Car insurance - tell us your quotes/renewals

beertons

Best quote I could get on a 151 transit connect was 880, with my dad and myself on the policy. Steep enough.

CramCycle

Silent Shrill wrote: »

A point I'd like to make. Where is this insurance for 280.00 that I see advertised? It's a complete fabrication. What percentage of drivers are getting this quote? So much for being in the EU, insurance in Ireland is a closed shop to make us pay ott prices. I will not be getting any car insurance, and intend to do without a car, and use my motorbike. The state can now pay for the caredoc to call out to us when our family needs them. There is no public transport in rural Ireland, and therefore no way to get into the nearest large town, therefore a car is not a luxury as it is in Dublin. The infrastructure in Ireland is crap.....Like it's politicians.

I think it is typically a female driver, aged 30 or 32, Full NCB, car in driveway and they live in Wexford (they always live in Wexford). At least that is memory from the ad, it is written in small white writing on the last screen.

Captain Chaos

CramCycle wrote: »

I think it is typically a female driver, aged 30 or 32, Full NCB, car in driveway and they live in Wexford (they always live in Wexford). At least that is memory from the ad, it is written in small white writing on the last screen.

They're not allowed to use gender to calculate risk anymore yet they do still quote female driver as a condition in the ads.

Occupation has a good chunk to do with it too. Female civil servant or teacher living in the back end of no where on 8,000 kms per year.

CramCycle

Captain Chaos wrote: »

They're not allowed to use gender to calculate risk anymore yet they do still quote female driver as a condition in the ads.

Occupation has a good chunk to do with it too. Female civil servant or teacher living in the back end of no where on 8,000 kms per year.

I am recalling from memory, so could be wrong but they do say it on the end shot in small white writing. Quote calculated based on blah blah blah. I want to say AXA. i think the Aviva ones said minimum quote is such and such, but no parameters.

CYHSN

Male
Full Irish license 1 year
2 year ncb
04 Fiesta 1.2

2015 with JLT - 1510
2016 with AA - 1399
Today with Axa - 1185 fully comp

Not so bad, at least its consistently coming down every year.

HeidiHeidi

Given all the horror stories in here and that I've heard recently, I was almost pleasantly surprised by my renewal quote this time round

Your Age: 49
Car type and engine: 2015 Mini Cooper 1.5 petrol
years driving: 30+
any claims: 0
Price and provider: €550 through a broker IPF, insurer is Bump (who I thought were leaving the Irish market, but there you go)

Same broker got me €490 last year with the same insurer, so a 12% increase (if I'm doing that sum right).

I did a bit of shopping around but no-one else came near it.

Phew!

Mint Sauce

Well it finally happened, after two years of hearing other peoples experiences, yesterday, I got the dreaded increase.

Renewals with my current broker, have been around €500 for the last two years or so. Down from around 600ish when I first went to them about 3 or 4 years ago. Shop arounds have ranged from around 500 to around the 1400 mark. Opened up their renewal yesterday afternoon, €720!! Car is 11 years old this year, really hoping this is not a sign of what other will be charging.

Any suggestions, first port is usually the brokers, either around me in Sligo, or home town of Donegal Town, then BOI (my home insurer), then trawling the web. Am tempted to go down the Third Party, Fire, Theft only, but she is still a good looking and reliable yoke.

Age 38
Car 2006 1.4 Astra
Driving 7 years
NCB 6 Years
No points, no convictions.

Last two years, 500ish on renewal. 720 this year.

Copper_pipe

21 year old male
2002 1.0L Yaris
1 Year NCB

Paid 2200 last year when starting policy. Save Company going with 3515.00. Broker says they have another company for same cover for 2500.

TheAdammaka

Male
Age 59
Commercial policy
New policy, 5 years named driver experience
NV-200 van
No points ect.

2016-€795 Liberty
2017- €2400 Liberty €1100 Axa

DrPhilG

TheAdammaka wrote: »

2016-€795 Liberty
2017- €2400 Liberty

Holy crap!

Price trebled in one year with no claims etc? That's shocking. Possibly the worst bump I've seen here.

