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Car insurance - tell us your quotes/renewals

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    #5312
    youngblood
    Registered Users Posts: 1,770 ✭✭✭youngblood


    Is it policy for 123.ie to not engage with any further discounts than what they list on the renewal?

    They specifically say do not ring ie. Via Phone it's this price, online its XXX price.

    I rang anyways and they didnt budge. It ended up being the cheapest unfortunately but always looked for forward to them knocking a few quid off the renewal.

    Something must have changed with 123



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    #5313
    CoBo55
    Registered Users Posts: 9,005 ✭✭✭CoBo55


    https://www.boards.ie/discussion/comment/119871854#Comment_119871854

    Yea, it's winter flood time, time for the motorist to refill the coffers of the household claims.



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    #5314
    Andrea B.
    Registered Users Posts: 1,926 ✭✭✭Andrea B.


    Hi.

    An Post can not give me even ballpark charged for adding L drivers for a day or longer.

    123 have changed rules and are now charging a minimum of 27 per shot.

    Has anyone experience of charges for adding L drivers for 1 day periods with an post?



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    #5315
    Andrea B.
    Registered Users Posts: 1,926 ✭✭✭Andrea B.


    https://www.boards.ie/discussion/comment/119871854#Comment_119871854

    Would not budge for me + told me the "reduced" quote was for online renewal, so I would have to go that route.

    Fairly sickened by the lot of them being given the public to milk.



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    #5316
    septicsac
    Registered Users Posts: 485 ✭✭septicsac


    Renewal time ...161 auto Skoda Superb 2.0 D

    AIG renewal 353.10, which is up from 345.10 last yr, with limited work driving covered, fully comp, no points, penalties, Full no claims 10+ yrs.

    Called them to ask for reason for increase and was told insurance is dearer this yr, that despite all the work in bringing claims down.

    priced one other firm but they were considerably dearer, will probably stick with AIG, as it includes golf cover for clubs etc



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    #5317
    Muahahaha
    Registered Users Posts: 19,647 ✭✭✭✭Muahahaha


    Anyone know is a 14 day cooling off period mandatory across all insurers? And if you cancel can they only charge you for X days of insurance or do they lump on a hefty admin fee for doing so as well?

    My renewal off is 506 euro with Chill. So far the closest Ive found is Axa at 550, might be able to get that down further with the 10% discount Credit Union offer, will ring them to find out. All the others I have tried are an absolute joke

    -Its4Women 768 and it doesnt include road assist

    -Alliianz 934

    -123ie 958

    -Bank of Ireland 1,235

    -An Post 1,173

    Any suggestions of who else I could try? Im been driven around the bend spending time filling out online forms then for it to come back with a quote of over a grand.



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    #5318
    Wildly Boaring
    Registered Users Posts: 3,645 ✭✭✭Wildly Boaring


    AIG and Quote devil my cheapest over last 10 years



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    #5319
    septicsac
    Registered Users Posts: 485 ✭✭septicsac


    Another for AIG, beaten everyone for past 4/5 yrs for myself, wife and house insurance.



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    #5320
    pluto_322
    Registered Users Posts: 52 ✭✭pluto_322


    Sending details of my premiums with RSA through Bank of Ireland over the past four years.

    2019                      €398.01

    2020                      €425.47

    2021                      €468.02

    2022                      €468.01

    2023                      €751.07 (Renewal Notice)

    I haven't been given any logical explanation for the 61% increase this year.

    NB. I am driving the same vehicle since 2018 with the same level of cover and have full no claims bonus.



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    #5321
    CrowdedHouse
    Registered Users Posts: 6,839 ✭✭✭CrowdedHouse


    211 BMW 330D (2993cc) Comp with protected NCD, last year €540

    Zurich renewal €675

    AXA €750

    Allianz €676

    AIG €674

    123 €590

    Liberty €645.....fella called and offered me a further 5% off

    FBD €535

    Aviva €418......cleared, started from scratch...double checked....same number and bought!

    Seven Worlds will Collide



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    #5322
    Wildly Boaring
    Registered Users Posts: 3,645 ✭✭✭Wildly Boaring


    https://www.boards.ie/discussion/comment/119947717#Comment_119947717

    Nice car, quote fairly good too



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    #5323
    SCOOP 64
    Registered Users Posts: 5,246 ✭✭✭SCOOP 64


    https://www.boards.ie/discussion/comment/119920138#Comment_119920138

    This is worrying , i am with RSA Bank of Ireland, similar to yours gone up abit the last 4 years but €468 to €751!, my insurance is up 17th January so waiting for renewal quote.

