Car insurance - tell us your quotes/renewals

99nsr125

You're not alone there

I had a similar experience with them

shaunr68 wrote: »

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!

Jakey Rolling

So, have 9 years protected NCB with AIG (through 25Plus)
Last years premium was €433

Had a claim for €2k in November when i reversed into a bollard, damaging the quarter panel.

Renewal quote from 25Plus came in at €620, up almost 40%.

Going through the websites at the moment for quotes, and had 3 refusals so far.
Called Aviva and they told me that the refusal was due to my above claim.
The agent kindly referred me to Chill or QuoteDevil. I've dealt with Chill before and would rather avoid them!

They are sending me out a refusal letter, so If I collect three of these I can go to the ombudsman?

Anyhow, has anyone got suggestions of who I might best go to, so I don't waste too much more time form filling?
Insurance expires next Monday.

wotzgoingon

That's still a very reasonable quote from 25plus considering you had a claim.

punisher5112

Jakey Rolling wrote: »

So, have 9 years protected NCB with AIG (through 25Plus)
Last years premium was €433

Had a claim for €2k in November when i reversed into a bollard, damaging the quarter panel.

Renewal quote from 25Plus came in at €620, up almost 40%.

Going through the websites at the moment for quotes, and had 3 refusals so far.
Called Aviva and they told me that the refusal was due to my above claim.
The agent kindly referred me to Chill or QuoteDevil. I've dealt with Chill before and would rather avoid them!

They are sending me out a refusal letter, so If I collect three of these I can go to the ombudsman?

Anyhow, has anyone got suggestions of who I might best go to, so I don't waste too much more time form filling?
Insurance expires next Monday.

But you haven't been refused insurance.

Of course the others won't quote as you are locked in as you claimed.

Even if one has no claims protection etc etc they can still just increase ones premium.

grogi

Jakey Rolling wrote: »

So, have 9 years protected NCB with AIG (through 25Plus)
Last years premium was €433

Had a claim for €2k in November when i reversed into a bollard, damaging the quarter panel.

Renewal quote from 25Plus came in at €620, up almost 40%.

€620 with a claim last year?! Happy days - don't look further, you won't find a better quote.

A Law

My insurance is more than that without any claims!!

inforfun

Try a 25% increase without any claims or penalty points whatsoever.

Not saying you should just swallow it but .... i think you should just swallow it.
Would be very surprised if you can do better elsewhere.

Jakey Rolling

grogi wrote: »

€620 with a claim last year?! Happy days - don't look further, you won't find a better quote.

Car insurance is a different animal to home insurance so?

I had a €20k+ claim on house insurance few years ago, and the premium went up by only around 5% on renewal.

I thought the point of insurance was that they spread the risk by collecting premiums from many to covers the cost of the payouts to the few. I don't expect the insurer to hike my premium so that they can recover the relatively small sum that they paid out in my case - it's not like it was tens of thousands in injury compensation and legal fees!

It's a sad state of affairs when people are accepting that this is normal way for insurers to do business. We re mandated by law to have insurance, and they appear to have us over a barrel with little to no active regulation of their practices.

grogi

Jakey Rolling wrote: »

Car insurance is a different animal to home insurance so?

I had a €20k+ claim on house insurance few years ago, and the premium went up by only around 5% on renewal.

I thought the point of insurance was that they spread the risk by collecting premiums from many to covers the cost of the payouts to the few. I don't expect the insurer to hike my premium so that they can recover the relatively small sum that they paid out in my case - it's not like it was tens of thousands in injury compensation and legal fees!

You're right - it's about spreading the risk. It is not uncommon to have payments north of €100k from a single policy. Under no circumstances the insurer would recover that from the insured.

With your motor claim you were at fault, and as a result now you are much higher risk than you were before. Hence the premium hike.

Jakey Rolling

grogi wrote: »

You're right - it's about spreading the risk. But with the motor claim you were at fault, and as a result now you are much higher risk than you were before.

Lower risk surely!
I'll be more careful next time I'm reversing

Sue Pa Key Pa

Jakey Rolling wrote: »

They are sending me out a refusal letter, so If I collect three of these I can go to the ombudsman?

.

If you have a quote, the Ombudsman won't entertain you. They will assist those that cannot obtain cover. It is not their function to get you a premium you are happy with

domrush

Lads I've been getting quoted between 1300-3000 and I'm pulling my hair out at this stage.

25 year old male
06 1.6 Petrol Golf, no modifications
3 years own no claim bonus,
2 years named driver experience with no claims,
No penalty points,
Full license 5 years,
Split time between Dublin and a rural town Galway but have Galway down as address (Not sure is this advantageous or not?)
Work as an actuary

Best quote was 1250 with AXA who I've been with for 3 years, can anyone think of a better place to try? FBD, 25plus, Liberty, 123, chill , Aviva haven't been able to beat it.

wotzgoingon

domrush wrote: »

Lads I've been getting quoted between 1300-3000 and I'm pulling my hair out at this stage.