Took them 2 renewals and one claim for 123.ie to treble mine.

jimgoose

jimgoose wrote: »

...Reckon I'll get it for 700 - I'll give them a few thumps next week.

685, AXA, including comprehensive on other cars. Result I'd say, given the evil days that are in it.

boardsuser1

jimgoose wrote: »

685, AXA, including comprehensive on other cars. Result I'd say, given the evil days that are in it.

On the Jag?

jimgoose

KC161 wrote: »

On the Jag?

Indeed.

frozenfrozen

frozenfrozen wrote: »

Insurance quote in this morning from liberty through chill:

Gender: Male
Age: 21
Location: Clare
Ncd: 3
Car: 00 Skoda Fabia 1.4 petrol
Quote: €1761.91

mine has come down this year

Quote from glennons €1,763.23 (500 euro excess)

baldbear

Gender: Male
Age: 35
Location: D13
Ncd: 9
Points: 0
Car: 2012 Skoda Octavia 1.2 petrol
Quote: €656
Chill insurance with AIG

Last year it was €460 with a 03 Corolla 1.4l

Feel slightly violated.

HiGlo

HiGlo wrote: »

Out of interest, I did a search in my emails to see my renewals over the past few years.....

2012 - €361.30
2013 - €328.75
2014 - €353.95
2015 - €424.87

For my 2014 renewal that involves a change of car from a 2007 1.4 Focus to a 2006 1.6 BMW

HiGlo wrote: »

Grrrrrrr, got my renewal for 2016;
€559.86

Not.happy.Jan.....:( Gonna shop around a little and see can I get something better. Been with 123.ie for 4 years or more now.

Gender: Female
Age: 37
Location: D16
Ncd: 6
Points: 0
Car: 2016 Ford Focus 1L
Quote: €692
RSA with 123.ie (have been with them for years)

It's that time of year again.... Hiked up again... I've switched car again. Back to a Focus.
Was quoted €692.59 and phoned up to find out the monthly instalments. It'll work out at €752.25 if I pay in instalments.... I might try Aran again and see what kind of quote I get...

sdanseo

Gone from a low of €380 3 or four years ago to a high of €680 last year with a bit of an engine increase in the meantime. New car at the start of this year so went comprehensive which brought new quote to €881.

Just switched to 123.ie, quoted €566 last month but didn't pull the trigger fast enough and ended up paying about €645 - they knew they were cheapest, obviously!

Male
28
Dublin
9 years NCB
Points 0
1 Series 2017

frozenfrozen

Anyone have any tips for what I should do re: my 1700 quotes?


changing the car doesn't make much sense as I'd be spending a few thousand to save a few hundred.. so I think it's just a case of looking for a cheaper insurer..

sdanseo

frozenfrozen wrote: »

Anyone have any tips for what I should do re: my 1700 quotes?


changing the car doesn't make much sense as I'd be spending a few thousand to save a few hundred.. so I think it's just a case of looking for a cheaper insurer..

Just shop around. Chill and Glennons are generally very expensive compared to my renewals.

Liberty, FBD/Nononsense, 123 all have reputation for being better for young drivers. When I originally signed up in my own name with Quinn they were the cheapest by miles and that was €2,000 / €2,100 at age 19.

frozenfrozen

123.ie: won't quote
first ireland: First Ireland is pleased to quote you a premium of €1869.83.
Currently with liberty renewal at 1760 odd euro
fbd/nononsense: wont quote

Cows Go µ

frozenfrozen wrote: »

123.ie: won't quote
first ireland: First Ireland is pleased to quote you a premium of €1869.83.
Currently with liberty renewal at 1760 odd euro
fbd/nononsense: wont quote

Try adding a parent, it generally brings the quotes down. Between your age and the age of the car a lot of companies aren't going to quote

sdanseo

Remember that just because they won't quote online doesn't always mean they won't quote.

Autosport

Britton insurance is a new broker in the south east. www.brittoninsurance.ie

frozenfrozen

oh lovely,

Britton Insurance is pleased to offer a Premium of €1539.44

that's an improvement

Mo14

Age: 25
Car: 05 Renault Clio 1.2
Years Driving: 6
NCD: 1 Year (stopped driving for a while)
Best Quote: €1304 Aviva Fully Comp.

