Car insurance - tell us your quotes/renewals

grogi

Sadb wrote: »

Ncb protection is really only good for your own company and even then it's not always worth it.

I just did run a quote through AXA, because their quotation is the fastest one...

34 YO Polisher, Driving a 2012 Ford Mondeo 2.0 TDCI, Living in Cork, a very recent claim in 2017 for €9800.

With 6 years NCB - 1,107.03
With 3 years NCB - 1,503.70
With 0 years NCB - 4,082.05

NCB DOES MATTER, even for a new policy.

Sadb

grogi wrote: »

I just did run a quote through AXA, because their quotation is the fastest one...

34 YO Polisher, Driving a 2012 Ford Mondeo 2.0 TDCI, Living in Cork, a claim in 2014 for €9800.

With 6 years NCB - 1,107.03
With 3 years NCT - 1,503.70
With 0 years NCB - 4,082.05

NCB DOES MATTER...

That is not my experience with my claim.

Sue Pa Key Pa

Sadb wrote: »

No. My renewal with my current company is €564. Someone was saying up thread that having no ncb protection was nearly as irresponsible as having no insurance and I was pointing out that ncb protection is hardly worth the paper it's written on as you still have to disclose the claim if changing company and many won't even give a quote (as happened ime) if you have had a claim, even if your ncb is still intact (which mine is as I had full ncb protection, not step back). Ncb protection is really only good for your own company and even then it's not always worth it.

What made you think that one of your insurer's competitors would amend their rating structure and acceptance terms because you gave your insurer extra money for bonus protection?

Sadb

Sue Pa Key Pa wrote: »

What made you think that one of your insurer's competitors would amend their rating structure and acceptance terms because you gave your insurer extra money for bonus protection?

I didn't

Sadb

Sue Pa Key Pa wrote: »

What made you think that one of your insurer's competitors would amend their rating structure and acceptance terms because you gave your insurer extra money for bonus protection?

I didn't

kerten

grogi wrote: »

I just did run a quote through AXA, because their quotation is the fastest one...

34 YO Polisher, Driving a 2012 Ford Mondeo 2.0 TDCI, Living in Cork, a very recent claim in 2017 for €9800.

With 6 years NCB - 1,107.03
With 3 years NCB - 1,503.70
With 0 years NCB - 4,082.05

NCB DOES MATTER, even for a new policy.

I always buy NCB protection myself for the same reason but I was under impression that it will certainly be protected by the company you are with(higher premium minus NCB discount) and others may or may not accept it as it is.

grogi

kerten wrote: »

I always buy NCB protection myself for the same reason but I was under impression that it will certainly be protected by the company you are with(higher premium minus NCB discount) and others may or may not accept it as it is.

At the end of your policy you get a certificate how much NCB you have earned. The certificates states how many percents of discount you have, how many years of claims free driving is needed to earn it and how many years claims free you have on that particular policy (which resets if you switch between companies).

When getting a quote you put how much discount you have (how many years this corresponds to) and disclose any claim you had in the last (typically) 5 years. If in doubt you can always ask for clarification, but that's how this usually works.

honda boi

grogi wrote: »

I just did run a quote through AXA, because their quotation is the fastest one...

34 YO Polisher, Driving a 2012 Ford Mondeo 2.0 TDCI, Living in Cork, a very recent claim in 2017 for €9800.

With 6 years NCB - 1,107.03
With 3 years NCB - 1,503.70
With 0 years NCB - 4,082.05

NCB DOES MATTER, even for a new policy.

Are those quotes with telling them about a claim?

grogi

honda boi wrote: »

Are those quotes with telling them about a claim?

You call me stupid? Of course.

skibum

Your Age: 51
Car type and engine: 2001 Opel Astra 1.4
years driving: 32
any claims: none
Price and provider: Allianz, €461 Renewal, fully comp with bonus protection etc


AXA quoted me €841, 123.ie €781..........

honda boi

grogi wrote: »

You call me stupid? Of course.

