convertible sportscar with virtually no driving aids. Swapped my insurance over...I got 150 euro refund! So can presume the full year quote would have been around the 500 euro mark, due to six months left on the policy.

So I'm 27, male, full clean licence with no claims bonus of 9 years. That car, for that money, fully comp. I'm not complaining, but insurance is fecking weird.

I did some messing around on 25plus. Posted that in other thread. All same cars but diesel or petrol versions. All diesel versions for some reason were more expensive to insure. That's always the case where petrol were more powerful too. So I don't even know how the count premiums anymore.

murfilein

got quoted 1035 from axa this year. was 870 last year.

the lowest quote i could get this time was 950.

with 1 day left for the renewal, i called axa today. told them "nearly 20% raise, thats a bit much isnt it. got a quoted 950 elsewhere." he said "let me see what i can do". 960. i guess thats ok.

murfilein

got quoted 1035 from axa this year. was 870 last year.

the lowest quote i could get this time was 950.

with 1 day left for the renewal, i called axa today. told them "nearly 20% raise, thats a bit much isnt it. got a quoted 950 elsewhere." he said "let me see what i can do". 960. i guess thats ok.

inforfun

ShadowHearth wrote: »

I did some messing around on 25plus. Posted that in other thread. All same cars but diesel or petrol versions. All diesel versions for some reason were more expensive to insure. That's always the case where petrol were more powerful too. So I don't even know how they count premiums anymore.

Bit like Dr. Cox determines the right dose of tylonol.

https://www.youtube.com/watch?v=gD6olRJ8S3I

griffin100

Currently insured via An Post. Got quoted a total of €910 for 2007 Corolla 1.6 petrol and 2006 S60 D5, fully comp, for Mrs and me. Both early 40's, no points, 5 years nct each. Much the same as last year.

Went online and was getting silly quotes from new insurers, especially for the Volvo, over €1k from most for Volvo alone. Rang current insurer to renew today and told them I wanted their best price before I'd consider renewing, they knocked €50 of each policy so all in cost €810 so happy with that.

9935452

griffin100 wrote: »

Currently insured via An Post. Got quoted a total of €910 for 2007 Corolla 1.6 petrol and 2006 S60 D5, fully comp, for Mrs and me. Both early 40's, no points, 5 years nct each. Much the same as last year.

Went online and was getting silly quotes from new insurers, especially for the Volvo, over €1k from most for Volvo alone. Rang current insurer to renew today and told them I wanted their best price before I'd consider renewing, they knocked €50 of each policy so all in cost €810 so happy with that.

I assume 5 years NCB

griffin100

9935452 wrote: »

I assume 5 years NCB

Oops yes, ncb.

DvB

Just got my quote from the AA, €775, last year €360... to say I'm shocked is an understatement..

Rang them for an explanation, got the usual 'cost of insurance is going up blah blah blah... When I pushed them on the 100%+ increase they had no explanation at all.. Said I could change cover to third party to get it down & drop the NCB protection!! Yeah right.

Some quotes from others are crazy
€1424 from 123.ie (when I started driving over 20 yrs ago on a provisional licence my quite was lower than this)
€1051 from Liberty
€993 from allianz
€792 From FBD

Anyway, 141D skoda octavia 1.6tdi doing 8-10k km PA
NCB protection

I'm 44 at the time of renewal, have 9+ years NCB (actually its 20+ but only accept 9+ as the max), full licence 20+ years, no penalty points, based in Dublin...

No idea whats driving this up so high... even when I had a 1.8vtec Honda civic (boy racer car they told me at the time) it was only €390 or so.

am disgusted.

Liam McPoyle

DvB wrote: »

Just got my quote from the AA, €775, last year €360... to say I'm shocked is an understatement..

Rang them for an explanation, got the usual 'cost of insurance is going up blah blah blah... When I pushed them on the 100%+ increase they had no explanation at all.. Said I could change cover to third party to get it down & drop the NCB protection!! Yeah right.

Some quotes from others are crazy
€1424 from 123.ie (when I started driving over 20 yrs ago on a provisional licence my quite was lower than this)
€1051 from Liberty
€993 from allianz
€792 From FBD

Anyway, 141D skoda octavia 1.6tdi doing 8-10k km PA
NCB protection

I'm 44 at the time of renewal, have 9+ years NCB (actually its 20+ but only accept 9+ as the max), full licence 20+ years, no penalty points, based in Dublin...

