Car insurance - tell us your quotes/renewals

smeal

CramCycle wrote: »

My partner pays by DD, and has done for years. No issues and if you don't have a wad of cash, it is handy. I have a feeling there is a slight cost penalty over the year, but not much and I could be speaking out my ass.

Yeah I always pay by DD as never seem to have the full amount around renewal time as much as I try! I think it could be about €20-€30 more expensive throughout the year so it definitely doesn't break the bank by any means.

my3cents

CramCycle wrote: »

My partner pays by DD, and has done for years. No issues and if you don't have a wad of cash, it is handy. I have a feeling there is a slight cost penalty over the year, but not much and I could be speaking out my ass.

iirc on about €500 AXA wanted it was about an extra €35 over the year if paid by DD.

Am I the only one that is paid up in full 3 weeks before its due? Makes no difference mind because its on the credit card and the way the CC bill falls it will get paid at the same time (on the same bill) even if I left it to the last minute.

rain on

33 female, 05 Fiesta, 3 years no claims

Renewal with Axa 437 comp, down from 600+ last year

easyvision

27yo 2015 Golf GTD, 2 years no claims in my name and 5 years+ insured on dads car. 1 1500 claim 7 years ago. No points. €1084 with Zurich, they were cheapest by 400 to the next cheapest, was quoted over 3k by some insurers! Best I could find, they wouldn't budge on it, was happy enough tbh. I had 1.4 Highline Golf 2013 before was 850. So I think its a decent price

ShadowHearth

my3cents wrote: »

iirc on about €500 AXA wanted it was about an extra €35 over the year if paid by DD.

Am I the only one that is paid up in full 3 weeks before its due? Makes no difference mind because its on the credit card and the way the CC bill falls it will get paid at the same time (on the same bill) even if I left it to the last minute.

For last two years I payed in full. Both times over 1k eu. This year its 1k again. I am thinking of paying 500eu in to cc and pay off the rest bit by bit. Good thing about paying like this with cc, means I can pay it off sooner. Or add a good chunk in to cc when I have some spare cash.
Or I will do as I always do. Just pay in full.

Some companies will charge a good chunk extra if you pay over months. It got a lot better now, but before it was as stupid as 20% apr.

Tommyboy40

Finally I've discovered a proper insurance company!
Age 50. Full license no points
2005 Mercedes CL500 5.0 V8 €1100 including full business use
1996 Mercedes SL 500 5.0 V8 €155 agreed value cover limited mileage
1996 Mercedes w124 coupe €165 agreed value cover limited mileage
2003 Smart cabrio 700cc €445 full business use ( Axa wanted €2500 for the Smart)

my3cents

Tommyboy40 wrote: »

Finally I've discovered a proper insurance company!
Age 50. Full license no points
2005 Mercedes CL500 5.0 V8 €1100 including full business use
1996 Mercedes SL 500 5.0 V8 €155 agreed value cover limited mileage
1996 Mercedes w124 coupe €165 agreed value cover limited mileage
2003 Smart cabrio 700cc €445 full business use ( Axa wanted €2500 for the Smart)

You are allowed to tell us who the proper insurance company is

ma88

Henry Ford III wrote: »

My renewal was €570 with Aviva through a broker. 123.ie quoted €421 online.

That's quite a difference.

can you please let me know the broker you are using, as i've been quoted €350 extra this year for renewal dealing straight with aviva.
thank you.

pawrick

pawrick wrote: »

that time again, renewal in this morning €775 , no change to anything from previous years.

After a lot of pricing around Blue insurance came in the lowest at €682 fully comp
which was then priced matched by my existing provider (allianze via a broker). Every other insurer / broker i got an online quote for ranged between 805 and 1300.

That's the 2nd year running now I've had blue coming in best only to have existing provider price match, the AA was 3rd cheapest. Might have gotten a little more off if i went back to blue but last year they couldn't drop further on the original quote and i was tired to death of getting quotes anhow.

carzony

I called AIG and Chill only to be told that i'm too young for a quote? I'm 26 with a 5 year NCB!! They both recommended Boxymo and said it would benefit me because they monitor my driving and makes me a safer driver. I feel Bit insulted really..


First Ireland broker came in with 1170 for TPFT on My 2004 1.6 Avensis. The policy did have bonus protection, all glass cover, breakdown cover, drive other car extension so it did seem like a fairly good policy but i'll continue to shop around .

biko

biko wrote: »

Wonder of all wonders.
I paid 810 for a year with Liberty for my 1999 car and recently bought a 2005 car.
When I rang Liberty to change vehicle details I got a refund of a 106 euros!

Renewed now - Liberty quote me €550 for another year.
So it actually went down!

blade1

Renewal came in at €19'000.
Rang them and they dropped it by €12'000.
Phew!











