Car insurance - tell us your quotes/renewals

Rattlehead_ie

Male
34
162 Focus ST3
8+ yrs no claims
Full Licence. 3 points (expire Feb 2018)

Last Yr: €917
Renewal : €1270

Blue : €827
AIG : €879
Chill : €958

Interestingly
A-Another with Car Modified : €1070

Sue Pa Key Pa

grogi wrote: »

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.

It is possible, but there is a regulation process to go through. I can assure you there are very very few insurers chomping at the bit to do business here.

Sue Pa Key Pa

lawred2 wrote: »

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.

There are logistical reasons why insurers prefer to have a base in the country they trade in. Inspecting vehicles, interviewing witnesses, local repair arrangements, liaising with legal representatives and by no means least, local knowledge. That is why foreign insurers are either here already or appoint underwriting agencies in this jurisdiction.

grogi

Sue Pa Key Pa wrote: »

It is possible, but there is a regulation process to go through. I can assure you there are very very few insurers chomping at the bit to do business here.

And that's exactly where the "EU thing" is failing. Regulatory etc.

Sue Pa Key Pa

grogi wrote: »

And that's exactly where the "EU thing" is failing. Regulatory etc.

Yeah, soft regulation in the financial sector would be a good thing

spookwoman

Hope something is done about charging people extra because of profession etc. I get penalized because I don't work yet I do general checks and will replace bulbs tyres etc myself. Car get serviced every year etc and is made sure to be roadworthy

grogi

Sue Pa Key Pa wrote: »

Yeah, soft regulation in the financial sector would be a good thing

Are you saying that Irish regulation is the best one?!

Sue Pa Key Pa

grogi wrote: »

Are you saying that Irish regulation is the best one?!

I'm saying it is better than we had before. Anyway, it's off topic. Bottom line is that foreign insurers do not find doing business with Irish motorists an attractive proposition, even at the level of premiums available. We need to address the root causes of that.

quadrifoglio verde

Age 26
Car 1997 Lancia y 1.2 16v
Insurance fully comp
Cost 20 quid to put on my classic policy

grogi

Sue Pa Key Pa wrote: »

I'm saying it is better than we had before. Anyway, it's off topic. Bottom line is that foreign insurers do not find doing business with Irish motorists an attractive proposition, even at the level of premiums available. We need to address the root causes of that.

That's not true. I know insurers that would do business with me, but I don't because of the legalities in here.

Sue Pa Key Pa

grogi wrote: »

That's not true. I know insurers that would do business with me, but I don't because of the legalities in here.

There is nothing to stop them complying with the 'legalities', as you put it and trade with you then.

bluezulu49

bluezulu49 wrote: »

RENEWAL 2016. M 66 & F 62 with own car and insurance.

No points for either of us with full licences from 1986 and 1977 respectively and 7 and 9 years claim free so full no claims bonus for both.

Peugeot 406 HDI 2.0 2004

Comprehensive with full ncb cover

I got 10 quotes as follows:-

• Aviva 495.47
• FBD 538.69
• 123.ie 554.91
• Allianz 567.20
• AA Insurance 573.36
• One Direct 630.45
• Liberty 662.23
• AXA 820.55
• AIG 871.17
• Supervalu 880.62

Cover last year was with Allianz and cost €380. They reduced their quote to €520 when I rang them but in the end I went with Aviva who would not budge on the car insurance cost but reduced my house insurance by C €30 as a result of taking their motor insurance. Three cars in the family now insured with Aviva.

It seems to me that the determining factor in the premium increase is the age of the vehicle as we are both retired so no commuting at rush hour and small mileage being driven ( 6000 miles per year now).

The above was my renewal situation in January 2016.

I renewed my comprehensive insurance yesterday with Aviva for the same vehicle which is now 14 years old for €380.02, down from €491.11 last year.

inforfun

Enjoy it why you can....
When I saw your quote i went for one myself since Aviva were a close 2nd as it came to being my best option 2 years ago.

Now i got this:



My car was born in 03.....

bluezulu49

inforfun wrote: »

Enjoy it why you can....
When I saw your quote i went for one myself since Aviva were a close 2nd as it came to being my best option 2 years ago.

Now i got this:



My car was born in 03.....

