Car insurance - tell us your quotes/renewals

Deleted User

Deleted User wrote: »

In the end I went with Acorn insurance for €470 including full bonus protection, breakdown assist and every conceivable extra.
It's with Zenith who have said they will be pulling out of the Irish market next year but will still maintain cover for existing policies.

That was last year. This year:

47 yr old male + 49 yr old spouse as named driver (with own car)
Car: Renault Fluence 1.5l
NCB: 9+ years for both of us
Licence: Full Irish 23 years
Points: 2 points dropped off in July so have 0 now
Claims: None

Renewal from Acorn with Footprint Insurance is 437 including full NCB protection, breakdown assist etc.

I checked every insurer that do online quotes and they quoted me between 484 (Aviva) and 777 (First Ireland) for the same level of cover. Sheridan Insurance were the exception in that their best quote was just below 1000.

SteelyDanJalapeno

30 yr old male + 32 yr old partner as named driver (also owns own car)
Car: Seat Leon 2.0 TDI 150BHP
NCB: +5 years for both of us
Licence: Full Irish 12 years
Points: 0
Claims: 0
An Post renewal price : 580 Fully comprehensive, down from about 700 last year.

Best price shopping around was 123.ie who were quoting 940e. Liberty wanted 1800+.

That's 2 good years in a row with An Post for me, very happy with the service throughout the year too.

cplwhisper

TiltedBrain wrote: »

30 yr old male + 32 yr old partner as named driver (also owns own car)
Car: Seat Leon 2.0 TDI 150BHP
NCB: +5 years for both of us
Licence: Full Irish 12 years
Points: 0
Claims: 0
An Post renewal price : 580 Fully comprehensive, down from about 700 last year.

Best price shopping around was 123.ie who were quoting 940e. Liberty wanted 1800+.

That's 2 good years in a row with An Post for me, very happy with the service throughout the year too.

Be sure to confirm with An Post 2 things
1. If penalty point discount in place = how much is it as that is retractable and means major cost for simple 3 pp for speed/seatbelt or holding phone

2. Confirm have you a) total loss (b) stepback bonus or (c) full protect bonus

grogi

cplwhisper wrote: »

2. Confirm have you a) total loss (b) stepback bonus or (c) full protect bonus

With Post Insurance you can also have NCD Bonus protection with step back...

So there are four options:
- No protection
- NCD Step Back
- NCD Protection (two unlimited claims in a three year period)
- NCD Protection with step back.

cplwhisper

grogi wrote: »

With Post Insurance you can also have NCD Bonus protection with step back...

So there are four options:
- No protection
- NCD Step Back
- NCD Protection (two unlimited claims in a three year period)
- NCD Protection with step back.

I know but didn’t want to confuse OP as insurance jargon not easy even for us staff

CathalDublin

37 Male (main driver) + 34 Female
Car: 2002 Golf GTI 1.8t 150bhp
NCB: 6 years
Licence: Full Irish 12 years
Points: 3 (speeding Sep 2016)
Claims: 0
Cover: Third party, fire and theft with stepback and windscreen cover.
Previous year insurance: €508 Post Insurance
An Post renewal price : €688

Quotes:
Campion €1096.76 Online Quote, after a phone call could get it down to €852
Chill €949 Phone Quote
AA €889 Online Quote
Liberty €868.62 Online Quote
123 €832.19 Online Quote
Britton €761.54 Online Quote
25plus €718.00 (Comprehensive Cover) Online Quote

I might have to suck it up and take the €180 increase with post insurance as it looks like that's still the cheapest by far

Agricola

Renewal time again..........:(

35 male based in Carlow
Car: 2003 BMW 320d
NCB: Maximum
Licence: Full Irish 10 years
Points: 0
Claims: 0
Insurer - Bank of Ireland/RSA Ireland
Cover: Third party, fire and theft with stepback
Previous year: €475
This year's renewal: €559

These prices inclusive of €140 discount for being BoI account holder.

Had a quick check around on all the usual suspects and got the life scared out of me. Thought Halloween was over. Have had about a €160 increase in the two years since I've used BoI. Considering the low starting point, can't complain I suppose.
Also tried the trick of re-entering my details as a new customer. Was quoted €1200 for the very same cover and benefits. :rolleyes:

inforfun

Now, based on the above i guess mine will be around the 490/500 mark then next month.