25 year old male
06 1.6 Petrol Golf, no modifications
3 years own no claim bonus,
2 years named driver experience with no claims,
No penalty points,
Full license 5 years,
Split time between Dublin and a rural town Galway but have Galway down as address (Not sure is this advantageous or not?)
Work as an actuary

Best quote was 1250 with AXA who I've been with for 3 years, can anyone think of a better place to try? FBD, 25plus, Liberty, 123, chill , Aviva haven't been able to beat it.

Sorry I can't help but who gave you the quote of €3,000?

Sexual Chocolate

KennCo might be worth a go. There coming the best for me by about €250. Brokers have said to me on the phone that there one of the cheapest at the moment.

domrush

wotzgoingon wrote: »

Sorry I can't help but who gave you the quote of €3,000?

No worries, think it was Chill.

BOI €2400 just there.

Sexual Chocolate wrote: »

KennCo might be worth a go. There coming the best for me by about €250. Brokers have said to me on the phone that there one of the cheapest at the moment.

Thanks, I tried them online but couldn't give me a quote. Worth ringing up or a waste of time? You could spend an afternoon just trying to get a quote out of 4 providers over the phone!

punisher5112

Your issue is what they would class a high risk car as it is high powered and in higher bracket.


Ridiculous yes but this is the world of insurance.

wotzgoingon

domrush wrote: »

Thanks, I tried them online but couldn't give me a quote. Worth ringing up or a waste of time? You could spend an afternoon just trying to get a quote out of 4 providers over the phone!

Some providers do give you a quote when you ring even though they wouldn't give you a quote online. I have no idea why that is or if it is all providers but in the past I done it.

Sexual Chocolate

wotzgoingon wrote: »

Some providers do give you a quote when you ring even though they wouldn't give you a quote online. I have no idea why that is or if it is all providers but in the past I done it.

I learned last week that some online systems weren't quoting me because the car had no tax.

Sexual Chocolate

domrush wrote: »

Thanks, I tried them online but couldn't give me a quote. Worth ringing up or a waste of time? You could spend an afternoon just trying to get a quote out of 4 providers over the phone!

Give them a go yeah. You age and NCB are similar to mine so its worth a try. I'm getting 870 Fully Comp from them through First Ireland on a 1.8 Civic.

Kuva

Sexual Chocolate wrote: »

I learned last week that some online systems weren't quoting me because the car had no tax.

Someone mentioned aswell that he got no quote cuz he clicked that his previous insurer wasn't irish.

Nibs05

Age 34, male
08 Peugeot 207
No points, convictions etc
3 years no claims

Been with An Post for 3years

Anpost Renewal of €1192 down to €990 (was €839 last year)
Aviva €1600
Blue insurance (Liberty) €903

Jakey Rolling

Jakey Rolling wrote: »

So, have 9 years protected NCB with AIG (through 25Plus)
Last years premium was €433

Had a claim for €2k in November when i reversed into a bollard, damaging the quarter panel.

Renewal quote from 25Plus came in at €620, up almost 40%.

So, after lots of calling around, the best I could do at short notice was to get 25Plus to reduce their quote to €580. Later noticed that a "claim loading" of approx 17% was itemised on my quote, so the other 25% increase was just a random increase. To be fair, my NCD of 65% is unaffected, and that in principle is worth around €1200 (if the €600 odd is 35% of what I would be paying without it)

Regards the "claim loading" - I think this post by donncha on Askaboutmoney puts it well:

An honest pitch for NCD protection would read something like this: "Buy NCD protection. If you make a single claim in three years, we will most likely increase your premium, but we're not telling you by how much. But it probably won't be as much as it would have been if you didn't buy NCD protection."

frozenfrozen

Can't believe you feel hard done by with a 600 euro quote after making a claim last year

That's a fraction of what others are paying with no claim

Jakey Rolling

frozenfrozen wrote: »

Can't believe you feel hard done by with a 600 euro quote after making a claim last year

That's a fraction of what others are paying with no claim

Not looking at absolute values though - it's the 42% increase, having contributed to their pot and made no previous claims in 20 years, that bothers me.

Sue Pa Key Pa

Jakey Rolling wrote: »

Not looking at absolute values though - it's the 42% increase, having contributed to their pot and made no previous claims in 20 years, that bothers me.

If the premium was constant at a 'today's money' value of €433 per year, that's €8,666 you've paid in over those 20 years. You've claimed €2,000 for the smallest type of claim which occurs, which leave €6.5k to go in to the pot to cover the large injury claims which occur for that 20 year period.

