Car insurance - tell us your quotes/renewals

NeilMcGrane

I just tried Liberty and got a quote of €2,800~ with my correct details. When I changed my occupation from sales assistant to student, it dropped to €2,500~, then to a further €2,300~ when I put in accountant. I don't think my address helps the quote either as my area is quite prone to being on the news

Either I need to get a new job soon or move house

Cork Truck Driver

Cork Truck Driver 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?

obi604

obi604 wrote: »

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?

Just an update, got my insurance in the end for 650 Euro with an post insurance.
fully Comp with protection of no claims bonus, personal belongings and a few more bells and whisteles.
relatively happy with it.

others quotes got for same car etc were:

its4women: 803
25plus: 855
bank of ireland: 1586
aib: 1067
no nonsense: 1142
allianz: 681
123.ie: 893


How there can be such a variance in prices is just ridiculous!!

boardsuser1

[Deleted User] wrote: »

Video disabled

TeaBagMania

NeilMcGrane wrote: »

Either I need to get a new job soon or move house

Change it to Pensioner and try again

wotzgoingon

Cork Truck Driver wrote: »

[Deleted User] wrote: »

Video disabled

Click on the YouTube link and when it says video disabled click watch on YouTube.

boardsuser1

wotzgoingon wrote: »

Click on the YouTube link and when it says video disabled click watch on YouTube.

Never seen that before :pac:

rizzee

obi604 wrote: »

Just an update, got my insurance in the end for 650 Euro with an post insurance.
fully Comp with protection of no claims bonus, personal belongings and a few more bells and whisteles.
relatively happy with it.

others quotes got for same car etc were:

its4women: 803
25plus: 855
bank of ireland: 1586
aib: 1067
no nonsense: 1142
allianz: 681
123.ie: 893


How there can be such a variance in prices is just ridiculous!!

That's ridiculous, I had a 06 523i last year (at the time i would have been 25 with 5 years no claims 6 years full license) and was paying only 60 something euro per month!

Definitely luck of the draw/lottery system going on haha.

McCrack

obi604 wrote: »

Just an update, got my insurance in the end for 650 Euro with an post insurance.
fully Comp with protection of no claims bonus, personal belongings and a few more bells and whisteles.
relatively happy with it.

others quotes got for same car etc were:

its4women: 803
25plus: 855
bank of ireland: 1586
aib: 1067
no nonsense: 1142
allianz: 681
123.ie: 893


How there can be such a variance in prices is just ridiculous!!

Would you rather they all charged the same?

masterboy123

I have moved to a different city and tried updating address on my policy online, it went up by 400e. I paid 1000e initially. It's a 29 days old policy.

Is it possible to cancel policy given it's less than a month old and get the balance back? Paying 40% extra is too much to handle now, on top of other moving expenses.

What are my legal rights? Anyone been through this?

inforfun

Did you move to Raqqa?

masterboy123

In midwest

inforfun wrote: »

Did you move to Raqqa?

obi604

McCrack wrote: »

Would you rather they all charged the same?

great input :rolleyes:

I would rather if they had some kind of a standard they followed so that there a wasn't 1000 euro difference in price for essentially the same thing from a different company.

Liam McPoyle

obi604 wrote: »

great input :rolleyes:

I would rather if they had some kind of a standard they followed so that there a wasn't 1000 euro difference in price for essentially the same thing from a different company.

Insurers are constantly accused of cartel behaviour.

If all providers were priced the same then that would be cartel behaviour.

I don't know why people get so bent out of shape when quoted stupid premiums.

All it means is that there is something in your profile that they have had bad claims experience with.

It's not personal.

obi604

Rod Munch wrote: »

Insurers are constantly accused of cartel behaviour.

If all providers were priced the same then that would be cartel behaviour.

I don't know why people get so bent out of shape when quoted stupid premiums.

All it means is that there is something in your profile that they have had bad claims experience with.

It's not personal.

and sure jaysus, isnt that exactly what Motor insurance providers in Ireland have been targeted for in last few days!

https://www.irishtimes.com/news/ireland/irish-news/motor-insurance-providers-in-ireland-targeted-in-anti-cartel-inquiry-1.3142988

wonski

obi604 wrote: »

and sure jaysus, isnt that exactly what Motor insurance providers in Ireland have been targeted for in last few days!

https://www.irishtimes.com/news/ireland/irish-news/motor-insurance-providers-in-ireland-targeted-in-anti-cartel-inquiry-1.3142988

I did read a piece on that before and it was about fleet or commercial policies, also about the brokers.

I have a feeling it has nothing to do with regular Joe's insurance at all.

dodzy

Insurance up in a month.

