Car insurance - tell us your quotes/renewals

Berserker

dobbs2210 wrote: »

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

Yes, it is normal and you are going to face hefty premiums until your build up your NCD again.

Liam McPoyle

dobbs2210 wrote: »

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.

You made a claim so is it not reasonable to think that the company will increase your premium?

Did you lose your full bonus?

dobbs2210

I knew the premium would increase I've got no problem with that whatsoever. But from €600 to €2000 for one year....? lost my ncb.

evo2000

dobbs2210 wrote: »

I knew the premium would increase I've got no problem with that whatsoever. But from €600 to €2000 for one year....? lost my ncb.

ur def gonna get shafted for a quote when people with NCB are.. insurance is just mental these days.

Liam McPoyle

dobbs2210 wrote: »

I knew the premium would increase I've got no problem with that whatsoever. But from €600 to €2000 for one year....? lost my ncb.

Had you a full bonus?

If so that's a minimum 50% increase garaunteed, coupled with general increases and the fact there is potentially a claims load applied aswell.

There are folk on here getting 100%+ premium increases with a full bonus and that have no claims, at least your increase is justifiable.

Toyotafanboi

Business Cat wrote: »

Had you a full bonus?

If so that's a minimum 50% increase garaunteed, coupled with general increases and the fact there is potentially a claims load applied aswell.

There are folk on here getting 100%+ premium increases with a full bonus and that have no claims, at least your increase is justifiable.

can i ask is bonus protection not a scam anyway, genuinely? i never opt for it because i assumed it was.

like i have 8 years NCB this year, say i had stepback bonus protection and i write off my car this year and claim for it, claim settled before next renewal. if i go to a different insurer next year and tell them i have 7 years NCB but i had an accident last year, my premium will go through the roof anyway, so what's the point?

kerten

Toyotafanboi wrote: »

can i ask is bonus protection not a scam anyway, genuinely? i never opt for it because i assumed it was.

like i have 8 years NCB this year, say i had stepback bonus protection and i write off my car this year and claim for it, claim settled before next renewal. if i go to a different insurer next year and tell them i have 7 years NCB but i had an accident last year, my premium will go through the roof anyway, so what's the point?

I always opt in for full protection. My understanding is NCB protection aims to protect your discount percentage not cost of insurance.

Your premium is calculated based on your car, age, location, license type, claim history, points, etc.

If you have a claim, your premium is going to be loaded depending on cost of claim. Then your NCB discount is going to be applied.

So hoping to pay same after a claim because of NCB protection is naive but it reduces the damage.

Toyotafanboi

kerten wrote: »

I always opt in for full protection. My understanding is NCB protection aims to protect your discount percentage not cost of insurance.

Your premium is calculated based on your car, age, location, license type, claim history, points, etc.

If you have a claim, your premium is going to be loaded depending on cost of claim. Then your NCB discount is going to be applied.

So hoping to pay same after a claim because of NCB protection is naive but it reduces the damage.

well that's the whole thing. it offers you €x amount of discount from a number that they havn't told you yet. so clearly they are going to create a non discount amount to screw you to the value they want anyway.

like i'd be interested to see the difference in a premium between myself with:
- 8 years NCB
- 7 years NCB through stepback protection and a claim last year
- 0 years NCB and a claim last year

i'd imagine the latter two would be very similar.

is it also the case that NCB protection isn't always transferable between companies?

kerten

Toyotafanboi wrote: »

well that's the whole thing. it offers you €x amount of discount from a number that they havn't told you yet. so clearly they are going to create a non discount amount to screw you to the value they want anyway.

like i'd be interested to see the difference in a premium between myself with:
- 8 years NCB
- 7 years NCB through stepback protection and a claim last year
- 0 years NCB and a claim last year

i'd imagine the latter two would be very similar.

is it also the case that NCB protection isn't always transferable between companies?

You are right about potential scenario of loading the premium too much after a claim. But in this case you lose 20-30 euro. If they don't do it, you will save more than that. And you are free to buy your insurance from another insurer with reduced NCB if it is cheaper than your own insurer.

My friend claimed 2k for repair of a car worth 3k with no third party involved. He had NCB protection and his premium stayed same during renewal. I guess cost of claim is more important parameter in such scenarios.

NCB protection is not expensive for what it is IMHO. Not sure about transferrability of protected NCB though . Probably depends on the insurer's own policy.

Liam McPoyle

The step back doesnt start at the amount you years you have above 5.

Eg, if you have a 5 year bonus and claim with step back you will usually go back to either a 2 or 3 year bonus.

You could have a 20 year NCB and claim with step back and you would go back to the 2 or 3 years.

Toyotafanboi

Business Cat wrote: »

The step back doesnt start at the amount you years you have above 5.

Eg, if you have a 5 year bonus and claim with step back you will usually go back to either a 2 or 3 year bonus.

You could have a 20 year NCB and claim with step back and you would go back to the 2 or 3 years.

thanks. so a bit of a waste then?

can i ask, if you know. is 2 years bonus via the use of stepback protection and a recent claim likely to generate essentially the same premium as zero no claims bonus and a recent claim?

DriveSkill

Gender: M + F (with her own car + ins)

Age: Mid 40s

Car: 2011 BMW 520

NCD: Full (9+ years)

Licence: both full 10+ years. 3 points for F.

Cover: Fully comp, protected

Best quote: €497 with Liberty (renewal)

All other quotes so far seem to be €600+ so think we will be staying where we are. Certainly not as bad as lots of other quotes here but still an increase of about 100 over last year so 25%!!

ION08

My insurance expires 2 of March 2016, how soon does the renewal letter normally come through?

