Car insurance - tell us your quotes/renewals

Blue850

Male 44
Co Galway
Full Irish licence 20 years+
No points or claims
Car 2004 Octavia 90bhp 1.9tdi

Current insurer RSA thru 123.ie, renewal due in May, €420 TPFT last year

123.ie won't let me renew online yet so details as new customer on
123.ie 528 tpft, usually knock a few quid off on phone
25plus 650 comp
Chill 5 quotes fom 799-890 Axa and Kenn Comp
Bestquote 3 quotes from 739-1019 Allianz comp and Axa tpft
AA 567 TPFT
BOI €383 tpft to €483 comp :eek: plus 0% interest on monthly installments.

never would have thought of BOI if it wasn't for this thread

TrailerBob

Male 32
Co.Carlow
Full Irish licence 15 years
No penalty points etc
03 Toyota Landcruiser commercial

Last year €780 with Liberty Fully comp

This year €670 with Liberty Fully comp

Best alternative was €840 with FBD

StereoSound

My insurance for both my cars came down so I don't know what all the stress is about. I was worried about a second car that I own and love which is an old 98 civic coupe. My premium dropped €50 in the civic compared to last year.
Nice!

NIMAN

Its reading this thread that makes me happy that I'm not in my early 20s and just starting to look for car insurance.

Some shocking prices.

Vowel Movement

Gender: M
Age: 23
Car: 08 Vauxhall Vectra sri 1.9 cdti 120bhp
NCD: 4 years
Licence: Full 3 years, no points or claims
Cover: TPFT
Renewal Quote: 1456 AXA through the AA

Best online quote so far is 1260 with Liberty ( well the best actually was 850 with boxymo but fook that)
Renewal is not until mid May so ill ring about in hope for a better quote.

boardsuser1

Vowel Movement wrote: »

Gender: M
Age: 23
Car: 08 Vauxhall Vectra sri 1.9 cdti 120bhp
NCD: 4 years
Licence: Full 3 years, no points or claims
Cover: TPFT
Renewal Quote: 1456 AXA through the AA

Best online quote so far is 1260 with Liberty ( well the best actually was 850 with boxymo but fook that)
Renewal is not until mid May so ill ring about in hope for a better quote.

€850 must be a magic number with boxymo. I got the same quote on a 2009 ford focus 1.6 diesel with a full licence for 8 years and 7 years ncb. Where do they get the figures from.

frozenfrozen

I'd say they just have a very primitive formula for working out risk as they're relatively new and don't have a lot of data for how the tracker affects normal risk rates. That alone could be the reason all the quotes are so similar. There's probably a flat fee of xxx euro for the tracker and installation too which would tend to leave all quotes within a similar range above that number

CreepingDeath

septicsac wrote: »

Best - BOI - 433

Looks like BOI for this yr then

Thanks, best quote for me too, 2nd only to 25 Plus.
You just saved me €100.


Gender: M
Age: 43
Car: 07 Honda Civic 1.8L Sport I-VTEC
NCD: 6+ years on ncd scale ( actual : 16 years )
Licence: Full 16 years, no points or claims
Cover: Comprehensive + wife on policy (used to knock €50 or so off the price )
Renewal Quote: €680

I was with 123/RSA... won't be now.

Last year when I was in Lucan it was €330.
Then they added €90 for the remaining 6 months of my policy when I moved to Drogheda, so I assume there's a €180 price difference annually.
That was a surprise, that Drogheda had a higher risk than a Dublin suburb, whether that's theft or crash risk.
So my 123 renewal should've been around €510, but got renewal of €680

The last 2 years I used to apply for a new quote with 123 which was always cheaper than the renewal quote. This year that trick didn't work and they quoted €809 when I tried a new quote versus renewal.


Other quotes I got (from Sheridan broker)
Quote 1 € 750.80 Allianz Ireland p.l.c.- Private Motor
Quote 2 € 761.23 AIG Europe
Quote 3 € 960.67 Aviva Broker Motorchoice Standard
Quote 4 € 995.38 Liberty
Quote 5 € 1303.50 AXA DriveFirst Basic

Aig : €720
25 Plus : €662

BOI Standard comprehensive : €565.49 (Without wife on policy)
BOI Prestige : €607.59 (Without wife on policy)

BOI Standard comprehensive : €527.27 (With wife on policy)
BOI Prestige : €566.52 (With wife on policy)

SpannerMonkey

Aviva
Gender: M
Age: 32
Car: 08 Bmw 730d Sport 3 litre diesel
NCD: 6+ years on ncd scale
Licence: Full 9 years, no points or claims
Cover: Comprehensive + wife on policy
Renewal Quote: €595

colm_mcm

Gender: M
Age: 34
Car: 07 Honda Civic 1.8L ES I-VTEC
NCD: 6+ years on ncd scale ( actual : 9 years )
Licence: Full 16 years, no points or claims
Cover: Comprehensive
Renewal Quote: €1760 (AIG through broker)


Last year it was €535

Other quotes I got (from Sheridan broker)
Quote 1 € 727.03 Allianz Ireland p.l.c.- Private Motor
Quote 2 € 772.76 AIG Europe
Quote 3 € 868.34 Aviva Broker Motorchoice Standard
Quote 4 € 1073.67 WrightWay Elite
Quote 5 € 1217.37 Liberty

Also
Quote 6 €948.96 Liberty
Quote 7 €637.38 Bump
Quote 8. €741.20 AIG
Quote 9. €813.49 123.ie
Quote 10 €639.29 25plus.ie
Quote 11 €757.57 Allianz



I thought that was that. Then I saw the post above on the same car as mine so I said I'd give Bank of Ireland insurance a shot. I am shocked TBH.