No idea whats driving this up so high... even when I had a 1.8vtec Honda civic (boy racer car they told me at the time) it was only €390 or so.

am disgusted.

Try Bank of Ireland, my brother in law got s big bump in his renewal - similar profile to yourself - and got a good price, think he got an additional 25% off as he is a customer of theirs.

inforfun

Same here. Paid 380 last year and now closest quote of the usual suspects was 450. Most were 7/800

Boi> 344 and 369 ( with ncb protection)but indeed, i am also banking with them.

BohsCeltic

2014 €460 Allianz
2015 €560 Allianz
2016 €865 Allianz

A €300 rise is just is madness

I have a month now to try and source a cheaper quote which might be difficult due to the age of the car.

NickDunne

Are there any Ins. companies that will mirror NCB from a private vehicle over to a commercial one? And vice versa, just out of curiosity.

Liam McPoyle

NickDunne wrote: »

Are there any Ins. companies that will mirror NCB from a private vehicle over to a commercial one? And vice versa, just out of curiosity.

Do you mean that if you have a bonus earned on a private car can you transfer it onto commercial motor or do you mean you want to keep your car and take out a second policy on a commercial or vice versa?

Most insurers will accept a private bonus for a commercial quote and vice versa.

The exception would be a HGV or artic bonus, that's unlikely to be transferable.

For a standard commercial it shouldn't be an issue.

2forjoy

mine was 350 now 680

NickDunne

Business Cat wrote: »

Do you mean that if you have a bonus earned on a private car can you transfer it onto commercial motor or do you mean you want to keep your car and take out a second policy on a commercial or vice versa?

Most insurers will accept a private bonus for a commercial quote and vice versa.

The exception would be a HGV or artic bonus, that's unlikely to be transferable.

For a standard commercial it shouldn't be an issue.

Just the man I hoped would answer (the bit bolded was the answer I was after)

Hadn't even looked into it as I thought it was a no-go. Cheers

Top Dog

NickDunne wrote: »

Just the man I hoped would answer (the bit bolded was the answer I was after)

Hadn't even looked into it as I thought it was a no-go. Cheers

Aviva did it for me a number of years ago. And AXA did it for me last December. So thats 2 companies that I know have done it.

Cantona's Collars

€200 increase for me from AIG,€600 this time round.They can go sh1te.

waxon-waxoff

€915 comprehensive for a 05 Golf Gti DSG.

I got three points last year for talking on the phone when driving, but thats still over €300 increase.
People are asking politicians about water charges and usc but is this not as big an issue? Legal fees are the reason for these increases and the government watered down legal reforms last year that could have helped reduced costs.

Special Circumstances

waxon-waxoff wrote: »

€915 comprehensive for a 05 Golf Gti DSG.

I got three points last year for talking on the phone when driving, but thats still over €300 increase.
People are asking politicians about water charges and usc but is this not as big an issue? Legal fees are the reason for these increases and the government watered down legal reforms last year that could have helped reduced costs.

Gravy train for the legal club is bleeding this country dry. I'd love to see the average total legal expenses cost to the taxpayer for Johny 50 Convictions.
"Oh you've learned your lesson this time, fantastic wink wink... we would hate to see you back here next week lining all our pockets again!"

CorkColin

Gender: M

Age: 22

Car: 02 Audi A3 SE 1.9tdi (100bhp)

NCD: 2 years

Licence: Full 3 years, no points

Cover: Third party fire theft

Best quote: €1414 - AA , renewal from Quote Devil was €2100, last year paid €1500, and the year before €1500...

DvB

Business Cat wrote: »

Try Bank of Ireland, my brother in law got s big bump in his renewal - similar profile to yourself - and got a good price, think he got an additional 25% off as he is a customer of theirs.

Thanks,will give them a go so. Not a BOI customer though so wouldnt get that 25% discount.

Have it down to €495 atm through Chill, thats still €135 up on last year which is a 37.5% increase...

andersat2

Peugeot 407 2.0HDI 2005,
Male 38 years old
Driving full EU licence since 1999, co conviction or penalty points or claims.
Dublin 13 keep / Dublin 04 using
NCD 7 years

2015: 450 Euro from AIG
2016: 1268 Euro renewal from AIG (WHAAAT???)
Best quote so far from Bank Of Ireland : 698 Euro.

