Car insurance - tell us your quotes/renewals

punisher5112

Car industry does well and also could be well worth looking into EV as many could change over and save a fortune.

GavRedKing

Gender: Male
Age: 31
Car: Fiesta ST2
Year: 2016
NCB: 10 Years.
Claims: 0
Points: 0
License: 9 Years Full
Cover: Fully Comp
Last Year: AIG €658
This Year: AIG €822

Just got this in the door from AIG, will ring around in the coming days, its up on June 29th.

Checked around quickly there online, cheapest was 25Plus at €660, most expesnive was Aviva at €1290.

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.

masterboy123

I got the cheapest from 25plus too.

GavRedKing wrote: »

Checked around quickly there online, cheapest was 25Plus at €660, most expesnive was Aviva at €1290.

GavRedKing

masterboy123 wrote: »

I got the cheapest from 25plus too.

Ya, I'm going to ring AIG see what they can do for me before I commit to 25 Plus, but I cant see them dropping down to last years rate to match 25 Plus.

Alan_007_

Gender: Male
Age: 22
Car: 1.9 TDI Golf
Year: 2005
NCB: 2 Years.
Claims: 0
Points: 0
License: 4 Years Full
Cover: TPFT w/ windscreen cover
Last Year: Axa €2,050
This Year: Liberty €1,114

Almost half what I paid last year. Needless to say, I'm pretty delighted with that.

For anyone renewing too, liberty have a flash sale this weekend. Saved me €135 off the quote I got from them yesterday.

The Guvnor

_Puma_ wrote: »

That magic age that the Irish car insurance cartel decide your car is all of a sudden a menace on the road. Be worth getting that in writing if it is the justification for that ridiculous quote.

It's so galling as they punish the very people who look after their car. I've no doubt I'll get another 100k out of it. It's been a well maintained car even before I got it (have the full garage service history) and never missed an oil change or fail an NCT

Even worse Puma heard it was 10 years!

The Guvnor

punisher5112 wrote: »

Car industry does well and also could be well worth looking into EV as many could change over and save a fortune.

EV? Electric Vehicle?

punisher5112

The Guvnor wrote: »

EV? Electric Vehicle?

Correct.

There are extremely cheap policies and quotes to those with them.

Save a fortune on fuel, tax and it really will take off with new larger battery releases next year.

ShadowHearth

I changed my car and policy.

Alfa gt 04" 1.9 jtdm - cheapest third party, which does not even includes windscreen cover - 1060eu. Renewal went up from 1000eu this year and still cheapest I could get.

Bought Seat ibiza cupra 1.8t 192hp 2017 and changed cover to fully comp for obviuos reasons. Extra 20eu, thats on policy that I took april 28th. Not bad, but I am pretty sure my insurance is so high due to Limerick city.

masterboy123

Whats your age and experience ? NCB?

ShadowHearth wrote: »

I changed my car and policy.

Alfa gt 04" 1.9 jtdm - cheapest third party, which does not even includes windscreen cover - 1060eu. Renewal went up from 1000eu this year and still cheapest I could get.

Bought Seat ibiza cupra 1.8t 192hp 2017 and changed cover to fully comp for obviuos reasons. Extra 20eu, thats on policy that I took april 28th. Not bad, but I am pretty sure my insurance is so high due to Limerick city.

ShadowHearth

masterboy123 wrote: »

Whats your age and experience ? NCB?

Sorry, forgot.

Age: 31
Ncb: 9
Driving licence: 13 years.

lollsangel

Driving a 1.6 ford mondeo 2011
Full license
35 years old
Last year over 1100 euro full comp
This year 782 full comp

My 2nd driver passed his test . Received a renewal quote for 1163 so went shopping around

Kintarō Hattori

Last year 2005 Fiat Panda and 0 NCB as I had just passed my test - €1024 with Kenco through Chill. Edited to add that I was 39 last year getting this quote.

This year with a 1 year NCB and having changed to a 2012 Fiat 500:

Chill - €800
FBD - wouldn't quote
AIB - nearly €1000
Aviva - €1215.36
Glennon - €571.10 (never heard of them but saw Fuzyfuzy mention them) - added my partner too.

With a new baby in the house I don't have loads of time to chase companies and I can't imagine it getting better than Glennon, so I've gone with them.

TeaBagMania

Kintarō Hattori;103722532Last year 2005 Fiat Panda and 0 NCB as I had just passed my test - €1024 with Kenco through Chill

Im surprised you received such a low premium with zero NCB and an eleven year old car, well done
Been trying to make heads or tails out of how these premiums are calculated and it seems one of the deciding factors is location, should we add a location field to future quote\renewal posts?
Is the Dubliner paying more than the country bumkin or vise versa?