2016: €1596 (Chill)
2017 Renewal: €1991

Additional Quotes:
123.ie: €2719
FBD: €2526
AXA: €1979

It's crazy out there.

Sean46795

Insured as a named driver on my mother's policy so here goes.

Age: 56 Full Licence (MOTHER), 22 Full Licence (ME)
Car: 2013 Opel Astra, 1.4
Location: Dublin


Price last year €1073 with Aviva.
Renewal: €1147

Additional quotes.

Zurich: €960
AXA: €2100
Libery: €2053
123.ie: €1400

Have since done a quote with Aviva online and it's only €850. Some strange reason when i rang them they couldn't give me the price I got online over the phone but overall will be happy to take the €850 when I see this thread and some prices people are getting. More than a €200 saving than last year.

Kintarō Hattori

The missus is due for renewal this month. She's off work on maternity as she's due to give birth in about six weeks so I'm doing web quotes for her this morning and well, the below has left me stunned:



She's had a Polish licence for 10+ years and has been driving in Ireland since 2011 with no claims/points. Car is a 2005 BMW 320i, living in Balbriggan in our own home.
I guess she's going to have to change her licence to an Irish one. If she does that, can she no longer say she's held a licence for 10+ years? Is it advisable to change or leave it as it is?

Just added myself to the policy after only having a licence a year and...... it's dropped by €400.... still madness.

flexcon

Kintarō Hattori wrote: »

The missus is due for renewal this month. She's off work on maternity as she's due to give birth in about six weeks so I'm doing web quotes for her this morning and well, the below has left me stunned:



She's had a Polish licence for 10+ years and has been driving in Ireland since 2011 with no claims/points. Car is a 2005 BMW 320i, living in Balbriggan in our own home.
I guess she's going to have to change her licence to an Irish one. If she does that, can she no longer say she's held a licence for 10+ years? Is it advisable to change or leave it as it is?

See problem is - They will always charge a loading on the license. It won't come down based on years. She needs an Irish license to earn penalty free driving. EU law means they cannot load higher based on another EU license, but in Ireland, they offer discounts on penalty free license.

Hope that makes sense. Try and put in that she has an irish license, full with no penalty points and see what the quote is

inforfun

Kintarō Hattori wrote: »

The missus is due for renewal this month. She's off work on maternity as she's due to give birth in about six weeks so I'm doing web quotes for her this morning and well, the below has left me stunned:



She's had a Polish licence for 10+ years and has been driving in Ireland since 2011 with no claims/points. Car is a 2005 BMW 320i, living in Balbriggan in our own home.
I guess she's going to have to change her licence to an Irish one. If she does that, can she no longer say she's held a licence for 10+ years? Is it advisable to change or leave it as it is?

Just added myself to the policy after only having a licence a year and...... it's dropped by ?400.... still madness.

I changed from Dutch to irish license in 2010 and always fill in i hold my license 25+ years.
I had to renew mine anyway and since i wasnt registered in my COB anymore i didnt have much choice than to go for an Irish one.
I did ask the question trying to get quotes whether it would bring the price down, but was told it would change a thing.

But, i had to start with 0 years ncb in 2010 as i had my 55% built up in Holland lost due to "inactivity"

pxdf9i5cmoavkz

No vaseline supplied.

35 y/o and 36 y/o trying to get first time insurance on a Kia Ceed 2007 or 2012 Hyundai i10.

Backstory: We both have 15+ years of driving experience from South Africa and have swapped our license over to Full Irish License.

Kia Ceed quotes at €3914 for Third party only.
Hyundai i10 quotes at €2338 for Third party only.

First Ireland, Campion and Blue are all asking for €2300 -> €4000
123.ie wont even quote us.

What the hell? Are these insurers taking the .... out of us??

flexcon

Kash Incalculable Uniform wrote: »

No vaseline supplied.

35 y/o and 36 y/o trying to get first time insurance on a Kia Ceed 2007 or 2012 Hyundai i10.

Backstory: We both have 15+ years of driving experience from South Africa and have swapped our license over to Full Irish License.