€553.63 (Popular)
This includes

Accidental Damage, Fire and Theft Cover
Breakdown Assist in Ireland
Driving of Other Cars Third Party (Eligibility Criteria Applies)
EU Cover (45 Days)
Windscreen Cover

Or to add all this. €595.64 (Prestige)

NCD Step Back Protection
New car replacement
Car hire up to €200
Personal belongings up to €500
Replacement locks up to €1000
Misfuelling up to €750

creepingdeath wrote:

I was with 123/RSA... won't be now

Bank of Ireland is RSA

frozenfrozen

Right so an update

Gender: Male
Age: 59
Location: Clare
Car: 2005 BMW 645ci 4.4 litre
License: Irish 30+ years
NCD: Full
Cover: Fully comp etc
Price last year: 585ish euro
Renewal price: 1418
Quote from chill with liberty: 1293.31

Quote through a different broke which I can't remember the name of: 1100

25plus.ie: 900 (750 when you selected 10 years no claims but they wouldn't accept the 5+ years letter for this, so their loss)

Bank of Ireland: 750, 810 with the prestige one, which he went with. Full cover for everything and for the sake of step back ncd we felt it was worth the difference

So last year quote: 585~, this year 810. Not a bad increase, but it did take a good few hours of phone calls. Most others don't even warrant being written here, either no quote or insanely high because of 'performance VEHicle'

---

BOI wouldn't generate a quote for me.

Gender: Male
Age: 20
Location: Clare
Car: 2000 Skoda Fabia 1.4
License: Irish full license 1 year, on the road 2 years
NCD: Stage 2 with aviva, 1 year in own name 1 year named
Cover: tpft
Price last year: 2000+ paid in a few chunks because I changed over to the full license a few months into the cover
Renewal price: 1950ish with aviva
Everybody else: Won't quote/ 3000+ / 2600~.
Went back and told Aviva I'd got a better quote and they brought theirs down to 1750ish

Probably going to try that again, then go with them.


annoying process but there you have it.

Yamanoto

Gender: M
Age: 42
Car: 01 Saab 9-5 2.0
NCD: 5yrs
Licence: Full 10 years, no points / claims
Cover: TPFT
Renewal Quote: €790 (Axa through broker)

I went with Zurich at €415 fully comp in 2014, 2015 the best I could manage was €535 TPFT with Axa & today I've gone with BOI's 'Prestige' TPFT product at €376.00. Kinda taken aback to see such a significant decrease tbh, especially so given the industry's warning that rising claims costs would inevitably impact premiums & that several of the big insurers now refuse to quote on cars of that age.

Very pleasantly surprised.

Liam McPoyle

Id be fairly confident that this time next year BOI will not be offering the same type of pricing so people should get on the wagon while they can.

corks finest

2010 Honda insight hybrid, import, Liberty, 420, up e,85 ,so can't complain, as up to 13 other brokers,companies, wouldn't even quote me,max ncd,no points etc,when I queried chill,guy told me re ason jap import ,can't check car history etc,load of bollox, every car in n Ireland is an import,and if fully nctd,what's the beef? P.S. no modifications etc

To Elland Back

Male
50's
Full NCB (protected)
Full Licence, no points
161 Hyundai i30, €17,500
€298 Comprehensive

Benefits of being involved with thieving, cartel insurers

colm_mcm

Your advancing years are standing to you too

wiz569

colm_mcm wrote: »

Your advancing years are standing to you too

Didn't feckin help me

kranbo

Gender: Male
Age:53
Location: Dublin
Car: 161 Corsa 1.4
License: Irish 20+ years
NCD: Full
Cover: Fully comp etc
Price last year: 330 euro
Renewal price: 642

After querying quote with AIG this is the response I got

"I am sure you can appreciate the nature of insurance means that
companies have to pay out claims, and from time to time the margin between
these outlays and premium income becomes very strained.

It is unfortunate that your policy with AIG Direct has fallen due for
renewal during a period when we are experiencing higher than anticipated
claims pressure.

You will note, if you review the market as a whole, that premiums
everywhere have increased.

AIG Direct do not wish to lose custom but our premiums are dictated by a
very simple economic basis, that premiums remain higher than claims.

Our underwriters have set the premiums for this year with this goal in mind
and have decided to invite your renewal at €641.30.

Unfortunately I cannot improve on this offer.

My Apologies"

Needless to say I won't be accepting their "invite" and have obtained a quote for 538 with Allienz

corks finest

CreepingDeath wrote: »

Thanks, best quote for me too, 2nd only to 25 Plus.
You just saved me €100.