Also half/half looking for another car as mine start to fall apart a little too much and hits the 15 year age.
But if you select a certain model, get 106 hits and then select "petrol" and only 1 hit remains, it will mean it will be a hard task to find something.

commited

inforfun wrote: »

Now, based on the above i guess mine will be around the 490/500 mark then next month.

Also half/half looking for another car as mine start to fall apart a little too much and hits the 15 year age.
But if you select a certain model, get 106 hits and then select "petrol" and only 1 hit remains, it will mean it will be a hard task to find something.

UK is pretty much the only option if you want a choice of petrol cars that are less than 8 years old

calnand

I never understand how they come up with the figures I was with liberty for years then last year they wanted 1500 to renew, so went to the AA for 800, this year the AA wanted 1000 so I'm going back to liberty for 530.

Fuzzy Clam

calnand wrote: »

I never understand how they come up with the figures I was with liberty for years then last year they wanted 1500 to renew, so went to the AA for 800, this year the AA wanted 1000 so I'm going back to liberty for 530.

It's a lottery!

99nsr125

Tommyboy40 wrote: »

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?

YES

Agricola

calnand wrote: »

I never understand how they come up with the figures I was with liberty for years then last year they wanted 1500 to renew, so went to the AA for 800, this year the AA wanted 1000 so I'm going back to liberty for 530.

I'm beginning to think it's a dartboard with random Euro amounts.

wotzgoingon

Agricola wrote: »

I'm beginning to think it's a dartboard with random Euro amounts.

I think the way they actually do it is this way:

https://www.youtube.com/watch?v=wz-PtEJEaqY

Edit: Damn YoyTube video will not work while embedded just click to see it on YouTube.

Jayop

Went from 550 last year to being quoted 720 this year. Same car, an extra years no claims.

I called them up and said that I heard insurance was going down not up, he said that was a misconception due to an article in the Indo a while back and that the reductions haven't kicked in yet. I said that's fine but doesn't explain a 31% increase either. Some joke hi.

Managed to get it at about 630 in the end.

Net

moved from AVIVA to AA last year because AVIVA was looking for 1000+ and AA offer 790.
just got the renew letter and AA now looking for 1137.
best quote offer 995 so far.
this is insane!
12 years clean drive, no claim no points.
38
Full Licence 10 year+

2009 opel insignia 2.0 cdti 160bph

€995 ~ €1137

still looking for better price, any idea?

Jayop

Net wrote: »

moved from AVIVA to AA last year because AVIVA was looking for 1000+ and AA offer 790.
just got the renew letter and AA now looking for 1137.
best quote offer 995 so far.
this is insane!
12 years clean drive, no claim no points.
38
Full Licence 10 year+

2009 opel insignia 2.0 cdti 160bph

€995 ~ €1137

still looking for better price, any idea?

I'm AA. Call them first thing tomorrow. Tell them you've a quote elsewhere for 800 but you want to stay with them. They might not get down to 800 but they will drop significantly.

FYI, if you have AA roadside they apply a discount to your premium, and last year the discount was cheaper than the cost of the Roadside cover so I got it and saved money. If you have that you can also drive any car fully comp, not third party.

Jayop

Oh and if you're on direct debit call them ASAP as once it's within like 3/4 days of the new policy they have to cancel the renewed policy and start a new one so you'll have to pay a deposit.

Net

Hi, Jayop

thanks for the advice, will do first thing tomorrow and yes, I have a AA member with them from last year. BTW, the open driver thing is good. thanks again.

Jayop

You get a discount for having home insurance too.

kc66

Net wrote: »

moved from AVIVA to AA last year because AVIVA was looking for 1000+ and AA offer 790.
just got the renew letter and AA now looking for 1137.
best quote offer 995 so far.
this is insane!
12 years clean drive, no claim no points.
38
Full Licence 10 year+

2009 opel insignia 2.0 cdti 160bph

€995 ~ €1137

still looking for better price, any idea?

Did you try Allianz? I'm not too dissimilar, got it for around €630 with all the extras.

japasca

Just spent the morning ringing around insurance companies as 123.ie tried to increase my 3rd party premium from €688 to €1025 to reward me for another years safe motoring.......:mad:

Male 33
Full Irish Licence for 12 years
3 penalty points which expire next month
9 years No claims cert- Never made a claim or have been involved in a crash.

Wife 33 - As named Driver
3 points, full licence for 15 years. Also has her own car.

