Car insurance - tell us your quotes/renewals

spookwoman

barry181091 wrote: »

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.

Remember to cancel aa membership if you dont plan on renewing it. they automatically renew it without asking.

johndaman66

37 year old male;
Full Irish license held 16 year, 0 penalty points;
11 years ncb, no claims, no convictions, no accidents;
2004 Toyota Corolla 1.4 t3 5dr hatchback.


Some quotes I got;


1. 123.ie €760 for comprehensive cover.


2. An post insurance - over €1,100 for comprehensive cover. Consistently the most expensive every year by a long shot despite the amount of crap they push through the door promising you the world. Won't be contacting them next year and possibly putting a no junk mail sign up on the door too.


3. Allianz direct -
TPF&T - €427.80
Comp Cover add - €10.98
Bonus protection cover add - €11.77
Driving other cars cover add - €3.91
Windscreen cover add - €14.70
Breakdown cover add - €37.80
Negotiation discount (I drive a tough bargain) subtract - €57.04
Total - €449.93

99nsr125

I just entered all your details and they're quoting €750 TPFT

Address may be a back door gouging excuse

johndaman66 wrote: »

37 year old male;
Full Irish license held 16 year, 0 penalty points;
11 years ncb, no claims, no convictions, no accidents;
2004 Toyota Corolla 1.4 t3 5dr hatchback.


Some quotes I got;


1. 123.ie €760 for comprehensive cover.


2. An post insurance - over €1,100 for comprehensive cover. Consistently the most expensive every year by a long shot despite the amount of crap they push through the door promising you the world. Won't be contacting them next year and possibly putting a no junk mail sign up on the door too.


3. Allianz direct -
TPF&T - €427.80
Comp Cover add - €10.98
Bonus protection cover add - €11.77
Driving other cars cover add - €3.91
Windscreen cover add - €14.70
Breakdown cover add - €37.80
Negotiation discount (I drive a tough bargain) subtract - €57.04
Total - €449.93

99nsr125

I changed the car to an Audi S6 Quattro
€930 comprehensive, now that's a rockin' quote :-)

99nsr125 wrote: »

I just entered all your details and they're quoting €750 TPFT

Address may be a back door gouging excuse

Cantona's Collars

I posted a quote a couple of weeks ago when my first renewal invitation arrived. €528 to renew. Cheapest quote was €424 with step back from Aviva
Rang my insurer just now,€420 with all the bells and whistles, underwriter is Aviva.
2008 Lancer 1.5.

firstlight

Just a quick question,How early can i start getting quotes before my insurance is up?
its up the first week of april

Thanks
Not looking forward to getting fleeced

CramCycle

CramCycle wrote: »

Age: 36
Car type: 05 Rav4
Years driving: 18
Claims: None
Points: None
Full Licence
Price and Provider: 880 AA via AXA with one named driver . Up 500euro from last year. Went to Allianz after another poster here with same details. Down to 530euro. Will ring back AA and get it down again but why they make me jump through hoops every bloody year is beyond me.

So it comes around again. Despite a newer car, Allianz have jumped slightly and are not budging (570euro), but the AA won't even quote me, neither will anyone else.

Now 20years driving experience with no tickets, fines or crashes, my partner is exactly the same, and no one will quote us. WTF?!?

pawrick

firstlight wrote: »

Just a quick question,How early can i start getting quotes before my insurance is up?
its up the first week of april

Thanks
Not looking forward to getting fleeced

quotes are usually valid for a month (they will say in the quotes you get)

firstlight

pawrick wrote: »

quotes are usually valid for a month (they will say in the quotes you get)

Thanks

Nate--IRL--

Well it's that time of year again to lube up....

Age: 38
Car type: 171 Civic
Years driving: 4
Claims: None
Points: None
Full Licence
Price and Provider:

Renewal up from €750 for an 05 Honda Jazz to €1045 for the Civic. Some Quotes are ridiculous AXA = €1620, Aliance €1200 or so. Aviva Semi-reasonable at €832, but by far the best so far is BOI at €630.