    My problem will be to get quotes on my car being a 1998 that's why I've stayed with Bank of Ireland for years.



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    #5324
    ILikeBoats
    Registered Users Posts: 2,519 ✭✭✭ILikeBoats


    123.ie just sent me 50 euro All4One card because I went with them this year.



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    #5325
    wotzgoingon
    Registered Users Posts: 14,309 ✭✭✭✭wotzgoingon


    https://www.boards.ie/discussion/comment/120017564#Comment_120017564

    Fúckers, I'm with them years and they never sent me anything ever except a renewal each year.



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    #5326
    whymewhynow
    Registered Users Posts: 1 ✭whymewhynow


    aviva 478 renewal

    called them & got it to 436

    is there any chance of another reduction with a second call?

    I've quotes of 373 with allianz, 355 with fbd, 292 with its4w. Want to stay with aviva really to get the young fella going next year... will i have to suck it up?



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    #5327
    CoBo55
    Registered Users Posts: 9,005 ✭✭✭CoBo55


    https://www.boards.ie/discussion/comment/120073318#Comment_120073318

    With a 292 figure in your hand I'd be ringing them back, that's a great price.



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    #5328
    SCOOP 64
    Registered Users Posts: 5,246 ✭✭✭SCOOP 64


    https://www.boards.ie/discussion/comment/120073318#Comment_120073318

    Renewed my one last week with Aviva, €430 down to €380, told them i got quote with Axe , they matched it .

    But that quote for €292, doubt they will match that.



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    #5329
    Sexual Chocolate
    Registered Users Posts: 2,060 ✭✭✭Sexual Chocolate


    https://www.boards.ie/discussion/comment/119950221#Comment_119950221

    With Bank of Ireland about 4 years. This year quote is about 500 more from 650 last year. And is the only company who has quoted me over 1000 so far. Will be shopping around properly next week but so far is seems Axa and 123.ie are front runners.



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    #5330
    SCOOP 64
    Registered Users Posts: 5,246 ✭✭✭SCOOP 64


    https://www.boards.ie/discussion/comment/120075167#Comment_120075167

    Our second car is with Bank of Ireland (RSA) a old 98 Astra G, been with them a while as its hard to get quotes on old cars, just renewed yesterday , €490 renewal quote ,after telephone conversation down to €430, thought it might be more this year as others also have received hikes with RSA.



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    #5331
    Signore Fancy Pants
    Registered Users Posts: 3,686 ✭✭✭Signore Fancy Pants


    https://www.boards.ie/discussion/comment/118625138#Comment_118625138

    This years renewal, no vehicle change, no accidents etc.

    Renewal with Allianz is up €5.68 LOL



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    #5332
    Sexual Chocolate
    Registered Users Posts: 2,060 ✭✭✭Sexual Chocolate


    https://www.boards.ie/discussion/comment/120075293#Comment_120075293

    The way it was put to me regarding my increase was supposedly something to do with a law that came in last July about insurance companies not rewarding customers already with them when it comes to renewal time so as to give other companies an equal opportunity. Biggest load of bollocks I've ever heard.

    It also annoys me as well that nobody is willing to take into account that I have a Ghost fitted to the car 🤷‍♂️



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    #5333
    Sexual Chocolate
    Registered Users Posts: 2,060 ✭✭✭Sexual Chocolate


    2017 Focus ST TDCi

    Fully comp Bank of Ireland prestige policy.

    With them since 2019

    20,21 & 22 prices have all ranged between 615 - 653 with the latter being the most recent figure. BOI actually tells you on renewal the previous prices.

    This year's renewal......€1039. Yep a 60% increase.

    Was adviced to get a quote via the sales team and that was €1004.

    After some shopping around I've got the following :

    All quotes at the very minimum require full NCB protection.

