Car insurance - tell us your quotes/renewals

grogi

jeffk wrote: »

/.../ you get quoted half the price of what the cars worth

But that's completely irrelevant. Majority of the premium goes towards TPL insurance and the value and age of the car has opposite effect to the premium...

jeffk

grogi wrote: »

But that's completely irrelevant. Majority of the premium goes towards TPL insurance and the value and age of the car has opposite effect to the premium...

I dont get you?

Sue Pa Key Pa

jeffk wrote: »

I dont get you?

Most of the premium goes towards the damage and injury the car can do to others

jeffk

Sue Pa Key Pa wrote:

Most of the premium goes towards the damage and injury the car can do to others

Still I find it funny how totally random the numbers are,like mine is up,how did they calculate that

boardsuser1

jeffk wrote: »

Still I find it funny how totally random the numbers are,like mine is up,how did they calculate that

"I'll pull it out of me arse" a banker once said.

They have a similar approach.

jeffk

Cork Truck Driver wrote:

"I'll pull it out of me arse" a banker once said.

They have a similar approach.

They have us over a barrel,an expensive necessary evil

boardsuser1

jeffk wrote: »

They have us over a barrel,an expensive necessary evil

Sadly many of the "entitled" in society see that necessary evil as optional and plough on letting us pay for them.

jeffk

Cork Truck Driver wrote:

Sadly many of the "entitled" in society see that necessary evil as optional and plough on letting us pay for them.

Found out this the hard way when someone hit my car.

You can setup direct debt,cancel,keep disc,looks like you've insurance

boardsuser1

jeffk wrote: »

Found out this the hard way when someone hit my car.

You can setup direct debt,cancel,keep disc,looks like you've insurance

I wasn't in the same boat in 2009, cost me my ncb.

As for the insurance issue, the A.N.P.R in Garda vehicles will be equipped to detect no insurance on cars from September.

Probably is though that there isn't enough to enforce the laws.

Scanning and printing altered discs is another thing going on.

jeffk

Said ill try them all for a laugh and laugh was the word

123
871.63
25 Plus
917.46
AA
794.96
AIB
1,118.05
AIG
1024
Allianz
637.72
An Post
1484.45
Aviva
Over 14 years
AXA
704.70
Blue Insurance
Wont Quote
Britton
853.03
Chill
939
BOI
902
Campion
902.91
Compare Car Insurance
943.33
FBD
Wont quote
KennCo
850 minimum
Quote Me
810.46

Bigmac1euro

It seems Aliianz were also the cheapest for me by a mile, i got the quote online initially because they offered 14% Off
Then i rang them to explain all the extra.

26
Male
Learner permit held for 7 years (Only driving the last two years)
2 Years NCB
07 Opel Vectra 1.6
3 penalty points for speeding.
threw my Dad on it as a named driver

€1400 Allianz directly (no broker)

BOI quoted me 3300

Cover in a click came in at 1850 renewal (with Allianz)

Chill - 2099

I went with 1400 obviously, Allianz beat everyone by a mile.

jeffk

Onto Allianz to chance my arm to see if i can get more off.

Reminding me Allianz customer care are crap over the phone, coming up on ten minutes, plus untold hassle with breakdown assistance before and had to use herselfs from 123 instead

Suppose once you save money and have insurance you hope youll never have to call

loyatemu

renewing for the Mrs. with me as named driver - we're both mid 40s driving a Renault Scenic, no claims or points.

We previously got 2 years insurance in 2015 from Blue for €650, which in fairness was probably the cheapest insurance policy I've ever bought (and obviously meant I avoided last year's hikes). Renewal from Blue for 1 year is €760 (they no longer do the 2 year policies) so more for 1 year than I previously paid for 2 years.

After getting 14 different quotes the cheapest are from Allianz (530), and An Post (550). BOI, Aviva and 25plus were all < 600 as well, everyone else was 700 or more. Worth noting that BOI will allow you pay in instalments without charging you extra for it (you may need to be a BOI customer, I'm not sure). All very annoying as I can't see how we could be any lower risk.

loyatemu

jeffk wrote: »

Reminding me Allianz customer care are crap over the phone, coming up on ten minutes, plus untold hassle with breakdown assistance before and had to use herselfs from 123 instead

Suppose once you save money and have insurance you hope youll never have to call

don't all the insurance companies use the same breakdown provider (except AA obviously)?

Sue Pa Key Pa

loyatemu wrote: »

don't all the insurance companies use the same breakdown provider (except AA obviously)?

No, they all negotiate with different providers, though they can overlap at times

jeffk

loyatemu wrote: »

don't all the insurance companies use the same breakdown provider (except AA obviously)?

The issue was more the press 1 then 4 then 6 then 3 then our opening hours are x y and z, like a game on crystal maze, can you find the breakdown assistance department

Lucky I was outside the house trying to jump her car after being away for a few days, which then turned into two cars needing jumping

Craftylee

To get back to the template :P

Your Age: 27
Car type and engine: 09 Fiesta Petrol 1.25
years driving: 3
any claims: 0
Price and provider: AA renewal €1162
AA (as new customer) €883
123.ie €1,473
Aviva €912
First Ireland €1314
Liberty €885
KennCo €1309
FBD €1,133
25 plus €1485 (very strange, they're usually very good)

All quotes above are for fully comp cover

jeffk

Craftylee wrote: »

To get back to the template :P

Your Age: 27
Car type and engine: 09 Fiesta Petrol 1.25
years driving: 3
any claims: 0
Price and provider: AA renewal €1162
AA (as new customer) €883
123.ie €1,473
Aviva €912
First Ireland €1314
Liberty €885
KennCo €1309
FBD €1,133
25 plus €1485 (very strange, they're usually very good)

All quotes above are for fully comp cover

Watch AA

I got a good deal,something hit me about breakdown, oh no thats not included, its like E100 more and then went on the hard sell about best in Europe etc

Eh no thanks

grogi

jeffk wrote: »

Watch AA

I got a good deal,something hit me about breakdown, oh no thats not included, its like E100 more and then went on the hard sell about best in Europe etc

Eh no thanks

Yeap, the insurence cover does not overlap with their AA offering.