All of the above are for fully comp and Class 2 business use.

I'm going to ask my current Broker to match BOI and see what happens. Otherwise its off to BOI.

Nate

student7890

08 Avensis 1.6
50 year old driver
no claims 9 yrs
no points
full Irish licence

Allianz renewal €481 tpft
Aviva €758 tpft
123.ie €461 tpft
25 plus €415 comp

SCOOP 64

student7890 wrote: »

08 Avensis 1.6
50 year old driver
no claims 9 yrs
no points
full Irish licence

Allianz renewal €481 tpft
Aviva €758 tpft
123.ie €461 tpft
25 plus €415 comp

wonder why big difference in quote to me,im same age as you,
my car zafira 2008 1.6, full no claims bonus ,no points ,no claims,
Aviva €280 fully comp, against yours Aviva €758 tpft ,must be area ?

student7890

SCOOP 64 wrote: »

wonder why big difference in quote to me,im same age as you,
my car zafira 2008 1.6, full no claims bonus ,no points ,no claims,
Aviva €280 fully comp, against yours Aviva €758 tpft ,must be area ?

I guess so, I've had a quote from them before but never been insured by Aviva so I would be a new customer.

I live near a well known rough spot but they're not able to climb the gates.

I won't overthink it.

over25 €415 HEWT

Johngoose

icom wrote: »

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

Amazing deal considering it’s for two years

Nate--IRL--

I swear these websites just use a random number generator.



Nate

firstlight

Tryed Over 25.ie
Would not even quote for a car over 15 years old with NCT

Please somebody tell me what is the point of the NCT??????

wotzgoingon

firstlight wrote: »

Tryed Over 25.ie
Would not even quote for a car over 15 years old with NCT

Please somebody tell me what is the point of the NCT??????

Try Liberty I am insured on a Jap import 20 year old car with them.

firstlight

wotzgoingon wrote: »

Try Liberty I am insured on a Jap import 20 year old car with them.

Thanks mate
Was with them before for 8 years and left because they were giving me astronomical quotes
Would not give them another penny

opus

05 Civic 2.0
50 year old male driver
no claims max
no points
full Irish licence

its4women renewal €562 tpft (+€92 over 2017)
FBD €400 tpft
123.ie €552 tpft
broker €589 tpft

Went for FBD as useful €70 less than last year. Lot of insurers don't like the age of my car I think.

wonski

Renewal time

05 Volvo s40 1.8 petrol
36 years young male (not that the sex matters)
7 years full Irish license
8 years NCB

3 penalty points for speeding in Dec 2015

123 renewal €750 TPFT
AnPost €1016 TPFT
AA €903
AIB €947
25Plus €776 (Comprehensive, no TPFT available)
Aviva - no quote, they claim not to insure cars over 14 years old, but mine failed the criteria straight away, despite not being that old yet. Changing to 08 would give me quotes of 500-700 depending on the car picked.

Liberty - €804 (TPFT)

When it comes to Liberty they found a sneaky way around marketing preferences, though:



You have to accept T&C, Data Privacy and Marketing all at the same time, unless you spot a little link underneath to opt out:mad: Sneaky way. Most customers would fall for it I guess as You cannot continue with a quote without ticking it.

I opted out of course:



Be aware of that.

Have two more quotes coming in later, one from the company group scheme, hopefully they can be under €700... Could be worse I guess.

Apologies for going ot with this marketing issue, but shame on them tbh.

