Car insurance - tell us your quotes/renewals

boardsuser1

leeside11 wrote: »

Gender: F

Age: 51

Car: 04 Ford Fiesta 1.2

NCB: 3 Years

Licence: Full

Cover: Fully Comprehensive

Last year: 450 with Aviva through Broker

Renewal 480 with Aviva through existing broker

Relieved, was expecting a big increase..

You could probably haggle to the price of last years premium.

leeside11

KC161 wrote: »

You could probably haggle to the price of last years premium.

Could get it down to 456 if I leave out Professional Fee and Legal Expenses Cover but I don't know if I want to drop these. Happy enough as it is

2Mad2BeMad

Gender: M

Age: 22

Car: 08 Toyota Auris

NCB: 0 , had a cyclist hit my car recently, he got paid out for it even though it was his fault, typical...

Licence: Full

Cover: Fully Comprehensive

Last year: 1500 roughly (great price for my age and no previous insurance company)

Renewal: their looking for 3500 now because of the idiot that hit my car

Ive looked around but most wont quote me, or they are quoting me the same amount

Amazing how 1 cyclist who purposely cycles into my car while I am not even moving can pretty much screw me over so much.
Unbelievable

khmk

Just got my renewal quote in the post today.

Male 36

Full licence 11 years

Full ncb

Car 2008 Mondeo 1.6

Cover: Third Party

Insurance : No Nonsence

Last year 412

This year 1,290 !



Cheeky ***** can **** right off.

boardsuser1

leeside11 wrote: »

Could get it down to 456 if I leave out Professional Fee and Legal Expenses Cover but I don't know if I want to drop these. Happy enough as it is

Professional fee for the broker themselves? I dropped legal expenses on my own renewal last year. This years is due next week. Should be fun. Hopefully i get something like your own but insurance really is a lottery of sorts.

Liam McPoyle

2Mad2BeMad wrote: »

Gender: M

Age: 22

Car: 08 Toyota Auris

NCB: 0 , had a cyclist hit my car recently, he got paid out for it even though it was his fault, typical...

Licence: Full

Cover: Fully Comprehensive

Last year: 1500 roughly (great price for my age and no previous insurance company)

Renewal: their looking for 3500 now because of the idiot that hit my car

Ive looked around but most wont quote me, or they are quoting me the same amount

Amazing how 1 cyclist who purposely cycles into my car while I am not even moving can pretty much screw me over so much.
Unbelievable

Your vehicle was stationary, the cyclist crashed into you and your insurer paid out?

That's very strange.

Did you query it?

Were you stopped at lights?

Any independent witnesses?

To Elland Back

Saul T Nutzz wrote: »

Your vehicle was stationary, the cyclist crashed into you and your insurer paid out?

That's very strange.

Did you query it?

Were you stopped at lights?

Any independent witnesses?

Unlikely the cyclist had any insurance, so if you want your car fixed you put through a claim under your policy.

Sammy_Jankis

Male 30

Full licence 8 years

Full ncb 9 years

Car 03 bmw 325ci

Cover: Fully comprehensive

Insurance : 123

Last year 472

This year 529

Called them and got it down to 500.
Happy with that as other quotes I've got have been 900+ or will not insure me.

winnie the schtink

CSween133 wrote: »

Gender: F

Age: 51

Car: 07 Opel Corsa 1.2

NCD: 0 (as have other car insured for my son)

Licence: Full 10+ years, 0 points

Cover: Fully Comprehensive

Best Quote: 57 with Bank Of Ireland

Anyone know any company that would be the best for me to go for with 0 no claims?

you should be careful, what you are doing is fronting and is illegal

Liam McPoyle

To Elland Back wrote: »

Unlikely the cyclist had any insurance, so if you want your car fixed you put through a claim under your policy.

