Car insurance - tell us your quotes/renewals

q85dw7osi4lebg

Age: 28
NCB: 7 (RSA only recognise 6)
1 Point
2012 F30 320d
RSA with full no claims protection
€880 fully comp


Cheapest by a million miles for me.

mloc123

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?

Got it down to 480e with 25plus.ie (policy with AIG)

Liam McPoyle

Fiery mutant wrote: »

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.

I'm not a mod of this forum.

I've worked in insurance for almost a decade, that's how I know these things.

It is not possible for every eventuality to be catered for online.

If you rang companies to get quotes they would advise you that it's because of the penalty points (if that's the reason) but as there are literally hundreds of possible reasons why insurers won't quote they just issue a generic catch all letter for online quotes.

ELM327

Business Cat wrote: »

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.

Agreed, but there's no need for the last line, effectively kicking him in the groin.

With 6 points you'll find it difficult to get a quote and certainly won't get one online. I have 5 points myself and I'm in a similar quandary, insurance renewal end of next month and I'm dreading it.

Gonad

Male : 34
Car : 132 GALAXY 2.0 auto
1 year no claims
Renewal 1142 euros
Third party

Not bad I suppose

Kotek Besar

Gonad wrote: »

Male : 34
Car : 132 GALAXY 2.0 auto
1 year no claims
Renewal 1142 euros
Third party

Not bad I suppose

How much more would comprehensive be?

Gonad

Kotek Besar wrote: »

How much more would comprehensive be?

I think it was around 1600 fully comp .

I am selling the car at the moment so when I get next motor will probably bump up to fully comp .

corsav6

Gender: male
Age: 35
NCB: 8 years
Car: 09 Vectra Sri 150bhp
Named driver: wife age 26 with 6 years NCB.

Last year was €650 with 25+, renewal was €780.

Got sorted for €505 with 123.ie so can't complain.


Van insurance is due next month and it's always hassle as it's taxed private and most companies won't even quote us. It's in the wife's name and currently insured with kenco for €840, hoping it'll drop a little bit this year.

Zatoichi

Male, 38
Provisional
NCB 4 years
2014 Focus MKIII Econetic 105BHP
Liberty through Chill
Third party F&T

Last year was €1,318.69 (with a quote breakdown showing €204.80 added for my three penalty points)
This year €1,194.28 (Penalty points shown on the Summary but not part of the quote breakdown anymore)

I rang NDLS and they said my points will be cleared tomorrow. I imagine Chill have access to the Penalty points database and can see my points will be gone by the time I renew at the end of the month and it's already taken into account with the quote. I'll find out when I ring them tomorrow. Is it worth changing the value of the car since it's going for E2000 less than when I first got it insured?

AXA's website quoted me €1462.50 for fully comp and €1366 for Third party
Liberty's quoted me €2018.46 for fully comp and €1395 for Third party

ayux4rj6zql2ph

This post has been deleted.

SCOOP 64

Zatoichi wrote: »

I imagine Chill have access to the Penalty points database and can see my points will be gone by the time I renew at the end of the month

Do you insurance company's have access to the penalty points database?

boxty

mloc123 wrote: »

Got it down to 480e with 25plus.ie (policy with AIG)

That's a savage price, I'm 37, 10 years NCB, 2l TDI Octavia, 3 points and I'm getting filly comp quotes of 800-900. Best quote was 680. I've rang about 15-20 companies and brokers.☹️

Zatoichi

SCOOP 64 wrote: »

Do you insurance company's have access to the penalty points database?

Yes. So I don't know why the points are on the renewal summary when the renewal is the end of the month.

overshoot

699 with Allianz
2010 golf bluemotion 105bhp. 28yr old, 9 years ncb
Fully comp, some class 1 use, full no claims protection, open drive and a few other add ons

wotzgoingon

Zatoichi wrote: »

Yes. So I don't know why the points are on the renewal summary when the renewal is the end of the month.

I'd ring them just to be clear the points are taking off for your renewal.

Cows Go µ

Zatoichi wrote: »

Yes. So I don't know why the points are on the renewal summary when the renewal is the end of the month.