Send an email to Irish Independent, Irish Time and Irish Insurance regulator - describing that current situation with 300% price increase is not normal on the insurance market.

Autosport

Got my current insurance company (Axa) to match a renewal I got from Blue insurance which is still €150 more than what I paid last year.

Fine Gael were at the door yesterday and I asked them what were they doing about the hike on insurance especially car insurance and they couldn't give me an answer.

McCrack

I'm very surprised with my renewal but in a good way

Last year paid just over 500 Third Party only with 123.ie on a Lexus is200 worth probably 500 quid.

I bought an E92 M3 two weeks ago - switched over and paid 100 for the month to mid March when the policy is up.

My renewal comes in the other day - €468 - TP F&T on the M3!

It makes no sense whatsoever but needless to say I'm delighted.

wotzgoingon

McCrack wrote: »

I'm very surprised with my renewal but in a good way

Last year paid just over 500 Third Party only with 123.ie on a Lexus is200 worth probably 500 quid.

I bought an E92 M3 two weeks ago - switched over and paid 100 for the month to mid March when the policy is up.

My renewal comes in the other day - €468 - TP F&T on the M3!

It makes no sense whatsoever but needless to say I'm delighted.

More details would be nice age, NCB etc...

Still a great price for any car never mind a M3.

heroics

35 male Wicklow. 2013 520D msport. Got renewal letter fully comp with wife as named driver. 590€ up about 50€ on last year.

Last years quote was on a 2005 a6. Happy enough was expecting much worse

dancecatz2000

39 Male, over 10 years NCB, 0 points, 0 convictions, 0 Claims, 03 skoda Vrs 1.8T insurance last year 123.ie €420 3rd PartyFireTheft, got renewal for €810, nearly fell off my seat, Boi quote €630.66 fireTheft, with Ncb protection, still to expensive for my liking, car will be taken off the road early march if i don`t get a better quote,

Cantona's Collars

After my €600 quote,I rang Aviva- €440 Fully Comp.Still €90 more than I paid last year but better than the €600 I was quoted from my current insurer.

1.5l Petrol 08 with full NCB since '99.

I've a pain in my face with insurance.

FBD continuously feckin' me over. Last year I cancelled a policy 11 months in (wasn't told I'd lose the years NCB). But rang them when I realised and they said they'd honour it for me if i took out a policy with them again.

The difference in quotes with and without that year (2 vs 3 years ncb) is €1,114 vs €954 (using their online system).

So I rang them and asked them to honour the extra year and they said no. That was considered a 'discretionary discount' at the time and they'd only give it to me if i renewed with them last year (i didn't, as they gave me a €3.5k price) and so they're not going to acknowledge the 11 months as a year this time around, as i didnt renew back then.

Annoying!! :mad:

rocky

11 months < 1 year

you're welcome

rocky

rocky wrote: »

11 months < 1 year

you're welcome

"Yes we'll honour the 11 months as a year" > "No, we won't honour that".


But sure we could just all be pricks instead.

inforfun

rocky wrote: »

11 months < 1 year

you're welcome

I remember taking my first insurance out in The Netherlands. Was in the month March.
In those days, and probably still, the insurance year ran from june 1st till may 31st.
Guess what i got that june 1st? Indeed 1 year ncb.
So that means 3 months = 1 year in your view?


@KKV

Since they do record all calls, request a copy of that call. Probably have to do that in writing.

To Elland Back

I've said it a thousand times, a no claims bonus is only a marketing tool insurers use there is no legal basis for its usage. You are entitled to your driving record, which will show 11 months for that year

To Elland Back

To Elland Back wrote: »

I've said it a thousand times, a no claims bonus is only a marketing tool insurers use there is no legal basis for its usage. You are entitled to your driving record, which will show 11 months for that year

And true as that may be, FBD said they'd honor 11 months as a year on a policy with them (as it was them I was with), but now that I actually want to, they said no, they won't. Doesn't really change regardless of what way you look at it (NCB VS Driving history, etc.).

They can manipulate it to suit themselves (as you say, it's unregulated) but I just think their attitude about it is fairly shoddy.

inforfun wrote: »

@KKV

Since they do record all calls, request a copy of that call. Probably have to do that in writing.