Wow no one called you stupid ,I was just asking

grogi

honda boi wrote: »

Wow, no one called you stupid

That's what I call exaggeratation

,I was just asking

What point would I be making if the claim wasn't even mentioned?

Imallrightjack

lads is there anything wrong with giving the renewal date 10 days in advance of the actual renewal date to get a cheaper quote?i read a thread in here sometime ago that it reduces the price of it.(i cant find the thread)
and it has reduced it by two hundred euro.i just want some advice on it if anyone has done it or is it ok etc?

Kuva

Imallrightjack wrote: »

lads is there anything wrong with giving the renewal date 10 days in advance of the actual renewal date to get a cheaper quote?i read a thread in here sometime ago that it reduces the price of it.(i cant find the thread)
and it has reduced it by two hundred euro.i just want some advice on it if anyone has done it or is it ok etc?

that thread is over in bargain alerts

Kuva

Kuva wrote: »

that thread is over in bargain alerts

here it is, htt p://touch .boards.ie/thread/2057752858/1

Imallrightjack

Kuva wrote: »

here it is, htt p://touch .boards.ie/thread/2057752858/1

I just searched the first 26 pages of bargain alerts and couldn't find it.that link doesn't work.

Kuva

http://touch.boards.ie/thread/2057752858/1

I can post links now, there she is

Imallrightjack

Kuva wrote: »

http://touch.boards.ie/thread/2057752858/1

I can post links now, there she is

Thank you.much appreciated.

blade1

45 years old.
2.5 litre car
Fully comp with stepback bonus protection.
A.I.G. €414

Sue Pa Key Pa

Wife's car

2007 Ford Focus, 1.4
50's, Full Licence
No accidents, claims or points
Comp, Full bonus protection
Last Year; Aviva €327
Renewal Quote; €377

Nothing beating it so far, worst quote AIG, €593

Edit; It's4women coming in at €353, not enough to leave Aviva

theteal

Sue Pa Key Pa wrote: »

Wife's car

2007 Ford Focus, 1.4
50's, Full Licence
No accidents, claims or points
Comp, Full bonus protection
Last Year; Aviva €327
Renewal Quote; €377

Nothing beating it so far, worst quote AIG, €593

Edit; It's4women coming in at €353, not enough to leave Aviva

Could you not sort her out?

Sue Pa Key Pa

theteal wrote: »

Could you not sort her out?

Nope, her insurance has to be at the market price. I get a good deal for mine, being in the business, but it is strictly staff only. There is no gravy train for insurance staff, contrary to popular opinion here.

Liam McPoyle

Sue Pa Key Pa wrote: »

Nope, her insurance has to be at the market price. I get a good deal for mine, being in the business, but it is strictly staff only. There is no gravy train for insurance staff, contrary to popular opinion here.

My wife gets 50% off even though staff spouse discount should only apply for people with 10 years service. She paid €320 this year for a 161 golf TSI with an open (non fault) claim

The joys of being a crooked underwriting fat cat.

:pac:

Sue Pa Key Pa

Seeing that I always achieve the targets the Cartel set me to fleece clients, I've never paid €300 for my own policy.

NIMAN

So time to renew coming up at end of month.

Currently sitting at €626, for 161 Golf 1.6 TDi. (previous year was €382, shocking!).

Did some searching tonight, all these prices are for me and OH, neither of us has any claims, accidents, driving 15 & 22 years, etc. Basically less risky customers, you'd think.

Quotes so far:

Existing broker €729 (think thats with RSA)
Chill €726
Bank of Ireland €848 or €932
123 €644
AXA €653
Allianz €468

Fair play Allianz, not taking the p1ss, think you'll be getting my business this year.

Tommyboy40

My partner is insured through Ulster Bank's U First scheme with Aviva. I decided to call them to see what they could do for me, also an UB customer

49
Full Licence
No points/Claims
2005 Mercedes CL 500
€1865

Are they all on drugs?

quadrifoglio verde

Age 25
Full licence 6 years
NCB 7 years
Car 2006 Alfa 159 1.9jtdm
Quote 618 for the year with chill. Tpft, windscreen and no claims bonus fully protected

Everyone else was four figures so I'm quite happy with that quote. Down 300 on last year two.