Currently with Allianz and paid €559 last year (fully comp)

Age: 48
Car: 2.0tdi A6 (2005)
License:Full (30yrs)
Points: 0
NCB: Full

New quotes:
FBD - 1017
123.ie - 783
AIG - 1648
First Irl - 720 (Kenko)
An post - 1040

Ridiculous. Just waiting for Allianz renewal (due next week). Would take a 10-15% increase without wasting any further time on the phone.

awec

Age: 28 male
Car: 1.6 Focus TDCI (2008)
License: Full 10+ years
Points: 0
NCB: 10+ years
cover: full

Paid ~770 last year, got renewal quote of ~550. Dropped by 28%. Took out home insurance with liberty as well which will account for some of the drop but still a nice surprise to see it go down so much.

Delighted:

Have been with Its4Women for last 5 years:
last year it went up €100, this year another €100 - that's despite getting a newer version of my previous car, full no claims bonus, no other changes.

I'm up to my eyes with work so haven't a lot of time to shop around......... but got quotes from 123 and Chill which were significantly higher than Its4 Women.

Then I heard of Bank of Ireland who I didn't know did car insurance. Cheapest by far!!

Its 4 Women: €693.99 fully comp and €300 compulsory Excess
Bank of Ireland: €585.81 fully comp and €250 compulsory Excess

I'm female, 54, Co Meath, Renault Megane 1.6D, no penalty points, full licence, full No Claims Bonus.

Happy enough with that :-)

McCrack

obi604 wrote: »

great input :rolleyes:

I would rather if they had some kind of a standard they followed so that there a wasn't 1000 euro difference in price for essentially the same thing from a different company.

Well that's what happens in markets, some charge more, some charge less..if there was "some kind of standard" common amongst the insurers as you suggest then there would be anti-competition rules breached and you would have an issue with that as well.

xalot

Ok, this time of year again.
Male as main driver, female as named driver.

Gender: M

Age: 37 (Additional driver 36)

Car: 2005 Volvo S40, 1.8L

NCD: Full

Licence: Full 10+ years, no points (additional driver 6 yrs, no points)

Cover: Fully comp, protected with breakdown assistance

Best quote: €605 from AIG (existing insurer - €40 decrease on previous year). All quotes done online, waiting on an Allianz quote by phone as we have house insurance with them.

Other quotes:
An Post €604 *step back bonus protection
25+ €671 No breakdown assist
Glennon €657 No bonus protection
AXA €763
Crean & Crean €775
Supervalu €813
123 €843
First Ireland €843
BOI €875
Liberty €906
Aviva €961

jparedes

Gender: M
Age: 41
Car: 2007 Volvo C30, 1.6L
NCB: 5 Years - I never has an accident but in 2012 someone during the night burned my previous car BMW316 Compaq
License: Full UE ( Spanish) exchanged into Full Irish - 23 years of driving experience -
Points: 0

Quotes:
AXA: €1240 ( the one I took ) third party + Fire and glass protection. Before I exchanged my Full UE driving license the quote was €1900 third party.
Allianz: over €1300 and them they asked me to look elsewhere
AAA: around €1100 they wasn't able to verify my 5 years NCB because they don't share Data Base with any other Car Insurance around Europe.

I'm not going to mention the rest of Insurance Companies because they just told me NO or asked over €2500...ridiculous.

steveshort

My insurance is up next month and I received my renewal notice from chill. There looking 1145, for basic third party cover with no windscreen or break down assist.
I checked with axa their qoute 770 third party with windscreen and break down cover, or 815 fully comp.
Im well pleased with that, I was expecting to pay over the 1k mark this year

kerten

xalot wrote: »

Ok, this time of year again.
Male as main driver, female as named driver.

Gender: M

Age: 37 (Additional driver 36)

Car: 2005 Volvo S40, 1.8L

NCD: Full

Licence: Full 10+ years, no points (additional driver 6 yrs, no points)

Cover: Fully comp, protected with breakdown assistance

Best quote: €605 from AIG (existing insurer - €40 decrease on previous year). All quotes done online, waiting on an Allianz quote by phone as we have house insurance with them.

Other quotes:
An Post €604 *step back bonus protection
25+ €671 No breakdown assist
Glennon €657 No bonus protection
AXA €763
Crean & Crean €775
Supervalu €813
123 €843
First Ireland €843
BOI €875
Liberty €906
Aviva €961

Interesting that I have a 05 Focus 1.6 with similar scenario(NCB, driver age, etc) and AIG bumped me from 600 euro to 986 euro a month ago. Broker switched me to Allianz for 700 Euro.

dodzy

dodzy wrote: »

Insurance up in a month.