Would they hold onto things for such a long period of time, though? I was onto them again yesterday and yer man said he would get back to me today at some point. Hoping they'll be decent and honour it (you'd think they'd at least offer a 13 month policy without honouring the previous NCB year, so that I can claw my extra years NCB back for future use, even if i cant use it now).

inforfun

Deleted User wrote: »

And true as that may be, FBD said they'd honor 11 months as a year on a policy with them (as it was them I was with), but now that I actually want to, they said no, they won't. Doesn't really change regardless of what way you look at it (NCB VS Driving history, etc.).

They can manipulate it to suit themselves (as you say, it's unregulated) but I just think their attitude about it is fairly shoddy.




Would they hold onto things for such a long period of time, though? I was onto them again yesterday and yer man said he would get back to me today at some point. Hoping they'll be decent and honour it (you'd think they'd at least offer a 13 month policy without honouring the previous NCB year, so that I can claw my extra years NCB back for future use, even if i cant use it now).

Honestly dont know how long they keep calls.
Completely different industry but upc/vm still does have calls i had with them over 1 year ago. Cant see an insurance company getting rid of them sooner

inforfun

inforfun wrote: »

Honestly dont know how long they keep calls.
Completely different industry but upc/vm still does have calls i had with them over 1 year ago. Cant see an insurance company getting rid of them sooner

Well it would appear they do indeed hold onto them. Must be lots of storage space for their data if they hold onto so much stuff. :eek:


They rang me back and they said that they looked into it, and ran it by their underwriting team. They changed their mind and would indeed honour the 11 months. So I got my NCB honoured with the extra year (and I'm kinda hoping they'll make a mistake at the end of the year and send me out an NCB for 4 years instead of 3!).

Chill looked into honouring it for me, too, but they said they couldn't (but that they would have been able to if the policy was with them and it was cancelled so close to completion).


So FBD did a good thing. I'm kinda surprised to be honest. Hat is off to them. I wasn't at all impressed with how i parted ways with them (and i stand by that) but they were genuine enough to honour the 11 months like they said they would. Thank god i rang them back to annoy them about it (pleasant and polite is always the way forward, though).

Keeping with the thread title:


I'm a 27 year old male, have 3 years driving experience and 2 years NCB (due to the above). I live in Co. Louth and have a 1.6 diesel (110bhp).


From lowest to highest (all TPFT):

FBD - €1,114
QuoteMe - €1,121 (This assumes I own car 3 years.. no idea what relevance that has, but the quote may have increased when i told them I have it less than 1 year).
Campion - €1,199
Chill.ie - €1,279
QuoteDevil - €1,300
No-Nonsense - €1,320
Liberty - €1,389
AA - €1,589
Axa - €1,626
EasyInsure - €1,688
First Ireland - €1,718
Sheridan - €1,776 (w/ Liberty)
TopQuote - €1,831
25Plus.ie - €1,862
Zurich - €1,872
Aviva - €2,068
Blue - 2,200
123.ie - €2,251
Allianz - €2,290
AIG - €2,615
Supervalu - €2,915


(So from €1,114 - €2,915 - A difference of €1,801 for the same person, same details etc. between 2 different companies. Madness!)


Non-quoters:
- Britton - Wont insure anything prior to 2010.
- Kelleher - Quote not given, said they'll contact me, I rang them also and didnt get through, they never got back to me.
- An Post - If you have a full license less than 3 years you've to do an 'ignition' driver course. That didn't really apply to me, but regardless, as I've less than 5 years NCB they won't insure me on anything over 1.4 (talk about playing it safe!).
- XS Direct - Won't quote - referred to QuoteMe.ie



Eventually got FBD to honour the extra year's NCB (detailed in previous posts) for a premium of €954.

Graces7

Just paid Bank of Ireland..Holding my breath as I had spent an hour getting refusals, and quotes that nearly gave me a heart attack.,.. E483,, 16 year old car and driver over 70.. Prestige ie fully comprehensive with all the frills; stpe back NCB.. Al I have to do now is sort my driving licence; I have a full UK life but a folder of papers went astray when I moved house. DVLA had no problem on the phone finding my records and are supplying the necessary paperwork. What a relief... The next quote up was Liberty at nearly E800 and the AA ditto. Last year with Aviva I paid well over E500