    FBD €920 (Sales person was adament I wouldn't do better 😂)

    Chill €773 (Axa)

    123.ie €770

    AA €845

    GoSetGo €795

    Aviva €845

    An Post €864

    Liberty €579 and €735 with customized options

    GMIB €715 (axa) was higher before phone call

    Axa €780 then €685 after phone call

    Cover in a click €615 (Axa)

    Going to see if Axa are willing to match the cover in a click quote considering it's their own as well. Only difference seems to be driving of other cars is fully comp with Axa themselves. See what happens but either way my middle finger goes to Bank of Ireland. 🖕🏼


    There's a few more to contact but First Ireland will be avoided altogether regardless of price.



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    #5334
    JIdontknow
    Registered Users Posts: 723 ✭✭✭JIdontknow


    My BOI Car Insurance Renewal also gone up approx. 55-60%. New customer quote gets it down (There doesn't seem to be a problem with this, I did it last year or the year before and they transferred the documents across) but still a little higher than last years premium. So far Allianz seems to be the cheapest but still shopping around.



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    #5335
    Roberto_gas
    Registered Users Posts: 4,062 ✭✭✭Roberto_gas


    Are there any online discount codes ever for aviva or its just thr for SHOW !



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    #5336
    ofcork
    Registered Users Posts: 5,385 ✭✭✭ofcork


    Got my renewal from chill 502 practically same as last year rang a few others and did a few online nothing close,51yo full licenceno claims 3 points 2012 2l avensis.How are some people geting quotes in the 300/400 bracket??



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    #5337
    on_the_roots
    Registered Users Posts: 184 ✭✭on_the_roots


    Age: 35

    License: 4y Full Irish

    NCB: 4y

    Car: 2017 Lexus NX300h


    • Its4Women (AIG): 627,00 (renewal offer)
    • GetSetGo (AIG): 667,00 (no cover for driving other cars)
    • AnPost: 705,00 (Comp + StepBack) or 739,00 (Full NCB protection)
    • FBD: 780,00 (Comp + StepBack) or 564,00 (3rd party only)
    • Whoops.ie: 1117,00 
    • Bestquote.ie: 1132.91
    • SuperValu: 1136,00
    • Quote Devil (AXA): 1234,00
    • Aviva: 1266.60
    • AIB: 1310,00
    • AA: 1317,00
    • Chill.ie (AXA): 1401,00
    • 123.ie: 1715,00 


    Went for a renewal with Its4Women, basically same price from previous year. A bit frustrating I couldn't get any better from any quote, despite no claims at all, but was the best I could get.



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    #5338
    jeffk
    Registered Users Posts: 5,841 ✭✭✭jeffk


    Changed from a 2012 VW Golf to a 181 Toyota Auris and Champion charged me E169 because its a more expensive car (E570 for the year so almost 1/4)

    Checked BOI just too see and a year with them is E584, wheres Champion is now E740



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    #5339
    jeffk
    Registered Users Posts: 5,841 ✭✭✭jeffk


    https://www.boards.ie/discussion/comment/120176659#Comment_120176659

    Phonecall today to say because from 1.2 to 1.8 as well

    Funny enough the 1.2 was a turbo and like a rocket compared too the 1.8 with all the safety etc stuff



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    #5340
    easyvision
    Registered Users Posts: 234 ✭✭easyvision


    2022 Golf GTD, 4 years no claims discount, 1 claim in 2019 (added partner reduces prices a bit)

    Cheapest so far is Aviva 426, next is 490 (with AXA - renewal is 570 with same details, thought this was outlawed?) Rang up AXA, they will not budge on the 490 price inc breakdown. I said I got cheaper with Aviva by 70, didnt want to know me, goodbye! Yet I hear of insurance companies manually adjusting prices for people, in all my years that Ive asked no insurance company will ever match a quote i get even by 50, dunno what Im doing wrong.....

    Id like to stick with AXA for the 4c off a litre in Circle K

    Everyone else is 200-800 dearer. Tried most of them, Liberty, Zurich, AIG, Allianz, FBD (wont quote online - I know it will be dearer, same for An post), Its 4women, Kennco, AIB insurance

    If anyone has a Aviva discount code for online let me know ;)



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    #5341
    boardise
    Registered Users Posts: 3,435 ✭✭✭boardise


    Does anyone know if accepting a larger excess ( say 600 instead of 300 ) would reduce the premium by much -if at all ?

    Footnote- Last year got insurance with RSA for 415 .This year I got a spread of quotes through Chill -RSA were the dearest at 1548 ..same everything.

    How can this make any sense ?



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