Car
Audi TT - 2.0tfsi - 2007 - 200BHP
No modifications

123.ie : 3rd Party: Previous year €688, This Year €1025
Aviva: 3rd Party: €1798
Liberty: 3rd Party €982
Chill: €852 fully comp with Ivernia.
Post: €650 3rd Party.

Went with Post insurance

phester28

try chill. they are the agent for a new underwriter ivernia and they were competitive for me

Net

went post too, thanks for the info, I got comprehensive for 780 with full protected NCD.

Thanks to Jayop too, I tried to push AA, but they....................well put this way, I am feeling that the companies are trying to push their customers around by raise up the price and force people to accept higher insurance every year.

am I the only person think this way?

commited

I think they issue high renewals in the hope that customers just renew their insurance rather than shopping around. I know that's exactly what my old man does every year!

bernard0368

Damn just got my renewal €513.00 gone to €742.00 on a 1.6lt

cplwhisper

bernard0368 wrote: »

Damn just got my renewal €513.00 gone to €742.00 on a 1.6lt

But what year-make & model of 1.6 ltr ?
Any change in occup/claims or Penalty points ?

lawred2

Your Age: 36
Car type and engine: 1.5 Qashqai + 2 1.5 Dzzzzzzzzzzzzzzzzzl
years driving: 16 on a full licence
any claims: nada (full NCB)
penalty points: nada
Price and provider: 600 with Liberty

Got them down to 490 on the phone with a bit of smooth talk

beer enigma

age 52
35 years full licence
No claims or points ever
BMW 318i - 2001 with only 67k miles
TPFT with AIG jumped from €650 to €1087 !!
Liberty quoting €670

Presume getting screwed because of car age

Voodoomelon

Age: 33
Full Irish for 9+ years, full no claims, no points, car garaged etc.

2005 BMW 740Li

Renewal is €1320. Up €100.

Rang Liberty, €2580. "is that a quote you might be interested in?" "........."

When it comes to motoring in this country, it's an absolute p1sstake. The joke of Europe.

commited

Voodoomelon wrote: »

Age: 33
Full Irish for 9+ years, full no claims, no points, car garaged etc.

2005 BMW 740Li

Renewal is €1320. Up €100.

Rang Liberty, €2580. "is that a quote you might be interested in?" "........."

When it comes to motoring in this country, it's an absolute p1sstake. The joke of Europe.

That quote with PostInsurance?

Voodoomelon

No BOI. The only ones out of 12+ phone calls who come in under €1500, and only because I bank with them.

lawred2

Voodoomelon wrote: »

No BOI. The only ones out of 12+ phone calls who come in under €1500, and only because I bank with them.

Has your insurance usually been over a thousand? Or is this just a recent thing?

septicsac

Age: 43
No claims, convictions or penalty points, full no claims bonus
Quotes for fully comp with stepback
Car: Audi A5 2.7D multitronic sports coupe
Last year: 580E with itsforwomen
Renewal: 622E
Best: Renewal price with itsforwomen still cannot be beaten and very happy with it as know the car is pushing the premium up, but its worth it
Reasonable alternative: Bank of Ireland - 679E, but no extra charge for monthly payments, so their monthly was closer to itsforwomens price, but slightly less cover.
Worst: liberty Insurance 2,900E - spacers

One thing I did notice was that 2 year stepback varies with insurers. With some companies it means going back 2 yrs from 5 yrs back to 3 yrs , while others are actually taking 3yrs off and bringing it back to 2 yrs, bit of a sneaky one, as some would presume it was 2 yrs off and not back to 2 - this was double checked with several companies before anyone asks.
People should also be aware that stepback is only valid with your insurer, no other company with recognise it. So while you think you protect it, you only do so with your insurer who you then have to rely on not to overcharge you, knowing you are then most likely stuck with them......its a bit of a con job IMO , what say rest of you?

Voodoomelon

lawred2 wrote: »

Has your insurance usually been over a thousand? Or is this just a recent thing?

No the same car 4 years ago was €800. As i've gotten older and full no claims etc, its just gone up and up and up. And the narkiness of the people on the other end of the phone along the lines of "what do you expect".

lawred2

Voodoomelon wrote: »

No the same car 4 years ago was €800. As i've gotten older and full no claims etc, its just gone up and up and up. And the narkiness of the people on the other end of the phone along the lines of "what do you expect".

