Car insurance - tell us your quotes/renewals

Eggs For Dinner

Deleted User wrote: »

Seriously? I thought they paid actuaries a huge amount of money to use maths to calculate risk and premia? While I'd expect a machine does the calculation now, I always assumed there was some rational mathematical basis upon which they based every premium?

That is exactly how it is calculated. Just because slight variations in circumstances seem inconsequential to lay people doesn't mean their isn't a rational behind the quotation

Eggs For Dinner

Eggs For Dinner wrote: »

That is exactly how it is calculated. Just because slight variations in circumstances seem inconsequential to lay people doesn't mean their isn't a rational behind the quotation

OK. So what possible risk justification could there be for that €40 more expensive quote just by making the 45-year-old woman six years younger?

bigboss1986

Male,32, 2010 VW Scirocco 2.0 TDI ,170BHP,3points

Renewal from Allianz came at 725 incl. wife as named driver,
Fully comp,windscreen,driving other cars,brakedown and full bonus protection.

I did few quotes online:
Allianz as new customer 725 so same as mine
Aviva 699 pay in full or 960(WTF???) pay monthly
Aig 870 of 855 with app
Bank of Ireland 2300 :D:D
25plus 1100
123.ie 870
AXA 960
Chill insurance 780 pay in full or around 860 monthly
Liberty wont quote online.

Im goint to make few calls tomorrow but I'd say I wil stick to Allianz after im going to talk to them

Eggs For Dinner

Deleted User wrote: »

OK. So what possible risk justification could there be for that €40 more expensive quote just by making the 45-year-old woman six years younger?

Because that insurer obviously has a better claims experience for the older driver driving that type of car, in that area, with that occupation etc. etc.

grogi

Potential-Monke wrote: »

Because they literally make it up.

If the result is consistently the same if you request the quote multiple times, they are not making it up.

Potential-Monke

grogi wrote: »

If the result is consistently the same if you request the quote multiple times, they are not making it up.

It's not consistent though, ranging from €1000 to €2100. And doesn't make sense in the slightest. For me anyway. The worst thing is that they don't have to tell you why.

grogi

Potential-Monke wrote: »

It's not consistent though, ranging from €1000 to €2100. And doesn't make sense in the slightest. For me anyway. The worst thing is that they don't have to tell you why.

I find it hard to believe that you get different quotes if you enter exactly the same details...

Eggs For Dinner

Potential-Monke wrote: »

It's not consistent though, ranging from €1000 to €2100. And doesn't make sense in the slightest. For me anyway. The worst thing is that they don't have to tell you why.

So you want all Insurers to quote the same price, even though they could have experienced vastly different claims results? That would smack of a ............, you know the word I'm looking for

Potential-Monke

grogi wrote: »

I find it hard to believe that you get different quotes if you enter exactly the same details...

They're the quotes I was getting. Otherwise I wouldn't mention it. It's what has triggered me.

Eggs For Dinner wrote: »

So you want all Insurers to quote the same price, even though they could have experienced vastly different claims results? That would smack of a ............, you know the word I'm looking for

I'm looking for them to explain why. It's the only service where they don't have to justify they're figures. And how can someone 10 years younger with less experience get quoted for less in an older car that's a known boy racer car? If they were even close to each other, by a few hundred, i'd be ok with it, but vastly different amounts. Does my experience not come into account? Why is the car too old for some but not for the others? I'll tell you why; they make it up and hide behind 'company secrets' in the calculation of it.

An insurance company should have to show you where the loading is coming from, but they don't. So until that day, I will continue to believe they make it up. I've never been in a crash, never had a claim, 11 years driving on a full licence with 11 years NCD. Driving the safest car I can afford. But the car doesn't seem to matter as I used a 2011 Laguna and it was only €50 cheaper. Why? Because we said so. That's the answer. That's the infuriating part.

A mechanic will break down the costs. Plumbers and builders break it down. Nearly every service industry is required to give you an itemised receipt, but insurance companies can hide behind BS. One of them refused me and sent a letter with the reason: It doesn't meet our criteria. But they don't have to tell you what that criteria is.