Gender: M
Age: 43
Car: 07 Honda Civic 1.8L Sport I-VTEC
NCD: 6+ years on ncd scale ( actual : 16 years )
Licence: Full 16 years, no points or claims
Cover: Comprehensive + wife on policy (used to knock €50 or so off the price )
Renewal Quote: €680

I was with 123/RSA... won't be now.

Last year when I was in Lucan it was €330.
Then they added €90 for the remaining 6 months of my policy when I moved to Drogheda, so I assume there's a €180 price difference annually.
That was a surprise, that Drogheda had a higher risk than a Dublin suburb, whether that's theft or crash risk.
So my 123 renewal should've been around €510, but got renewal of €680

The last 2 years I used to apply for a new quote with 123 which was always cheaper than the renewal quote. This year that trick didn't work and they quoted €809 when I tried a new quote versus renewal.


Other quotes I got (from Sheridan broker)
Quote 1 € 750.80 Allianz Ireland p.l.c.- Private Motor
Quote 2 € 761.23 AIG Europe
Quote 3 € 960.67 Aviva Broker Motorchoice Standard
Quote 4 € 995.38 Liberty
Quote 5 € 1303.50 AXA DriveFirst Basic

Aig : €720
25 Plus : €662

BOI Standard comprehensive : €565.49 (Without wife on policy)
BOI Prestige : €607.59 (Without wife on policy)

BOI Standard comprehensive : €527.27 (With wife on policy)
BOI Prestige : €566.52 (With wife on policy)

What about Liberty? Got my renewal from them cheapest by e160

stefanovich

To Elland Back wrote: »

Male
50's
Full NCB (protected)
Full Licence, no points
161 Hyundai i30, €17,500
€298 Comprehensive

Benefits of being involved with thieving, cartel insurers

So you are lower risk because you know someone who works in insurance? Or perhaps they are crooks...

Liam McPoyle

stefanovich wrote: »

So you are lower risk because you know someone who works in insurance? Or perhaps they are crooks...

Or maybe he gets a substantial staff discount.

:rolleyes:

To Elland Back

stefanovich wrote: »

So you are lower risk because you know someone who works in insurance? Or perhaps they are crooks...

No you're wrong. I'm part of the machine whose sole aim is to get up in the morning and screw over fellow motorists by plucking quotes out of my hoop

Either that or it's a staff discount, as Saul T Nutzz suggests, similar to perks the majority of people get in their jobs

bd2012

Gender: M
Age: 36
Car: 02 Audi A6, 1.9 TDI
NCD: 9+ years
Licence: Full 10+ years, 0 penalty points
Renewal Quote: 571 with 25Plus, includes breakdown assist/ homestart/ windscreen cover etc.

Got a few quotes online, the ones that would quote me were a lot more expensive, seeing as I'm in a 14 year old death trap of a TDEYEEEEE! Looks like I'm sticking with 25 Plus this year... interestingly I put in my details to 25 Plus as a new customer and they wouldn't quote me, "outside of our criteria" or something like that.

corks finest

stefanovich wrote: »

So you are lower risk because you know someone who works in insurance? Or perhaps they are crooks...

Pretty good,who with?I'm same as u ,50s,full ncd,etc,etc,never penalty points,tickets even,lowest I got was e 420,liberty

Liam McPoyle

My wife's renewal came in this week.

02 Mini One, 1600cc.

Fully comp, full NCB, no a/c/c, full NCB protection, breakdown assist etc.

Last year was about €560 with AIG through Chill.

This year Chill offered Allianz at €695 (incl a €65 admin fee, gtfo) AIG were almost €800.

Rang Allianz direct and got it for €600.

Had a chat with the personal lines manager in my job today so she is going to run up a quote for me next week.

If I can get it for the same price as last year I'd be happy, anything cheaper is a bonus.

A lot of companies wouldn't quote due to vehicle age and of those that would they were ranging from €650 to over €1000.

Kenjataimu

How long do BOI quotes last for?

marvsins

Kenjataimu wrote: »

How long do BOI quotes last for?

Says this on email quote I got.

"This exact quote is guaranteed only on the date of enquiry and may be subject to change."

Vowel Movement

:pac:

sheroman01

Gender. Male

Age. 24

Licence. 5 years. Full.

NCB. 4 years.

Car. 2006 VW Golf 1.4 petrol

Points. 0

Cover Required. Fully Comp

Last year: €590 - its4women (under AIG)

Renew Quote. €780

---

Thanks for the recommendations here lads, got fully comp €700 with AA (Aviva). Funny though, rang at 11 this morning, quoted me at 810, then bettered it at 780, said I'd ring back. Rang back at 2, got a new quote from them, 810 again, asked could they do they better, came back with 700

Crazy prices out there though. AIG €1600 and Liberty €950!

pajor

Will be the case from 10 May:
Age: 24
Car: 06 VW Golf 1.4 FSI
Years Driving: Licence for 6 years.. 1 NCB
Claims: 0
Price: €52.22 paid monthly. So about €630 TPFT here with Dutch broker, actually insured by Allianz.
Excess: €0