*only messing, wasn't me!

bop1977

12 skoda superb 2.0 diesel auto.

Last year €641fully comp
This year €671 both with 123.ie.

Axa and Liberty were looking for around €1000 each.

jimgoose

Gender: Male
Age: 46
Car: 1999 Jaguar S-Type 3.0l
NCD: You must be joking...
Licence: I will, yeah!
Area: Cork City Southside
Cover: Full comp/breakdown/glass/comp on other cars
Renewal: €853 AXA
Last year: €685 AXA

Threw a few fucks at them there on the phone and got it for €750. Could've been worse, could've been better...

cplwhisper

jimgoose wrote: »

Gender: Male
Age: 46
Car: 1999 Jaguar S-Type 3.0l
NCD: You must be joking...
Licence: I will, yeah!
Area: Cork City Southside
Cover: Full comp/breakdown/glass/comp on other cars
Renewal: €853 AXA
Last year: €685 AXA

Threw a few fucks at them there on the phone and got it for €750. Could've been worse, could've been better...

If 3yrs with axa, then last year +10% inc gov levy = €750
I’ve seen a lot worse but seeing as fire/Theft have no excess or loss of NCB
3pp for speed/seatbelt or holding phone has no loading so the simple things in motoring life ain’t gonna load your policy

wassie

carzony wrote: »

First Ireland broker came in with 1170 for TPFT on My 2004 1.6 Avensis. The policy did have bonus protection, all glass cover, breakdown cover, drive other car extension so it did seem like a fairly good policy but i'll continue to shop around .

Be aware that NCD Bonus protection is really only of benefit if you stay with the same insurer.

If you do make a claim, whilst your NCD will be protected with that particular insurer, if you shop around with other insurers you will have to declare that claim and in effect will not have a clean NCD.

grogi

wassie wrote: »

Be aware that NCD Bonus protection is really only of benefit if you stay with the same insurer.

If you do make a claim, whilst your NCD will be protected with that particular insurer, if you shop around with other insurers you will have to declare that claim and in effect will not have a clean NCD.

Not true. For many years I kept declaring a claim with the NCD on the 6th step of the scale. It was never an issue and got quotes (got them!!!!) much lower than I would without protected NCD. If you loose your NCD, you're like a novice driver with a claim. If you don't. you're like an experience driver with a claim...

IMHO it is worth every penny to pay for the NCD protection. It not only will drive the premium down, but open much more quotes. If not at the renewal, but at the consecutive years for sure.

carzony

I had an accident 3 years ago but never needed to claim for anything. I did the right thing and informed my insurance company though and now when calling for quotes I have to declare that there was a 700 euro claim for 'investigation costs' even though it did not affect my NCB the insurers get very worried when this is mentioned. I can only imagine what would happen if I had a real accident that caused me to loose my NCB.


Anyway,

Gender: Male
Age: 26
Car: 2004 Avensis 1.6 Petrol
NCB: 5+YEARS
Licence: YES, Full
Area: Dublin
Cover: TPFT


Chill: Won't Quote due to the age of the car
Zurich: Won't quote because i'm to young
Allianz: Won' quote because i'm too young
Campion Insurance:1900
First Ireland: 1100
Axa Renewal:1000

I'm thinking of going with First Ireland only they ask for such a big deposit (360)

Nate--IRL--

Why would you have to inform them of the "investigation" costs, if no claim was made?

Nate

Kopparberg Strawberry and Lime

Forget to throw mine up. Renewed less than two weeks ago

26
Male
2009 BMW 520D automatic
Licence for approx 8-9 years
Bus driver occupation
5+ years NCD
Penalty points: 6 ..., The last time I checked.....

paid 1,000 last year plus they charged me another hundred odd euro when I moved location

Renewal with AXA came in at €823

Shopped around plenty of places and getting quotes of 1,100 - 1,400 aswell as a fair few companies not quoting at all due to be being less than 30 years old with this category vehicle.

Renewed and they threw in free 24/7 breakdown with home start etc for me.

Pretty happy that it went down a fair bit for me, hopefully a sign of things to come !

Sexual Chocolate

Wouldn't bother with First Ireland. There a nightmare to deal with at times, even getting through to them lately is an ordeal. They made a bollocks of my renewal in terms of TPFT and Comp and refuse to own up to it leaving me stuck on TPFT. Only that I'm moving abroad in a couple of months and want to keep the policy going for NCB purposes I'd be cancelling it and going elsewhere.

carzony

Nate--IRL-- wrote: »

Why would you have to inform them of the "investigation" costs, if no claim was made?

Nate

Apparently everything has to be mention when trying to retrieve quotes. It's still a claim, just not a claim that effects my NCB.