368100

TeaBagMania wrote: »

Im surprised you received such a low premium with zero NCB and an eleven year old car, well done
Been trying to make heads or tails out of how these premiums are calculated and it seems one of the deciding factors is location, should we add a location field to future quote\renewal posts?
Is the Dubliner paying more than the country bumkin or vise versa?

Ahh...those damn country bumkins ;-)

Kintarō Hattori

TeaBagMania wrote: »

Im surprised you received such a low premium with zero NCB and an eleven year old car, well done
Been trying to make heads or tails out of how these premiums are calculated and it seems one of the deciding factors is location, should we add a location field to future quote\renewal posts?
Is the Dubliner paying more than the country bumkin or vise versa?

I am actually based in Dublin and the car is classed as being on street as I have no driveway. Had I kept the same car the quote this year was €715...but it seems the 500 is classed higher than the Panda.

Murt102

Age: 20
Gender: Male
Car: 2008 Volkswagen Golf 1.9 TDI
NCD: 2 Year in my own name, 1 year previous as additional driver (3yrs total)
Licence: 2 Year Full Licence, 1 year provisional (3 yrs total)
Penalty Points: 0
Cover: TPFT

Current insurer: Liberty
Last Year: €1,308 (on a '06 Passat 1.9tdi)
This year: €978

Only got my renewal today so I haven't done any shopping around, doubt I'll get any better than that!

dudara

Age: 38
Gender: Female
Car: 2013 BMW 320d M-Sport
NCB: 10+ years
Licence: Full Irish
Penalty Points: 0
Cover: Comprehensive
Other: My named driver has 3 penalty points for speeding. I also need Class I coverage for work.

Current insurer: 123.ie via RSA
Last year €670
This year: €603, revised to €670 when advised of the penalty points

So holding steady. I tried a few other insurers and I was quoted prices up to €1k, which is insanity. I am also checking with Bank of Ireland now as I am a customer and can avail of discounts.

Skatedude

Age: 45
Gender: Male
Car: 1997 BMW 840 4.4L
NCB: 5 years
Licence: Full Irish
Penalty Points: 0
Cover: Comprehensive
Other: My mother is named driver
Limitations Classic policy so millage limit of 6000 miles a year.

Current insurer: AIG
Last year ?400
This year: ?450

Skatedude

My mothers renewal.
Age: 64
Gender: Female
Car: 05 BMW z4 2.2L
NCB: 4 years
Licence: Full Irish
Penalty Points: 0
Cover: Comprehensive
Other: son is named driver


Current insurer: AXA
Last year ?2350
This year: ?1090 better, but was paying 650 3 years ago

wotzgoingon

Skatedude wrote: »

My mothers renewal.
Age: 64
Gender: Female
Car: 05 BMW z4 2.2L
NCB: 4 years
Licence: Full Irish
Penalty Points: 0
Cover: Comprehensive
Other: son is named driver


Current insurer: AXA
Last year ?2350
This year: ?1090 better, but was paying 650 3 years ago

Wow, what the hell your mother was paying 2350 euro for insurance last year. Could she not find any where cheaper that seems excessive.

Skatedude

wotzgoingon wrote: »

Wow, what the hell your mother was paying 2350 euro for insurance last year. Could she not find any where cheaper that seems excessive.

The 2350 was by far the cheapest of the few that would even quote, most were over 3 grand.
The usual excuse that the car is now over10 years old and therefore now going to be used by my 64 year old mother to stage a crash for cash claim.

Its an 05d z4 bought nearly new and has less then 40000 miles on it driven by a 64 year old retired bookkeeper, so obviously very high risk.

But at least it's coming down again,

inna981

Mothers insurance:
Age: 56
Gender: Female
Car: 2013 Peugeot 308 1.6 HDi
NCB: 9+
Years Driving: ~30
Licence: Full Irish
Penalty Points: 0
Cover: Comprehensive

2015: ~550 with Axa
2016: ~700 with Aviva


Renewal with Aviva is @ 742
123.ie 1213
BOI 442 Best so far!

Most around 700-800 mark

johndaman66

wotzgoingon wrote: »

Wow, what the hell your mother was paying 2350 euro for insurance last year. Could she not find any where cheaper that seems excessive.

What's really coming against her is the car being a convertible. A lot of providers wont quote for convertibles at all. She is unfortunate that the quote she did get was excessive on the face of it given the other particulars.


I have a Toyota MR-S I did manage to put on the road once for a reasonably affordable premium but its laid up since as any quotes I do manage to get for it are off the charts.

Skatedude

johndaman66 wrote: »

What's really coming against her is the car being a convertible. A lot of providers wont quote for convertibles at all. She is unfortunate that the quote she did get was excessive on the face of it given the other particulars.


I have a Toyota MR-S I did manage to put on the road once for a reasonably affordable premium but its laid up since as any quotes I do manage to get for it are off the charts.

