Car insurance - tell us your quotes/renewals

tcawley29

dodzy wrote: »

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

You're wrong. You will only get what you declared (or market if lower) if claiming off your own policy.
If its a third party you will get the market value regardless of what is declared when going through their own insurance

PoolDude

Just got my renewal on my 181 Land Rover Discovery.

Up from €500 on my previous BMW 4 series to €684.
Age 43, male, full NCB, no penalty points, full license for >10 years


Just tried pricing a few places - itsforwomen look cheapest at €441.

So they insure men too! (I know they have to)

tcawley29

PoolDude wrote: »

Just got my renewal on my 181 Land Rover Discovery.

Up from €500 on my previous BMW 4 series to €684.
Age 43, male, full NCB, no penalty points, full license for >10 years


Just tried pricing a few places - itsforwomen look cheapest at €441.

So they insure men too!

They have to. That would be a lawsuit otherwise.

fando

irbx wrote: »

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

The same car, similar circumstances, similar quote.

Guess I'm not the only one screwed for driving a "sports car".

A Law

Your Age: 32 and wife as named driver 32, no points, full licences.
Car type and engine: '00 E46 318CI
years no driving: 10+ for both
any claims: 8+ years no claims
Price and provider: renewal was 660. Comp and NCP with 123.ie.

Quoted online 123.ie TPFT with NCP. €520 with and car valued at 2000. €458 with car valued at 7000.

Rang to see what price they'd give me. She changed original quote to TPFT and it came to €468. Told her I had an online one for €458. She changed the value of car to €7000, few other things and put me on hold to get approval she said. Came back to me and it was €407! Only rang Chill otherwise and they were €900.

taytobreath

Hi

Apologies if this has been asked several times before.

Do u fill out those applications for quotes to several of those companies or is there 1 place u go to where it compares the quotes. I would think filling out several applications is fairly time consuming

Stoolbend

tcawley29 wrote: »

They have to. That would be a lawsuit otherwise.

Try get them on the phone if you’re already a customer. Absolute nightmare to contact some of these insurance companies to make any changes to a policy or temporary transfer.

A Law

taytobreath wrote: »

Hi

Apologies if this has been asked several times before.

Do u fill out those applications for quotes to several of those companies or is there 1 place u go to where it compares the quotes. I would think filling out several applications is fairly time consuming

In my experience online quotes are never the cheapest. I try one or two of the main insurers and brokers like chill, quote devil etc out of curiosity online but if you're really interested in getting the best deal you need to make as many phone calls as possible. Looks at others here with similar driving experience and car to you and see how they got on with their quotes. For instance 123 seem cheapest with 15+ cars in my experience with no claims.

Odyssey 2005

taytobreath wrote: »

Hi

Apologies if this has been asked several times before.

Do u fill out those applications for quotes to several of those companies or is there 1 place u go to where it compares the quotes. I would think filling out several applications is fairly time consuming

The likes of chill try a good few. I spent two days ringing around for Mrs O's ins. Difference between the highest and lowest was about 2k. Worthwhile exercise.

grogi

taytobreath wrote: »

Hi

Apologies if this has been asked several times before.

Do u fill out those applications for quotes to several of those companies or is there 1 place u go to where it compares the quotes. I would think filling out several applications is fairly time consuming

After a few it takes only five mins per application. It takes around two hours to go though all of them, and then calling the few most competitive to drag it further down.

sderref

Hi,
43y, 10+no claim bonus, Suzuki Ignis 1.3 2005- €550 last year comprehensive

aviva-renewal offer 462
kennco 821
quote me 861
fbd -cant quote online
allianz 583
aa 708
liberty 1018
axa 959
aig 714
123. 660

Craftylee

Your Age: 28
Car type and engine: Fiesta Titanium X 123
years driving: 4
any claims: no
Price and provider:

Liberty (renewal quote) - €828
Liberty (new customer) - €652
123.ie - €953
AIG - €1500+
ALLIANZ - Car isn’t listed…
FBD - €826
AA - €1,300
Aviva - €687
Axa - €1,130
First Ireland - €875
SuperValue - Won’t quote... sigh
Bank of Ireland - €2,300+

Last years was €850, so a €200 saving for another years NCB is great

AlanMcC23

Renewal letter came yesterday
Your Age: 28 male
Car type and engine: Audi A4 2.0tdi 177bhp 2012 s-line uk import
Years driving: 9
Any claims: 0
NCB: 9 years
Price and provider: €850 fully comp, step back protection, windscreen cover etc with Aviva, paid €835 last year.

TallGlass

505€ with 123.ie

Amazed about some of the question, when did I buy the car? Can't understand that one. Seem to want me to send them a copy of the tax disc for some reason too.

Landoflemon

Looking at changing my trusty Yaris after 10 years of driving it. Not going to happen.

Your Age: 29
Car type and engine: 2007 2L Honda Civic Type R
years driving: 11
NCB: 6+
any claims or points: no

123.ie = would not quote
KennCo = €1500 (3rd Party)
ARB Elite = €2000

A Law

Mite be worth a try renewing your insurance in the Yaris for the year and pricing a switch to the civic after a couple of months.