Vowel Movement

25
Male
2008 Vauxhall Vectra 1.9 120bhp
Full license 5 years
6 years ncb

Renewal AA €1600 TPFT
went with Liberty for €893 TPFT

selous

Anyone have any dealings with Quote Devil, My sister got a good quote last year when she came back from overseas after 3 years, they took her previous NCD into consideration when no one else would, and were cheapest again this year, (They never rang me back)

Marcusm

Just got renewal quote; €1150 last year reduced to €840. Not bad.

Paudee

First time being insured as main driver in 5+ years

30 M full license 10+ years
Partner as named driver 29 F has own car
05 Corolla
5 years named driving experience

Alliance was by far and away the best €1080

Adding my OH brought it down by €200 despite bringing 6 points with her.

frozenfrozen

renewal 1436.42

chill quote 1085 fully comp. 3pft 975

2005 skoda superb 1.9

22 years old 4 years ncb no points no claims 2 named drivers (parents)

who else should I call?

the chill guy said insurance is like flights they go up if you leave it too late. lol

flexcon

frozenfrozen wrote: »

renewal 1436.42

chill quote 1085 fully comp. 3pft 975

2005 skoda superb 1.9

22 years old 4 years ncb no points no claims 2 named drivers (parents)

who else should I call?

the chill guy said insurance is like flights they go up if you leave it too late. lol

Try Liberty website. I would be shocked if it wasn't cheaper

frozenfrozen

flexcon wrote: »

Try Liberty website. I would be shocked if it wasn't cheaper

€2027.72

my3cents

frozenfrozen wrote: »

renewal 1436.42

chill quote 1085 fully comp. 3pft 975

2005 skoda superb 1.9

22 years old 4 years ncb no points no claims 2 named drivers (parents)

who else should I call?

the chill guy said insurance is like flights they go up if you leave it too late. lol

axa?

frozenfrozen

my renewal is axa through britton insurance but I'll try them directly now

axa:

1,945.64

beertons

Try fbd. They gave me a no nonsense quote over the phone.

my3cents

frozenfrozen wrote: »

my renewal is axa through britton insurance but I'll try them directly now

axa:

1,945.64

You just can't tell axa where the cheapest for me by a long way on a 16 yo VW Polo 1.4 petrol.

mloc123

34yrs old, 9+ yrs of NCB, full licence etc..

Skoda Superb (280bhp) and getting quotes around 800e for fully comp from everywhere i have tried (Liberty, Chill, Allianz)

Seems high to me?

JoeyJJ

Try supervalu, cheapest by 90 euro to me and 140 cheaper if you install the app

wotzgoingon

mloc123 wrote: »

34yrs old, 9+ yrs of NCB, full licence etc..

Skoda Superb (280bhp) and getting quotes around 800e for fully comp from everywhere i have tried (Liberty, Chill, Allianz)

Seems high to me?

Sounds pretty decent to me tbh...

chancer12

60+, 40+ years driving, no points, no convictions
2010 Ford Fiesta 1200 cc
Fully comp, 1087 .... because of additional driver
23, 2 years on prov licence
increase of 200 on last year, not happy

very few quoting for young drivers, got 3000 quote for 'its 4 women' LOL

guess its 2 days on the phone getting quotes. Wish there was a database where you could enter your details and have them compete for the business rather than wasting days repeating the same info while listening to pre-recorded messages saying how important my business is to them, grrrrrrrrrrrr

LirW

I'm pretty annoyed, very few companies actually giving me an online quote and I'd love to just not call them.
Anyway, details:

F27, 5 years driving experience, 3 in the EU, 2 in Ireland as a named driver, converted Full EU to Full Irish, no points, claims or convictions.
Car is 07 Kia Ceed 1.6l
Partner as a named driver, who's on a provisional.

So far I only got quotes from Axa who's our current insurer of 1900 for Third party
and 3300 from liberty for third party.

At the moment he's insured on a provisional on our old car because I didn't get insurance on my Full EU. Policy runs out next month and the new quote would be 2900 with the new car on it.
Car broke down, we had to skimp every cent together for a banger, so far insurance is more than the car is.

I have no words how annoyed I am, not even chill could give me a quote on the phone, that's just messed up.

wotzgoingon

LirW wrote: »

I'm pretty annoyed, very few companies actually giving me an online quote and I'd love to just not call them.
Anyway, details:

F27, 5 years driving experience, 3 in the EU, 2 in Ireland as a named driver, converted Full EU to Full Irish, no points, claims or convictions.
Car is 07 Kia Ceed 1.6l
Partner as a named driver, who's on a provisional.

So far I only got quotes from Axa who's our current insurer of 1900 for Third party
and 3300 from liberty for third party.

