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Car insurance - tell us your quotes/renewals

16061636566114

Comments

  • Registered Users, Registered Users 2 Posts: 12,483 ✭✭✭✭blade1


    You're supposed to have insurance to get tax,not the other way round.


  • Registered Users, Registered Users 2 Posts: 24,468 ✭✭✭✭lawred2


    The Nal wrote: »
    :confused:

    I want to insure my car but its not taxed.

    I get what you want to do.

    I don't understand why though. An untaxed car is unusable.


  • Registered Users, Registered Users 2 Posts: 13,041 ✭✭✭✭The Nal


    blade1 wrote: »
    You're supposed to have insurance to get tax,not the other way round.

    So I believed but my insurance us up for renewal and 123.ie don't insure untaxed cares anymore Im told.
    lawred2 wrote: »
    I get what you want to do.

    I don't understand why though. An untaxed car is unusable.

    Why? It hasn't been taxed in ages and still drives fine! NCT'd now too.


  • Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    The implication of having a car untaxed for a prolonged period could be that the person isn't too bothered with the legalities of road use and is therefore more likely to be a reckless driver?


  • Registered Users, Registered Users 2 Posts: 3,674 ✭✭✭Faith+1


    commited wrote: »
    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?

    True but I'd no other choice. I need my car for work and If I can't get insurance on an '03 then it pretty much a useless piece of metal. The reason i opted for a 152 is at least I won't have to worry about insurance for a good few years. If insurance wasn't an issue and I wanted to upgrade I would of bought a 2011/12 to save a few quid but I'd of faced the insurance problems sooner.


  • Banned (with Prison Access) Posts: 1,648 ✭✭✭Autochange


    Age 33
    No car as getting quoted over 2.5k
    Been out of the country 7 years so starting again
    Full license sine 18
    No points ever

    Joke of a country


  • Registered Users, Registered Users 2 Posts: 13,041 ✭✭✭✭The Nal


    The implication of having a car untaxed for a prolonged period could be that the person isn't too bothered with the legalities of road use and is therefore more likely to be a reckless driver?

    No. I'm just not paying twice the rate because my car is pre 08. Car is in great nick and just sailed through the NCT.


  • Registered Users, Registered Users 2 Posts: 1,037 ✭✭✭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

    got call from AXA who im currently with, €625
    ill take that :)


  • Registered Users, Registered Users 2 Posts: 13,041 ✭✭✭✭The Nal


    Autochange wrote: »
    Age 33
    No car as getting quoted over 2.5k
    Been out of the country 7 years so starting again
    Full license sine 18
    No points ever

    Joke of a country

    Something not right there. Out of the country or not that sounds wrong.


  • Registered Users, Registered Users 2 Posts: 797 ✭✭✭cplwhisper


    The Nal wrote: »
    Something not right there. Out of the country or not that sounds wrong.[/quote

    If you had a NCB that expires as abroad over 2yrs - you can get a quote but not be loaded as 1st time ever driver

    Won’t be cheap but it prevents you ending up as “declined cases agreement “case

    Pm if totally stuck


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  • Registered Users, Registered Users 2 Posts: 6,178 ✭✭✭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

    UPDATE: Got a quote from AXA for €635, same terms as the €1087 from AIG (who I've been with for 5 years)


  • Registered Users, Registered Users 2 Posts: 797 ✭✭✭cplwhisper


    UPDATE: Got a quote from AXA for €635, same terms as the €1087 from AIG (who I've been with for 5 years)

    Glad we got u sorted


  • Registered Users Posts: 5,116 ✭✭✭job seeker


    The implication of having a car untaxed for a prolonged period could be that the person isn't too bothered with the legalities of road use and is therefore more likely to be a reckless driver?
    The Nal wrote: »
    No. I'm just not paying twice the rate because my car is pre 08. Car is in great nick and just sailed through the NCT.

    Well regardless, that what it look's like form the insurance company's point of view.

