Car insurance - tell us your quotes/renewals

SeaFields

Age: 35
Gender: Male
Car: 2005 Honda Accord
NCB: 8 years
Licence: Full Irish
Penalty Points: 0
Cover: Fully comp with step back
Named Driver : 36 years old wife with no points/full license

Last year: 462
Renewal: 645

Emailed them and asked why it had increased near on 50% with no claims. They reduced it to 606

Got some huge quotes up to 1500 last night from a variety of the main providers online.

Aviva quoted 537 (with multicar discount). I'll ask Allianz to match that and if they don't I'll renew with Aviva I'd say. Can't see myself doing much better after the quotes I have received so far.

PBWXFORD

Renewed my Insurance this year with Liberty, details are:

Car: 2012 Vauxhall Insignia 2.0 CDTI 160

Cover: Fully Comp with protected NCB

Age 34

Licence: Full 8 years

NCB: 8 years

Convictions on licence: 9 endorsements

Price: €574

Price last year: €630

Named drivers: Partner, 34, Full clean licence



Also got a quote on my other car but ended up just insuring the Insignia above

Car: 2007 Peugeot 207 GTI

Cover: Fully comp with protected NCB

Price: €352


My insurance has never risen once, ever!! It has dropped or stayed the same every single year and i cant understand it because everyone i know has had their insurance hike up and are paying way more than me with lean licences and longer NCB on similar and even less powerd cars :O

boardsuser1

PBWXFORD wrote: »

Renewed my Insurance this year with Liberty, details are:

Car: 2012 Vauxhall Insignia 2.0 CDTI 160

Cover: Fully Comp with protected NCB

Age 34

Licence: Full 8 years

NCB: 8 years

Convictions on licence: 9 endorsements

Price: €574

Price last year: €630

Named drivers: Partner, 34, Full clean licence



Also got a quote on my other car but ended up just insuring the Insignia above

Car: 2007 Peugeot 207 GTI

Cover: Fully comp with protected NCB

Price: €352


My insurance has never risen once, ever!! It has dropped or stayed the same every single year and i cant understand it because everyone i know has had their insurance hike up and are paying way more than me with lean licences and longer NCB on similar and even less powerd cars :O

What in the name of fcuking christ :eek:

rizzee

PBWXFORD wrote: »

Renewed my Insurance this year with Liberty, details are:

Car: 2012 Vauxhall Insignia 2.0 CDTI 160

Cover: Fully Comp with protected NCB

Age 34

Licence: Full 8 years

NCB: 8 years

Convictions on licence: 9 endorsements

Price: €574

Price last year: €630

Named drivers: Partner, 34, Full clean licence



Also got a quote on my other car but ended up just insuring the Insignia above

Car: 2007 Peugeot 207 GTI

Cover: Fully comp with protected NCB

Price: €352


My insurance has never risen once, ever!! It has dropped or stayed the same every single year and i cant understand it because everyone i know has had their insurance hike up and are paying way more than me with lean licences and longer NCB on similar and even less powerd cars :O

Mine was the same until this year up around 200. Mad the way it works!!

wotzgoingon

KC161 wrote: »

What in the name of fcuking christ :eek:

He paid far less than me last year and this year and I have a clean licence.

boardsuser1

wotzgoingon wrote: »

He paid far less than me last year and this year and I have a clean licence.

Thats 2 of us.

Some serious head scratching going on here.

PBWXFORD

Who are both of ye insured with? I'm with Liberty and that's where I always get the cheapest quote hence why ive always stayed with them! Also when I had just got my license back after being banned they were the only company who would insure me at that time!

wotzgoingon

PBWXFORD wrote: »

Who are both of ye insured with? I'm with Liberty and that's where I always get the cheapest quote hence why ive always stayed with them! Also when I had just got my license back after being banned they were the only company who would insure me at that time!

I'm with 123.ie
Last year I had a 2 litre turbo petrol a Subaru Imprza WRX may have a reason why it is expensive. Then this year I have a Toyota Levin BZR. but it was first insured as WRX and changed car during the insurance year.

I also tried a few fake quotes on the BZR and in and around the €1000 figure is what I am getting. But hardly anybody will in sure that BZR as it is a 1998 Jap Import.