Ya but the poster said 'he' ie the cyclist got paid out.

brainiac

Gender: Male

Age: 22

Licence: 2 years on Full, 0 points

Car: 99 Toyota Yaris GS VVTi 998cc

Full NCB: 3 years

Cover: TPFT

Insurance: Asgard through Chill

Last year: 960 (900 the year before that with 1 NCB)

This year: 1640

Best quote I've gotten so far this morning is 1312.70 with BOI, horrendous increases... You expect your NCB to have a positive affect

CSween133

Gender: M

Age: 18

Car: 03 Volkswagen Bora 1.4 (75bhp)

NCD: 0

Licence: Full 4 months, no points

Cover: Fully comp, protected

Best quote: €2179 with AIG

frozenfrozen

what were your tpft quotes? it can't be worth the difference to go fully comp with protected no claims when you have no NCB? or am I missing something

Liam McPoyle

frozenfrozen wrote: »

what were your tpft quotes? it can't be worth the difference to go fully comp with protected no claims when you have no NCB? or am I missing something

You cannot get bonus protection unless you have a minimum of 3 years bonus, even then its only step back.

Most insurers don't remove a bonus for non fault (fire or theft) claims so I'd hazard a guess that's what he means.

witnessmenow

Hey Guys, question on NCB

I've been driving for 10+ years in my own name with no break in policy and no claims, but my current insurer (Aviva) only recognises 5+ as max NCB and has issued me NCD statement as much.

When getting some quotes, some companies allow for up to 9 years no claims. I assume the max I can select here is 5, even though technically I have 9 years claims free driving?

As for my quotes:

Male
28
10 years full license
NCB 5 (but see above )
08 Diesel Astra Estate 1.2L

Got my renewal off Aviva, €545 up €150 (I think) with protected NCB but I have recently gotten points (3)

New quotes:
FBD: 839
Aviva: 873
Liberty: 715
123: 978
An Post: Website wouldnt work for me
Allianz: Website was crappy and I gave up (also no software engineer job type? You can tell by their site :pac:)
BOI: wouldnt insure me (used import maybe?)

Valetta

witnessmenow wrote: »

Hey Guys, question on NCB

I've been driving for 10+ years in my own name with no break in policy and no claims, but my current insurer (Aviva) only recognises 5+ as max NCB and has issued me NCD statement as much.

When getting some quotes, some companies allow for up to 9 years no claims. I assume the max I can select here is 5, even though technically I have 9 years claims free driving?

I think the question is generally phrased

"How many years claim free driving do you have?"

So you would be perfectly entitled to answer 9+.

ThisRegard

An Post doesn't work with chrome, worked on Edge and Explorer for me.

Liam McPoyle

witnessmenow wrote: »

Hey Guys, question on NCB

I've been driving for 10+ years in my own name with no break in policy and no claims, but my current insurer (Aviva) only recognises 5+ as max NCB and has issued me NCD statement as much.

When getting some quotes, some companies allow for up to 9 years no claims. I assume the max I can select here is 5, even though technically I have 9 years claims free driving?

As for my quotes:

Male
28
10 years full license
NCB 5 (but see above )
08 Diesel Astra Estate 1.2L

Got my renewal off Aviva, €545 up €150 (I think) with protected NCB but I have recently gotten points (3)

New quotes:
FBD: 839
Aviva: 873
Liberty: 715
123: 978
An Post: Website wouldnt work for me
Allianz: Website was crappy and I gave up (also no software engineer job type? You can tell by their site :pac:)
BOI: wouldnt insure me (used import maybe?)

5 is the maximum any insurer will offer, 25 years is the same as 5.

Companies that say they offer 75% discount and all that are just using a marketing gimmick, they may give 75% off but their base rates will be alot higher.

easygoing39

Male
47 yrs old
26 yrs full license
Never had a claim
07 Focus 1.4
Liberty want €723 fully comp for renewal!!

I knew insurance had gone up,but €723 is madness.I "might" pay that if my Focus was a ST,not a poxy 1.4!!
Time to ring around.

X6.430macman

Lads, what would be the best car to get with the cheapest insurance of course for a 17 year old with full license. Was thinking of an old Nissan micra around 2000, but now hearing insurance companies wont insure older yokes?? And how much could I be looking at to get insured?? Any help greatly appreciated.

LawlessBoy

Newer Micra, yaris , fiesta would prob be cheaper then others. In your own name you'd prob be looking at 3000+ but only the insurance companies can give you a definite price .

CSween133

X6.430macman wrote: »

Lads, what would be the best car to get with the cheapest insurance of course for a 17 year old with full license. Was thinking of an old Nissan micra around 2000, but now hearing insurance companies wont insure older yokes?? And how much could I be looking at to get insured?? Any help greatly appreciated.

