Car insurance - tell us your quotes/renewals

jon1981

AIG advertising insurance from 310 euro... about as real as a unicorn.

Liam McPoyle

cson wrote: »

Jesus those quotes are mental lads.

Was it just a record low for insurance the last few years and we're now seeing that correction or what's going on?

Motor insurance has been way under priced for the last 4 to 5 years.

Even today its still somewhere in the region of 20% cheaper than it was in the early noughties.

boombang

Gender: M

Age: 35

Car: 07 Fiat Panda 1.2 (60bhp)

NCD: None

Licence: Full 6 years, no points

Cover: 3rd Party

Best quote: €1,760 - Liberty

Have my licence years, but my only period of ownership was one year of classic car ownership in the Netherlands a few years ago. Previously insured on friend's policy, but that's also a long time ago. So no useful insurance history in Ireland. Guess this is why I'm being crucified. I don't own the Fiat yet, just thought it be a sensible place to start insurance-wise.

Any suggestions?

Berserker

I'm lucky by the looks of the quotes above. Zurich quoted me the same as last year, €550, fully comp. Five years ncb, 2013 reg and no penalty points. Had a quick look at 123, Chill, Liberty and they are all more expensive.

td2008

td2008 wrote: »

Looking at 1380 for renewal with axa, from 900 last year.


2003 e46 m3
31, 7 years NCB, 7 years full licence, no points etc


Most online won't quote the M.

Few more quotes:

Got axa down to €1200
Aviva - €1915.12
Arachas Insurance - 2.7k (axa)
AA - €1487
Aviva - €1915.12
First Ireland - €2100
Britton - €1785.73
Chill.ie - octane - zenith €1157.04
Kennco - €1125

Zurich Insurance - no quote
Liberty - No quote
FBD - No quote
Allianz - no quote
Nononsense.ie - no quote
123.ie - no quote

Campion (web) - €2k+
Campion (call back) - €706 :O - very good policy aswell and 200 cheaper than last year

smash

td2008 wrote: »

Few more quotes:

Got axa down to €1200
Aviva - €1915.12
Arachas Insurance - 2.7k (axa)
AA - €1487
Aviva - €1915.12
First Ireland - €2100
Britton - €1785.73
Chill.ie - octane - zenith €1157.04
Kennco - €1125

Zurich Insurance - no quote
Liberty - No quote
FBD - No quote
Allianz - no quote
Nononsense.ie - no quote
123.ie - no quote

Campion (web) - €2k+
Campion (call back) - €706 :O - very good policy aswell and 200 cheaper than last year

Try 25plus.ie

td2008

Went with campion there and then - can't imagine getting cheaper than 700 on an m3

Johnny_Fontane

Payed €292 last year, 38, 6 years no claims, 10 years full license, 2011 Passat Estate 2.0. With 123

This year? €494.53

Jaysus. Just a 69% increase. 69 focking percent!!!

update:
checked a few others - AIB €966, Zurich €834, AA, €831

What the hell is going on here?

To Elland Back

Johnny_Fontane wrote: »

Payed €292 last year, 38, 6 years no claims, 10 years full license, 2011 Passat Estate 2.0. With 123

This year? €494.53

In fairness, €292 was never a sustainable premium for any circumstances

boardsuser1

To Elland Back wrote: »

In fairness, €292 was never a sustainable premium for any circumstances

What would be though. things are getting so back i'm debating jacking in having my own car.:mad:

Liam McPoyle

If every average risk had been paying €500 a year for the last few years we wouldn't be in the mess we are in.

Your renewal premium is about right to be honest.

People have been paying way under the odds for a few years so the balance is being redressed.

To Elland Back

KC161 wrote: »

What would be though. things are getting so back i'm debating jacking in having my own car.:mad:

Well, 1 windscreen, lost key or breakdown call out would eat in to that, which doesn't leave much to chip in to the pot that needs to cover injury claims

boardsuser1

To Elland Back wrote: »

Well, 1 windscreen, lost key or breakdown call out would eat in to that, which doesn't leave much to chip in to the pot that needs to cover injury claims

I've had 4 breakdown call outs in the last 10 months,3 of those were for a Renault (say no more) the most recent one was recovery from another county and would have cost 200 were I to pay for it,so I see your point

barry181091

Gender: M

Age: 24

Car: 01 Fiat Punto 1.2 (70bhp....if even...)

NCD: 0

Licence: Provisional, 2 years.

Cover: Third Party.

Best quote: €3000 - Cover in a click.

Best quote if I had full: 2500.

How can anyone afford this!? If you add on 300 tax + 3000 fuel and bits its at 6500, which is a massive chunk of salary.

Guess I won't ever drive so!

Daniel S

barry181091 wrote: »

Gender: M

Age: 24

Car: 01 Fiat Punto 1.2 (70bhp....if even...)

NCD: 0

Licence: Provisional, 2 years.

Cover: Third Party.

Best quote: €3000 - Cover in a click.

Best quote if I had full: 2500.

How can anyone afford this!? If you add on 300 tax + 3000 fuel and bits its at 6500, which is a massive chunk of salary.