Key difference is that I am not changing insurance companies as the car has been covered by Aviva since 2016.

inforfun

Guess we have to wait and see.
GF works for an insurer (UK based), they kick people out for less than age of car if they want to.

shaunr68

Hi all, just comparing insurance quotes, grateful for recommendations as to who else to try.

2014 Toyota Auris estate, 1.4 Diesel.
Main driver female 46, additional driver male 49. Full NCB earned in UK, full UK licences >20 years, no claims, convictions etc. Main driver has type 1 insulin controlled diabetes. Use social, domestic and pleasure, <10,000 KM per year.

Quotes so far:

123.ie €618
Chill €628
AA €664
An Post €563 now €480
Axa €633
its4women Online quote not available
Simply €693
Liberty €619
Allianz No quote, driver number format
Hastings €698
No Nonsense/FBD Online quote not available

An Post came down to €480 when I told them I had several quotes in the same range as theirs, so will phone a few others and go ahead with that policy if I can't get a better quote elsewhere.

These prices are a bitter pill to swallow when we were previously paying £228 to insure a 2 litre van.

Thanks

wotzgoingon

To be honest those quotes above seem very reasonable to me. You also cannot compare UK insurance prices against Irish but also just be glad you have a modern small diesel engine or you would also have a bitter pill to swallow to tax the car.

Autosport

Try Avivia or try The AA

Rowley Birkin QC

Male
32
2008 3.0 BMW 325i MSport Coupe
9+ yrs no claims
Full Licence
+ 28 yo wife, Full Irish License <1 ye

Best quote so far has been An Post @ €707 fully comp.

AA: €880
123.ie: €1200
Allianz: €1080

Would like to get it closer to €500.

SCOOP 64

Rowley Birkin QC wrote: »

Male
32
2008 3.0 BMW 325i MSport Coupe
9+ yrs no claims
Full Licence
+ 28 yo wife, Full Irish License <1 ye

Best quote so far has been An Post @ €707 fully comp.

AA: €880
123.ie: €1200
Allianz: €1080

Would like to get it closer to €500.

€500! €707 don't seem too bad to me for what your driving.

shaunr68

Autosport wrote: »

Try Avivia or try The AA

Tried an online quote with Aviva and got the message "We are unable to complete your quote online."

However when I changed previous insurer from "other non-Ireland" to an Irish based insurer from the drop-down list the price was quoted as €373, by far the cheapest yet.

I've just phoned them and they will honour that price as long as I can supply the proof of NCB from Direct Line in the UK. Pretty happy at that price.

Thank you.

Gloomtastic!

Male 52
2004 Renault Kangoo 1.2
No Points
4 years NCB

Bargain quote last year of €450 from Axa

Renewal came through this year for €560. Called them up to see if they could reduce it and they brought it down to €470.

Mrs G!
Late 40's
2005 Rav 4
No Points
10 years + NCB
Last year Axa quoted €400, renewed this year at €470, down to €455 after asking.

Thank you very much Axa!

Sue Pa Key Pa

Mmmm! A few indicators lately that premiums are coming down for some people. Time for me to remind the Cartel of their obligations to the group.

ofcork

Only for some though mine jumped to 728 from 667 and cannot get lower yet.

Sexual Chocolate

Is it true that Aviva dont quote honda vtecs ? Even the newer more civilised ones ?

IrishGrimReaper

Pretty sure they quoted me(May 2017) on mine 2012 1.8 but it was like 3000, liberty was 886.

inforfun

Sue Pa Key Pa wrote: »

Mmmm! A few indicators lately that premiums are coming down for some people. Time for me to remind the Cartel of their obligations to the group.

Nice one.

2 quotes that actually work out better than the previous year and you come out with this.

Quotes should come down or at least stay level for people when nothing changes in their details bar age, age of car and 1 year more NCB.
Not increase with, for me for instance, 25%.

arleitiss

If I am to hit 25 years of age on 28th of May and my insurance is up on 25th of May, from what I heard - you're no longer young driver after 25, can I somehow coast without insurance for 3 days (would just work from home) or will all my 6 years NCB be gone?

Sexual Chocolate

Male
24
Driving 7 years but soon to be 5 NCB in my own name.
No Points or claims
07 1.8 i-vtec Civic
Insured with KennCo

Renewal €870 Fully Comp, €839 TPFT

Last year I paid about €1000 TPFT on a 2.5 Mondeo (which was decent imo), however mid policy when I wanted to change over to a different 1.8 Civic they wanted 400 extra, i stuck with the Mondeo. Naturally though I thought they were going to rape me on my renewal this year but clearly not.