I'm just gone 18, I'm insured with AIG for €2100 on a 2003 1.4 Bora, in my own name.
My other quotes were between €3550-6000

boardsuser1

Renewal time has arrived for me.

Last years renewal AXA 550 Euro on a 1.4 Megane

Renewal quote 1280 Euro

Car this year is a 2009 Ford Focus 1.6 Diesel

Value 8000 Euro

30 y/o Male with 29 y/o partner on policy

Me 8 years full licence
Partner 2 years learner permit.

7 years NCB

all quotes are fully comp with all the add ons.

AA 918
Liberty 1665
Britton wouldn't quote
123.ie 1443
McCarthy's 1520
FBD 864
Aviva 2061
Chill insurance;

Highest 3301 through Aviva
Lowest 950 through AXA.

Kennco wouldn't quote
AIG 1823
25 Plus 1218
BoxyMo 850

Looks like I won't be renewing my insurance full stop unless there is some change in price which is unlikely.

UPDATE:

Allianz through a broker is 783 Euro. cheapest so far but I still want to get it down more. i'd be content with anywhere between 6/700 at this stage

daveville30

KC161 wrote: »

Renewal time has arrived for me.

Last years renewal AXA 550 Euro on a 1.4 Megane

Renewal quote 1280 Euro

Car this year is a 2009 Ford Focus 1.6 Diesel

Value 8000 Euro

30 y/o Male with 29 y/o partner on policy

Me 8 years full licence
Partner 2 years learner permit.

7 years NCB

all quotes are fully comp with all the add ons.

AA 918
Liberty 1665
Britton wouldn't quote
123.ie 1443
McCarthy's 1520
FBD 864
Aviva 2061
Chill insurance;

Highest 3301 through Aviva
Lowest 950 through AXA.

Kennco wouldn't quote
AIG 1823
25 Plus 1218
BoxyMo 850

Looks like I won't be renewing my insurance full stop unless there is some change in price which is unlikely.

Seems pricey.why the no quotes?

Cee-Jay-Cee

easygoing39 wrote: »

Male
47 yrs old
26 yrs full license
Never had a claim
07 Focus 1.4
Liberty want €723 fully comp for renewal!!

I knew insurance had gone up,but €723 is madness.I "might" pay that if my Focus was a ST,not a poxy 1.4!!
Time to ring around.

On a similar note...45 yr old, licence since I was 18. Zero points, zero claims, zero convictions. Driving an 05 2.0i Legacy and my insurance went up from €510 full comp last year to €770 this year! Absolutely Criminal and totally unjustifiable. I shopped around and got a quote from Allianz for €520 full comp with bonus protection windscreen etc etc

I rang the other company to tell them to shove their quote up their hole and had a callback from them offering me a policy for €530! I told them I wouldn't return to them even if they offered me the same policy for €100 as they're blatant thieves who quote people ridiculous prices in the hope they don't question them and pay up. I asked to have my number and email removed from their system as I will never ever even check for a quote with them again.

ShaneU

Was €509 with 123.ie last year, can't get anything near that this year for some reason.

Gender: M

Age: 29

Car: 04 Peugeot 407 1.8l (€3000)

NCD: 6 years

Licence: Full 6 years, no points

Cover: Fully comp, protected

Quotes

123.ie €641.03.
25plus €732.61
AIG €815.06
Aviva €918.25
FBD €1,064.59
AIB €1285.13
Liberty €1409.91

boardsuser1

daveville30 wrote: »

Seems pricey.why the no quotes?

Have no idea for the no quotes. Entered identical details on each and every quote.

Dale Parish

Gender: M

Age: 23

Car: 02 BMW 525d

NCD: 4 Years

Licence: 4 years, 0 points

Cover: TPFT

Renewal quote: €2180

Time for some shopping around...

domrush

Gender: M

Age: 23

Car: 06 1.6 Petrol Golf

NCD: 1 year

Licence: 3 years, 0 points

Cover: TPFT

Renewal quote: €1150 Student policy with Axa

Alan_007_

domrush wrote: »

Gender: M

Age: 23

Car: 06 1.6 Petrol Golf

NCD: 1 year

Licence: 3 years, 0 points

Cover: TPFT

Renewal quote: €1150 Student policy with Axa

Just wondering, how much were you paying last year with Axa?