Kia Ceed quotes at €3914 for Third party only.
Hyundai i10 quotes at €2338 for Third party only.

First Ireland, Campion and Blue are all asking for €2300 -> €4000
123.ie wont even quote us.

What the hell? Are these insurers taking the .... out of us??

That's kinda barbaric to be fair...

JamboMac

I wonder how much of a difference doing the test here or Britain makes, obviously the standards between the two are similar. What are the standards in the likes of South Africa, India and the likes.

flexcon

JamboMac wrote: »

I wonder how much of a difference doing the test here or Britain makes, obviously the standards between the two are similar. What are the standards in the likes of South Africa, India and the likes.

It's the insurance companies that are the block and dictate this. For example, if you have an ECC license the insurance should be the same on that loading as any Irish license.

However, they offer discounts based on penalty free point driving. So in this case, having a french license means you cannot avail of the discount -

If you have a UK license you can as ours systems talk.

IF you have a license from anywhere else around the world, you can be sure that not only can you not get the penalty free driving, they are free to put a premium on that license.

Kintarō Hattori

Right, so she got a 'decent' quote of €830 through 123.ie but it rises to €990 if she ticks that she's claimed for a windscreen in the last four years. She's had comprehensive the whole time she's had her current car, almost 3.5 years. I thought having Comprehensive with windscreen cover was supposed to exempt her from a higher premium?

TeaBagMania

Wait you get dinged for windscreen replacement? that's BS might as well save the premium and put it into a windscreen savings account

flexcon

Kintarō Hattori wrote: »

Right, so she got a 'decent' quote of €830 through 123.ie but it rises to €990 if she ticks that she's claimed for a windscreen in the last four years. She's had comprehensive the whole time she's had her current car, almost 3.5 years. I thought having Comprehensive with windscreen cover was supposed to exempt her from a higher premium?

wow, should check the small print on that.I guess they are asking NEW customers if you have claimed a windscreen. IF you have they are charging a premium?

I am guessing that is the story here? You are asking them to be a new customer or adding a new driver?

If she was renewing with the same provider there wouldn't be a premium . Again, could be clever clogs insurance companies

Kintarō Hattori

flexcon wrote: »

wow, should check the small print on that.I guess they are asking NEW customers if you have claimed a windscreen. IF you have they are charging a premium?

I am guessing that is the story here? You are asking them to be a new customer or adding a new driver?

If she was renewing with the same provider there wouldn't be a premium . Again, could be clever clogs insurance companies

This is it. She's currently with Kenco and they want to charge her €1000 to renew her policy. The policy through 123 would be with RSA Ireland (who she has been with in the past) so yep a premium for new customers. The policy would be in her own name and with no named drivers.

https://www.123.ie/downloads/RSAMotorPolicy1016.pdf

flexcon

Kintarō Hattori wrote: »

This is it. She's currently with Kenco and they want to charge her €1000 to renew her policy. The policy through 123 would be with RSA Ireland (who she has been with in the past) so yep a premium for new customers. The policy would be in her own name and with no named drivers.

Ok so you are right, Kenco cannot charge a premium for the windscreen coverage as she paid for that coverage.

In this case, any other insurance company CAN charge based on a windscreen breakage of 4 years. Never heard of this been done in the flesh though. Insane. Clearly they are looking for income anyway!

Add another female driver, older if possible to the policy as a named driver. Should, and often does - bring it down. If you are her partner - add yourself. Let us know how you get on.

Also if the car is worth near 5000 or 10000, then make sure you make the value over those values. So if the car is worth in your eyes, 4800, then make them know it is worth 5,100. etc.

It actually in most cases - brings down the premium

Sue Pa Key Pa

A windscreen claim IS a claim. Most policies state that it won't have any affect on your premium, but that does not mean another company has to accept the terms of your previous contract.

flexcon

Sue Pa Key Pa wrote: »

A windscreen claim IS a claim. Most policies state that it won't have any affect on your premium, but that does not mean another company has to accept the terms of your previous contract.

