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Insure my first car

  • 01-04-2023 1:55pm
    #1
    GasSnake
    Registered Users, Registered Users 2 Posts: 6 ✭


    Hi folks, so the story is that I just got my full licence and I am hoping to buy my friend's 2011 Audi a6 2.0 diesel as he's upgrading and I've always liked that car of his.

    After trying like 10 different websites I found out that the only company that will quote me is 123.ie at €2250, what are my options? Do I just have to go with them?

    Thanks in advance for any advice.

    Post edited by GasSnake on


Comments

  • #2
    User1998
    Registered Users, Registered Users 2 Posts: 7,712 ✭✭✭User1998


    What age are you? Try Kenn Co



  • #3
    HeidiHeidi
    Registered Users, Registered Users 2 Posts: 30,051 ✭✭✭✭HeidiHeidi


    Try a couple of brokers, and actually ring them.

    That's a big engine car to be insuring with absolutely no NCD and a new licence.



  • #4
    GasSnake
    Registered Users, Registered Users 2 Posts: 6 ✭GasSnake


    https://www.boards.ie/discussion/comment/120428041#Comment_120428041

    i'm a 26 male, software engineer



  • #5
    User1998
    Registered Users, Registered Users 2 Posts: 7,712 ✭✭✭User1998


    Kenn Co insured me on a 2 litre when I was 19, but I had 1 years no claims bonus at the time. Should give them a try



  • #6
    GasSnake
    Registered Users, Registered Users 2 Posts: 6 ✭GasSnake


    https://www.boards.ie/discussion/comment/120428055#Comment_120428055

    Yeah I tried chilly and another broker but I didn't get quotes back online maybe I need to try ringing them.

    I wouldn't dream of buying this it just so happens my friend's selling it so I know it's in decent condition.



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  • #7
    Lockheed
    Registered Users, Registered Users 2 Posts: 707 ✭✭✭Lockheed


    Axa did me 1st time, no NCD on a 1.9 diesel at 22, under e1500 too, worth a ring



  • #8
    GasSnake
    Registered Users, Registered Users 2 Posts: 6 ✭GasSnake


    https://www.boards.ie/discussion/comment/120428273#Comment_120428273

    Wow that's pretty good, I can't get a quote from them online but I'll call them come Monday.



  • #9
    Del2005
    Registered Users, Registered Users 2 Posts: 19,102 ✭✭✭✭Del2005


    https://www.boards.ie/discussion/comment/120428055#Comment_120428055

    I've a big engined petrol car with a full NCD. If a company won't quote you online they won't quote when you call them. I tried all the companies and brokers I could find one year and requested call backs from any that wouldn't give an online quote. None of the call backs resulted in a quote. One agent got very confused when they rang me as the computer said No, but it still did the call back!



  • #10
    billyhead
    Registered Users, Registered Users 2 Posts: 10,181 ✭✭✭✭billyhead


    You could try Boxymo OP. They use a tracking device to monitor your driving but it's usually cheap insurance. Once your not taking the piss in your driving you shouldn't have any issues.



  • #11
    greasepalm
    Registered Users, Registered Users 2 Posts: 5,585 ✭✭✭greasepalm


    First i would ask if your going to do Motorway driving and if not dont buy it as will cost a fortune in repairs.



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  • #12
    User1998
    Registered Users, Registered Users 2 Posts: 7,712 ✭✭✭User1998


    https://www.boards.ie/discussion/comment/120428889#Comment_120428889

    I have been refused online multiple times and got quotes over the phone



  • #13
    GasSnake
    Registered Users, Registered Users 2 Posts: 6 ✭GasSnake


    https://www.boards.ie/discussion/comment/120428907#Comment_120428907

    Do you mean that as in if I don't the dpf filter would be a problem?



  • #14
    greasepalm
    Registered Users, Registered Users 2 Posts: 5,585 ✭✭✭greasepalm


    https://www.boards.ie/discussion/comment/120428998#Comment_120428998

    Diesel cars are not suited for city driving as many got caught out when they bought them and need travelling on motorway to burn out the carbon.



  • #15
    walshtipp
    Registered Users, Registered Users 2 Posts: 377 ✭✭walshtipp


    Definitely ring the insurance companies instead of getting online quotes. You will always get a better deal over the phone as you can haggle a bit with them. I used liberty when I started driving abeit in a 1.6. Also try the AA, I have gotten good quotes from them in the past.



  • #16
    Del2005
    Registered Users, Registered Users 2 Posts: 19,102 ✭✭✭✭Del2005


    €2250 for a new licence and no NCD in a big old car is probably around the right price for insurance. Try adding a named driver, but I can't see many companies giving lower quotes.



  • #17
    akasudonim
    Registered Users, Registered Users 2 Posts: 125 ✭✭akasudonim


    Op +1 to call them. But try brokers, start with https://www.arachas.ie/young-drivers-insurance

    Also if possible add one of your parents or an experienced relative to the quote, seems to reduce the premium.



  • #18
    beachhead
    Registered Users, Registered Users 2 Posts: 2,987 ✭✭✭beachhead


    Always follow an online quote with a phone call.Sometimes results in a lower quote but you are ,also,verifying that the computer has your correct details/experience etc Try as many brokers as you can find.



  • #19
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,861 Mod ✭✭✭✭Henry Ford III


    Move to insurance forum?



  • #20
    creedp
    Registered Users, Registered Users 2 Posts: 5,969 ✭✭✭creedp


    https://www.boards.ie/discussion/comment/120430309#Comment_120430309

    I'm wondering how insurance companies will handle EVs in future when even small basic EVs will have more power than big 2L diesel lumps.



  • #21
    Buffman
    Registered Users, Registered Users 2 Posts: 2,875 ✭✭✭Buffman


    OP, forget the online quotes in your situation, all you'll get is 'computer says no'. Try ringing around insurance brokers and see how you get on.

    To be fair I was expecting you to say you'd been quoted something mad like €5k.

    FYI, if you move to a 'smart' meter electricity plan, you CAN'T move back to a non-smart plan.

    You don't have to take a 'smart' meter if you don't want one, opt-out is available.

    Buy drinks in 3L or bigger plastic bottles or glass bottles or cartons to avoid the DRS fee.



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