PBWXFORD

wotzgoingon wrote: »

I'm with 123.ie
Last year I had a 2 litre turbo petrol a Subaru Imprza WRX may have a reason why it is expensive. Then this year I have a Toyota Levin BZR. but it was first insured as WRX and changed car during the insurance year.

I also tried a few fake quotes on the BZR and in and around the €1000 figure is what I am getting. But hardly anybody will in sure that BZR as it is a 1998 Jap Import.

Did you try Liberty? My friend who's 27 had a 98 BZR insured with them for the past few years and his renewal on it this year was €660 as far as I remember.

I also had a 94 Celica GT4 insured with them back in 2015 which I swapped insurance from a Vectra CDTI that was €460 for the year and there was no increase in the premium which had only started in Feb on the Vectra and I changed over in March

wotzgoingon

PBWXFORD wrote: »

Did you try Liberty? My friend who's 27 had a 98 BZR insured with them for the past few years and his renewal on it this year was €660 as far as I remember.

I also had a 94 Celica GT4 insured with them back in 2015 which I swapped insurance from a Vectra CDTI that was €460 for the year and there was no increase in the premium which had only started in Feb on the Vectra and I changed over in March

I just tried Liberty there for the craic and it came at €1500 TPFT.

32, 5 years NCB

vandriver

PBWXFORD wrote: »

Did you try Liberty? My friend who's 27 had a 98 BZR insured with them for the past few years and his renewal on it this year was €660 as far as I remember.

I also had a 94 Celica GT4 insured with them back in 2015 which I swapped insurance from a Vectra CDTI that was €460 for the year and there was no increase in the premium which had only started in Feb on the Vectra and I changed over in March

Liberty wanted 1.5k off me and I'm 50 with full NCB and no claims ever driving a 1.6 diesel.
I'm baffled.

PBWXFORD

wotzgoingon wrote: »

I just tried Liberty there for the craic and it came at €1500 TPFT.

32, 5 years NCB

Jasus that's more than double his! Do you have anyone as named driver under you? When I started off after getting my license back I put the girlfriend as named driver and it knocked aprox €800 off, and she's been on it since

PBWXFORD

vandriver wrote: »

Liberty wanted 1.5k off me and I'm 50 with full NCB and no claims ever driving a 1.6 diesel.
I'm baffled.

I can't understand that! My Insignia that is currently insured is a 2.0 diesel 160bhp and is €574 fully comp with protected NCB

wotzgoingon

PBWXFORD wrote: »

Jasus that's more than double his! Do you have anyone as named driver under you? When I started off after getting my license back I put the girlfriend as named driver and it knocked aprox €800 off, and she's been on it since

Nobody as a named driver. I do not understand how the insurance company figure having somebody as a named driver will lower your premium.

Surely it is more of a risk having an extra driver.

PBWXFORD

wotzgoingon wrote: »

Nobody as a named driver. I do not understand how the insurance company figure having somebody as a named driver will lower your premium.

Surely it is more of a risk having an extra driver.

I know I can't understand either but it does work, you should do a quote with a named driver and see what happens 😉

rizzee

I have both parents and the girlfriend as named drivers. Was a 50% drop since i added my parents 3/4 years ago and was no change to out herself on it this year.

vandriver

vandriver wrote: »

Liberty wanted 1.5k off me and I'm 50 with full NCB and no claims ever driving a 1.6 diesel.
I'm baffled.

That was last year!
Third party fire and theft......1843

bigboss1986

bigboss1986 wrote: »

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

Did online quote with Allianz as new customer and I got 499euro(or 12x45e) for fully comp,full bonus protection,windscreen and driving other cars.Called them and they match that quote :D:D.100e saved with one phone call
Paid them 499.37 with my debid card as direct debit was to expensive

mattser

Anyone try 25 Plus.ie ?

rizzee

mattser wrote: »

Anyone try 25 Plus.ie ?

Yeah, over 500 more than my renewal quote...

Ninjavampire

I'd love to see someone do a regression on the data in this thread over the last year or so. It seems like they decide premiums based on a lucky dip system.

wonski

If there was a graph to be presented it would look like that :

Nocrac

Female, 30s, spouse (30s) would be named driver, both with no claims, no penalty points, 12 years full licence for me, 17 years for him; standard hatch back (2015) worth approx. €20k:

Its 4 Women 525.39
Allianz 572.08 (renewal quote - last year was approx. 150e less)
Chill - Invernia 736
123.ie 912.89
AA 820.88
Axa 855.36
Britton 803.42
Aviva 590.67
FBD 689.36
Liberty 904.09
Glennon 828.6
25plus 535.25
BOI 875.07
Awaiting call back from Quote Devil

Planning to call 25plus; Aviva and Allianz to see if they can better the Its for Women quote.