Only issue is that when I turn 25 in the summer they still wont allow me third party extension until my policy is up again in Feb 19 which is really annoying so I'm gonna do some more shopping around but so far they do seem the cheapest followed by FBD @1100.

Chill insurance with Asgard and AXA seem the most expensive at nearly €2k :eek:

punisher5112

arleitiss wrote: »

If I am to hit 25 years of age on 28th of May and my insurance is up on 25th of May, from what I heard - you're no longer young driver after 25, can I somehow coast without insurance for 3 days (would just work from home) or will all my 6 years NCB be gone?

You keep no claims for 2 years.

inforfun

arleitiss wrote: »

If I am to hit 25 years of age on 28th of May and my insurance is up on 25th of May, from what I heard - you're no longer young driver after 25, can I somehow coast without insurance for 3 days (would just work from home) or will all my 6 years NCB be gone?

If you change insurers you just tell them to have it start on the 28th because you are celebrating your birthday abroad....

Whatever you do, dont even go to the spar around the corner by car in those 3 days. Murphy and his law will be waiting for you.

inna981

Age:22 M
Car type and engine: 03 Ford Focus 1.4 Petrol
years driving:1
any claims:0
Price and provider: €1117 with Liberty. They're having a sale atm for new policies

Does anyone know if it includes the third party open drive extension? It would be great as petrol is expensive

shaunr68

inforfun wrote: »

If you change insurers you just tell them to have it start on the 28th because you are celebrating your birthday abroad....

Whatever you do, dont even go to the spar around the corner by car in those 3 days. Murphy and his law will be waiting for you.

Lock your car up well too, sod's law it will be nicked while uninsured! Remove some parts from it - battery or a wheel or two? What's the modern equivalent of removing the rotor arm?

Happened to a mate of mine when he bought a car many years ago, for some reason he had the insurance start at midnight. He went out to check on it just before midnight and it was gone. (Un)fortunately a police car happened to be passing so he flagged it down and reported the car stolen so it was on record that the vehicle had been stolen prior to the insurance cover starting. Guess what though, they paid out!!

Caranica

Female
41
11 years full licence
10+ years NCB
No penalty points
1claim 4 years ago, no fault, other driver's insurance repaid mine
1.4 Toyota Auris - 4 years old
Fully comprehensive

Was insured with AIG through its4women, 585 last year (1.4 2004 focus at renewal time), renewal 634. Many quotes were around 700 so bit FBD's hand off at 484!

Cantona's Collars

The wife's car insurance last year was €500.

The reason was "over 10 years old and big engine."

Upgraded to a newer car, smaller engine.The spiel from insurance companies was "older cars are more of a risk,newer cars attract lower premiums" Lol.
Anyhow,new quote arrived and comes in at €675. They can do one.

OH insurance

Female, 49 plus spouse 47 in Naas, 172 Renault Clio
No claims or points. 20+ licence, full NCB.
Comprehensive Insurance with protected NCB, Breakdown Assist etc.

Last year with Aviva was €445. Renewal came in at €375. No point in looking for other quotes, Will just renew with Aviva.

TeaBagMania

inna981 wrote: »

Age:22 M
Car type and engine: 03 Ford Focus 1.4 Petrol
years driving:1
any claims:0
Price and provider: €1117 with Liberty. They're having a sale atm for new policies

considering the age of the car and driver that's a damn good deal.

just out of curiosity what was your first years premium with zero years driving?

punisher5112

Tried to better my quote of €1930 but no joy so it's basically increased€100-€150 a year the last 4 years.

Very unhappy.

wotzgoingon

inna981 wrote: »

Age:22 M
Car type and engine: 03 Ford Focus 1.4 Petrol
years driving:1
any claims:0
Price and provider: €1117 with Liberty. They're having a sale atm for new policies

Does anyone know if it includes the third party open drive extension? It would be great as petrol is expensive

That is very cheap considering your age and lack of NCB.

Rowley Birkin QC

SCOOP 64 wrote: »

€500! €707 don't seem too bad to me for what your driving.

Couldn't get any better. It ended up being €735 with full NCB protection.