As a ex-Garda, I can guarantee you that living nearer to a city increases the likelihood of being in a crash or your car been stolen. But it seems to be the reverse when it comes to car insurance. Or maybe it isn't. Who knows? They don't have to explain. Utter BS.

Eggs For Dinner

The answers to each and every point you raise has been explained many, many, many times in this forum

Potential-Monke

Eggs For Dinner wrote: »

The answers to each and every point you raise has been explained many, many, many times in this forum

Excuse me for not going back through 242 pages of conversation... Plus, things change. What was relevant last year may not be relevant this year. But, it doesn't matter. I know that some of the folks here are helpful. Some.

Rosser

You’re off duty now so just get the cheapest quote and off you go, it’s not a great conspiracy, do you go from Tesco to Lidl to SuperValu demanding to know why prices are different?

Potential-Monke

Rosser wrote: »

You’re off duty now so just get the cheapest quote and off you go, it’s not a great conspiracy, do you go from Tesco to Lidl to SuperValu demanding to know why prices are different?

Oh yeah, because we can compare prices for groceries to car insurance. If groceries are too expensive, I don't buy them. Can't do the same for car insurance.

My point is my cheapest quote is more expensive than my first year driving.

Not getting the off-duty comment, unless it was some sarcastic dig at my previous employment.

Anyway, this is obviously another one of the forums ruined by people who'd rather make smart comments than help. Grand. I'm out.

Rosser

Potential-Monke wrote: »

Oh yeah, because we can compare prices for groceries to car insurance. If groceries are too expensive, I don't buy them. Can't do the same for car insurance.

My point is my cheapest quote is more expensive than my first year driving.

Not getting the off-duty comment, unless it was some sarcastic dig at my previous employment.

Anyway, this is obviously another one of the forums ruined by people who'd rather make smart comments than help. Grand. I'm out.

If groceries are too expensive you buy them somewhere else or you starve.

I wasn’t trying to be sarcastic I was being overt in my reference to your last job which I actually have a great deal of respect for.

The explanations have been given many times, they do not make them up but insurers do not all have the same risk appetite nor do they have the same claim experience so they price accordingly.

They might not fit the conspiracy narrative but facts are stubborn things.

9935452

bigboss1986 wrote: »

Male,32, 2010 VW Scirocco 2.0 TDI ,170BHP,3points

Renewal from Allianz came at 725 incl. wife as named driver,
Fully comp,windscreen,driving other cars,brakedown and full bonus protection.

I did few quotes online:
Allianz as new customer 725 so same as mine
Aviva 699 pay in full or 960(WTF???) pay monthly
Aig 870 of 855 with app
Bank of Ireland 2300 :D:D
25plus 1100
123.ie 870
AXA 960
Chill insurance 780 pay in full or around 860 monthly
Liberty wont quote online.

Im goint to make few calls tomorrow but I'd say I wil stick to Allianz after im going to talk to them

Its funny. Bank of ireland were the cheapest for me at 550 for fully comp with all the frills incl fully comp driving of other cars on a 09 a4 2.0tdi for a 36 year old with max no claims. Fbd were looking for 950. Everyone else were looking for 800 to 1000 euros

lollsangel

36 yo full license 2011 1.6 dsl mondeo partner (40) insured also with own car

Got my renewal for this year 705euro down fromm 790 last year. Shopped around and got it with AA for 618.

Considering year before last the renewal quote was 1100 euro before i shopped around im quite impressed with what i paying now

2016 1100 euro
2017 790 euro
2018 618 euro

Odyssey 2005

Odyssey 2005 wrote: »

Just got a renewal for my lad.
21 next week
1.2 Ibiza
Full licence
No points
3rd year with Aviva
Fully Comp
Renewal was €540.
Thrilled with that...