368100

http://www.independent.ie/business/personal-finance/raids-on-main-motor-insurance-providers-over-alleged-cartel-activity-35893446.html

wotzgoingon

368100 wrote: »

http://www.independent.ie/business/personal-finance/raids-on-main-motor-insurance-providers-over-alleged-cartel-activity-35893446.html

I had to double check what source I was reading. After reading the first few lines I thought I was reading Waterford Whispers News.

Healio

Age:31
Gender: Male
Car: 2003 Audi A3 1.6
Years driving: 11
License: Full Irish
Penalty Points: 0
claims: 0 Lifetime
Cover: Comprehensive - AIG €782


Broker over the last few years:
2017: 782 (29.9% increase - AIG)
2016: 602 (40% increase - AIG)
2015: 430 (New to AIG - 24% decrease)
2014: 570 (first policy on this car - Allianz)

Having read through this thread, I'm not too disappointed all the same.

dasa29

Gender. Male
Age. 41
Licence. 8 years, full
NCB. 8 years+
Car. 2001 Yaris 1.0
Claims: 0
Points. 0

AXA-
€644.01 renewal fully comp (including Protected NCD)
€568.21 Last year
€500 - 2015

mattser

wotzgoingon wrote: »

I had to double check what source I was reading. After reading the first few lines I thought I was reading Waterford Whispers News.

You might as well have been.

Liam McPoyle

I had an interesting conversation during the week.

A guy wrote in about his policy and the hike in premiums.

He has been with our company since 02 so it gave a brilliant insight into the prices of the last 15 years.

He is over 50, full licence and no claims.

Driving a mid range saloon car.

When he joined our company in 02 he had full licence and full NCD.

He paid €1220 for comp.

The following year around €1100.

Then around €1000.

The premiums kept reducing year on year until they reached €440 towards the end of the 00s.

Since then they have increased year on year and his premium this year is €850.

It was an interesting exercise because for nearly half the time he was with us he paid more than his renewal this year.

He was flabbergasted to hear what he had paid for the first 4 or 5 years and didn't believe me until i sent him the schedules for each year.

The point is that people seem to forget that in the not too distant past many of them were paying substantially more than they are now.

Consumers got spoiled by the ludicrous prices perpetuated by the likes of 123, Quinn and Setanta so in reality, what alot of people are paying nowadays is actually fairly keen when you factor in pricing over the last 20 years.

boardsuser1

Rod Munch wrote: »

I had an interesting conversation during the week.

A guy wrote in about his policy and the hike in premiums.

He has been with our company since 02 so it gave a brilliant insight into the prices of the last 15 years.

He is over 50, full licence and no claims.

Driving a mid range saloon car.

When he joined our company in 02 he had full licence and full NCD.

He paid €1220 for comp.

The following year around €1100.

Then around €1000.

The premiums kept reducing year on year until they reached €440 towards the end of the 00s.

Since then they have increased year on year and his premium this year is €850.

It was an interesting exercise because for nearly half the time he was with us he paid more than his renewal this year.

He was flabbergasted to hear what he had paid for the first 4 or 5 years and didn't believe me until i sent him the schedules for each year.

The point is that people seem to forget that in the not too distant past many of them were paying substantially more than they are now.

Consumers got spoiled by the ludicrous prices perpetuated by the likes of 123, Quinn and Setanta so in reality, what alot of people are paying nowadays is actually fairly keen when you factor in pricing over the last 20 years.

My first premium was on a 1.2 Fist Brava in 2005, cost €2100 TPFT.

Fast forward to 20-17 and I now drive a 2013 Ford Galaxy 2.0 diesel, cost €1000 fully Comprehensive.

Cheapest ever was in 2015, €550 fully comprehensive on a 2001 Renault megane 1.4 petrol.


I've a full licence 10 years & 9 years NCD.

My occupation at the beginning of my driving career was security, i never actually changed it even though I'm now a casual commercial driver.