Have a ten year old run around as a second car. 1.4 Golf. I'm worried that we're going to start seeing such unwarranted increases.

Faith+1

lawred2 wrote: »

Have a ten year old run around as a second car. 1.4 Golf. I'm worried that we're going to start seeing such unwarranted increases.

It's a joke alright. Some of the quotes are actually higher than what the car is worth

Had to bite the bullet this year and buy a newer car (152) as I was getting quotes for nearly €1000 for an '03 Fiesta!:mad:

It was a grand wee motor that never gave me a day of trouble and now it's scrapped because MSL don't sell old motors.

grogi

Faith+1 wrote: »

It's a joke alright. Some of the quotes are actually higher than what the car is worth

You are not insuring the car. You're insuring the drivers to drive the car. It makes absolutely no sense to compare the insurance premium to the value of the car.

Kintarō Hattori

grogi wrote: »

You are not insuring the car. You're insuring the drivers to drive the car. It makes absolutely no sense to compare the insurance premium to the value of the car.

Yes it does actually. If you have a perfectly fine older car but it's costing you €1500 for the privilege to drive it, then that's the cost of insurance. Driving a newer car usually brings down the cost of insurance but you shouldn't be forced to upgrade if the car passes it's NCT, has no history of claims, if the driver has no history of claims etc.

inforfun

grogi wrote: »

You are not insuring the car. You're insuring the drivers to drive the car. It makes absolutely no sense to compare the insurance premium to the value of the car.

My car is only driven by myself.
In the next couple of week i expect my new quote and the only difference there will be with last year is that my car got 1 year older, and so did I.

No claims\accidents\penalty points in 2017.

I was quoted and paid €412 for a 03 Laguna in DEC2016.

Watch this space.....

lawred2

inforfun wrote: »

My car is only driven by myself.
In the next couple of week i expect my new quote and the only difference there will be with last year is that my car got 1 year older, and so did I.

No claims\accidents\penalty points in 2017.

I was quoted and paid €412 for a 03 Laguna in DEC2016.

Watch this space.....

I'll be very interested to hear this

Kintarō Hattori

Kintarō Hattori wrote: »

Yes it does actually. If you have a perfectly fine older car but it's costing you €1500 for the privilege to drive it, then that's the cost of insurance. Driving a newer car usually brings down the cost of insurance but you shouldn't be forced to upgrade if the car passes it's NCT, has no history of claims, if the driver has no history of claims etc.

Having a newer car doesn't always reduce the premium. My son is changing from a 1.6 2005 Corolla to a 1.2 2011 Clio and it is increasing his premium by €288 with 5 months left on the policy. Doesn't make sense.

duffman3833

Your Age: 27
Car type and engine: SAAB 9-3 LINEAR SPORT TID 150
years driving: 9
any claims: nope (full NCB)
penalty points: nope
renewal: 850 with Axa
got quotes with 15 different companies. Ranges from €705 - €1828
some saying its down to the car (Its got 'sport' in name). Its a diesel saloon, not a sports car. the only thing sporty on the car is the name in the title.
Drives me nuts renewing car insurance

commited

Faith+1 wrote: »

It's a joke alright. Some of the quotes are actually higher than what the car is worth

Had to bite the bullet this year and buy a newer car (152) as I was getting quotes for nearly €1000 for an '03 Fiesta!:mad:

It was a grand wee motor that never gave me a day of trouble and now it's scrapped because MSL don't sell old motors.

I absolutely agree that the insurance situation in Ireland is a joke but shelling out a lot of money to save a little is surely a false economy also?

Casati

151 Superb 170bhp
Value 29,999 ( I know it’s not worth a that but have a new one ordered)
Male 40 and named Female 40 with car
1 Point
6 years NCB
Kerry
Fully protected bonus

Quote ranged from 1100 down to 575 with An Post / AIG - went with the cheapest

I recon it’s 100 quid cheaper here versus Dublin

The Nal

Who will insure a car with no tax?

grogi

The Nal wrote: »

Who will insure a car with no tax?

Makes no difference.

The Nal

grogi wrote: »

Makes no difference.

123.ie just told me to fúck off because its not taxed.

lawred2

The Nal wrote: »

Who will insure a car with no tax?

and why would you want to do that?

The Nal

lawred2 wrote: »

and why would you want to do that?

I want to insure my car but its not taxed.