Landoflemon

Thanks, I have looked at that, and it's reasonable, I'm just terrified not knowing what the story would be at renewal time!

q85dw7osi4lebg

Landoflemon wrote: »

Looking at changing my trusty Yaris after 10 years of driving it. Not going to happen.

Your Age: 29
Car type and engine: 2007 2L Honda Civic Type R
years driving: 11
NCB: 6+
any claims or points: no

123.ie = would not quote
KennCo = €1500 (3rd Party)
ARB Elite = €2000

Try Aviva or Campion. They quoted me with similar info.

EDIT: Quoted me less than above.

Landoflemon

I tried Aviva there, and they wouldn't give me a quote online. I'll have to try over the phone maybe.

q85dw7osi4lebg

Landoflemon wrote: »

I tried Aviva there, and they wouldn't give me a quote online. I'll have to try over the phone maybe.

Do. Also try through a broker, my local broker initially got me the Aviva deal, cheaper than through Aviva themselves.

Captain Flaps

Your Age: 30
Car type and engine: 2004 Ford Focus Saloon 1.4L
years driving: 12
NCB: 5+
any claims or points: no

€650 with AIG

Landoflemon

Jose Quiet Point wrote: »

Do. Also try through a broker, my local broker initially got me the Aviva deal, cheaper than through Aviva themselves.

Called Aviva there and they refused it based on the fact it was a type R. Real shame.

q85dw7osi4lebg

Landoflemon wrote: »

Called Aviva there and they refused it based on the fact it was a type R. Real shame.

Previously quoted me on a DC5 and subsequently insured me on my s2000, seems to be different rules for different people unfortunately!

TeaBagMania

Don't forget the Honda's and Subaru's are popular with the boy racer crowd, not to mention a higher theft rate. As you've found the insurance premiums are priced to reflect as such.

Personally I would never purchase one for those reasons alone

Landoflemon

TeaBagMania wrote: »

Don't forget the Honda's and Subaru's are popular with the boy racer crowd, not to mention a higher theft rate. As you've found the insurance premiums are priced to reflect as such.

Personally I would never purchase one for those reasons alone

Yeah, the stereotype definitely hurts it. A shame because they're a great car, and not too many other cars tick the same boxes.

blade1

Received my renewal quote from AIG in the post.
46 yo.
2013 Lexus IS300H F Sport.
Fully comp with bonus protection and windscreen cover.
€455.

That's the first time in over 10 years that my renewal quote hasn't been scandalous.
I change company ever year and give 2 days getting quotes and usually end up getting it for somewhere between 400 and 500 each time.
Might not even bother this year as that's not too bad at all.

theteal

07 Mazda 3 1.6
35 year old male owner, 33 female named
<3000 Miles a year
Irish Licence 11 years
NCD 11 years

Previous year £335.13
Renewal ~ £380

I shopped around and the lowest I could get was ~£300

I called back for a haggle and noticed a little error on their online form. With an adjustment of the error my renewal is now £256.06 fully comp, protected.

Bit his arm off!

raxy

38 M driving a 152 1.6d leon
Renewal €770 up from 680 last year.
I've done ~20 online quotes
Cheapest €650
Dearest €1158

I tried changing the voluntary excess & ncb protection on 1 quote but it made no difference. In fact increasing the voluntary excess actually increased the quote.
The majority of insurers have my car wrong when looking up using the reg. They put it as a higher model so not sure if that is making my quotes higher.
2 years ago my insurance was 400 on an 08 Passat 2.0 diesel

Edit: Just did a quote selecting the car instead of using the reg & quote is 621.

thefa

29 Male
2011 2.0 Seart Leon FR
2 years NCB (€1,200 accident in 2016)
3 points

Best - Fully Comp €1,597 123/RSA
Next best - Third Party €1,599 Chill (Axa)
Some sites such as liberty won't even quote.

Faith+1

raxy wrote: »

38 M driving a 152 1.6d leon
Renewal €770 up from 680 last year.
I've done ~20 online quotes
Cheapest €650
Dearest €1158

I tried changing the voluntary excess & ncb protection on 1 quote but it made no difference. In fact increasing the voluntary excess actually increased the quote.
The majority of insurers have my car wrong when looking up using the reg. They put it as a higher model so not sure if that is making my quotes higher.
2 years ago my insurance was 400 on an 08 Passat 2.0 diesel

Edit: Just did a quote selecting the car instead of using the reg & quote is 621.

How does that even make sense

Anjobe

51 yr old M, full NCD, driving '11 Kia Sorento 2.2d
Renewal quote from Allianz (via the AA) - €974 :eek:
Quote from Liberty €523 -10% as my wife is also with them = €471

Funny thing was I bought this car in Jan and got a quote from Liberty before hand just to see what it was going to cost and this quote was €880. Where these numbers come from is a complete mystery!

Foxhole Norman

24, 2003 BMW E39 540i 4.4
5+ NCB

Aviva Fully Comp last year : €2,080
Aviva Full Comp Renewal : €1,783

Happy with that considering the car, my age and they dropped €300 off the price, no one else has even quoted me so far.