Demosthenes

26 year old male, new driver, Cork City
1.4l petrol Golf 2005
0 years driving
0 years no claims
0 years named driver
0 points
Fresh as it gets essentially

Axa (via chill over the phone) €3090 Comp or €2790 TPFT
Axa (via Sheridan Insurance) €3254.30
Axa (Direct, Online) €2793.66 Comp or €2636.56 TPFT
Liberty (Direct, Online) €4796.06 Comp or €3736.39 TPFT
Liberty (via Sheridans) €5028.39
Kennco (via QuoteMe) €5359 Comp or €4662 TPFT
TopInsure (Online) €5583.45 Comp or €4858.29 TPFT
25Plus.ie €2774.08 Comp or €2486.17 TPFT
BoxyMo €991 - €1197.48 Comp dependent on KM limits of 8000-12000
Its4Women €2819.66 Comp or €2677.51 TPFT
FirstIreland €2498 Comp or €2181.67 TPFT
CoverInAClick (Phone) €3035 Comp
Allianz (via the AA over phone) €2297.22 Comp
Allianz (Direct, phone) Would not quote.
Acorn (over the phone) would not quote
BOI would not quote
AnPost would not quote

As much as I hate the idea of the limitations around BoxyMo, the difference in price is enough to make me consider their poorly reveiwed service.
Can anyone with experience with them fill me in on possible hidden costs and mainly how much do the top-up KMs cost on average?

Anyone working in insurance should feel ashamed to be passing on these ridiculous quotes and anyone involved in the fraudulent activities that are supposedly propping up these prices should be stripped of their benefits, banned from roads for life and sterilised to prevent future impacts on society.

duffman3833

Demosthenes wrote: »

26 year old male, new driver, Cork City
1.4l petrol Golf 2005
0 years driving
0 years no claims
0 years named driver
0 points
Fresh as it gets essentially

I think starting off with a 1.4 golf doesn't help, i started with a 1.0 corsa. Golfs are very common also so doesn't help the price
My ex used boxymo, it was grand for the first year, but pain in the ass if you encounter a speed limit less than 50kmh as its hard to drive any slower
They will do for your first year but there stats aren't accurate at all.

TheBoyFromAus

Demosthenes wrote: »

26 year old male, new driver, Cork City
1.4l petrol Golf 2005
0 years driving
0 years no claims
0 years named driver
0 points
Fresh as it gets essentially

Axa (via chill over the phone) €3090 Comp or €2790 TPFT
Axa (via Sheridan Insurance) €3254.30
Axa (Direct, Online) €2793.66 Comp or €2636.56 TPFT
Liberty (Direct, Online) €4796.06 Comp or €3736.39 TPFT
Liberty (via Sheridans) €5028.39
Kennco (via QuoteMe) €5359 Comp or €4662 TPFT
TopInsure (Online) €5583.45 Comp or €4858.29 TPFT
25Plus.ie €2774.08 Comp or €2486.17 TPFT
BoxyMo €991 - €1197.48 Comp dependent on KM limits of 8000-12000
Its4Women €2819.66 Comp or €2677.51 TPFT
FirstIreland €2498 Comp or €2181.67 TPFT
CoverInAClick (Phone) €3035 Comp
Allianz (via the AA over phone) €2297.22 Comp
Allianz (Direct, phone) Would not quote.
Acorn (over the phone) would not quote
BOI would not quote
AnPost would not quote

As much as I hate the idea of the limitations around BoxyMo, the difference in price is enough to make me consider their poorly reveiwed service.
Can anyone with experience with them fill me in on possible hidden costs and mainly how much do the top-up KMs cost on average?

Anyone working in insurance should feel ashamed to be passing on these ridiculous quotes and anyone involved in the fraudulent activities that are supposedly propping up these prices should be stripped of their benefits, banned from roads for life and sterilised to prevent future impacts on society.

I have 6 years NCD from Australia, been driving 9 years without ever even a parking ticket and im getting fleeced for €4,600 unless i can find a way around.

Demosthenes

duffman3833 wrote: »

I think starting off with a 1.4 golf doesn't help, i started with a 1.0 corsa. Golfs are very common also so doesn't help the price
My ex used boxymo, it was grand for the first year, but pain in the ass if you encounter a speed limit less than 50kmh as its hard to drive any slower
They will do for your first year but there stats aren't accurate at all.