    With all due respect if you're "just not paying twice the rate because my car is pre 08." may I suggest that you pay your tax every 3 or 6 months? Or else purchase a car with a smaller engine?

    If however, you can not afford to pay motor tax, you can not afford a car. Simple as..


  • Registered Users Posts: 466 ✭✭phester28


    Personally I only buy the full protection.

    If you have step back you are guaranteed that your premium will increase by 10% to 20% (depending on the company and their scale) in the event of a claim, as well as the standard rate increases. With full protection, in the event of a claim, you are not going to have an increase (apart from the standard rate increases)

    If you can afford the €60 Id recommend it tbh.

    IN reality NCB is a smokescreen. If you make a claim even with full NCB your policy will still be loaded the next year. as in the pre ncb amount will rocket up.

    Until you fully settle the claim which can take along time in some cases 1-2 years. you are tied to your insurance company as no body else will touch you.

    When you are fully settled insurance companies will still load you as they ask you have you had any claims in the last 5 years


  • Registered Users Posts: 1,584 ✭✭✭BohsCeltic


    Just got quoted €1800 from AIG.
    2006 1.6l Volkswagen Passat.
    Age 37
    Full licence 11 years, no points and full NCD.
    A complete joke and some places won't even quote.


  • Registered Users, Registered Users 2 Posts: 24,468 ✭✭✭✭lawred2


    BohsCeltic wrote: »
    Just got quoted €1800 from AIG.
    2006 1.6l Volkswagen Passat.
    Age 37
    Full licence 11 years, no points and full NCD.
    A complete joke and some places won't even quote.

    won't quote based on that information - that can't be right...

    have you tried a broker?


  • Registered Users, Registered Users 2 Posts: 2,674 ✭✭✭Skatedude


    lawred2 wrote: »
    won't quote based on that information - that can't be right...

    have you tried a broker?

    Sounds about right once the car hits 10 years old. my mother was paying 650 or so for years, went to 1800 after 10 years, then 2350 after 11 years. no change in details other than age of the car.


  • Registered Users Posts: 1,584 ✭✭✭BohsCeltic


    lawred2 wrote: »
    won't quote based on that information - that can't be right...

    have you tried a broker?

    I've tried everywhere. Its the age of the car despite it sailing through the NCT.
    I paid 400 on a 2.0l Ford before then changed to a Honda 1.6 and it jumped to 1200.
    Cannot win with these insurance companies


  • Registered Users, Registered Users 2 Posts: 14,309 ✭✭✭✭wotzgoingon


    Age: 17

    NCB: 0

    Points: 0

    Car: 2008 Mitsubishi Lancer Evo X, RS

    Fully Comp, €450


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  • Registered Users, Registered Users 2 Posts: 24,468 ✭✭✭✭lawred2


    Skatedude wrote: »
    Sounds about right once the car hits 10 years old. my mother was paying 650 or so for years, went to 1800 after 10 years, then 2350 after 11 years. no change in details other than age of the car.

    10 year old golf.... 485

    It's not universal


  • Registered Users, Registered Users 2 Posts: 890 ✭✭✭A Law


    lawred2 wrote: »
    10 year old golf.... 485

    It's not universal

    17 year old BMW. Somewhere around 600 in august with 123


  • Closed Accounts Posts: 3,293 ✭✭✭Fuzzy Clam


    Age: 17

    NCB: 0

    Points: 0

    Car: 2008 Mitsubishi Lancer Evo X, RS

    Fully Comp, €450
    Who was this quote for?
    Not you obviously.


  • Registered Users, Registered Users 2 Posts: 937 ✭✭✭kerten


    BohsCeltic wrote: »
    Just got quoted €1800 from AIG.
    2006 1.6l Volkswagen Passat.
    Age 37
    Full licence 11 years, no points and full NCD.
    A complete joke and some places won't even quote.

    AIG did something similar to my 05 Focus by jumping from 600Euro to 950 Euro during this year's renewal.

    Obviously they are trying to clean up old cars from their portfolio.