Sadb

37 yr old F with 39 yr old m as named driver
04 Toyota avensis 1.8ltr
13 years full licence
Claim 4 years ago, €3000
Aig (same insurer since before claim) €541 fully comp, reduced to €504 for paying a week early.

Captain Flaps

Sadb wrote: »

37 yr old F with 39 yr old m as named driver
04 Toyota avensis 1.8ltr
13 years full licence
Claim 4 years ago, €3000
Aig (same insurer since before claim) €541 fully comp, reduced to €504 for paying a week early.

They make these numbers up completely.

I've a smaller engine same age car, basically same number of years driving, no claims in the last 5 years and you're still cheaper than me with the same insurer!

skibum

Your Age: 52
Car type and engine: 2001 Opel Astra 1.4
years driving: 33
any claims: none
Price and provider: Allianz, It was €461 last year, €474 Renewal, fully comp with bonus protection etc Got it down to €455....


Tried:
AA €974 third party
AIG no quote, car too old
123.ie no quote, car too old
AVIVA no quote, car too old

kerten

Drivers :38 years old M and 38 years old F as named driver
Car: 161 Citroen C4 Grand Picasso 1.6 auto
NCB : 10 years
Renewal : 520 Euro from a company called Fleetwood via FirstIreland.

It was around 800 euro from Allianz for 05 Focus 1.6 last year.

corcaigh1

Foxhole Norman wrote: »

24, 2003 BMW E39 540i 4.4
5+ NCB

Aviva Fully Comp last year : €2,080
Aviva Full Comp Renewal : €1,783

Happy with that considering the car, my age and they dropped €300 off the price, no one else has even quoted me so far.

Happy paying 1800 for insurance, good lord thats insane!

punisher5112

corcaigh1 wrote: »

Happy paying 1800 for insurance, good lord thats insane!

Not for the car and persons age.

ELM327

corcaigh1 wrote: »

Happy paying 1800 for insurance, good lord thats insane!

Considering it's less than the annual tax bill and he's in his twenties (afair) it's not bad at all.

NIMAN

I am in shock, my car renewal premium has come down this year!

Yes folks, you heard right. Down.

I spent days and days trying to get a decent quote last year, finally got one for €476.
Renewal came in, and its €436.

Nearly fell off the chair. Think thats the first time in quite a few years my premium has gone down.

lakill Farm

corcaigh1 wrote: »

Happy paying 1800 for insurance, good lord thats insane!

When I started driving at 19 (2002) on my own policy. In a 1.1 petrol p206. Provisional licence.
4900 including tracksure from AxA.

MikeHammer70

1.3 99 car

50 yrs old no claims or points

460 Inc full NCB protection, breakdown cover

Aviva

I had a minor accident and they sent an investigator ,no claim arose and my premium came down

SCOOP 64

MikeHammer70 wrote: »

1.3 99 car

50 yrs old no claims or points

460 Inc full NCB protection, breakdown cover

Aviva

I had a minor accident and they sent an investigator ,no claim arose and my premium came down

You must have been with them awhile ,they wont quote me on a 98 Astra,
but my 08 Zafira is insured with them €280 fully comp.

MikeHammer70

SCOOP 64 wrote: »

You must have been with them awhile ,they wont quote me on a 98 Astra,
but my 08 Zafira is insured with them €280 fully comp.

About 5-6 yrs

What happens if i have to change car,will they refuse me a quote on an old car?

trixiebust

Your Age: 36
Car type and engine: 09 BMW 318i
years driving: 10+
any claims: no
Price and provider: €562 with 25+ .ie fully comp & full NCB protection.

Was with 123 for years & they wouldn't go below €717.

SCOOP 64

MikeHammer70 wrote: »

About 5-6 yrs

What happens if i have to change car,will they refuse me a quote on an old car?

Wonderer the same myself, im with BOI.

tcawley29

MikeHammer70 wrote: »

About 5-6 yrs

What happens if i have to change car,will they refuse me a quote on an old car?

I think I say a poster a few weeks ago who had this situation and they didn't have any issues as they already had an old car to begin with.
I couldn't tell you which insurer or poster that was though.

I believe the insurance companies only clamp down on this for new business.

DaveyDave

26 driving a 172 Golf Highline 1.0 110hp. 1 year NCB, no claims. €1,010 with Liberty including 10% multipolicy discount. Down from €2,500 the previous year and it's €300 less than I expecting on a recent quote.

podgey1992

VW Golf 2011 2.0 140bhp. First policy, 8 years named driver experience, no NCB. Male 26 yo.

For fully comp insurance:

zurich: 1059
chill: 2 grand
kennco (via chill): 1392.48
kennco (on phone): 944
123.ie (phone): 2109
liberty online: 1425.96
aviva: wont take (no prev policy)
FBD: 1054.35
AIG: 1350
AA: 1190
boxymo: 1242.12


Went with KennCo, breakdown assist, windscreen cover etc all included. Pretty happy as it's my first policy. Chill and 123.ie by far the worst!

accensi0n

99 Nissan almera 1.4

32 years old.

First time policy, 3 years named driver.

1200 with AA/AXA, fully comp.