I agree, however I found it suprisingly difficult to pick up a small engined car in good condition that wasn't either ancient or overpriced. I suppose people keep those cars in the family and pass them down. I did get a very good deal on the golf though. How would a golf being common have a negative effect on the price? Surely a more common car would reduce price as easier to get parts etc?

I wouldn't be able renew with BoxyMo anyways after first year, as 26 is their age limit. I'm mostly just concerned with any hidden costs they might try and land me with.

duffman3833

Demosthenes wrote: »

How would a golf being common have a negative effect on the price? Surely a more common car would reduce price as easier to get parts etc?

Because its more common, more likely those models to be in a crash. I had a mk5 04 1.9tdi golf a few years. Upgraded to 07 BMW 118d and i got a refund to upgrade, something like €67 back, and when i asked girl on phone, she simply said its not a common car. This was a few years ago

TeaBagMania

yep I think the age of the car and size of the motor aren't helping but 1K for a first year driver... id roll with boxymo

Autosport

Age: 30+
Female
Car : 171 MB C200d AMG
Years driving: 10+
Excess:€150
No Claims : 9+
Penalty Points : 0
Price and Provider : €990 Avivia through The AA

Axa: €1500
An Post: €1250
Liberty: €1340
Avivia: €800
Chill Ins: €2000-€5000
123.ie : €1500-€3000

These quotes are fully comp but I went with Avivia through The AA has it’s fully comp to include the driving of other cars aswell.

Although i didnt realise I fly an aeroplane

wotzgoingon

Autosport wrote: »

Age: 30+
Female
Car : 171 MB C200d AMG
Years driving: 10+
Excess:€150
Claims : 0
Penalty Points : 0
Price and Provider : €990 Avivia through The AA

Axa: €1500
An Post: €1250
Liberty: €1340
Avivia: €800
Chill Ins: €2000-€5000
123.ie : €1500-€3000

These quotes are fully comp but I went with Avivia through The AA has it’s fully comp to include the driving of other cars aswell.

Although i didnt realise I fly an aeroplane

How much NCB do you have? If it's low they are reasonable enough but if you have a fair bit of NCB it's dear enough.

Autosport

wotzgoingon wrote: »

How much NCB do you have? If it's low they are reasonable enough but if you have a fair bit of NCB it's dear enough.

9 years or more

Fann Linn

Autosport wrote: »

9 years or more

Would you increase the excess perhaps?

Autosport

Fann Linn wrote: »

Would you increase the excess perhaps?

That’s the excess that AA charge but in the case of an accident or death they pay out over €70,000 whereas others don’t. I should also say that has an AA member I received a 10% discount. I can understand why others don’t bother with paying insurance.

Demosthenes

TheBoyFromAus wrote: »

I have 6 years NCD from Australia, been driving 9 years without ever even a parking ticket and im getting fleeced for €4,600 unless i can find a way around.

You can definitely do better than €4600, i'd recommend calling the AA - they were the most keen to get me on their books and offered the most competitive fully comp insurance.

wotzgoingon

Autosport wrote: »

9 years or more

Your being ripped off with them quotes with 9 years NCB.

TheBoyFromAus

Demosthenes wrote: »

You can definitely do better than €4600, i'd recommend calling the AA - they were the most keen to get me on their books and offered the most competitive fully comp insurance.

Only been in the country since December, so their underwriters wont cover me. The system is well against me on this unfortunately. I paid less than 1,000 AUD back home for comprehensive on a $20k car when i was 21. INsurance here is absolute robbery.

NearlyForty

I went from a 2005 2 litre Santa fea to a 2007 1.8 litre Mazda 5 and my Insurance (fully comp) went from e865 down to e536 this year.. Thrilled with myself.. I had been with a broker for years thinking I was getting a good deal, but decided to look for quotes myself this year and got a much better quote with Allianz
Female, 38, 10+ ncb, 10+ full licence etc..