Not all insurance companies do which is why you have to inform them when you get points or when they come off

fraytag

Your Age: 36
Car type and engine: Fiat 500 1.2
years driving: 18+
any claims: no

Price and provider: 480 with declared no claim bonus earned in other EU country, they refused it and claim additional 850 - Liberty

LirW

fraytag wrote: »

Price and provider: 480 with declared no claim bonus earned in other EU country, they refused it and claim additional 850 - Liberty

When I tried to get insurance in my name first 2 years ago I had no luck with my previous driving experience being accredited here, even though I had paperwork for it.

Bored Accountant

Female: 32
2018 Nissan Qasqai 1.5
years driving: 10+
NCB; 5 years
Husband was added 2 months ago.

Last Year; approx €980 with Bump Insurance
Renewal €750

Axa €1060
Zurich €850
Gone with AIG & with Telematics App for €587. would be €619 without app.

PBWXFORD

Age: 35

Car: Vauxhall Insignia 2.0 cdti 2012

Licence: Full with 9 endorsements/convictions

NCB: 8 years

Cover: Fully comp with protected NCB

Insurer: Liberty

Last years premium: €574

This years renewal received by post: €666

Online quote with same company and current premium: €431

punisher5112

PBWXFORD wrote: »

Age: 35

Car: Vauxhall Insignia 2.0 cdti 2012

Licence: Full with 9 endorsements/convictions

NCB: 8 years

Cover: Fully comp with protected NCB

Insurer: Liberty

Last years premium: €574

This years renewal received by post: €666

Online quote with same company and current premium: €431

9 points ? Or a mixture?

That's one great price.

PBWXFORD

punisher5112 wrote: »

9 points ? Or a mixture?

That's one great price.

Actual endorsements stamped on the licence! Yep for some reason my insurance is always less than many of my friends whom have clean licences

And i always go online with Liberty and get a quote with them after getting my renewal quote by post as it always works out alot cheaper, then i ring and give them the quote ref number and they match that price on my renewal. Very strange and ive been doing this the past 5 or 6 years and always advise other to do the same

frozenfrozen

22 years skoda superb 2005 1.9 to 100hp

946.36 with the high excess crowd kenco through principal brokers.

Incredibly sound people to deal with on the phone and the best quote. I've the bike policy through them too

my3cents

PBWXFORD wrote: »

Actual endorsements stamped on the licence! Yep for some reason my insurance is always less than many of my friends whom have clean licences

And i always go online with Liberty and get a quote with them after getting my renewal quote by post as it always works out alot cheaper, then i ring and give them the quote ref number and they match that price on my renewal. Very strange and ive been doing this the past 5 or 6 years and always advise other to do the same

Any strange occupation that might bring the price down?

wotzgoingon

my3cents wrote: »

Any strange occupation that might bring the price down?

There is something weird going on alright especially with all those endorsements. People with clean licences are getting charged more.

punisher5112

PBWXFORD wrote: »

Actual endorsements stamped on the licence! Yep for some reason my insurance is always less than many of my friends whom have clean licences

And i always go online with Liberty and get a quote with them after getting my renewal quote by post as it always works out alot cheaper, then i ring and give them the quote ref number and they match that price on my renewal. Very strange and ive been doing this the past 5 or 6 years and always advise other to do the same

Mind boggling that's some great price....

Fann Linn

Bored Accountant wrote: »

Female: 32
2018 Nissan Qasqai 1.5
years driving: 10+
NCB; 5 years
Husband was added 2 months ago.

Last Year; approx €980 with Bump Insurance
Renewal €750

Axa €1060
Zurich €850
Gone with AIG & with Telematics App for €587. would be €619 without app.

Be careful with the telematics app. A device that picks up everything. Btw will there be any tolerance allowed on the speed or does 80km mean 80km.

stephenl15

Male 25
2008 1.4 Opel Astra
No NCB or Driving Experience
Full Licence
3rd Party Fire & Theft
€2100 Kennco Insurance

punisher5112

stephenl15 wrote: »

Male 25
2008 1.4 Opel Astra
No NCB or Driving Experience
Full Licence
3rd Party Fire & Theft
€2100 Kennco Insurance

Did you add another driver? Parents etc.

ofcork

wotzgoingon wrote: »

There is something weird going on alright especially with all those endorsements. People with clean licences are getting charged more.