Summed up. Couldn't get that line out on a post.:)

Kintarō Hattori

Kintarō Hattori wrote: »

Right, so she got a 'decent' quote of €830 through 123.ie but it rises to €990 if she ticks that she's claimed for a windscreen in the last four years. She's had comprehensive the whole time she's had her current car, almost 3.5 years. I thought having Comprehensive with windscreen cover was supposed to exempt her from a higher premium?

Ah the madness continues. She input all of the same details for the above but put in having an Irish licence and having it for 0 years instead of her 10+ years Polish licence...... came down to €750... including having claimed for a window replacement.

inforfun

Keep going. At 1 point they must be sending an insurance disc and money to your address

Ron Burgundy II

Age: 30 (male)
Car type and engine: 2016 VW Golf 1.4TSi
Years driving:10
Any claims: 0
Provider: Zurich

2016 = €616.79
2017 = €730.85

an 18% increase from last year

TeaBagMania

Ron Burgundy II wrote:

an 18% increase from last year

Rewarded for being a good driving..... by an increase in premiums

HiGlo

HiGlo wrote: »

Gender: Female
Age: 37
Location: D16
Ncd: 6
Points: 0
Car: 2016 Ford Focus 1L
Quote: €692
RSA with 123.ie (have been with them for years)

It's that time of year again.... Hiked up again... I've switched car again. Back to a Focus.
Was quoted €692.59 and phoned up to find out the monthly instalments. It'll work out at €752.25 if I pay in instalments.... I might try Aran again and see what kind of quote I get...

Shopped around and got cheaper with Aran Insurances (€635) and then cheaper again with Its4women (€586). Was regularly hounded by 123.ie so told them I got cheaper offer, and within about 3 seconds my offer from 123.ie was reduced by €100! (€593)

While the one off payment amount was cheaper with Its4women in fact the monthly payment option would have resulted in more so I ended up going with 123.ie - less hassle too having no paperwork to do (my ins expires midnight tonight!).

I think I've been pretty lucky with my quotes over the years looking at some of the prices here...! I've had a claim (well 2 if you count the windscreen claim) and penalty points and I'm still paying less than €600 a year for car insurance....

Cortina_MK_IV

Gender: M.

County: Louth.

Age: 52.

Car: 2003 Toyota Avensis 1.6.

Driving: 31+ years (if only it counted,.. 5 years NCD).

Points: 0.

Licence: Full 29+ years, no points.

Cover: Fully comp, protected.

2016: €680 with First Ireland.

Renewal for 2017: €780 (First Ireland.)

BionicRasher

BionicRasher wrote: »

Wife just got renewal letter as below

Your Age: 44
Car type and engine: 2012 Prius
years driving: 20
any claims: about 15 years ago 1 claim.
Price and provider: 554 Allianz through AA. Step back bonus protection.

Going to search around as that seems a bit expensive.

So rang around a lot of places including some brokers and was getting quotes for 600 to 700.
Called the AA and with a little bit of effort (not too much mind you) we got it reduced to €484. This includes me as named driver and wife is fully comp on other cars also.
Payment by instalments brings total to €514.

Result!

Xcellor

Renewal from BOI insurance came.

€1046 up from €695 last year.

A whopping 50% increase!

Age:34
Car: 1.6 02 Avensis
NCB: Full / no claims ever
Driving license: 10 years+
No penalty points.

Most expensive quote was from Liberty which was north of 2000!!

Cheapest quote is 750 with 25plus.ie.

I know I have an old car but seriously is that the only thing that is killing me??

jimgoose

Xcellor wrote: »

...I know I have an old car but seriously is that the only thing that is killing me??

Sure there isn't sense or meaning to it. I renewed last week for 685 with AXA - full-comp and all the trimmings on a 1999 3l Jag.

Xcellor

jimgoose wrote: »

Sure there isn't sense or meaning to it. I renewed last week for 685 with AXA - full-comp and all the trimmings on a 1999 3l Jag.

Phoned BOI and was basically told the only way I could get a cheaper quote was to go third party fire and theft. I said to check and tell me what the price would be, the agent put it to TPFT without windscreen cover and the quote came back more expensive!! I think it's a bunch of monkeys pulling cogs in whatever system generates these quotes.

Bloody joke. I'm so pissed off. Safe drivers get shafted...