Autosport

Insurance renewal time here and I’m absolutely shocked at my renewal price

€1,050 :eek: Haven’t had a quote that high since I started driving.

Female
30+
171 Mercedes Benz
0 penalty points
6+ no claims bonus
Fully comprehensive
Open driving


Last years price was €750 that’s a massive hike

inna981

TeaBagMania wrote: »

considering the age of the car and driver that's a damn good deal.

just out of curiosity what was your first years premium with zero years driving?

It was something around 1225 with Boxymo plus top up km which brought it to about 1500

Hasmunch

Hasmunch wrote: »

Just got my renewal letter form Aviva yesterday...
Gender: M
Age: 29
Car: 10 Ford Mondeo 2.0 Diesel
NCD: 5+ Years
Licence: 10 Years, No Points
Cover: Comp, 600 Excess with Protected NCD
Last Year:2016 €633 Aviva
Renewal: 2017 €640 Aviva

Got my renewal this week. 2018 €484 still with Aviva
Nice drop for some unknown reason but i am not complaining.

shaunr68

shaunr68 wrote: »

Tried an online quote with Aviva and got the message "We are unable to complete your quote online."

However when I changed previous insurer from "other non-Ireland" to an Irish based insurer from the drop-down list the price was quoted as €373, by far the cheapest yet.

I've just phoned them and they will honour that price as long as I can supply the proof of NCB from Direct Line in the UK. Pretty happy at that price.

Thank you.

Just a follow-up for info. Aviva were completely incompetent, feckless, frustrating, inept, clueless. They quite understandably wanted proof that I'd cancelled the UK policy as well as evidence of the no claims bonus before we could take out a policy with them. Fair enough, obtained .PDF evidence of no claims from UK insurer which also stated the policy end date as 18/01/18, and sent to Aviva by email. Phoned them later the same day. "Thanks, we will need to send this all over to the underwriters for authorisation, it might take some time, phone us back in a week!" A bloody week, we live out in the middle of nowhere and have no other means of transport. They hadn't given us any indication that there would be a significant delay while they dithered over the documentation.

They finally got back to me and said that because the final period of cover on the UK policy was less than a full year (I'd cancelled the policy last week, 6 months from renewal) that it would not be sufficient evidence of 5 full years no claims discount. This despite the evidence of no claims document from Direct Line UK stating 10 years no claims discount (we're actually 20+ years claim free but the bonus maxes out at 10). So how does a document confirming 9 1/2 years NCD not satisfy a requirement to prove at least 5 years NCD? They can't even count! F&$*wits!!

Sent Aviva a snotty e-mail and paid €480 for the An Post policy, €100 dearer but they were a pleasure to deal, phoned me back when they said they would, sent documents promptly with and I got the impression that they were capable of tying their own shoelaces.

I wouldn't touch Aviva with a s**tty stick!

Liam McPoyle

Funnily my dad got his Aviva renewal out this year.

He paid €507 last year for fully comp, himself and my mam only driving, full NCD protection. He is 63 and retired / part time farmer. Car is a 2013 2l avensis.

He had a claim mid year for €5000 when my man crashed into a van. Thankfully no injury claim came through and the claim has settled.

Renewal arrived for €485 all in.

He was delighted with that and the speed and ease of the claims process.

Kuva

Business Cat wrote: »

Thankfully no injury claim came through and the claim has settled.

:eek::eek::eek::eek:

Was someone actually in the van??

Liam McPoyle

Kuva wrote: »

:eek::eek::eek::eek:

Was someone actually in the van??

Yep, but it wasn't a van full of people of a certain now ethnic persuasion, luckily.

frozenfrozen

that's a focking racket why do my family and I get ****** every year for insurance and none of us ever claimed and never would even if there was an accident yet someone can claim for 5000 euro and still get a 500 odd euro quote?

wotzgoingon

frozenfrozen wrote: »

that's a focking racket why do my family and I get raped every year for insurance and none of us ever claimed and never would even if there was an accident yet someone can claim for 5000 euro and still get a 500 odd euro quote?

I know it doesn't make sense at all. I had a claim once years ago but I paid for it this is going back before they even had protect your NCB. But I cannot complain as I got reasonable quote this year on a 1998 jap import entry level performance Toyota Levin BZ-R.

punisher5112

My insurance doubled.... Was 1k now just €1980.....
I haven't claimed.