Insurance is about the communal pot looking after the sum of it's contributors and the key is t try and get everyone to chip in the right amount t cover the big stuff

Barry Badrinath

37, Male, Dublin, no points.
Full IRL licence 13 years.
2010 Audi A6 2.0 Diesel SE 136E
Windscreen claim 12 months ago.
No crashes or other claims.

2017 with Kennco €700.
2018 renewal €735.

Shopped around. €607 with Aviva is cheapest...dearest was Liberty at €1356.

ofcork

ofcork wrote: »

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

Have tried brokers and numerous companies and cannot get lower in fact over
800 seems to be the norm looks like ill have to stay.

Vanilla Cupcake

Vanilla Cupcake wrote: »

Age: 27
Car type: 04 yaris 1.0l
Years driving: 1
Claims: None
Points: None
Full Licence also
Price and Provider: 850e Liberty tpft with 2 named drivers 1 with full licence other with provisional. Cover includes breakdown assist, key cover, driving other cars, windscreen cover extra but I opted to get it.

I was getting quotes from 1900e to around 1100e from various other insurers! Liberty was definitely the cheapest.

Renewal in from liberty at 950e, all the same details as above except extra year driving and extra year ncb. Gave them a ring and they dropped it down to 850e. They told me to do a quote online and they would match it if it was lower. So i got it down to 720e! Happy enough to stick with it!

Cantona's Collars

Just got my renewal quote, €528,up from €440 last year.It was €350 the year before.:(

To cap it all,I decided to tax my car early this month as both that and the insurance fall due at the same time.The online system won't let me tax my car as my insurance will expire at the end of the month.:mad::mad:
It's stupid how insurance has an effect on whether you can tax your car or not,imo it's none of their business as to your insurance status.


Edit,did a quick online quote with Aviva (who wanted over €620 last year) and got €404.

Kuva

Cantona's Collars wrote: »

Edit,did a quick online quote with Aviva (who wanted over €620 last year) and got €404.

SOLD!

punisher5112

Cantona's Collars wrote: »

Just got my renewal quote, €528,up from €440 last year.It was €350 the year before.:(

To cap it all,I decided to tax my car early this month as both that and the insurance fall due at the same time.The online system won't let me tax my car as my insurance will expire at the end of the month.:mad::mad:
It's stupid how insurance has an effect on whether you can tax your car or not,imo it's none of their business as to your insurance status.


Edit,did a quick online quote with Aviva (who wanted over €620 last year) and got €404.

Just change insurance date for tax. It's not linked as many don't even put in correct policy number

Cantona's Collars

The missus shopping around, insurers saying "buy newer, get a cheaper quote". Gone up 6 years to a 132 plate and now they are saying "the vehicle is worth more,you pay more".
Full cover is €510. The best quote she got was €474 fully comp without step back protection.Some quotes were nearly €700.

Cantona's Collars

The missus shopping around, insurers saying "buy newer, get a cheaper quote". Gone up 6 years to a 132 plate and now they are saying "the vehicle is worth more,you pay more".
Full cover is €510. The best quote she got was €474 fully comp without step back protection.Some quotes were nearly €700.

Kuva

Cantona's Collars wrote: »

The missus shopping around, insurers saying "buy newer, get a cheaper quote". Gone up 6 years to a 132 plate and now they are saying "the vehicle is worth more,you pay more".
Full cover is €510. The best quote she got was €474 fully comp without step back protection.Some quotes were nearly €700.

No point in step back

CramCycle

Cantona's Collars wrote: »

To cap it all,I decided to tax my car early this month as both that and the insurance fall due at the same time.The online system won't let me tax my car as my insurance will expire at the end of the month.:mad::mad:

punisher5112 wrote: »

Just change insurance date for tax. It's not linked as many don't even put in correct policy number

+1 I think I have made mine up on several occasions, never made a difference

barry181091

Age 26, male
09 1.6D Fiat Bravo
Location: Cork city centre.
No points, convictions etc
0 NCB, 0 Named (As fresh as you can get according to insurance companies!)

Liberty - 3800 Fully Comp.
Boxymo - 1300-1600 depending on excess/km's etc. (Far too restrictive IMO)
25 plus.ie - 2593 (Standard) - 2737 (Xtra). (2427/2564 - 750excess)
Acorn - Kennco 2285.47 (250 excess).
Axa (Direct) - 2594 Compy, 2448 TPFT.
Britton - 2398 (500 excess), 2110 (1k excess). Comp. 2109 TPFT.
Campions - 4846 (Comp, Liberty). 3694 TPFP. (3073 comp, 2709 TPFT over the phone).
Chill.ie - Axa 2430, Asgard 2778, Kennco 3203. All comp. Similar TPFT.
First Ireland - 2402 comp (500 excess), 2114 TPFT.
Its4women - 2792(Standard), 3012 (Extra), 2614/2820-700 excess
Sheridan - Liberty 4861.
Kennco (Direct) - 2894. (Comp)


And the quote I finally went for......

