Car insurance - tell us your quotes/renewals

Burgo

Burgo wrote: »

Maybe someone here can offer some help!
My partner has moved here from Austria, she's got a full eu license, 25 been driving for 3 years.
She was insured over there on her dads license, but not as a named driver.
She hasn't got a car yet, but would be looking at something with a 1.2 or under, so far she has been quoted 5/6k if she even gets a quote!
I would say its unbelievable but from what I've been reading it seems that outrageous prices are getting all the more common.

Any tips would be greatly appreciated.

Just an update to this:

The cheapest quote my partner got was €3300 for a 1.1 c3 with axa.
Ended up looking around for Insurance for myself and her as a named driver.
Bought our little c3 got insured with axa for 1950.
I've only got a leaner permit for just over a year, its pretty crazy that I can get a much cheaper quote than her despite the fact I've only got a learner permit!

Axa seem to be the only insurer that would insure someone whose been in the country less than a year in case anyone else is interested.

Gender : M
Age : 27
Car : 2006 Citroen c3
License : Learner Permit 1 year
Points : 0
Quote last year : 0
Quote this year : 1950
Cover : Third party fire and theft.

scudzilla

Received my renewal quote from 123, was 590Euro

Told them i'd been quoted 520 from The AA and that i'd stay with them if they matched it, the girl put me on hold for maybe 10 seconds then dropped my renewal to the 520

Kei88

Gender: Male
Age: 27 yrs
Profession: IT
Car: 2006 Lexus IS250 2.5L
NCB: 5+
Claims: 0
Points: 0
License: Full, 9 yrs
Cover: Fully Comp + full NCB protection
Last Year: Patrona Underwriting trough Aaran insurance - around €950
Renewal quote: €1320
Aviva: €990
AnPost: no quote online, gave me the same quote as Aviva when I ringed them but said it would be trough AIG, said they will call back later with a better offer but never called back
AA: €1260
AIG: €1206 with XLNTdriver app to track my driving, not a chance in hell
FBD: €1350
BOI: €1354
Ulster bank: €1499
Britton Insurance: €1358
First Ireland: €1417
Sheridan Insurances: €1473 for Allianz, €1734 for Aviva???

Most of the online quotes I was getting from brokers were in the same range, starting from around 1300 Eur and upwards
Called a couple of them, over the phone they would offer quotes in the range of 1100-1200 with higher excess than Aviva and step back NCB cover only

Aaran insurance said the best they could for renewal is 1240 Euro after I gave them a ring

kh8

is there any1 with BOI with driving of other cars is it over 25 or can under 25 drive other cars 2 im after getting 2 diffrent answers from them

davo2001

kh8 wrote: »

is there any1 with BOI with driving of other cars is it over 25 or can under 25 drive other cars 2 im after getting 2 diffrent answers from them

Depends on the policy, get an answer from them in writing (email).

kh8

davo2001 wrote: »

Depends on the policy, get an answer from them in writing (email).

i was reading the policy its says driving of other cars [policy holder only]
it says nothing about been over 25

Liam McPoyle

kh8 wrote: »

i was reading the policy its says driving of other cars [policy holder only]
it says nothing about been over 25

You need to clarify it with them, ideally in writing.

There is a Talk To BOI forum on Boards, perhaps ask there.

kh8

Saul T Nutzz wrote: »

You need to clarify it with them, ideally in writing.

There is a Talk To BOI forum on Boards, perhaps ask there.

thank u

TJJP

Gender: male
Age: 42 yrs + spouse
Car: 520d
Yr: 2013
NCD: Full (+ protected)
Claims: 0
Points: 0
Licence: 16 yrs +
Cover: Fully Comp
Last Year: Allianz €580

This years on-line quotes:
Allianz 715 (renewal) best offer 700
FBD NO
Liberty You're joking right?
FBD No
Aviva 1475
AA 927
Zurich 774
AXA 990
Chill 785 (KennCo)
123 864 (RSA)
AIG 849
An Post 679 (AIG) 660 when pushed
Ulster 965 (Aviva)

All above include circa +€33 levy to cover Quinn, but sure he's a great lad.

micar

Bank of Ireland have an offer going where if you take out their car insurance before 30th June, you'll get 25% discount.

It's underwritten by Rsa.

My renewal from 123.ie came in on €620.

Quote from boi is €440.

I've gone back to 123.ie to see if they'll match or better boi.

123.ie is also underwritten by Rsa.

misstearheus

What difference does Location make to getting Insurance?!? :eek:

frozenfrozen

misstearheus wrote: »

What difference does Location make to getting Insurance?!? :eek:

theft rates, accident rates in your local area, that sort of thing

boardsuser1

misstearheus wrote: »

What difference does Location make to getting Insurance?!? :eek:

Saul T Nutzz works in the industry i think and would be able to give a better answer.

In my opinion insurance is all about risk.

For example if you live in Knocknaheeny in Cork the area is very high risk compared to Foxrock in Dublin.

Cortina_MK_IV

Border counties seem to get hit hard too.

masterboy123

My insurance always go up by 100 euros when I change my counties due to work place. even where you park the car matters in insurance prices. If local area has more risks then insurance goes high

misstearheus wrote: »

What difference does Location make to getting Insurance?!? :eek:

Eeden

Daughter (24) just got a quote from BOI for €783. No Nonsense were looking for €1,322 to renew.

Liam McPoyle

KC161 wrote: »

Saul T Nutzz works in the industry i think and would be able to give a better answer.

In my opinion insurance is all about risk.

For example if you live in Knocknaheeny in Cork the area is very high risk compared to Foxrock in Dublin.

You are exactly right.

Theft rates will generally be higher in urban areas.

Accidental damage rates will generally be higher in more rural areas.