TeaBagMania

TheBoyFromAus wrote: »

INsurance here is absolute robbery.

Yes it is, my credit card covers insurance on car hires in every country on the planet with the exception of North Korea and Ireland, WTF is wrong with Ireland?

wassie

TheBoyFromAus wrote: »

Only been in the country since December, so their underwriters wont cover me. The system is well against me on this unfortunately. I paid less than 1,000 AUD back home for comprehensive on a $20k car when i was 21. INsurance here is absolute robbery.

Have you gotten a letter from your insurer in Australia regarding your no claims bonus/discount (assuming you were the policy holder)? There are definitely insurers that will accept this.

TheBoyFromAus

wassie wrote: »

Have you gotten a letter from your insurer in Australia regarding your no claims bonus/discount (assuming you were the policy holder)? There are definitely insurers that will accept this.

My last insurance policy expired in Nov 2015 so it wont be accepted. I was driving on my partners policy for the next two years but in Australia, because I was over 25 i didnt need to be named on the policy, so there is a bit of back and forth involved with insurance companies atm.

All that aside, insurance here is still extortionate.

ectoraige

Renewal time has come around, and this year it has actually dropped by €32.18!

Here are the fruits of my evening comparing other insurers:

Car: 2010 Citroen C4 Grand Picasso
Policyholder: 38/F
Named Driver: 40/M
NCB: 6+ years
Full Irish Licences: 10+ years

Comprehensive w/ €300 excess
Breakdown assist
NCD Protection + Stepback
Windscreen Cover

Renewal from 123.ie (RSA): €492.25, I ran through the site to for a new quote and got €681.01

These are prices for similar offerings from competitors:
CompareInsuranceIreland.ie (AXA) €641.98
AA: €723.71 (including buying AA membership)
Chill.ie (AXA): €729.06
Aviva: €737.46
An Post: €740.79
Blue: €765.00
Allianz: €791.26
Liberty: €1,107.35

The funniest thing I noticed was Blue offered TPFT for the same price as comprehensive. I couldn't get a quote directly from AXA as their own site is down for maintenance.

That renewal price from 123.ie includes an online discount - if I renew over the phone then the quote is €549.94, so I don't expect I'll get anything trying to haggle with them. I'll still try though...

jaxxx

Saw an ad on the telly about An Post insurance offering what looked like decent discounts for long term no claims. Insurance isn't due till the summer but I took a little look anyway. €1400. Paid €700-something last year to current insurer... That was a hole lot of something which ended up a complete nothing.

Kuva

jaxxx wrote: »

Saw an ad on the telly about An Post insurance offering what looked like decent discounts for long term no claims. Insurance isn't due till the summer but I took a little look anyway. €1400. Paid €700-something last year to current insurer... That was a hole lot of something which ended up a complete nothing.

I wonder who they take on, I do the looking for quotes for a few people every year, vastly different details and have never got anything but stupid quotes from them in years.

ectoraige

Kuva wrote: »

I wonder who they take on, I do the looking for quotes for a few people every year, vastly different details and have never got anything but stupid quotes from them in years.

We had our first car about a decade ago, and An Post were one of the most competitive insurers for us as a couple in late 20s/early 30s with the policy in my wife's name and me as a named driver. We bounced between them and 123.ie for a few years, and then they suddenly became a significantly more expensive, probably around 2012/2013.

LithiumKid1976

25plus quoted me €1300 for fully comp,10 years no claims, 10 year full license, 3 pen points... on an 08 avensis.

what a joke, my old provider quote me 650 for fully comp .


i wouldn't waste your time getting a quote from them, clowns

rosmoke

27 y/o male.
5 yrs claim free
2011 Golf MK6 1.6 TDI, val 8k
Dublin city
3rd party f&t only.

€539 with 123.ie
With everyone else it's €800-1100.