I'm in a 2l diesel avensis 2012 I'm 47 full clean licence no points and I couldn't get cheaper than 728 so something strange here.

punisher5112

ofcork wrote: »

I'm in a 2l diesel avensis 2012 I'm 47 full clean licence no points and I couldn't get cheaper than 728 so something strange here.

Crazy price to be honest.

My insurance has increased by 700 in last 3 years.

Zatoichi

So apparently NDLS don't send out letters anymore to tell you your penalty points have been cleared. I had to send them an email requesting a reply stating I no longer have points, so I can send that to Chill.

stephenl15

punisher5112 wrote: »

Did you add another driver? Parents etc.

No, probably should've in hindsight

punisher5112

Zatoichi wrote: »

So apparently NDLS don't send out letters anymore to tell you your penalty points have been cleared. I had to send them an email requesting a reply stating I no longer have points, so I can send that to Chill.

I thought the rsa did.

Last time I got one from them.

punisher5112

stephenl15 wrote: »

No, probably should've in hindsight

Why not do so now and see does it bring it down to harm in calling them.

PBWXFORD

my3cents wrote: »

Any strange occupation that might bring the price down?

wotzgoingon wrote: »

There is something weird going on alright especially with all those endorsements. People with clean licences are getting charged more.

punisher5112 wrote: »

Mind boggling that's some great price....

Nope! Im doing some courses at the moment so down as mature student.. My insurance has been cheaper than any of my friends with full clean licences for the past 5-6 years now and neither i or them can understand why... but im not complaining

Bare in mind it is only with Liberty that i get it this cheap, i always try around come renewal time but none can match Liberty that's why i stay with them, i have never actually been insured elsewhere. Also when i got my licence back they were the only company that would insure me and they are fully aware of my endorsements as i had to send them a copy of front and back of my licence.

Car99

1999 Golf 1.9tdi 90bhp.

Full NCB 10+ years, no points or convictions. 44 years old . Full licence 10+ years . NCB protected.

Wife added to the policy , has her own car ,no points no convictions, full licence 10+ years .

Renewal quote €850 .

If the car was a 2005 premium would be €520.

We own the golf 14 years and see no reason to get rid of it as it's a good second car for my commute.

The €300 gouge is a bit annoying but cheaper than replacing the golf.

wotzgoingon

Car99 wrote: »

1999 Golf 1.9tdi 90bhp.

Full NCB 10+ years, no points or convictions. 44 years old . Full licence 10+ years . NCB protected.

Wife added to the policy , has her own car ,no points no convictions, full licence 10+ years .

Renewal quote €850 .

If the car was a 2005 premium would be €520.

We own the golf 14 years and see no reason to get rid of it as it's a good second car for my commute.

The €300 gouge is a bit annoying but cheaper than replacing the golf.

Good way to look at it alright. And newer cars are not even more reliable.

DPolo

Your Age: 24
Car type and engine: 04 Lexus IS200 2Ltr 6 Cyl
years driving: 7 (7 years NCB and full licence)
any claims: 0
Price and provider: €881, Liberty (Gone down for first time in 3 years , €250 reduction)

Car99

DPolo wrote: »

Your Age: 24
Car type and engine: 04 Lexus IS200 2Ltr 6 Cyl
years driving: 7 (7 years NCB and full licence)
any claims: 0
Price and provider: €881, Liberty (Gone down for first time in 3 years , €250 reduction)

Think I'll try liberty.

Car99

Car99 wrote: »

Think I'll try liberty.

€1850 wow.

Car99

DPolo wrote: »

Your Age: 24
Car type and engine: 04 Lexus IS200 2Ltr 6 Cyl
years driving: 7 (7 years NCB and full licence)
any claims: 0
Price and provider: €881, Liberty (Gone down for first time in 3 years , €250 reduction)

I put in 2004 is200 and they want €1600+ from me with , no claims , no points , 10 years plus NCB and full licence. And I'm 44.