Update :
Called Aviva today and questioned the quote,they hadn't applied a multicast discount to the quotation (my car is with them also) and they came back with his premium now at €509.:)):)

tcawley29

Odyssey 2005 wrote: »

Update :
Called Aviva today and questioned the quote,they hadn't applied a multicast discount to the quotation (my car is with them also) and they came back with his premium now at €509.:)):)

Thats nearly an extra ten pints this weekend. 5 each :pac:

hadepsx

After getting a stupid renewal quote (e838)from bank of Ireland for my car insurance I went online and shopped around. Best quote was from aa car insurance for e668 fully comp with all the extras. For some reason it emailed me the cheaper quote for e615, this had just basic cover. So yesterday I received a call from aa car insurance team and was pleasantly surprised when,upon telling them I want the more loaded quote, they offered me everything I wanted for e550 for the year. This mirrors my current cover, so I have everything I need, while making a saving of nearly e300. Needless to say I called my current provider to bargain them down, they would only come down to e740. Told them there and then I would not be renewing.

Bigmac1euro

Car: Opel Vectra 2007 1.6 saloon
License Full since December 2017
Current Insurer- Allianze 1750
3 years NCB
Male
27

Allianz renewal - 1369 (got them down to 1289)
Aviva 1270 (Hour driving course required)
AA - 1485.99
Chill via RSA - 999 (then further discount to 954)


Obviously went with Chill through RSA for 954

1750 down to 954 is a serious reduction. (Father in law pays more insurance and is driving 20+ years, now calling his own insurance giving out stink LOL)

KealB99

Age: 19

Car type and engine: 2012 Volkswagen Golf match 1.6 tdi

NCB: 2 years in my own name with full license for 1 year

Price and provider: €1500 fully comp with liberty with the standard driving of other cars

Not bad considering it’s down from €2,500 last year and €4,150 the year before!

Edit: Probably worth noting the car is down on insurance as being modified also

inna981

Car: 2013 Peugeot 308 1.6HDi
My mother: 57 full licence driving 30 years with 9+ years NCB
Currently with Bank of Ireland Insurance (RSA) with €533 renewal. Fully comp

Top 3:
BOI Insurance: €452 (new customer)
Liberty: €487
Its4Women: €480

Went with Bank of Ireland again as a new customer

Highest was 123.ie @ €952

Odyssey 2005

KealB99 wrote: »

Age: 19

Car type and engine: 2012 Volkswagen Golf match 1.6 tdi

NCB: 2 years in my own name with full license for 1 year

Price and provider: €1500 fully comp with liberty with the standard driving of other cars

Not bad considering it’s down from €2,500 last year and €4,150 the year before!

Edit: Probably worth noting the car is down on insurance as being modified also

Modified how,,if you don't mind me asking.

Odyssey 2005

tcawley29 wrote: »

Thats nearly an extra ten pints this weekend. 5 each :pac:

Renewed today, upgraded the policy to Full NCB protection,added Mrs Odyssey,got the whole deal for €530.:D
Still pinching myself

KealB99

Odyssey 2005 wrote: »

Modified how,,if you don't mind me asking.

Aftermarket alloys, coilovers, aftermarket exhaust system and aftermarket front/back bumper and skirts.

tcawley29

KealB99 wrote: »

Aftermarket alloys, coilovers, aftermarket exhaust system and aftermarket front/back bumper and skirts.

Fair play. I didn't think people actually did that. Did it make much of a difference declaring it?

KealB99

tcawley29 wrote: »

Fair play. I didn't think people actually did that. Did it make much of a difference declaring it?

Ya I said I better declare it just to be on the safe side, as far as I know it was only the coilovers that made a difference, and as far as I can remember the difference was in the region of €100. Worth it for the peace of mind!

Odyssey 2005

KealB99 wrote: »

Ya I said I better declare it just to be on the safe side, as far as I know it was only the coilovers that made a difference, and as far as I can remember the difference was in the region of €100. Worth it for the peace of mind!

Top marks. €100 for peace of mind is as good as free.

patnor1011

43 years old full eu licence, NCB 10+, insured in my name with a wife as the second driver.
670 paid a year ago with its4women no claims, no points, no changes
1314.62 renewal quote.
After using their online chat box where I queried why the price went up so much and getting a reply that "as you know insurance premiums increased" I got another "best" quote of 1215.60

Quick online quotes from other insurers were 860 with axa and 533 with 123.ie for the same cover with actually few more extras.

mountai

Old
Max NCB.
438 last year Aviva Direct
537 Renewal this year
460 Post Insurance --- With AVIVA --- Work that one out .

irbx

38 male 2004 2l Petrol Honda accord.
3 years NCB no accidents or claims no penalty points.