With my old 2003 Megane 1.4, I got €830 cheapest quote.

pogsick

pogsick wrote: »

Dropped to tpft this year, €625 with whoops.ie, fully protected bonus and can drive other cars everywhere else looking for at least €900 for same or less

30
Male
Ncd 7 years
Full Irish license 7 years
2006 Renault Laguna 1.6 Petrol
No points
No modifications
Val €1500

Tried all companies I could think of this year looking for TPFT

Whoops.ie €675
123.ie €575
25plus.ie €794
AA €859
AIG €1099
Allianz €800
Coverinaclick €640
Axa €822
BOI €2059
Campion €1025
Chill €707
FBD €617
First Ireland €774
Itsforwomen €739
Liberty €1056
Sheridan €1100
Supervalu €1087
XSDirect €2962 (stands out even more as the excess was the same)
Qoutedevil €700
Aviva €1082

Went with 123

Tij da feen

wonski wrote: »

Renewal time

-snip-
You have to accept T&C, Data Privacy and Marketing all at the same time, unless you spot a little link underneath to opt out:mad: Sneaky way. Most customers would fall for it I guess as You cannot continue with a quote without ticking it.

I opted out of course:

Be aware of that.

Have two more quotes coming in later, one from the company group scheme, hopefully they can be under €700... Could be worse I guess.

Apologies for going ot with this marketing issue, but shame on them tbh.

Cheeky of them. Be interesting to see if they fix that before end of May. GDPR will force all marketing communications like that to be explicitly opt-in and not bundled other things like T&C consent.

Onto my quotes I'm having a pain in the whole with insurance. Most won't quote due to a combination of the old car + being on provisional:
25
Male
Provisional License (First policy)
03 Ford Focus 1.4 Petrol
Val <1,000
TPFT(Except BoxyMo)

Also like how my motorbike experience doesn't mean a sod to them for the premium but if I did have some claim on my bike then that would drive up the premium for the car.

Of the ones will quote me:
AIB: 3500 (If the car was a few months younger and registered in the middle of the year instead of January then that quote would be 2800)
AXA: 3800
Liberty: 3500
McCarthy Brokers w/ Asgard: 5000
BoxyMo(Comprehensive) : 2350

Caveat of BoxyMo is having to install GPS tracker in the car to monitor speed, sudden acceleration, sudden breaking, and limited km. However, I think it's probably worth it to get the year of no claims on my policy. Especially when it's such a price difference.

TeaBagMania

should see another drop with full license, how long before you take your road test?

Tij da feen

TeaBagMania wrote: »

should see another drop with full license, how long before you take your road test?

Put in for it recently but current waiting times in Cork are 16 weeks with longest up to 23 weeks so it'll be a while.

wonski

wonski wrote: »

Renewal time

05 Volvo s40 1.8 petrol
36 years young male (not that the sex matters)
7 years full Irish license
8 years NCB

3 penalty points for speeding in Dec 2015

123 renewal €750 TPFT
AnPost €1016 TPFT
AA €903
AIB €947
25Plus €776 (Comprehensive, no TPFT available)
Aviva - no quote, they claim not to insure cars over 14 years old, but mine failed the criteria straight away, despite not being that old yet. Changing to 08 would give me quotes of 500-700 depending on the car picked.

Liberty - €804 (TPFT)

Have two more quotes coming in later, one from the company group scheme, hopefully they can be under €700... Could be worse I guess.

Ended up renewing with 123 again at 738 euro.

No other insurer would beat that price.

Breakdown assistance, step back ncb protection and driving other cars are the only additional benefits. Some of the quotes above didn't even offer that, so happy enough.

flexcon

Renewal time.

honestly came out of this delighted.

Checked around and cheapest bar liberty was 950 euro.

27 M
10 licence
10 NCB
No points
Car Mazda 6 2.2 165PS
Value 6000

Liberty renewal was €520. Amazing as last year was 670.

Now to get this I have done one thing. I added my parents and it brings the premium down by 200. I kid you not.