Currently with Allianz and paid €559 last year (fully comp)

Age: 48
Car: 2.0tdi A6 (2005)
License:Full (30yrs)
Points: 0
NCB: Full

New quotes:
FBD - 1017
123.ie - 783
AIG - 1648
First Irl - 720 (Kenko)
An post - 1040

Ridiculous. Just waiting for Allianz renewal (due next week). Would take a 10-15% increase without wasting any further time on the phone.

Well shock f**king horror, renewal just in. After the conversation last week with them and the projected 'worse case scenario' of 10-15% up, I'm looking down the barrel of a 40% hike from €559 to €781. They can go and .... ...

*Rang them and reduced it to €719.

Not a happy bunny. 3 weeks to nail something better down or just suck it up.

monkeycork

Your Age: 29
Car type and engine: 2003 Golf 1.4 petrol
years driving: 10
any claims: 0
Price and provider: Allianz fully comp €662 . renewal came in from Axa at €998

soups05

age 46
male
6 yrs plus ncb
2002 vectra 1.8
renewal came in for 960 in april but car was offroad so did not re-insure

rang today to check quote with chill (kenco) as that is who i was last insured with.

1260 a 40% increase ffs.

no more driving for me then.

boardsuser1

soups05 wrote: »

age 46
male
6 yrs plus ncb
2002 vectra 1.8
renewal came in for 960 in april but car was offroad so did not re-insure

rang today to check quote with chill (kenco) as that is who i was last insured with.

1260 a 40% increase ffs.

no more driving for me then.

The age of your car might be a problem, the whole 14 year old car thing.

Did you try the same car but with a different year of registration out of curiosity?

JtByrne

I'd say its more down to the car being off the road for a few months.
Gaps in cover usually mean higher premiums.
Call insurance companies instead of doing online quotes to explain why it as off the road.

jeffk

Your Age: 35
Car type and engine: Toyota Corolla 1.4
Years driving: 13
Any claims: no
Price and provider: 637.32,Allianz

Up from 510 last year.
Kept quotes etc from last, 123 and BOI the only ones around it, so I think ill be getting quotes off them again and likely end up with Allianz.

Be tired of on phone or site for hours filling in the same information to get a quote or be told to ring them or worse case have chill have no chill and hound you. Theres the upside to laughing when yet again AIG quote double and you get quoted half the price of what the cars worth

grogi

jeffk wrote: »

/.../ you get quoted half the price of what the cars worth

But that's completely irrelevant. Majority of the premium goes towards TPL insurance and the value and age of the car has opposite effect to the premium...

jeffk

grogi wrote: »

But that's completely irrelevant. Majority of the premium goes towards TPL insurance and the value and age of the car has opposite effect to the premium...

I dont get you?

Sue Pa Key Pa

jeffk wrote: »

I dont get you?

Most of the premium goes towards the damage and injury the car can do to others

jeffk

Sue Pa Key Pa wrote:

Most of the premium goes towards the damage and injury the car can do to others

Still I find it funny how totally random the numbers are,like mine is up,how did they calculate that

boardsuser1

jeffk wrote: »

Still I find it funny how totally random the numbers are,like mine is up,how did they calculate that

"I'll pull it out of me arse" a banker once said.

They have a similar approach.

jeffk

Cork Truck Driver wrote:

"I'll pull it out of me arse" a banker once said.

They have a similar approach.

They have us over a barrel,an expensive necessary evil

boardsuser1

jeffk wrote: »

They have us over a barrel,an expensive necessary evil

Sadly many of the "entitled" in society see that necessary evil as optional and plough on letting us pay for them.

jeffk

Cork Truck Driver wrote:

Sadly many of the "entitled" in society see that necessary evil as optional and plough on letting us pay for them.

Found out this the hard way when someone hit my car.

You can setup direct debt,cancel,keep disc,looks like you've insurance

boardsuser1

jeffk wrote: »

Found out this the hard way when someone hit my car.

You can setup direct debt,cancel,keep disc,looks like you've insurance

I wasn't in the same boat in 2009, cost me my ncb.

As for the insurance issue, the A.N.P.R in Garda vehicles will be equipped to detect no insurance on cars from September.

Probably is though that there isn't enough to enforce the laws.

Scanning and printing altered discs is another thing going on.

jeffk

Said ill try them all for a laugh and laugh was the word

123
871.63
25 Plus
917.46
AA
794.96
AIB
1,118.05
AIG
1024
Allianz
637.72
An Post
1484.45
Aviva
Over 14 years
AXA
704.70
Blue Insurance
Wont Quote
Britton
853.03
Chill
939
BOI
902
Campion
902.91
Compare Car Insurance
943.33
FBD
Wont quote
KennCo
850 minimum
Quote Me
810.46

Bigmac1euro

It seems Aliianz were also the cheapest for me by a mile, i got the quote online initially because they offered 14% Off
Then i rang them to explain all the extra.