Last year 1100

Renewal 1060
Add NCB protection 1090.

Then just asked was this the best price when to 1020

dodzy

Deleted User wrote: »

Seriously? I thought they paid actuaries a huge amount of money to use maths to calculate risk and premia? While I'd expect a machine does the calculation now, I always assumed there was some rational mathematical basis upon which they based every premium?

It’s all bullsh**. I’ve been messing around with quotes all morning. One insurer drops the insurance incrementally when the cars value increases from 2k up to 7k and then goes the on the other way as I continue increase the value.

2005 a6 2.0tdi.
No points, full license 30 yrs, full NCB. Last year with Allianz was 660.
Up to 805 on renewal.
Looking at 123.ie for 630 but can get it to 414 (reducing to TPF&T) & manipulating cars value, also adding a friend (wife don’t drive).

Aviva want 833 for TPF&T.

Changing up to a 141 Octavia VRS reduces to 376 but obviously you’d have to go comp on that. Still less than €500.

Allianz can take a jump. And I’m gonna cancel the mutt insurance too. Their loss.



Update: AXA. €1092 comp for the Audi, €995 for TPFAT
THE 141 Octavia Vrs, same price, give or take 20 quid on both.


Liberty: 1226 for comp on the Audi, 1012 TPFAT; 1072 comp for the VRS.

Well that’s enough of that, looks like 123.ie will be getting the funds.

Eggs For Dinner

^^^^^^^

You must be doing something wrong. The cartel is supposed to give the same quote to everybody. Your figures smack of open competition. Chancers

dodzy

Eggs For Dinner wrote: »

^^^^^^^

You must be doing something wrong. The cartel is supposed to give the same quote to everybody. Your figures smack of open competition. Chancers

Seriously, it’s mental. AA quoted me 627 last year comp. yesterday on the phone to Declan he hits me with 927. I said WTF, ? He said “ yeah, I knew it was gonna be high cause it’s an Audi, same with BMWs with us for some reason....”

Utter madness. Regulated me hole.

A Law

dodzy wrote: »

It’s all bullsh**. I’ve been messing around with quotes all morning. One insurer drops the insurance incrementally when the cars value increases from 2k up to 7k and then goes the on the other way as I continue increase the value.

2005 a6 2.0tdi.
No points, full license 30 yrs, full NCB. Last year with Allianz was 660.
Up to 805 on renewal.
Looking at 123.ie for 630 but can get it to 414 (reducing to TPF&T) & manipulating cars value, also adding a friend (wife don’t drive).

Aviva want 833 for TPF&T.

Changing up to a 141 Octavia VRS reduces to 376 but obviously you’d have to go comp on that. Still less than €500.

Allianz can take a jump. And I’m gonna cancel the mutt insurance too. Their loss.



Update: AXA. €1092 comp for the Audi, €995 for TPFAT
THE 141 Octavia Vrs, same price, give or take 20 quid on both.


Liberty: 1226 for comp on the Audi, 1012 TPFAT; 1072 comp for the VRS.

Well that’s enough of that, looks like 123.ie will be getting the funds.

I'm getting the very same thing with a '00 318. Works out cheaper to insurance it valued at 7000 that 1000 with 123!

dodzy

joefuss1986 wrote: »

I'm getting the very same thing with a '00 318. Works out cheaper to insurance it valued at 7000 that 1000 with 123!

One of these days I’m gonna set aside a few hours and knock out a plethora of quotes, while fudging things such as above. Nothing wrong with valuing your car up/down to improve the quotation. I’d say if you were to delve into additional driver profiles, job profiles, mileage, all sorts of field adjustments, obviously within reason, there’s loopholes in there. Just reiterates the sham that is the motor insurance sector in this country. :mad:

tcawley29

dodzy wrote: »

One of these days I’m gonna set aside a few hours and knock out a plethora of quotes, while fudging things such as above. Nothing wrong with valuing your car up/down to improve the quotation. I’d say if you were to delve into additional driver profiles, job profiles, mileage, all sorts of field adjustments, obviously within reason, there’s loopholes in there. Just reiterates the sham that is the motor insurance sector in this country. :mad:

Be careful with the value. You can overvalue it all you want and they'll go off the market rate at the time but under value it and thats all you'll get if claiming off your own policy.
I used to over value too and I think 11k euro was the magic number on an 06 corolla with liberty.