Yes, but it's always been a convertible and was insurable for the first 10 years for app 600 a year.

wonski

Recently changed from 2001 2.0 supercharged coupe to 2005 1.8 petrol Volvo. 150 euro additional premium for a policy that started in March. Looks like I am more likely to crash the Volvo, 25% more likely

obi604

Bloody annoyed here

Age: 38
Gender: Male
Car: 2006 BMW 523i Automatic
NCB: 14 years
Licence: Full Irish
Penalty Points: 0
Cover: Comprehensive with no claims bonus protect
Value: 3500 Euro
Other: My wife is named driver. Car parked in a driveway in a good area.


Year before last: 470
Last year: 720

This years initial quote back from Insurance company : 1075

Scandalous, my insurance has more than doubled in 2 years. same car, less penalty points etc.

going to do my usual now and go check all insurance companies.

Should I target any specific companies?
Wonder should I just go third party fire and theft or does it even matter these days?

rocky

TPFT for me on a similar car was 460 in January with Post Insurance (brokers for AIG). I also got competitive quotes from Bank of Ireland.

obi604

rocky wrote: »

TPFT for me on a similar car was 460 in January with Post Insurance (brokers for AIG). I also got competitive quotes from Bank of Ireland.

thanks.

Did you have the no claims bonus protection?

At what value should the car be to consider getting fully comp ?

ELM327

obi604 wrote: »

thanks.

Did you have the no claims bonus protection?

At what value should the car be to consider getting fully comp ?

I find especially with some brokers that on lower value cars it was cheaper to get fully comp than 3rd party.

obi604

rocky wrote: »

TPFT for me on a similar car was 460 in January with Post Insurance (brokers for AIG). I also got competitive quotes from Bank of Ireland.

thanks. post coming in way cheaper. Bank of Ireland is way dearer.

rocky

obi604 wrote: »

thanks.

Did you have the no claims bonus protection?

At what value should the car be to consider getting fully comp ?

NCB 7 years, 39 years old.

I've always gone for TPFT, passengers are covered anyway and if I have an at-fault crash - depending on the value - I'll probably try avoiding going through insurance.

obi604

rocky wrote: »

NCB 7 years, 39 years old.

I've always gone for TPFT, passengers are covered anyway and if I have an at-fault crash - depending on the value - I'll probably try avoiding going through insurance.

Mmm, am undecided whether to do fully comp or their party. My car worth max 4000 euro.

cplwhisper

Easy way to decide if comp cover is worth it

Can u afford to pay to replace your existing car less the policy excess today then maybe u don't need comp

If u can't afford them pay the extra for comp !!

Odyssey 2005

Age. 54
Male
Ncb .. 10 +
Skoda superb 09 2.0 tdi
Fully comp +full bonus protect.
€360.
Aviva
Happy out.

Son
Age 19
Male
Ncb 1 year
Full licence
06 Ibiza 1.2
Fully comp
€770
Aviva


Even happier.

frozenfrozen

next year will you ring for my insurance?

inforfun

Odyssey 2005 wrote: »

Age. 54
Male
Ncb .. 10 +
Skoda superb 09 2.0 tdi
Fully comp +full bonus protect.
?360.
Aviva
Happy out.

Son
Age 19
Male
Ncb 1 year
Full licence
06 Ibiza 1.2
Fully comp
?770
Aviva


Even happier.

You have dirt on them, havent you?

Although i have to say, last year Aviva would have been my choice as well if i hadnt been banking with BOI. Extra discount for that brought BOI's quote below the Aviva quote i had.
Stayed with BOI despite an increase this year as it was still lower than Aviva's last year.

Odyssey 2005

inforfun wrote: »

You have dirt on them, havent you?

Although i have to say, last year Aviva would have been my choice as well if i hadnt been banking with BOI. Extra discount for that brought BOI's quote below the Aviva quote i had.
Stayed with BOI despite an increase this year as it was still lower than Aviva's last year.

I just played by their rules. Got the lessons for the young lad through them and insured him with them last year,€825 fully comp. €770 this year,can't believe it myself.

I have to stay with BOI this year.

Got a renewal for e745 up from e495.

Tried everyone and best was 25plus which was similar but possibly without Step Back protection so not worth it.

Others were generally e1000+.

The issue is my car, 02 Corolla.

I quoted an 08 Corsa last night(granted its 1.2 over a 1.4) but it would cost me e300 less.

Will look to change my car over the next year... older cars are just been forced off the road big time these days.

368100

Anybody seeing reductions in quotes due to the setanta insurance ruling? Are we likely to see it?

wonski

368100 wrote: »

Anybody seeing reductions in quotes due to the setanta insurance ruling? Are we likely to see it?

Reductions:eek:

No.