26
Male
Learner permit held for 7 years (Only driving the last two years)
2 Years NCB
07 Opel Vectra 1.6
3 penalty points for speeding.
threw my Dad on it as a named driver

€1400 Allianz directly (no broker)

BOI quoted me 3300

Cover in a click came in at 1850 renewal (with Allianz)

Chill - 2099

I went with 1400 obviously, Allianz beat everyone by a mile.

jeffk

Onto Allianz to chance my arm to see if i can get more off.

Reminding me Allianz customer care are crap over the phone, coming up on ten minutes, plus untold hassle with breakdown assistance before and had to use herselfs from 123 instead

Suppose once you save money and have insurance you hope youll never have to call

loyatemu

renewing for the Mrs. with me as named driver - we're both mid 40s driving a Renault Scenic, no claims or points.

We previously got 2 years insurance in 2015 from Blue for €650, which in fairness was probably the cheapest insurance policy I've ever bought (and obviously meant I avoided last year's hikes). Renewal from Blue for 1 year is €760 (they no longer do the 2 year policies) so more for 1 year than I previously paid for 2 years.

After getting 14 different quotes the cheapest are from Allianz (530), and An Post (550). BOI, Aviva and 25plus were all < 600 as well, everyone else was 700 or more. Worth noting that BOI will allow you pay in instalments without charging you extra for it (you may need to be a BOI customer, I'm not sure). All very annoying as I can't see how we could be any lower risk.

loyatemu

jeffk wrote: »

Reminding me Allianz customer care are crap over the phone, coming up on ten minutes, plus untold hassle with breakdown assistance before and had to use herselfs from 123 instead

Suppose once you save money and have insurance you hope youll never have to call

don't all the insurance companies use the same breakdown provider (except AA obviously)?

Sue Pa Key Pa

loyatemu wrote: »

don't all the insurance companies use the same breakdown provider (except AA obviously)?

No, they all negotiate with different providers, though they can overlap at times

jeffk

loyatemu wrote: »

don't all the insurance companies use the same breakdown provider (except AA obviously)?

The issue was more the press 1 then 4 then 6 then 3 then our opening hours are x y and z, like a game on crystal maze, can you find the breakdown assistance department

Lucky I was outside the house trying to jump her car after being away for a few days, which then turned into two cars needing jumping

Craftylee

To get back to the template :P

Your Age: 27
Car type and engine: 09 Fiesta Petrol 1.25
years driving: 3
any claims: 0
Price and provider: AA renewal €1162
AA (as new customer) €883
123.ie €1,473
Aviva €912
First Ireland €1314
Liberty €885
KennCo €1309
FBD €1,133
25 plus €1485 (very strange, they're usually very good)

All quotes above are for fully comp cover

jeffk

Craftylee wrote: »

To get back to the template :P

Your Age: 27
Car type and engine: 09 Fiesta Petrol 1.25
years driving: 3
any claims: 0
Price and provider: AA renewal €1162
AA (as new customer) €883
123.ie €1,473
Aviva €912
First Ireland €1314
Liberty €885
KennCo €1309
FBD €1,133
25 plus €1485 (very strange, they're usually very good)

All quotes above are for fully comp cover

Watch AA

I got a good deal,something hit me about breakdown, oh no thats not included, its like E100 more and then went on the hard sell about best in Europe etc

Eh no thanks

grogi

jeffk wrote: »

Watch AA

I got a good deal,something hit me about breakdown, oh no thats not included, its like E100 more and then went on the hard sell about best in Europe etc

Eh no thanks

Yeap, the insurence cover does not overlap with their AA offering.

Another thing to be aware of with AA: their assumptions (https://car-insurance.theaa.ie/car-insurance/viewRiskDetails.do?type=standard) say that "4. No insurance company has refused to quote/renew a motor insurance policy, applied special conditions or increased premium in respect of you or any other driver being proposed.".

Hell, I was refused a quote with them when checking if could afford an RX8; I am pretty sure that almost everyone got in similar situation. So if I bought the policy online, the is a potential of it being voided/cancelled on the grounds of non-disclosure. That is insane.

gussieg

Here's a good one, got quotes from Liberty for my son and me a named driver coming in at nearly 400 euro cheaper than the other way around. Both full Irish no claims no penalties and I was charged over a grand.some insurers wanted 3 grand.
When I queried it the guy said oh he must be in our target market . I said what?!!
Yes his age bracket must be in our target market. So there y are now, I'm not in their target market anymore.