    Allianz seemed to be good insurer with old cars in these days. My broker switched me to them for 700 Euro after AIG pumped the price up.


  • Registered Users, Registered Users 2 Posts: 116 ✭✭lilsparkle69


    Age: 17

    NCB: 0

    Points: 0

    Car: 2008 Mitsubishi Lancer Evo X, RS

    Fully Comp, €450


    Is that for you as main driver or named? Also what insurer quoted you?

    I've a full licence, over 25, no claims or anything and the lowest I could get on my standard Lancer was around €1600. Had to change car in the end!


  • Registered Users, Registered Users 2 Posts: 6,467 ✭✭✭h3000


    Age: 17

    NCB: 0

    Points: 0

    Car: 2008 Mitsubishi Lancer Evo X, RS

    Fully Comp, €450
    Is that for you as main driver or named? Also what insurer quoted you?

    I've a full licence, over 25, no claims or anything and the lowest I could get on my standard Lancer was around €1600. Had to change car in the end!

    I’m pretty sure it was a lie.

    0118 999 881 999 119 725 3



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  • Registered Users Posts: 1,150 ✭✭✭BlazingSaddler


    My 2 year policy with Blue is up for renewal, was €715 2 yrs ago, looking for €1200 now. Not happy, I am now free of any penalty points and a claim from over 5 years ago so not impressed.


  • Registered Users, Registered Users 2 Posts: 1,192 ✭✭✭TeaBagMania


    Age: 17

    NCB: 0

    Points: 0

    Car: 2008 Mitsubishi Lancer Evo X, RS

    Fully Comp, €450


    my money is on the 450 being the monthly payment and not the policy premium in full :D


  • Registered Users Posts: 40 AngryGoldfish


    I'm not sure if this is the appropriate place to ask, and I've already asked it in another part of the forum so no worries either way, but does anyone have any idea whether the 1.2L diesel 75BHP engine that's found in cars like the VW Polo and SEAT Ibiza is going to be substantially more expensive to insure over a 1.0L petrol 75BHP engine that's found in cars like the VW Up and SEAT Mii? This is for a driver who's been on insurance for 12 months with no claims. Is insurance quoted purely on engine size and (mostly) ignores other factors such as acceleration, top speed, horsepower, torque, etc? The SEAT Mii with a 1.0L petrol 75BHP engine actually might be a little faster than the 1.2L diesel, but will the diesel be more expensive? I'll ask the same regarding turbos. Will a 1.0L with a turbo be less expensive to insure than a 1.4L that's actually slightly slower? I know an insurance quote will factor in safety, statistics, age, and many other factors, but speaking purely from an engine size perspective and how that influences prices, what kind of price difference will there be between a SEAT Ibiza 2013 1.2 diesel 75bhp to a 1.0L petrol SEAT Mii 2013 75bhp?


  • Registered Users Posts: 1,584 ✭✭✭BohsCeltic


    I'm not sure if this is the appropriate place to ask, and I've already asked it in another part of the forum so no worries either way, but does anyone have any idea whether the 1.2L diesel 75BHP engine that's found in cars like the VW Polo and SEAT Ibiza is going to be substantially more expensive to insure over a 1.0L petrol 75BHP engine that's found in cars like the VW Up and SEAT Mii? This is for a driver who's been on insurance for 12 months with no claims. Is insurance quoted purely on engine size and (mostly) ignores other factors such as acceleration, top speed, horsepower, torque, etc? The SEAT Mii with a 1.0L petrol 75BHP engine actually might be a little faster than the 1.2L diesel, but will the diesel be more expensive? I'll ask the same regarding turbos. Will a 1.0L with a turbo be less expensive to insure than a 1.4L that's actually slightly slower? I know an insurance quote will factor in safety, statistics, age, and many other factors, but speaking purely from an engine size perspective and how that influences prices, what kind of price difference will there be between a SEAT Ibiza 2013 1.2 diesel 75bhp to a 1.0L petrol SEAT Mii 2013 75bhp?

    I went from a 2.0l Ford to a honda 1.6l and was told Honda's attract higher premium, No other explanation given and it was not an import.
    As i already said i then changed to a 1.6l Passat and was quoted crazy prices.
    It's like a lucky bag trying to get some sort of decent quote these days


  • Registered Users Posts: 40 AngryGoldfish


    BohsCeltic wrote: »
    I went from a 2.0l Ford to a honda 1.6l and was told Honda's attract higher premium, No other explanation given and it was not an import.
    As i already said i then changed to a 1.6l Passat and was quoted crazy prices.
    It's like a lucky bag trying to get some sort of decent quote these days

    I thought that be the case. Worth a try. Thanks.


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  • Registered Users, Registered Users 2 Posts: 9,973 ✭✭✭spookwoman


    41
    2008 fiat punto
    695.83 with AA.
    Clean Licence
    claim made in 2016 after car v unchipped dog incident.
    635 with quotedevil I did increase the excess.
    Cheeky sods then send text saying they had a great deal after I told them I had changed to another company.


  • Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    My 2 year policy with Blue is up for renewal, was €715 2 yrs ago, looking for €1200 now. Not happy, I am now free of any penalty points and a claim from over 5 years ago so not impressed.

    That was always going to happen with then. Premiums of €355 are simply not sustainable.


  • Registered Users, Registered Users 2 Posts: 24,468 ✭✭✭✭lawred2


    That was always going to happen with then. Premiums of €355 are simply not sustainable.

    I always thought the quotes for those two year policies were for each year of those two years?

    Did I have that wrong!?


  • Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    lawred2 wrote: »
    I always thought the quotes for those two year policies were for each year of those two years?

    Did I have that wrong!?

    I believe so.

    Afaik it was you pay premium of x at inception and you don't pay anything more for 24 months, I'm open to correction though.


  • Registered Users Posts: 1,150 ✭✭✭BlazingSaddler


    I believe so.

    Afaik it was you pay premium of x at inception and you don't pay anything more for 24 months, I'm open to correction though.

    Correct!


  • Registered Users, Registered Users 2 Posts: 14,309 ✭✭✭✭wotzgoingon


    My 2 year policy with Blue is up for renewal, was €715 2 yrs ago, looking for €1200 now. Not happy, I am now free of any penalty points and a claim from over 5 years ago so not impressed.

    Afaik it was you pay premium of x at inception and you don't pay anything more for 24 months.

    If that's the case that above linked quote is very reasonable. Only 600 a year. You just have to look through this thread and see a lot are paying close to the 2 year policy for one year.

    What you paid two years ago with points and a claim was extremely cheap.


  • Registered Users Posts: 1,150 ✭✭✭BlazingSaddler


    If that's the case that above linked quote is very reasonable. Only 600 a year. You just have to look through this thread and see a lot are paying close to the 2 year policy for one year.

    What you paid two years ago with points and a claim was extremely cheap.

    Just signed off on €1050 for 2 years which I’m happy enough with. Raised my excess to €500 though which makes me slightly nervous but that saved about €80 overall, the other €60 a goodwill reduction!


  • Registered Users, Registered Users 2 Posts: 5,303 ✭✭✭SCOOP 64


    Just got renewal quote from Bank of Ireland
    full no claims bonus
    no points
    no accidents
    been driving years
    Opel Astra 1.4 1998
    Fully comprehensive
    €344 or monthly €378,
    don't think ill bother ringing round, wont do better then that for a "God, 20 yrs old next year!
    (been with them 3 yrs)


  • Registered Users, Registered Users 2 Posts: 13,041 ✭✭✭✭The Nal


    SCOOP 64 wrote: »
    Just got renewal quote from Bank of Ireland
    full no claims bonus
    no points
    no accidents
    been driving years
    Opel Astra 1.4 1998
    Fully comprehensive
    €344 or monthly €378,
    don't think ill bother ringing round, wont do better then that for a "God, 20 yrs old next year!
    (been with them 3 yrs)

    €344 for the year or €378 a month which is €4536?


  • Registered Users, Registered Users 2 Posts: 889 ✭✭✭morritty


    The Nal wrote: »
    €344 for the year or €378 a month which is €4536?

    I think they meanthe price goes up to 378 if you pay monthly.


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  • Registered Users, Registered Users 2 Posts: 1,866 ✭✭✭Jacovs


    Got my renewal this morning from Liberty, nearly €1500.
    Think I will go with the An Post quote of €850.

    4 years ncb
    No claims
    No points
    Over 30 years old, driving 13 years.
    1.2 litre 171 car.


  • Registered Users, Registered Users 2 Posts: 13,041 ✭✭✭✭The Nal


    Supervalue quoted me €1200

    Bank of Ireland quoted me €615

    :confused:


  • Registered Users, Registered Users 2 Posts: 3,674 ✭✭✭Faith+1


    Jacovs wrote: »
    Got my renewal this morning from Liberty, nearly €1500.
    Think I will go with the An Post quote of €850.

    4 years ncb
    No claims
    No points
    Over 30 years old, driving 13 years.
    1.2 litre 171 car.

    Seems very high?


  • Registered Users, Registered Users 2 Posts: 1,866 ✭✭✭Jacovs


    Faith+1 wrote: »
    Seems very high?

    Oh it is. Used to drive an 03 1.0 and was always around €1000 "because the age of the car". Switched to new car and they want more "because the value of the car".
    So €800-900 isnt too bad for me at the moment.


  • Registered Users, Registered Users 2 Posts: 7,883 ✭✭✭frozenfrozen


    that's an awful quote on a new car but 4 years no claims and driving 13 years, do you still have a claim on your record from the last 5 years so? in that case the quote isn't too awful


  • Registered Users, Registered Users 2 Posts: 3,674 ✭✭✭Faith+1


    Jacovs wrote: »
    Oh it is. Used to drive an 03 1.0 and was always around €1000 "because the age of the car". Switched to new car and they want more "because the value of the car".
    So €800-900 isnt too bad for me at the moment.

    You really cant win with insurance these days. I was driving an 03 myself this year and decided to upgrade to a newer model (152). Anyway, they increased the price because it was newer, yet when I had the 03 they were increasing the price because the car was old! Its a joke.

    I got my renewal with 123.ie (RSA policy) today and its gone up by 20 quid.

    So it's....

    Age 32
    Car - 1.2 Fiesta Titanium 152
    No claims - 8 years ( windscreen claim)
    Full licence 9 years
    No points

    €565 Fully comp.

    I tried pricing around and everyone is at least 150 to 200 more expensive. And the less I say about FBD the better, dont know what they're smoking when it comes to quotes.


  • Registered Users, Registered Users 2 Posts: 1,866 ✭✭✭Jacovs


    that's an awful quote on a new car but 4 years no claims and driving 13 years, do you still have a claim on your record from the last 5 years so? in that case the quote isn't too awful

    Nope no claims. Just is what it is at the moment. Will see if I add my mother in law does it make a difference, though she only has a provisional so will probably go up.


  • Registered Users, Registered Users 2 Posts: 5,303 ✭✭✭SCOOP 64


    The Nal wrote: »
    €344 for the year or €378 a month which is €4536?

    No, goes up to €378 if i pay monthly.,


  • Registered Users Posts: 48 mixer7


    Age :39
    Car type/ engine :merc c220 2007
    Year driving :10
    Any claims :no
    Price & Provider : €453 pay in full ,123.ie

    Snap their hands off ?


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  • Registered Users, Registered Users 2 Posts: 1,202 ✭✭✭99nsr125


    I just replicated this
    They quote me 666 !
    TPFT

    My stats are almost a match for yours
    Adddress might be bumping it up

    But €600 seems to be the new base quote
    mixer7 wrote: »
    Age :39
    Car type/ engine :merc c220 2007
    Year driving :10
    Any claims :no
    Price & Provider : €453 pay in full ,123.ie

    Snap their hands off ?


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