Prior to getting the Galaxy my renewal this year was €800 and increased by €200 when I changed recently.

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.

BTW. Wife drives my car also a few days a week. Audi A3 2007. I see on her renewal letter it states:
Comprehensive driving of other cars, the cover will only apply if the private car being driven does not belong to your partner unless a current certificate of motor insurance has been issued and remains in force in such car.

Could anyone explain that in plain English?

BionicRasher wrote: »

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!

Just got my renewal
its actually down €110 from last years quote

Your Age: 46
Car type and engine: 2007 Audi A3 1.6 Automatic
years driving: 27
any claims: about 9 years ago 1 claim.
Price and provider: 467 Allianz through AA. Step back bonus protection.

Happy days - dont know if they made a mistake as car is 10 yrs old and price has dropped from last year by €110 so I jumped on it and renewed online

JamboMac

What's the legality of over pricing your car, I initially valued it at 1500 and quote was 1500, so I increased its value to 5000 and quote went down to 1000 and then I increased it to 10,000 this resulted in 954.

Gonna be some fun when I need to insure myself in a months time on 16 year old car.

boardsuser1

JamboMac wrote: »

What's the legality of over pricing your car, I initially valued it at 1500 and quote was 1500, so I increased its value to 5000 and quote went down to 1000 and then I increased it to 10,000 this resulted in 954.

Gonna be some fun when I need to insure myself in a months time on 16 year old car.

You can value it at whatever you want, they'll only pay the current market value of it if the insurer replaces it.

JamboMac

KC161 wrote: »

You can value it at whatever you want, they'll only pay the current market value of it if the insurer replaces it.

Totally understand the payout thing, which would never be claimed anyway, but the value seems to have a large effect on the algorithm.

boardsuser1

JamboMac wrote: »

Totally understand the payout thing, which would never be claimed anyway, but the value seems to have a large effect on the algorithm.

In my own case recently which i highlighted on this thread (i think).

I changed from a 2009 worth €8000 to a 2013 worth €21000, my insurance went up by €200.

A 2014 worth €17000 i was also looking at would have reduced my insurance by €80.

I lack understanding on the figures and where they come from.

In saying that, an administrative charge applied with me, it never did until this year.

Have you that issue?

JamboMac

KC161 wrote: »

In my own case recently which i highlighted on this thread (i think).

I changed from a 2009 worth €8000 to a 2013 worth €21000, my insurance went up by €200.

A 2014 worth €17000 i was also looking at would have reduced my insurance by €80.

I lack understanding on the figures and where they come from.

In saying that, an administrative charge applied with me, it never did until this year.

Have you that issue?

No the quote is direct from liberty, no admin charges all I did was change the value of my car everything else identical.

boardsuser1

JamboMac wrote: »

No the quote is direct from liberty, no admin charges all I did was change the value of my car everything else identical.

Rod Munch is probably the man who can answer why the prices vary due to vehicle values.

Hopefully the recent raids will bring prices down a bit.

marklazarcovic

renewal in the door

last year

08 vectra 150 hp no alarm , value 3500, cover for 620 euro ,fully comp

43 , max no claims,no points, never a claim

transferred to a civic last week . 07 reg . 1.8 petrol , 140 hp, alarm, no change in policy, value 2500.

renewal in the door , 931 euros lol

1st place i rang ,allianz .. quote for 568 euro, fully comp

rang back original insurer to see would they match, came down 80 quid.

some difference and some jump to begin wit.

Hermy

Just off the phone with Chill Insurance

In my 40's, no claims, 3 points

2001 1.6 Toyota Avensis

Last year €508

This year €1000!

JamboMac

Hermy wrote: »

Just off the phone with Chill Insurance

In my 40's, no claims, 3 points

2001 1.6 Toyota Avensis

Last year €508

This year €1000!

Do an online quote you'll do better yourself, chill are terrible.

Mc-BigE

Your Age:46 male 0 points
Car type and engine: 152 BMW 114D SE 5 DR
years driving:26
any claims:1 claim 4 years ago with NCB step back, so i have in theory 7 years NCB,
Price and provider:currently AIG (S.V.) and 561 renewal

i thought the above was pretty good, but decided to ring around.

Nothing cheaper for me.