I'm with currently with AVIVA paying €702 for me and the missus.

This was by far the most reasonable quote we were able to get last year so I'm preparing myself for for a shock this year based on what I've read here..

flyingsnail

ION08 wrote: »

My insurance expires 2 of March 2016, how soon does the renewal letter normally come through?

Normally 4 weeks before renewal, most places wont quote unless your renewal is in the next 28 days.

kodirl

Gender: M

Age: 28

Car: 2016 VW Golf GTI Performance Pack

NCD: 4 years

Full Licence: 9 years

Cover: Fully comp, protected

Best quote: €780 with Aviva

Graces7

ION08 wrote: »

My insurance expires 2 of March 2016, how soon does the renewal letter normally come through?

I'm with currently with AVIVA paying €702 for me and the missus.

This was by far the most reasonable quote we were able to get last year so I'm preparing myself for for a shock this year based on what I've read here..

Gulp! I am in the same situation with Aviva ... end of Feb. Dreading it with a 00 car but they said in public that they would not refuse to renew with existing customers. So far my only quotation of about 8 asked for is around E700 from AIB.

privateBeavis

Gender: M

Age: 38

Car: 2010 Skoda Octavia Vrs Diesel

NCD: 1 years (the missus had a tip!)

Full Licence: 17 years

Cover: Fully comp

Best quote (of 2 :-)): ~€1400 with An Post - underwritten by Aviva. Just renewed but without NCB didn't really shop around, tested with 123.ie and got €2500. (was about 1800 last year after loosing NCB which could have been worse!)


I never had claims protection but might get it once I build back up NCB.

One thing about the no claims does that not really lock you into that company or are they generally transferable.
I guessing not. e.g. I had to claim few years ago for new locks after car was stolen and got it back. Policy had the option to pay out for locks without loosing NCB, but you do loose your actually NCB cos it went back to 0 yrs the next year even though yes they still gave the the full 50% discount. So in effect I was stuck with them until I built back up the 5 yrs again!

ofcork

My insurance has jumped from 337 last year to 507 with no change,44yo male driving a 2012 avensis 2l diesel fully comp.Time to start shopping around as the company nononsense want it paid up front.

BOSTIK

Graces7 wrote: »

Gulp! I am in the same situation with Aviva ... end of Feb. Dreading it with a 00 car but they said in public that they would not refuse to renew with existing customers. So far my only quotation of about 8 asked for is around E700 from AIB.

This might cheer you up:

My wife's renewal (Comp) this month on a 2000 Micra was €284 from Aviva.

They will require the car to have a current valid NCT cert.

GvidoR

Gender: M

Age: 20

Car: 2000 Ford Escort 1.4

NCD: 2 years

Full licence: 2 years

Cover: Third party

Best quote: €1285, Axa/Coverinaclick

Masala

GvidoR wrote: »

Gender: M

Age: 20

Car: 2000 Ford Escort 1.4

NCD: 2 years

Full licence: 2 years

Cover: Third party

Best quote: €1285, Axa/Coverinaclick

a Ford Escort???? a 2000 reg????? don't see many of them on the road!!

GvidoR

Masala wrote: »

a Ford Escort???? a 2000 reg????? don't see many of them on the road!!

Yeah. 2 week old pic.

Masala

My bad...... having been around in 70's.... this is my memory of an Escort!!!

Apologies for going off thread!

ofcork

ofcork wrote: »

My insurance has jumped from 337 last year to 507 with no change,44yo male driving a 2012 avensis 2l diesel fully comp.Time to start shopping around as the company nononsense want it paid up front.

Cannot do better on price so far,some quotes are over 1000 closet is 25plus at 510.

dr.fuzzenstein

ofcork wrote: »

Cannot do better on price so far,some quotes are over 1000 closet is 25plus at 510.

Same boat with NoNonsense. cheapest of the bunch, even though it went up.
Funny thing, when I tried to get a normal quote from them, the website told me to fcuk off. Same as last year. And last year my car wasn't even 10 years old.

ofcork

Got a quote of 587 from the site,cover in a click range me and can do it for 490.

SCOOP 64

Opel Astra 1.4 1998

NCD 9yrs +

Age 48

Full licence 30yrs

no points

Last year €310 this year €475 123.ie, Cant find Cheaper.

sporina

sporina wrote: »

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?

So, based on the above, are there any other companies that would be worth my while checking, ye think?

SCOOP 64

sporina wrote: »

So, based on the above, are there any other companies that would be worth my while checking, ye think?

(Im post above yours 307)
On another thread it was recommended i try BOI, so i did, got a online quote for
€275 fully com tonight, so signed up for it on line,hope i filled in all the details right, but have 14 days to cancel with deposit refunded,i did get a extra 20% for being a BOI customer,might be worth a try for you.

Top Dog

Gender: M

Age: 39

Car: '07 Nissan Primastar 115dCI 3-seater van

NCD: Full

Licence: Full 10+ years, 2 points

Cover: Fully comp, step-back protection, for social & domestic not business use, wife as named driver.

Best quote: €457 from AXA. They were hesitant to insure at first but given my previous business with them they accepted the policy (though not before the asked everything and nearly the colour of my boxers!). Think they were confused by a private individual having a commercial vehicle for non-business purposes. Additional discounts applied for the wife having her car insured with them & for being a Credit Union member. Additional cover for towing.

In all honesty I didn't shop too hard. Tried about 6 websites for quotes but because I didn't know the specific carrying capacity they kept failing to quote. Only other actual quote was from insuremyvan which was nearly €100 more for just TPF&T.