Eggs For Dinner

dodzy wrote: »

Utter madness. Regulated me hole.

What do you think Regulated actually means?

TallGlass

Liberty came down, when my mind didn't notice the extra 0 on 2500...

Mind boggling.

Also, how the hell, you add more drivers to your policy the risk price comes down??

Fanny Wank

TallGlass wrote: »

Also, how the hell, you add more drivers to your policy the risk price comes down??

The insurer's data suggests insured only in more risky than insured and partner, insured and other etc

I've worked for three insurers and that's been the case for all 3

TallGlass

Fanny **** wrote: »

The insurer's data suggests insured only in more risky than insured and partner, insured and other etc

I've worked for three insurers and that's been the case for all 3

Don't follow the logic to be honest...


With one person the car could be used maybe for 1 or 2 hours, with two maybe 4 or 5, then with three, maybe 6 or 7 hours.. The car is spending more time on the road so that would be increasing the chances of an incident?

grogi

TallGlass wrote: »

Don't follow the logic to be honest...


With one person the car could be used maybe for 1 or 2 hours, with two maybe 4 or 5, then with three, maybe 6 or 7 hours.. The car is spending more time on the road so that would be increasing the chances of an incident?

It is much deeper than that.
If you have anyone that is willing to be insured with you, you are not a maniac...

jacksie66

This post has been deleted.

Duffryman

Yup, the way the insurers see it, a married man is likely to be more responsible than a single one, and therefore less of a risk on the roads.

As regards quotes - I must be different from everybody else because my insurance keeps coming down.

For the past few years, I've driven a Kia Ceed Sportswagon 1.4 diesel. I'm 43, married, full No Claims Bonus, no penalty points in any of those years.

Two years ago, insurance was approx €480. Last year it was €420. This year it was €380. All with the same insurer (Aviva).

xalot

Male Driver 38, No penalty points and no claims. Fully comp with one named driver.
Volvo, S40, 2005 1.8 Petrol

AA 566
AIG 567
An Post 588
123 601
Sheridan 688
AXA 707
Aviva 743
Zurich 811
Liberty 832
25+ 1130

All quotes are online, not sure if it's been mentioned but the AA have a webchat facility where they see if they can drop the price when you engage with them. My quote came down nearly 100euro when I said I'd a better quote...

jeffk

Toyota corolla 2002

Up about 30 and some of the usual sites I got a laugh I mean quote from

Am I missing any?
123
€794.95
25 Plus
Wont quote
AA
Wont quote
AIB
929.11
AIG
Wont quote
Allianz
557.76
An Post
587.16
Aviva
Over 14 years
AXA
894.92
Blue Insurance
Wont Quote
Britton
€1280.73
Chill
Server issues
BOI
Wont quote
FBD
Wont quote
Quote Me
1100.23

TallGlass

An Post seem to have a problem with you if you decide to take a break driving for a year

Any messing from insurance companies and it's swiftly onto the next one with me.

So An Post, it's a No from me.

Skatedude

Car: Bmw E31 1997 840ci sport 4400cc (only car)
License Full since 1990
Current Insurer- Aig through first ireland
max years NCB
No points
custom head unit,wheels and exhaust declared
Male 46
6000 yearly millage limit on classic policy
400 last year 450 this year

dodzy

tcawley29 wrote: »

Be careful with the value. You can overvalue it all you want and they'll go off the market rate at the time but under value it and thats all you'll get if claiming off your own policy.
I used to over value too and I think 11k euro was the magic number on an 06 corolla with liberty.

You'll get the market rate at the time of the incident; over or undervalued; it doesn't matter.

grogi

dodzy wrote: »

You'll get the market rate at the time of the incident; over or undervalued; it doesn't matter.

You will not get more than what you valued it for. So it does matter.