But when i tried allianz.ie online , they said to ring them, and didn't give a reason for not giving me a new online quote.

when i rang them, once i said i had a claim in 2013 (4 years ago) they refuse to even give me a 3000 euro quote or something like that.

So because they have done that ( and its recorded on the phone) must i mention this to other insurance companies while trying to get a quote? (that i have been refused an insurance quote).

If this is the case, my insurance premiums are only going to go one way- up

LaVail

Age: 33
Gender: Male
Car: 2004 VW Passatt 130 Highline
NCB: 4 years
Years Driving: 12
Licence: Full Irish
Penalty Points: 0
Cover: 3rd Party Fire and Theft
Named Driver : 59 years old female with no points/full license

Last year €900 123.ie

123.ie - €1492.00
Chill - €1197.00
Blue Insurance - €1238.00
Harper Dolan - €1250.00
AXA - €1044.00
Cover in a click - €1045.00
25 Plus - €1322.00
Zurich - €1470.00
Allianz - €1185.00
Glennon - €1040.00
Mc Carthy Insurance - €1033.00
Creane and Creane - €830 - Comprehensive - All others Fire and Theft
O'Maley Griffen - €795 Comprehensive (Will settle on this)

Delighted I took the time to shop around even though it took hours. I didn't think I was going to get it below €1k but delighted in the end even though I'll still be paying €800

Left out about 5 insurers who were over €2k

Also decided to go back to 123's website and get an online quote and it came in at just over €1000 after the hoors giving me a renewal quote of €1492 over the phone...Chancers!!

StonedRaider

40 yr old female
Full license
9yrs ncb
0 points
09 1.6hdi 7 seater
Husband named driver,same age,full license,5 points

AIG via 25+ last year €480 fully comp,top of the range cover.
Volunteer excess €750
Compulsory excess €300
Renewal came in €550.

Overall quotes coming in @ apprx €800-€1050 for similar cover bar Aaron insurance brokers in Dublin that matched my renewal.

Rang 25+ back to negotiate and got premium down with €35 voucher plus volunteer excess now is €0

Quite happy with €512 with €300 excess. Top of the range fully comp cover

Hermy

JamboMac wrote: »

Do an online quote you'll do better yourself, chill are terrible.

They were the best I could find last year.

Any suggestions where on line I might do better this time around?:(

JamboMac

Hermy wrote: »

They were the best I could find last year.

Any suggestions where on line I might do better this time around?:(

AA and bank of Ireland, especially if you have a bank account both these came in 300 cheaper then chill for my dad as he recently had a claim, also AXA.

Hermy

Thanks Jambo - I'll look into those.

They've since improved by about €250 but still crazy money given no material change since last year.

kenyard

check the previous posts to see who others are using..
I was hoping the investigations by EU into insurance companies here would drive down the prices but no go.

I checked this thread as Im due up in September. I was surprised at the quotes and happy then i realised i was on page 1
how times have changed...

NeilMcGrane

Just said I'd post this quote for a laugh.

Your Age: 21
Car type and engine: 2006 MG ZR 1.4
Years driving: 11 months
Any claims: No
Price and provider: ARB Private Motor €7,022.32 Third Party, Fire & Theft

Anyway, back to reality... I've received many quotes between €2,700 - €3,000 from different insurers. I don't need it until next month, so I'll shop around more until then. This will be my first own policy, after one year named driver experience.

rizzee

NeilMcGrane wrote: »

Just said I'd post this quote for a laugh.

Your Age: 21
Car type and engine: 2006 MG ZR 1.4
Years driving: 11 months
Any claims: No
Price and provider: ARB Private Motor €7,022.32 Third Party, Fire & Theft

Anyway, back to reality... I've received many quotes between €2,700 - €3,000 from different insurers. I don't need it until next month, so I'll shop around more until then. This will be my first own policy, after one year named driver experience.

Check Liberty and stick the parents on the policy.

SureYWouldntYa

rizzee wrote: »

Check Liberty and stick the parents on the policy.

I've played around online with most of the insurance providers, never checked Liberty though and was always getting mad quotes with other providers. Checked a car like Neil with a reg I got from donedeal and it was 1900 coming down to 1400 when both parents were added and I'm 22M with 1 years named same as the Neil with the 1 years named bringing it way down from over 3000.

Maybe Liberty know something the rest don't