DermoMIO

Age: 31
Car: 2008 VW Golf GT Sport
Years driving: 12 - 10 Full license
Claims: named driver claim from 2014 €1k ish
Price & Provider: €646 Fully Comp with AA
Renewal quote was €736 with AA

Edit: last year was €863 negotiated from 1001

mr.kh

I'm on learner permit (currently shopping for a car) and was getting 3100 euro for a 2006/7 toyota yaris 1L a week ago :pac:

I heard few people saying insurance prices going down a bit, just checked with axa again and they are giving me 2500 euro for the same car model. Must be true that the prices going down, a bit. Anyone else noticed this?

2500e is still a lot though

kerten

mr.kh wrote: »

I'm on learner permit (currently shopping for a car) and was getting 3100 euro for a 2006/7 toyota yaris 1L a week ago :pac:

I heard few people saying insurance prices going down a bit, just checked with axa again and they are giving me 2500 euro for the same car model. Must be true that the prices going down, a bit. Anyone else noticed this?

2500e is still a lot though

Have you tried liberty ?

IP freely

IP freely wrote: »

Gender: M

Age: 31

Car: 01 Subaru Impreza WRX estate (218bhp)

NCD: Full

Licence: Full 10+ years, no points

Cover: Fully comp, protected, breakdown, windscreen cover.

Best quote: €599 through a local broker with a company called ignite. Could have got it slightly cheaper but the policy was worse, higher excess + step back only. That's with herself on the policy too.

Plesently surprised given it was €720 last year, although my insurer last year quoted me €1870 renewal. Brokers were grand price wise, the bigger companies (axa aviva ect) wanted either a ransom or wouldnt quote.

IP freely wrote: »

And this year €2100 is the cheapest! No changes to the above, has the world gone mad. Actually got laughed at by my current broker when I questioned the quote of €3750 and was told they only gave that quote because they have to!

Madness.

Well I had the Vaseline ready to go for this year but....

]Gender: M

Age: 33

Car: 01 Subaru Impreza WRX estate (218bhp)

NCD: Full

Licence: Full 10+ years, no points

Cover: Fully comp, Full NCB protection, €250 excess, uninsured driver protection, fully comp in other cars, breakdown and windscreen cover.

Best quote: €836 Chill.ie (IVERNIA INSURANCE LTD)

Got renewal though in the post of €2200 with a local broker (Octane is the company). Phoned around a few places much the same €1680 was the ballpark, as low as €1430 but it was 3rd party F&T and stepback only. and as high as €3600 via liberty, which at the end of the conversation when i said it was very expensive the lady laughed while saying you drive a subaru impreza that is 15+ years old what di you expect!

I then went online quickquote frim chill was again ballpark figure 1700 so didn't proceed with the full quote, my phone rang and the fella from Chill was talking about not a full quote online, I assumed it was a sales pitch, but alas a company only use chill and only insure drivers 30+, full no claims and specific cars for €836, i nearly bite his hand off. Kevin who phoned me was lovely too which was a pleasant surprise.

Full NCB protection, €250 excess, uninsured driver protection, fully comp in other cars, breakdown and windscreen cover.

De fooking lighted.

wotzgoingon

IP freely wrote: »

Well I had the Vaseline ready to go for this year but....

]Gender: M

Age: 33

Car: 01 Subaru Impreza WRX estate (218bhp)

NCD: Full

Licence: Full 10+ years, no points

Cover: Fully comp, Full NCB protection, €250 excess, uninsured driver protection, fully comp in other cars, breakdown and windscreen cover.

Best quote: €836 Chill.ie (IVERNIA INSURANCE LTD)

Got renewal though in the post of €2200 with a local broker (Octane is the company). Phoned around a few places much the same €1680 was the ballpark, as low as €1430 but it was 3rd party F&T and stepback only. and as high as €3600 via liberty, which at the end of the conversation when i said it was very expensive the lady laughed while saying you drive a subaru impreza that is 15+ years old what di you expect!