Accident frequency is higher in urban areas however the severity of the accidents is lower vs the rural areas.

In simple terms there might be 10 low speed crashes in Dublin paying out €5000 each vs 2 high speed accidents in the countryside paying €30000 each.

The likes of Donegal is a particular black spot for insurance due to the fact there has been two or three multi fatality accidents over the last number of years up there.

misstearheus

Aaaaah right! Golly have never really known that they might take where ya live into account when quoting! Does make sense in a way though I suppose. Quite interesting.

Cortina_MK_IV

When I started driving (1986) a figure of 25% was thrown around for Dublin vs. outside Dublin. However it was borne out when I got a quote on a 957cc Fiesta. It was £1,200 for my Dublin address but at the time I was going out with a girl from Meath and using her address the quote was £800.

GavRedKing

GavRedKing wrote: »

Gender: Male
Age: 30
Car: Fiesta ST2
Year: 2016
NCB: 9 Years.
Claims: 0.
Points: 0 (Had 4 but that was over 4 years ago I assume expired)
License: 8 Years Full
Cover: Fully Comp
Last Year: AIG €560 (from the previous car, an 07 Astra OPC, didnt change when I got the Fiesta in January)
This Year: AIG €850

Seems to be the cheapest around too from some provisional checks online without ringing around, its not up for renewal until June 30th so I've some time to ring around.

After some back and forth on the phone yesterday, AIG have dropped their quote to €658, basically €100 up on last years figure.

Skatedude

My Mothers renewal this year.
Gender: Female
Age: 65
Car: Bmw z4 2.2
Year: 2005
NCB: 10+ Years.
Claims: 0.
Points: 0
License: 40+ Years Full
Cover: Fully Comp
Last Year: Allianz €650
This Year: Allienz €1584 ??
Best quote €1250

Totaly fecked up, no clains, only drives about a 1000 miles a year at best.

chocksaway

Quote for me (28) and my girlfriend (27).


Car: 07 Fiat Grande Punto 1.2

NCD: Me: 5 Years + in my own name. Her: 5 +

Licence: Me:5 year full license. Her: 8 years

Me: 2 penalty points, her: none

Cover: Comprehensive

Current insurer: Axa
Last Year: 560
This year: 710

Best Quote: Aviva 638
Others:
Allianz 679
FBD 942
123.ie 1080
Chill 852 with axa

mhackett102

Age: 19
Gender: Male
Car: 2006 Volkswagen Passat 1.9 TDI
NCD: 1 Year in my own name
Licence: 1 Year Full Licence, 1 year provisional
Penalty Points: 0
Cover: TPFT

Current insurer: FBD
Last Year: €2,200 (on a '03 Corolla 1.4 but I got a quote of €2,400 for a '05 Passat 1.9 at the time)
This year: €3,778

I havent done much shopping around but FBD are keen on that price and wont give much of a discount.
Liberty Insurance offered €1,590 after doing an online quote & furthermore reduced to €1,308 after a phone call. Doubt I'll get better than that.

frozenfrozen

take that quote and run

Black_Knight

Gender: M

Age: 29

Car: 09 VW CC (140bhp)

NCD: Full

Licence: Full 10+ years, no points

Cover: Fully comp, protected

Last year: €490 - Allianz
Renewal: €580

Best quote: So far my renewal is the best ive seen (Allianz didnt beat themselves, Aviva were 600+, an post were 600 until I added in protection - went to 1000 then)

mhackett102

frozenfrozen wrote: »

take that quote and run

It sounded so good online that I had to call them and confirm all my details, to make sure it was correct.. And then they offer €1,308!

I am also covered to drive other cars once I have the owners permission & the car has valid tax, nct and insurance & the logbook is not in my name. Happy days!

ZeitgeistGlee

My renewal last month:

Gender: M

Age: 29

Location: Tipperary

Car: 07 Nissan Note (88 bhp)

Licence: Provisional, 3 years.

Penalty Points: 0

NCD: 2 Years

Cover: Fully comp, many bells and whistles.

Last year: Different car.

Renewal: €1800ish w/ AXA

Best quote: €1200 w/ Allianz, next nearest quote was about €1600 IIRC.

kh8

mhackett102 wrote: »

Age: 19
Gender: Male
Car: 2006 Volkswagen Passat 1.9 TDI
NCD: 1 Year in my own name
Licence: 1 Year Full Licence, 1 year provisional
Penalty Points: 0
Cover: TPFT

Current insurer: FBD
Last Year: €2,200 (on a '03 Corolla 1.4 but I got a quote of €2,400 for a '05 Passat 1.9 at the time)
This year: €3,778

I havent done much shopping around but FBD are keen on that price and wont give much of a discount.
Liberty Insurance offered €1,590 after doing an online quote & furthermore reduced to €1,308 after a phone call. Doubt I'll get better than that.

thats a very good quote from liberty there quoting me 1320 on 1ltr im 20 with 2 years ncb and 2 years full irish

kh8

mhackett102 wrote: »

It sounded so good online that I had to call them and confirm all my details, to make sure it was correct.. And then they offer €1,308!

I am also covered to drive other cars once I have the owners permission & the car has valid tax, nct and insurance & the logbook is not in my name. Happy days!

up to what ltr can u drive up to

Autosport

My fathers renewal is up this month:

Gender: M

Age: 67

Location: Kilkenny

Car: 10 Insignia Tourer sports

Licence: Full Irish, can drive everything still has his Arctic licence

Penalty Points: 0

NCD: 40+Years

Cover: Fully comp

Last year: €650

Renewal: €830 with Liberty

Best quote: €680 with Liberty, got a few different quotes Axa €700 Aviva €940, €680 Allianz etc but Liberty came back matched Allianz

I think it's scandalous that my father is practically paying the same as myself.