Is your €881 in your own name?

DPolo

Car99 wrote: »

I put in 2004 is200 and they want €1600+ from me with , no claims , no points , 10 years plus NCB and full licence. And I'm 44.

Is your €881 in your own name?

Yep that's in my own name, been on my own name since 17. Car is an auto , but can't imagine it'd make a major difference to premium. What area you putting it for car being kept overnight. I'm in Meath area
That's absolute madness. We've an E92 330d insured with liberty for €495 as well

Gonad

PBWXFORD wrote: »

Actual endorsements stamped on the licence! Yep for some reason my insurance is always less than many of my friends whom have clean licences

And i always go online with Liberty and get a quote with them after getting my renewal quote by post as it always works out alot cheaper, then i ring and give them the quote ref number and they match that price on my renewal. Very strange and ive been doing this the past 5 or 6 years and always advise other to do the same

does that work ? I tried that on liberty site and it wouldn’t give me a quote . I think it recognized the details and didn’t give a quote .

I tried changing some of the details but when I rang to say got a cheaper quote online they wouldn’t honor it as it wasn’t the exact correct details .

PBWXFORD

Gonad wrote: »

does that work ? I tried that on liberty site and it wouldn’t give me a quote . I think it recognized the details and didn’t give a quote .

I tried changing some of the details but when I rang to say got a cheaper quote online they wouldn’t honor it as it wasn’t the exact correct details .

Yep defo works! I've done it at every renewal and always tell friends to do it and works for them too!

The thing is i don't change any details, i put in every single detail the exact same as on my policy but it always comes out cheaper. Then i get the quote ref number, ring them and say i got cheaper online and they ask for the quote ref (more than likely thinking I'm bluffing and won't have one) then they say hold on until we check all details are the same, then come back and say yes everything is the same so we will match that quote. Every time i ask why is it cheaper online they say because there's a 10% discount online and also an further online discount going at the moment... But it seems there's a further online discount every year i renew

EPAndlee

PBWXFORD wrote: »

Yep defo works! I've done it at every renewal and always tell friends to do it and works for them too!

The thing is i don't change any details, i put in every single detail the exact same as on my policy but it always comes out cheaper. Then i get the quote ref number, ring them and say i got cheaper online and they ask for the quote ref (more than likely thinking I'm bluffing and won't have one) then they say hold on until we check all details are the same, then come back and say yes everything is the same so we will match that quote. Every time i ask why is it cheaper online they say because there's a 10% discount online and also an further online discount going at the moment... But it seems there's a further online discount every year i renew

It works well I done the same. Renewal was 750 so got an online quote for 620 and told them to match it

pajor

Age: 26
Car: 2006 VW Golf 1.4 FSI
NCB: 3 years
Claims: 0
Premium: €434.48 TPFT

Just paid for my renewal. That’s a whole €172 less than last year, pays to shop around.

Fann Linn

pajor wrote: »

Age: 26
Car: 2006 VW Golf 1.4 FSI
NCB: 3 years
Claims: 0
Premium: €434.48 TPFT

Just paid for my renewal. That’s a whole €172 less than last year, pays to shop around.

Eeh. With who???

pajor

Fann Linn wrote: »

Eeh. With who???

Delta Lloyd. I don’t live in Ireland, probably should have mentioned that..

Bored Accountant

Fann Linn wrote: »

Be careful with the telematics app. A device that picks up everything. Btw will there be any tolerance allowed on the speed or does 80km mean 80km.

I've had it on my phone for past 2 or 3 years. You have option to auto start recording when it detects you moving above certain speed, or you can manually kick off (when you know your not in a rush!).

At end of each journey recorded, it gives you a score out of 100. Shows where heavy acceleration or breaking, or on a phone call. I don't know how accurate it is for the speed limits in an area and if you are breaking them.
It has become a bit of a game for myself to try get above certain scores, or else I just mark that I was a passenger for that trip.

They say in terms & conditions, if after 3 months your overall score is above certain amount, you get additional discount, and they refund you the money. Got that in my first year. And they state that if you score badly, you won't be punished.