I then went online quickquote frim chill was again ballpark figure 1700 so didn't proceed with the full quote, my phone rang and the fella from Chill was talking about not a full quote online, I assumed it was a sales pitch, but alas a company only use chill and only insure drivers 30+, full no claims and specific cars for €836, i nearly bite his hand off. Kevin who phoned me was lovely too which was a pleasant surprise.

Full NCB protection, €250 excess, uninsured driver protection, fully comp in other cars, breakdown and windscreen cover.

De fooking lighted.

Out of curiosity what did you pay last year?

edit: Just re-read the post and you paid 2100.

jos28

Gender:F

Age: 57

Car: 07 Hyundai Coupe 1.6

NCD: 4 years in my own name + 100 years as a named driver

Licence: Full 10+ years, no points


Cover: Fully comp

Best quote Aviva at €490

Still not happy with that quote although it beats my Allianz renewal notice from Frank Glennon which came in at €610.
Worst so far is Chill Insurance at a staggering €870

flutered

male, oap, retired, 05 ford galaxy lx turbo 1.9, never had a claim, with aviva, fully comp, renewal quote 1145, last year 720

jos28

flutered wrote: »

male, oap, retired, 05 ford galaxy lx turbo 1.9, never had a claim, with aviva, fully comp, renewal quote 1145, last year 720

:eek::eek::eek:

Cows Go µ

flutered wrote: »

male, oap, retired, 05 ford galaxy lx turbo 1.9, never had a claim, with aviva, fully comp, renewal quote 1145, last year 720

Try adding a driver aged around 40 to the policy, that will sometimes bring the quote down

job seeker

Got the insurance sorted last week. Here are the details.

Last year: 2016
Gender:Male

Age: 23

Location: Sligo

Car 1999 Toyota Yaris 1.0

Declared Mods: Alloys

NCD: 5 years

Licence: Full 3 years

Points: None

Claims: None

Cover: Third party F & T and step back protection.

Provider: FBD Insurance

Price: €950

Gender: Male

Age: 24

Location: Sligo

Car: 07 Honda Civic 1.4 petrol

Declared Mods: None: Standard car

NCD: 6 years

Claims: None

Licence: Full 4 years

Points: None

Renewal: €980 - Third party F & T and step back cover.

Provider: FBD Insurance

_____________________________

Best quote: €650 liberty insurance, through McSharry Foley broker.(whoops insurance)

Ould pair on the policy as named drivers: Mother - 3 points/no claims Father - 0 points/no claims

Cover: Thrid party F&T, Step back protection and added windscreen cover for €30

Total cost: €680

_____________________________

Other quotes:
Axa: €1200
123: €960
Boxy mo €800 with blackbox. :rolleyes:
B.O.I: €865
AIG: €920

wotzgoingon

job seeker wrote: »

Best quote: €650 liberty insurance, through McSharry Foley broker.(whoops insurance)

Ould pair on the policy as named drivers: Mother - 3 points/no claims Father - 0 points/no claims

Cover: Thrid party F&T, Step back protection and added windscreen cover for €30

Total cost: €680

That is very reasonable considering your age.

job seeker

wotzgoingon wrote: »

That is very reasonable considering your age.

Ya, I was very happy with that! I never thought it could come down so much. But it's mostly to do with the parents been on my policy.

loveisdivine

Gender: Female

Age: 30

Location: Louth

Car: 161 Nissan leaf

Declared Mods: None: Standard car

NCD: 2 years

Claims: claim under husbands policy 2 years ago. I was at fault. Claim cost 1400.

Licence: Full 12 years

Points: None

Renewal: €3013 - Fully Comp - This is up from €2500 last year!