Another thing to be aware of with AA: their assumptions (https://car-insurance.theaa.ie/car-insurance/viewRiskDetails.do?type=standard) say that "4. No insurance company has refused to quote/renew a motor insurance policy, applied special conditions or increased premium in respect of you or any other driver being proposed.".

Hell, I was refused a quote with them when checking if could afford an RX8; I am pretty sure that almost everyone got in similar situation. So if I bought the policy online, the is a potential of it being voided/cancelled on the grounds of non-disclosure. That is insane.

gussieg

Here's a good one, got quotes from Liberty for my son and me a named driver coming in at nearly 400 euro cheaper than the other way around. Both full Irish no claims no penalties and I was charged over a grand.some insurers wanted 3 grand.
When I queried it the guy said oh he must be in our target market . I said what?!!
Yes his age bracket must be in our target market. So there y are now, I'm not in their target market anymore.

grogi

gussieg wrote: »

Here's a good one, got quotes from Liberty for my son and me a named driver coming in at nearly 400 euro cheaper than the other way around. Both full Irish no claims no penalties and I was charged over a grand.some insurers wanted 3 grand.
When I queried it the guy said oh he must be in our target market . I said what?!!
Yes his age bracket must be in our target market. So there y are now, I'm not in their target market anymore.

I'm out of the 30-35 bracket myself and the quotes I get this year start to become outrageous.

Rothmans

I've spent a good chunk of the day getting quotes from all the main websites. It's painstaking stuff. The cheapest quote I've gotten, at almost €900 from Aviva, is nearly double last year's premium :eek: All the main providers quoted €900 - €1200, except Chill (€1600), Britton (€1300), BOI (1600) and AIG was a whopping 3 grand!!

I'm going to ring a few brokers tomorrow in the hope of finding something better. Does anybody have any recommendations re Brokers?

gussieg

Last year I went with brokers because they offered me 640 on a 1.6 litre 1999 car and I didn't realise the crowd I'm insured with Patrona, does business with all of them. So by ringing brokers this time, I've been offered different quotes from Patrona again ranging in difference from 840 to 1200 , and that'd be from 3 different brokers so far.
Having paid 280 back in 2014 thre really needs to be a shake up or shake down of this racketeering/ cartel business, or else we need to get something together like the One Big Switch. People power.

gussieg

Last year I went with brokers because they offered me 640 on a 1.6 litre 1999 car and I didn't realise the crowd I'm insured with Patrona, does business with all of them. So by ringing brokers this time, I've been offered different quotes from Patrona again ranging in difference from 840 to 1200 , and that'd be from 3 different brokers so far.
Having paid 280 back in 2014 thre really needs to be a shake up or shake down of this racketeering/ cartel business, or else we need to get something together like the One Big Switch. People power.

gussieg

Doh ! Did it again!

AlanMcC23

Age: 27
Car: 12 Audi A4 2.0tdi 177bhp auto, UK import.
Years driving: 8
NCB: 8 years
No penalty points
Cover: fully comp, windscreen cover, ncb fully protected, breakdown assist.
Last year: €802
Renewal came in the post yesterday from Aviva for €826
Delighted with that happy days

Rothmans

gussieg wrote: »

Last year I went with brokers because they offered me 640 on a 1.6 litre 1999 car and I didn't realise the crowd I'm insured with Patrona, does business with all of them. So by ringing brokers this time, I've been offered different quotes from Patrona again ranging in difference from 840 to 1200 , and that'd be from 3 different brokers so far.
Having paid 280 back in 2014 thre really needs to be a shake up or shake down of this racketeering/ cartel business, or else we need to get something together like the One Big Switch. People power.

I'm gonna ring around in the morning. I got a quote from a broker online called simplyinsure.ie (never heard of them before) for €800 (Zurich are the Underwriters), and that includes driving other cars and step back. So the prices are finally starting to go in the right direction for me. I'd be hopeful that ringing around to the various brokers will get me good value, as it has done so in the past. As you say, many underwriters such and Patrona and Qudos etc seem only to be accessible through brokers. I've a list of ten to fifteen brokers to get through tomorrow and over the next few days. I'll report back with how I get on.

dodzy

Rothmans wrote: »

I've spent a good chunk of the day getting quotes from all the main websites. It's painstaking stuff. The cheapest quote I've gotten, at almost €900 from Aviva, is nearly double last year's premium :eek: All the main providers quoted €900 - €1200, except Chill (€1600), Britton (€1300), BOI (1600) and AIG was a whopping 3 grand!!

I'm going to ring a few brokers tomorrow in the hope of finding something better. Does anybody have any recommendations re Brokers?

Allianz, just in case you missed them (not a broker). And first Ireland (brokers).

jeffk

dodzy wrote:

Allianz, just in case you missed them (not a broker). And first Ireland (brokers).

I tried first Ireland, gave up trying to get through, look at their Google review, hardly a place you'll want to call if you've issues.

I used a Brooker on the southside, weird that they only took bank draft .

gussieg

Just heard on the radio news that insurance companies though in profit, are NOT GOING TO REDUCE THEIR PRICES.
This is something we are forced to pay for by law, hardly ever gets used, and now they say they want 80% more than what was being paid before.
When is enough enough?
There has to be a revolution.