Buckley710

Your Age: 20
Car type and engine: 2004 Audi A4, 1.6
years driving: 3 (Named Driver for all)
any claims: No
Price and provider: €2039 Fully Comp. through Broker with KennCo (First 'own' insurance policy)

Allianz quoted €5500 for fully comp. and €2250 3rd Party Fire & Theft (Including the ability to drive other cars with 3rd Party cover)

Liam McPoyle

368100 wrote: »

Anybody seeing reductions in quotes due to the setanta insurance ruling? Are we likely to see it?

The emerging trend I've seen with the company I work for is that for claims free drivers with cars less than 10 years old there are very little increases on last year, around 3 to 4%.

The market isn't in a place for reductions just yet but we are at the top of the cycle in a hard market, things will soften and prices will come down in the next 24 months.

I don't expect them to ever reach (and I hope they never do) the frankly stupid levels they were at 7 or 8 years ago but people should see a positive change.

NeilMcGrane

Buckley710 wrote: »

Your Age: 20
Car type and engine: 2004 Audi A4, 1.6
years driving: 3 (Named Driver for all)
any claims: No
Price and provider: €2039 Fully Comp. through Broker with KennCo (First 'own' insurance policy)

Looks like I'll be giving them a call for my "First 'own' insurance policy". I wonder would I get a similar quote having only one year named experience, but on a smaller engine...

Buckley710

NeilMcGrane wrote: »

Looks like I'll be giving them a call for my "First 'own' insurance policy". I wonder would I get a similar quote having only one year named experience, but on a smaller engine...

Id honestly recommend going through brokers if you're under 21, I got the above quote through MIG (McCarthy insurance group)

If the car is relatively new then insurance will be kind, every insurance policy crucifies older cars but small engines defiantly help a good bit

rizzee

26
08 318d
7 years full license
Will be 6 years no claims next month

Currently paying 46 a month inc. Direct debit fees for tpft with liberty.

Renewal - 928 euro (!!!) Including debit charges or 838 all at once.

Checked other companies and ranged from 1050 - 3000 tpft.

Checked liberty online again and put in the quote as if I was a new customer and all the exact same details as I have now.... 568 euro (full payment) tpft or 106 1st month and 46.xx a month after... how could this be? Will be ringing them tomorrow to try explain. And I'll be taking that.

Edit- when I got the initial quote in the post I rang them up and asked why. They asked ``have you not read the papers about the increases`` !

Edit 2 - rang again today and gave the online quote. Matched up all my details and added on the no claims protection and windscreen cover too. 649 full payment or monthly for 698 total.

Double check your own insurance companies online folks. Saved me over 200e.

kerten

Age: 36
Gender: Male
Car: 2005 Ford Focus 1.6 Automatic Ghia
NCB: 8 years
Years Driving: ~16
Licence: Full Irish
Penalty Points: 0
Cover: Comprehensive+ NCB protection
Named Driver : 36 years old female with no points/full license

Last year was 650 euro AIG via FirstIreland
Renewal : 950 from AIG and 770 from Allianz

I didn't check others yet but I don't see it is getting better with a 12 years old car. Still cheaper than replace at least.

iguot edgar

kerten wrote: »

Age: 36
Gender: Male
Car: 2005 Ford Focus 1.6 Automatic Ghia
NCB: 8 years
Years Driving: ~16
Licence: Full Irish
Penalty Points: 0
Cover: Comprehensive+ NCB protection
Named Driver : 36 years old female with no points/full license

Last year was 650 euro AIG via FirstIreland
Renewal : 950 from AIG and 770 from Allianz

I didn't check others yet but I don't see it is getting better with a 12 years old car. Still cheaper than replace at least.

Try aviva

bigboss1986

Age: 31
Gender: Male
Car: 2005 Almera 1.5
NCB: 9+ years
Years Driving: 12
Licence: Full Irish
Penalty Points: 3
Cover: Comprehensive( driving other cars needed) or TPFT+windscreen
Named Driver : 31 years old female with no points/full license

Last year 645e

Renewal from Allianz came at 597e for fully comp+brakedown+windscreen and driving other cars .TPFT+ same perks came only 14euro cheaper :eek:

BoI Ireland 2235 (WTF :eek::eek::eek:)
Aviva 728e if paid in one go or 966(wtf??) monthly
Axa 880
Liberty 1011
25 plus 668
Chill broker 841
AIG 951
FBD wont quote.


I will try few more tomorrow but I doubt I will get cheaper anywhere.
I have also noticed that all big insurers change NCB scale to charge us more.Now its 9+ years to get maximum bonus.With 5years its only 35%!!!Fecking cnuts!

Edit:
Few more quotes over the phone
123.ie 887
AA 952
Blue (KennCo) 982
For women 695

vandriver

bigboss1986 wrote: »

I have also noticed that all big insurers change NCB scale to charge us more.Now its 9+ years to get maximum bonus.With 5years its only 35%!!!Fecking cnuts!

RSA have a 5 year /50% scale