At the moment he's insured on a provisional on our old car because I didn't get insurance on my Full EU. Policy runs out next month and the new quote would be 2900 with the new car on it.
Car broke down, we had to skimp every cent together for a banger, so far insurance is more than the car is.

I have no words how annoyed I am, not even chill could give me a quote on the phone, that's just messed up.

5 years driving experience what does that mean? If you mean you were driving for 5 years that means nothing to them it is all about NCB. Afaik they do not account for NCB from another country so you may only have two from when you were here and then you have a driver on a provisional which will bring the cost up. Why is you partner looking to drive the car you should tell him/her to get the full licence before they get insured.

LirW

Just to clarify, I converted my license from a Full EU to a Full Irish and the issue date on it is the same of my original license. I'm aware that my outside experience doesn't mean anything (which is pretty retarded if you ask me) and I have 2 years as a named driver on his policy.
The reason why he held the policy was that I was not able to get insurance on my full EU, only one company would quote me and they wanted 5k off me. So it made sense insuring him and adding me, that's what even the insurance told me, because I wasn't residing in Ireland for over 12 months at that point.

I try getting quotes throwing him out of it. It's really hard getting insurance as a non-Irish license holder, don't know if you're aware of that. That's why I converted mine, all I had to do was going to the NDLS and handing mine in and pulling my Irish out of the envelope, that supposedly made me a better and safer driver...

colm_mcm

Try Allianz over the phone.

LirW

colm_mcm wrote: »

Try Allianz over the phone.

I'll go and ring around the companies after the weekend definitely.

Fiery mutant

Driving a 171 Hyundai Ioniq, and so far tonight i’ve had 3 companies refuse to give me a quote when I try online.

Drive about 40,000km a year, no claims discount of 10+ years, 6 penalty points, of which 3 will expire the end of next month.

****ing ridiculous carry on. I ****ing hate these companies. ****ing cesspits.

Liam McPoyle

Fiery mutant wrote: »

Driving a 171 Hyundai Ioniq, and so far tonight i’ve had 3 companies refuse to give me a quote when I try online.

Drive about 40,000km a year, no claims discount of 10+ years, 6 penalty points, of which 3 will expire the end of next month.

****ing ridiculous carry on. I ****ing hate these companies. ****ing cesspits.

You have 6 penalty points.

That's the cut off point for virtually all insurers when it comes to new business.

It's not their fault you did not adhere to the rules of the road.

retalivity

M34, 10+y driving exp, 6y ncb, driving a 151 hyundai i20. Have 3 penalty points.

Was 575 with boi thru rsa last year, which included a 25% discount as i was had a boi accoynt. Renewal this year was 638.

Sv/aig were 540, but im going with the post office insurance for 518. All fully comp. Couldnt find anything cheaper.

CeilingFly

Age - old
Driving - 30+ years
Points - none
Claims - none
Driving - 5 series
Quote - €521 fully comp + step back protection
Co. - Aig

leeside11

Age: 50 plus
Driving: 30 years
No points or claims
1.2 14yr Fiesta
Aviva with Step Back Protection
€400 Full Comprehensive
Down again on last years quote

naughtysmurf

Came in the post this week, was preparing to shop around but...

Age:51
Male
No points, no claims since 2011(small one)
141 Civic 1.4
Aviva with protected no claims discount
€420.84

Fiery mutant

Business Cat wrote: »

You have 6 penalty points.

That's the cut off point for virtually all insurers when it comes to new business.
.

Well if that’s the case it should be communicated to people. Just refusing to give a quote with no explanation is ridiculous.

I’m sure you won’t agree, as you seem to have that typical mods ‘know all’ attitude that seems to pervade this site in recent years.

chancer12

chancer12 wrote: »

60+, 40+ years driving, no points, no convictions
2010 Ford Fiesta 1200 cc
Fully comp, 1087 .... because of additional driver
23, 2 years on prov licence
increase of 200 on last year, not happy

very few quoting for young drivers, got 3000 quote for 'its 4 women' LOL

guess its 2 days on the phone getting quotes. Wish there was a database where you could enter your details and have them compete for the business rather than wasting days repeating the same info while listening to pre-recorded messages saying how important my business is to them, grrrrrrrrrrrr

Quite literally spent the day on the phone yesterday and the range of quotes was ridiculous as were the variations on what was on offer viz 'step back', excess etc. You almost need to spend the full day getting into the zone and creating a spreadsheet to compare like with like. Insurance is an essential that increases each year and becomes more and more complex. Anyway rant over I finally got a good price

Fully Comprehensive self and Provisional driver, with full bonus protection for 897.77 with the AA. Got a young sales guy who was determined to get the business so he went from 1039 down to 897.77 throwing in various discounts. I was lucky because he wanted the business, most companies aren't prepared to negotiate!