Provider: Quote devil

Best quote from shopping around - €1228 with 25Plus. So saved myself €1785!

lolliedog

07 Citroen grand Picasso 7 seats

43 Male Wife 37

2 Clean licences no points full bonus


Fully comp
Bonus fully protected
Driving other cars
Windscreen cover
Breakdown cover
250 excess

Alliance

€437

Very happy

Sue Pa Key Pa

Sue Pa Key Pa wrote: »

Wife's car

2007 Ford Focus, 1.4
50's, Full Licence
No accidents, claims or points
Comp, Full bonus protection
Last Year; Aviva €327
Renewal Quote; €377

Nothing beating it so far, worst quote AIG, €593

Edit; It's4women coming in at €353, not enough to leave Aviva

Rang Aviva and settled on €356 for the renewal. I trust them on claims

fermanagh_man

Male 32
Living Dublin
Licence full Irish for 4 years - no points or claims
Car 161 Seat Leon 1.6

Last year 880 Glennons (Allianz)
Renewal - 1260

Best Quote is 123 at 785 fully comp

Blue insurance 880
AXA 890
Chill 1060
Liberty 1200

A Law

Wife's car

2008 Passat, 1.4
31, Full Licence
No accidents, claims or points
Comp, Full bonus protection
Named driver, 31 yr old male.
Last Year; allianz €450
Renewal Quote; 571, 530 after ringing.

Went with 123 for 484, comp, ncp, windscreen, breakdown, keycare, 300 excess.
Most companies coming in around 700. Chill were 550 as we've house insurance with them. Im with 123 so got a discount for that.

2009 Ford Focus 1.8 Diesel.
Male.
29, Full licence. (Less than 3 months)
0 experience other than lessons and test.
0 No claims.
0 points.
€1687 with Kennco.

Pretty happy after the quotes I was getting for other cars.

H3llR4iser

So, time has come for the renewal:

37 y.o, male, software engineer;
2006 Alfa 159 1.9 JTS (Petrol, 160hp);
Full EU (Italian) License for 18 years;
5 years NCB;
No claims/points ever (didn't have a car for a few years, hence the NCB of only 5 years);

Renewal from Allianz through the AA came in at 943.80, about the same as last year.

Checking around:

Liberty 2894.16
Chill (Ivernia) 961.00
Allianz (basic) 916.29
Blue Insurance 1088.69 (TPFT)
Its4Women 2171.55

At least it's not a crazy hike (went 545->700->950 in the last three years);

wotzgoingon

joefuss1986 wrote: »

Wife's car

2008 Passat, 1.4
31, Full Licence
No accidents, claims or points
Comp, Full bonus protection
Named driver, 31 yr old male.
Last Year; allianz €450
Renewal Quote; 571, 530 after ringing.

Went with 123 for 484, comp, ncp, windscreen, breakdown, keycare, 300 excess.
Most companies coming in around 700. Chill were 550 as we've house insurance with them. Im with 123 so got a discount for that.

I don't know how you managed to get it so cheap. How many years NCB do she have?

A Law

wotzgoingon wrote: »

I don't know how you managed to get it so cheap. How many years NCB do she have?

She has 9+ and I've got 6+. Didn't think it was cheap just based on last years. I've found 123 to be the most competitive of all the companies. Have my parents with them, and my sister went with them the other day.

inforfun

H3llR4iser wrote: »

So, time has come for the renewal:

37 y.o, male, software engineer;
2006 Alfa 159 1.9 JTS (Petrol, 160hp);
Full EU (Italian) License for 18 years;
5 years NCB;
No claims/points ever (didn't have a car for a few years, hence the NCB of only 5 years);

Renewal from Allianz through the AA came in at 943.80, about the same as last year.

Checking around:

Liberty 2894.16
Chill (Ivernia) 961.00
Allianz (basic) 916.29
Blue Insurance 1088.69 (TPFT)
Its4Women 2171.55

At least it's not a crazy hike (went 545->700->950 in the last three years);

I honestly think that Italian license is costing you a couple of 100
1 EU my arse.

H3llR4iser

inforfun wrote: »

I honestly think that Italian license is costing you a couple of 100
1 EU my arse.

More than that - I've run quotes with "Full Irish" and some (don't remember the companies, but was through mig.ie) came out around the 560 marker - even with the "country of issue" for the license being Italy; The mysterious power of a piece of plastic making you "less of a risk" for undisclosed reasons. Surely it won't have anything to do with the relatively high number of EU license holders driving in the country, can't be...:mad: