Car insurance - tell us your quotes/renewals

commited

33 Male (main driver) + 32 Female in Dublin
Car: 2007 BMW 530i LCI
NCB: 7 years
Licence: Full Irish 14 years
Points: 0
Claims: 0
Cover: Fully comp, fully protected no claims and windscreen cover.
Previous year insurance: €540 Post Insurance (estimate as I changed policy mid year from a CLK), increased excess to €600
An Post renewal price : €731

I moved the week before renewal so quotes are for new address...

Quotes:
PostInsurance (new cust): €695
Allianz: €886
AIG: €754
123.ie: €1062
Chill: €873
AA: €1700
AXA: €1484
Liberty: €1187
Aviva: €1266
25plus: €940
FBD: No quote
KennCo: €1197
Britton: €965

Once I had the above quotes, I rang PostInsurance with my new address for renewal and after some discussion etc, they came in with €592 which I'm happy with considering the car and other quotes I've been seeing others get!

cplwhisper

commited wrote: »

33 Male (main driver) + 32 Female in Dublin
Car: 2007 BMW 530i LCI
NCB: 7 years
Licence: Full Irish 14 years
Points: 0
Claims: 0
Cover: Fully comp, fully protected no claims and windscreen cover.
Previous year insurance: €540 Post Insurance (estimate as I changed policy mid year from a CLK), increased excess to €600
An Post renewal price : €731

I moved the week before renewal so quotes are for new address...

Quotes:
PostInsurance (new cust): €695
Allianz: €886
AIG: €754
123.ie: €1062
Chill: €873
AA: €1700
AXA: €1484
Liberty: €1187
Aviva: €1266
25plus: €940
FBD: No quote
KennCo: €1197
Britton: €965

Once I had the above quotes, I rang PostInsurance with my new address for renewal and after some discussion etc, they came in with €592 which I'm happy with considering the car and other quotes I've been seeing others get!

1. Confirm what is the value of the penalty point discount they have calculated you got off the premium before you got the €592

2. Confirm with An Post do you have
-total loss NCB (**)
-stepback NCB(**)
-protect NCB (**)

(**) Excess = €?? And does Fire & Theft ever effect NCB

3. Clarify how much move than the €592 will you pay if you pay be direct debit as both Deposit and interest rate can add to a lot more than €592

punisher5112

I can't understand how bad it really is, wife's dad is 64 and driving since 2000 and never claimed or crashed etc.

His insurance was €792 with his usual insurer AA and I got it for him on its4women for €492...

Still very steep to be honest.

Ford focus
1.6 petrol.


Must have missed the memo on it been a death trap as its high powered!!!!

Kuva

They must love this crack of people putting their excess through the roof, another added bonus their end.

SCOOP 64

Renewal Quote for Opel Zafira 2008 1.6 came in with Aviva,
( 2 car family 98 Astra quote already posted with BOI)
full no claims bonus,
no accidents ,
no points,
Driving years,
Fully Comp €284 or €372 if i pay monthly,
Seems a cheap quote, goes up a good bit for paying monthly i thought for over 9 months.
but €284! will pay in one go, do have €600 excess and house insurance with them don't know if that's why.

commited

cplwhisper wrote: »

1. Confirm what is the value of the penalty point discount they have calculated you got off the premium before you got the €592

2. Confirm with An Post do you have
-total loss NCB (**)
-stepback NCB(**)
-protect NCB (**)

(**) Excess = €?? And does Fire & Theft ever effect NCB

3. Clarify how much move than the €592 will you pay if you pay be direct debit as both Deposit and interest rate can add to a lot more than €592

1. No idea, have put away policy documentation but PostInsurance ad quotes 27%.
2. As stated in post above NCB is protected. Excess is €600.
3. No idea, I always pay in full so don't really care!

Edit: Just noticed you worked for AXA from other posts. Was keen to go with AXA several times in the past but for some reason I always get ludicrously high quotes from them online and can't do much better on the phone, same for my classic policy that is due soon too. That said, I've always had cars that are considered high performance in Ireland - I think this might be my cheapest ever renewal quote :pac:

lawred2

commited wrote: »

1. No idea, have put away policy documentation but PostInsurance ad quotes 27%.
2. As stated in post above NCB is protected. Excess is €600.
3. No idea, I always pay in full so don't really care!

Edit: Just noticed you worked for AXA from other posts. Was keen to go with AXA several times in the past but for some reason I always get ludicrously high quotes from them online and can't do much better on the phone, same for my classic policy that is due soon too. That said, I've always had cars that are considered high performance in Ireland - I think this might be my cheapest ever renewal quote :pac:

shopping trolleys are considered high performance for the purposes of insurance in Ireland

Sue Pa Key Pa

lawred2 wrote: »

shopping trolleys are considered high performance for the purposes of insurance in Ireland

And rightly so. If you've modified one to the extent that it is now governed by the Road Traffic Act, expect to pay a higher than normal premium

KAGY

Just to add my quotes
40+ male teacher, no penalty points, no claims,
Wife as second driver with own car / policy
161 Citroen 1.6 Diesel
Class 1 - 20000km/y
Longford <-- Big loading apparently
All excesses around the 300 mark

With AIG since 2013
2013- €292 2014=€322 2015=370 2016=€445 2017=€683 2018=€799 (renewal quote)

123.ie 767
FBD 733
AXA 763
Alliance 715
Aviva 577
Zurich - call
AIG - 877 (current insurer)
Cornmarket 857 (with 450 excess)
Blue 834 (one year)

I'll have to ring 123 as wife's with them / house policy too.

corcaigh1

KAGY wrote: »

Just to add my quotes
40+ male teacher, no penalty points, no claims,
Wife as second driver with own car / policy
161 Citroen 1.6 Diesel
Class 1 - 20000km/y
Longford <-- Big loading apparently
All excesses around the 300 mark

With AIG since 2013
2013- €292 2014=€322 2015=370 2016=€445 2017=€683 2018=€799 (renewal quote)

123.ie 767
FBD 733
AXA 763
Alliance 715
Aviva 577
Zurich - call
AIG - 877 (current insurer)
Cornmarket 857 (with 450 excess)
Blue 834 (one year)

I'll have to ring 123 as wife's with them / house policy too.

Jaysus! In your 40's driving a 161 and your wife as named driver and getting quotes of mostly 700 plus...wtf??

My own renewal is just over a €1000 with AIG for 2018. With them since 2015 and payed €550 then. Same car last 5 years (though its a 04 tdi) in my 30's with full no claims, no named driver and im fuming over that increase.

Id have thought you have the perfect profile for cheap insurance, absolute madness whats going on with insurance...sickening.

KAGY

corcaigh1 wrote: »

Jaysus! In your 40's driving a 161 and your wife as named driver and getting quotes of mostly 700 plus...wtf??

Id have thought you have the perfect profile for cheap insurance, absolute madness whats going on with insurance...sickening.

I know, but there's little you can do but bend over and take it.
Without my wife named I was quoted over a grand, and it was 100 quid or so -less- when I did a similar quote in Cavan!

ofcork

Just got my renewal from boi insured with rsa gone up to 728 from 667 last year no changes 46 full licence/no claims no points 2012 2l diesel avensis,

KAGY

Just to follow up, managed to get just below 600/with 123 when I rang them and got extra 20% discount as wife is with them, then back onto web to actually buy it for another 10%
Now I just have to put up with ask the other companies calling me back

ofcork

ofcork wrote: »

Just got my renewal from boi insured with rsa gone up to 728 from 667 last year no changes 46 full licence/no claims no points 2012 2l diesel avensis,

Tried a couple of brokers in town today all coming in over 700!

inforfun

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.....

lawred2 wrote: »

I'll be very interested to hear this

Drumroll...............

€515 renewal quote

A 25% increase.... for what?
At the same time..... cant see myself doing better anywhere else. Might give Aviva a go as they were the closest 2 years ago.

wotzgoingon

inforfun wrote: »

Drumroll...............

€515 renewal quote

A 25% increase.... for what?
At the same time..... cant see myself doing better anywhere else. Might give Aviva a go as they were the closest 2 years ago.

Seems reasonable as in there is not much other details giving. Even if you are in your 40's it still seems as good as it will get.

testicles

This post has been deleted.

inforfun

wotzgoingon wrote: »

Seems reasonable as in there is not much other details giving. Even if you are in your 40's it still seems as good as it will get.

The amount might seem reasonable, a 25% increase for no reason whatsoever or in any case no reason i contributed to, isnt reasonable.

I wish i was still in my 40's... and almost 30 years a full license. No points, "only" 8 years ncb because i lost the ncb i had in holland which was 10+ years.

rollotomasi

45 yrs
Honda Accord 2006
Using car for some business use
Full NCB, long term full licence, no points etc

Quotes include NCB protection, comprehensive, windscreen etc

Last years insurance was €874

€902 Renewal quote from 25plus.ie (after using the discount code)
€867 Britton insurance (online quote) with €500 excess


Don't think I'll ring other companies as I doubt i'll get better. Many will not insure for occasional business use.

wonski

rollotomasi wrote: »

45 yrs
Honda Accord 2006
Using car for some business use
Full NCB, long term full licence, no points etc

Quotes include NCB protection, comprehensive, windscreen etc

Last years insurance was €874

€902 Renewal quote from 25plus.ie (after using the discount code)
€867 Britton insurance (online quote) with €500 excess


Don't think I'll ring other companies as I doubt i'll get better. Many will not insure for occasional business use.

Some will, I had class 1 added without asking for it with one of the cheap companies in the past. Unfortunately don't remember which one as I switch almost every year.

rollotomasi

wonski wrote: »

Some will, I had class 1 added without asking for it with one of the cheap companies in the past. Unfortunately don't remember which one as I switch almost every year.

Ok - cool. I might give a few a call. Its just last year hardly any did without a massive jump in cost.

LemmyKilmister

Nissan Patrol 3.3l from 1988
41 y.o. From the EU. Full license since 1996.
No history as a driver in the ROI.

Quote from broker: 4220 euros

Any suggestions?

Gloomtastic!

LemmyKilmister wrote: »

Nissan Patrol 3.3l from 1988
41 y.o. From the EU. Full license since 1996.
No history as a driver in the ROI.

Quote from broker: 4220 euros

Any suggestions?

Rent a car for the year? :eek:

Casati

Gloomtastic! wrote: »

Rent a car for the year? :eek:

Renting is a good idea but you’ve an old car, very large engine and no history so aside from having a prior drink driving ban your looking at top quotes. Some companies will accept prior EU history, best go to a smaller broker like Glennons

TeaBagMania

Do you need the Patrol for a farm? if not id buy a 1L car and drive it for a few years to build NCB. The money you save on taxing a 3.3L motor should easily pay for the insurance on the 1L

LemmyKilmister

TeaBagMania wrote: »

Do you need the Patrol for a farm? if not id buy a 1L car and drive it for a few years to build NCB. The money you save on taxing a 3.3L motor should easily pay for the insurance on the 1L

The point of having such an old car is to avoid paying the hefty road tax. Many thanks for your help though.

grogi

LemmyKilmister wrote: »

Nissan Patrol 3.3l from 1988
41 y.o. From the EU. Full license since 1996.
No history as a driver in the ROI.

Quote from broker: 4220 euros

Any suggestions?

Check Allianz. They seem to accept NCB from EU, not only Ireland/UK.

Casati

LemmyKilmister wrote: »

The point of having such an old car is to avoid paying the hefty road tax. Many thanks for your help though.

Just realized that it’s 30 years old this year so you could get a vintage policy on it maybe. You could post a query on the Classic Car forum where you might get other idea

frozenfrozen

get a small 1 litre car as your daily driver and get a classic policy on the pajero

JamboMac

frozenfrozen wrote: »

get a small 1 litre car as your daily driver and get a classic policy on the pajero

Didn't think you could get vintage on Japanese/Asian cars.

frozenfrozen

JamboMac wrote: »

Didn't think you could get vintage on Japanese/Asian cars.

maybe not I don't know but you can get classic cover on some fairly young cars now too so would be worth looking into this route

Bubbles_87

My boyfriend got classic insurance on his nisan skyline r32 yesterday. €500 for the year but thats with having another car as his main driver

Shlippery

Renewal quote + bit of a discount.

€1,249.75 w/ Liberty

27 years old
1 year NCB (left country for 2 years therefore resetting driving history)
2012 1.6 Ford Focus Zetec S


Couldn't get a sniff of anything under €1600 with anyone else.

flyingsnail

30 Male, licience 10 years, 9 years NCB, no points, convictions, accidents, claims ect.. driving 2008 2.0 Petrol Mondeo, Fully Comp

Renewal with Allianz came in at 716 , down from 785 last year but I did have a car change from a 2003 1.8 Petrol Mondeo, nobody even came close to matching it.

123.ie 889.27
AA Ireland 1050
Aviva 979
AXA 990
Bank of Ireland 1213
Chill 1390
FBD 1169
First Ireland 1104
Liberty 4234.26
Sullivan insurances 1340
Zurich 1814

I did ring a few others and brokers but I stopped taking notes as they were all over 1K but Liberty did give me my annual laugh with 4234.26

lolliedog

What's the story with Liberty, you have a better chance of getting a good quote if you are 17 with a provisional license.

grogi

lolliedog wrote: »

What's the story with Liberty, you have a better chance of getting a good quote if you are 17 with a provisional license.

They are weird, indeed. I was getting much better quotes on a Corsa OPC (almost 200 bhp) than bulk standard Focus 1.6 with them...

flyingsnail

I don’t know what’s up with Liberty, I never seem to be able to get a decent quote from them, on the other hand Allianz do seem to like me

From my posts in previous years.
2016 Liberty 2162.01 (Policy with Allianz €860)
2017 Liberty 3116.84 (Policy with Allianz €785)

9935452

grogi wrote: »

lolliedog wrote: »

What's the story with Liberty, you have a better chance of getting a good quote if you are 17 with a provisional license.

They are weird, indeed. I was getting much better quotes on a Corsa OPC (almost 200 bhp) than bulk standard Focus 1.6 with them...

The car is rarer.
Less of a history of accidents with one of them I would assume

Sue Pa Key Pa

Liberty were the best for my son this year. 25, Full Licence, 1 year NCB '10 Panda. Came in at €1,350 Comp.

Cows Go µ

Sue Pa Key Pa wrote: »

Liberty were the best for my son this year. 25, Full Licence, 1 year NCB '10 Panda. Came in at €1,350 Comp.

Liberty really are going all out to get the young drivers.They seem to be consistently the cheapest for them.

lawred2

So we frequently hear about how membership of the EU is so good for us - an especially current sentiment considering Brexit.

Is it not fairly clear at this stage that incident free competent and highly insurable drivers are being gouged?

Why have Irish people not benefited from access to the plethora of insurers across the EU?

grogi

lawred2 wrote: »

So we frequently hear about how membership of the EU is so good for us - an especially current sentiment considering Brexit.

Is it not fairly clear at this stage that incident free competent and highly insurable drivers are being gouged?

Why have Irish people not benefited from access to the plethora of insurers across the EU?

Because Irish regulations are not compatible.

I can buy a temporary TPL insurance policy based on a VIN number of a car from another EU state - but any Garda I asked says it would be invalid in Ireland. It is valid and the car would eventually be released, but not worth the cost and effort unfortunately.

lawred2

grogi wrote: »

Because Irish regulations are not compatible.

I can buy a temporary TPL insurance policy based on a VIN number of a car from another EU state - but any Garda I asked says it would be invalid in Ireland. It is valid and the car would eventually be released, but not worth the cost and effort unfortunately.

I wasn't asking about insuring cars not from Ireland.

I was asking why it is not possible for Irish people to get their Irish car insured in Ireland by say an insurer in Romania?

grogi

lawred2 wrote: »

I wasn't asking about insuring cars not from Ireland.

I was asking why it is not possible for Irish people to get their Irish car insured in Ireland by say an insurer in Romania?

That was my use case. My father wanted to export an Irish car and for that needed an insurance to drive it to a ferry. He could buy a TCL insurance for a month for the sole purpose of importation - but Gardai were very consistent in saying they would retain the car if stopped.

Sue Pa Key Pa

lawred2 wrote: »

Why have Irish people not benefited from access to the plethora of insurers across the EU?

Do you mean good European companies such as Zurich, AXA, Allianz. Aviva, Royal Sunalliance, AIG etc.?

inforfun

Last year i contacted a Dutch insurer. Me being Dutch, originally a Dutch driver license got to hear: we dont insure cars abroad.

It is only 1 Eu\Europe when it suits the elite\big business.
The plebs have 1 currency and free movement as a "benefit". That currency made everything expensive and funny enough i am still asked 2x for a passport when i go back to Holland for a trip.

lawred2

Sue Pa Key Pa wrote: »

Do you mean good European companies such as Zurich, AXA, Allianz. Aviva, Royal Sunalliance, AIG etc.?

Most of those have had a presence in Ireland for a long time.

Aviva was Hibernian.
AXA was PMPA
RSA predates the EU in Ireland.
Zurich predates the EU in Ireland.
AIG are American and incorporated here in the 1970s.

I wasn't asking about companies not setting up facilities here - I was asking why Irish people can't be insured by any EU based insurer? Regardless of incorporation.

Sue Pa Key Pa

lawred2 wrote: »

Most of those have had a presence in Ireland for a long time.

Aviva was Hibernian.
AXA was PMPA
RSA predates the EU in Ireland.
Zurich predates the EU in Ireland.
AIG are American and incorporated here in the 1970s.

I wasn't asking about companies not setting up facilities here - I was asking why Irish people can't be insured by any EU based insurer? Regardless of incorporation.

You missed my point. Any European insurer interested in doing business with Irish motorists has already placed a presence here to do just that, along with loads more appointing brokers as their Underwriting Agents. No EU insurer wants to service our market from an overseas base

lawred2

Sue Pa Key Pa wrote: »

You missed my point. Any European insurer interested in doing business with Irish motorists has already placed a presence here to do just that, along with loads more appointing brokers as their Underwriting Agents. No EU insurer wants to service our market from an overseas base

I got your point. It wasn't that complex.

But it shouldn't be about setting up facilities here to service Irish customers. The EU should have no concept of 'overseas' - it's supposed to be a single market for good and services.

But yeah grand - it's fairly obvious that when the market is reduced to national boundaries with a requirement for on the ground operations (which is the opposite of how the EU is sold to EU citizens) there is going to be minimal interest in a market about the size of an average European city.

grogi

Sue Pa Key Pa wrote: »

You missed my point. Any European insurer interested in doing business with Irish motorists has already placed a presence here to do just that, along with loads more appointing brokers as their Underwriting Agents. No EU insurer wants to service our market from an overseas base

But it should be possible. Right now it is not - and not because insurers don't want to offer the cover, but it will not be considered binding here.