Guess I won't ever drive so!

You won't get insured on a car that old I'd say. Might have to sell it and move up a few years. You may even save money doing this.

Get your full license on your driving instructors insurance, don't get your own on a provisional.

You should then be able to get quotes under €1500. I know insurance was cheaper last year, but I got insured on a 2006 1.6 Focus, no NCD and just passed the test for €1200 and could have got it for €900 TPFT. This year TPFT was under €1000.

sporina

question - looking for new car insurer - is it better to use a broker or contact the companies directly?

Daniel S

sporina wrote: »

question - looking for new car insurer - is it better to use a broker or contact the companies directly?

Both. You need to ring everyone, really.

thecamcam

570 last year allianz

they wanted 620 this year

got it for 468 with AA but no breakdown assist ( new car is covered by maker )

age 50 , license 3 years ( late starter no points

5 years NCB with wife as named driver on my car

( 1.2 petrol 152 skoda )

i was qouted 625 to 1100 from the rest , fbd didnt want to know - ( f*ck them ) nor did axa or an post .

JohnR1968

€249 last year with 123.ie

This year quoted €397.50 - 60% increase

Have filled in umpteen on-line forms and have quote down to €314 with AA.

Details: F 46 yrs old, 2013 VW Up, Full NCB and Fully comp.

sporina

Ok here is what I have so far... gosh tiring work this.. grr..

Anyway:

Female (30's): Toyota Yaris 01 1.0 Ltr, NCD 10 yrs, etc..

No Nonsense - 3rd party with breakdown assist - lat yr - €216 - this year €471

AA - 3rd party - €447

AXA - 3rd party - €655

Chill - 3rd party - €514

KennCo - 3rd party - €440

25plus - compre - €351; comp xtra - €381...


No quote online = Aviva, AIG,


So I am thinking of going with 25plus comp xtra - any thoughts..

I know I could contact more... any thoughts? Anyone else I should look to for a quote?

Cortina_MK_IV

@sporina: I went with FBD last year but 25plus (xtra) ran them close. I think I've said before I'm looking for a deal this year on house and car and if FBD don't play ball I'll be off to 25plus.

Edit: Just checked back and 123.ie wanted €968.20 for comp. €546 with FBD.

evo2000

Gender: M

Age: 26

Car: 01 Ford focus Ghia 1.6

NCD: Full

Licence: Full 5 years, no points

Cover: Fully comp

Best quote: 1250 up from 700

Am i doing the whole no claims bonus thing wrong or something? every year i get another year no claims.. the price goes up am i having crashes i dont know about or something lol

rocky

2005 530i, 6 NCB, '96 EU licence exchanged for Irish in 2011 (although NDLS fcked up and put down 2006 instead of 1996) , 2 points, male 38 years old.


520 last year TPFT with AIG through quoteline/quoteme.
Renewal quoteline with Chartis (?) 1200

got it for 460 through One direct / post insurance with AIG again with all extras, wife added too.

AIG direct was 516; AIG in general seems to be the lowest for me.

sporina

Cortina_MK_IV wrote: »

@sporina: I went with FBD last year but 25plus (xtra) ran them close. I think I've said before I'm looking for a deal this year on house and car and if FBD don't play ball I'll be off to 25plus.

Edit: Just checked back and 123.ie wanted €968.20 for comp. €546 with FBD.

i have not tried FBD or 123.. i guess FBD could be a worth a go but i think i got a quote from them last yr and they were more €€ than others

zurbfoundation

This new thing of some companies not insuring cars over 15 years old, is this a policy in other countries do we know?

q85dw7osi4lebg

Gender: M

Age: 26

Car: 2004 Honda S2000

NCD: 4 years

Licence: 5 years, 1 point

Cover: Fully comp, protected

Best quote: €1357 with Aviva through a broker.

Due for renewal in April, not excited.

evo2000

sporina wrote: »

i have not tried FBD or 123.. i guess FBD could be a worth a go but i think i got a quote from them last yr and they were more €€ than others

FBD gave me a qoute of 610 was delighted went to get it then on the website and bam " we cant offer you a qoute at this time" gas altogether!

zl1whqvjs75cdy

Heard on the news today we can expect 25 % increases again this year. Its getting ridiculous.

dr.fuzzenstein

donkeyoaty0099 wrote: »

Heard on the news today we can expect 25 % increases again this year. Its getting ridiculous.

Kinda gels with my theory that the insurance companies can't get any traction with the government re the compo culture and have basically said "right, we're sticking it to you till you blink".
The last time they did that we got the compo board and ads about Joe's brass neck. Let's see what will happen now, considering the legal profession will never in a million years concede an inch, because they got a great racket going. It's at the expense of the entire country, but who cares when you're raking it in.

dobbs2210

Driving since I was 17 as a fully comp. On a full Irish licence. Never had an accident or claim until April 2015 where I crashed my car in a single car accident, moumted a bend and upturned.

Basically my premium went from just under €600 per year to just shy of €2000 with Alliance.

Is this normal that I get absolutely screwed to the hilt. I'm now 29 years of age.