The AA - AXA Fully comp, 1800, 250 excess. (Plus 7 per month for AA membership) (Included named driver who is a relative. Pro tip: Use a parent if they are clean as that will reduce it even more).

It's worth noting that theAA give one of the most comprehensive policies from what I can see and just happened to be the cheapest.

For anyone new;
i) Your address matters greatly.
ii)Type of car matters greatly.
iii) Addition of a named driver reduces premium usually but should be a parent preferably.
iv) Upping excess can reduce premium.
v) CALL THE INSURERS!! You will get much better quotes over the phone.

TeaBagMania

barry181091 wrote: »

For anyone new;
i) Your address matters greatly.

that's what I mentioned many pages ago, would be nice to have location included on quote details.

Id like to know the difference between (for example) a Dublin address and Kerry address with similar driver and vehicle details

Cantona's Collars

Kuva wrote: »

No point in step back

Any particular reason why not? It used to be standard but now it's an added extra.

barry181091

TeaBagMania wrote: »

that's what I mentioned many pages ago, would be nice to have location included on quote details.

Id like to know the difference between (for example) a Dublin address and Kerry address with similar driver and vehicle details

Edited with my rough location!

cplwhisper

Cantona's Collars wrote: »

Any particular reason why not? It used to be standard but now it's an added extra.

Most insurance staff just want to sale this give lowest cover as the may be on commission or target for new business.

Stepback should be the lowest cover all drivers have as a total loss policy could mean a simple claim would rate u as 1st time driver on your renewal price.


Also be sure u clarify that fire & Theft cover
has no excess and
no effect on NCB

TeaBagMania

barry181091 wrote: »

Edited with my rough location!

Thanks Barry, and just to be clear not looking for exact address just the county would be fine

cplwhisper

Address will assist determine

-area with high or low theft risk

-if in 50km town/city opposed to 50+km zone for impaxt claim resulting in higher injury cases

To name but a few

fxotoole

cplwhisper wrote: »

Also be sure u clarify that fire & Theft cover
has no excess and
no effect on NCB

Not sure what you mean by this? Could you clarify please?

fxotoole

barry181091 wrote: »

Included named driver who is a relative. Pro tip: Use a parent if they are clean as that will reduce it even more

I have found that this is consistently most definitely not the case.

icom

53 yrs
Kia Sportage 2016
Full NCB, long term full licence, no points etc

Quotes include NCB protection, comprehensive, windscreen etc

Last 2 years insurance was €666 from Blue Insurance

€809 Renewal quote from Blue Insurance for another 2 year policy

Does this seem reasonable, any point in haggling ?

wotzgoingon

400 a year sounds pretty damn good to me.

cplwhisper

fxotoole wrote: »

Not sure what you mean by this? Could you clarify please?

be sure u clarify that fire & Theft cover
has no excess and
no effect on NCB

As you may not have imagined, if you claimed for -
theft or attempted theft damage to your car or Fire damage

A..someone can actually lose their 3rds NCB or more
B..have to pay an excess from €100-€500

icom

icom wrote: »

53 yrs
Kia Sportage 2016
Full NCB, long term full licence, no points etc

Quotes include NCB protection, comprehensive, windscreen etc

Last 2 years insurance was €666 from Blue Insurance

€809 Renewal quote from Blue Insurance for another 2 year policy

Does this seem reasonable, any point in haggling ?

Rang them up and went into haggle mode, managed to get them down to €750 for the 2 year policy. Happy enough with that

sann

35 yrs
Male
Full ncb
9 yrs +
Kia ceed gt line. 1.0 turbo petrol. 171
Value 18000
Fully comp with protected ncb
3 points
Open driving
1 named driver. Parent
Rural Kerry.
Aviva. 435 euro. Pleased is an understatement.
Allianz renewal 720
Without the open driving, protected ncb etc i could have got it for 335 euro.
Have home and a sibling with aviva policys as well so there was a discount for that as well.

Foxx92

25 y/o male.
7 yrs named exp, 2 years in my own name
2010 Madza 3 1.6 petrol, val 7k
Galway city
3rd party f&t only.

750 last year with liberty. Tried this year with liberty again (with no link to my old account) and got quote of 1200. Got similar with AXA, BOI, AnPost,Aviva +/- 150 of 1200.

Got the renewal letter from liberty then a few days after and they offered 680 so very very happy. I'll try and get another couple euros off after a call.