Car insurance - tell us your quotes/renewals

shietpilot · 04-01-2016 4:30pm

LawlessBoy wrote: »

Gender: M
Age: 19
Car: 2002 VW Passat 1.9 TDI 130bhp
NCD: 2 Years
Licence: Full
Cover: TPFT

Renewal Quote: Havent gotten it in the post yet insuracne due end of month.

Best Quote: €1900 from kennco through quote devil. They also said when i get my renewal in the post if it beats them they will more then likely be able to beat it, something to do with a student deal they have on.

That's an absolute joke of a quote with 2 years NCB and a full licence! :mad:

I paid €1501.xx in September being 20 with a 1 year NCB and a full licence on the Focus. It better be less next September

LawlessBoy · 04-01-2016 4:34pm

shietpilot wrote: »

That's an absolute joke of a quote with 2 years NCB and a full licence! :mad:

I paid €1501.xx in September being 20 with a 1 year NCB and a full licence on the Focus. It better be less next September

Yeah its up 400 from last year, even with an extra years no claims. Asgard that i am insured with now though are known to be good on their renewals so im hoping for that 1900 to be dropped to around 1500 again when i get my renewal letter.. It is ridiculous though that even with an extra years no claims to my name my insurance has gotten more expensive.

LawlessBoy · 04-01-2016 4:37pm

OSI wrote: »

To be fair, 19, TDI Passat. Akin to walking into a health insurers puffing on a cuban cigar and asking if your McDonald's loyalty card get's you a discount.

In the insurers eyes maybe

Dont want to be driving a diesel passat but needs must.

shietpilot · 04-01-2016 4:38pm

LawlessBoy wrote: »

Yeah its up 400 from last year, even with an extra years no claims. Asgard that i am insured with now though are known to be good on their renewals so im hoping for that 1900 to be dropped to around 1500 again when i get my renewal letter.. It is ridiculous though that even with an extra years no claims to my name my insurance has gotten more expensive.

I was with Asgard before I switched to NoNonsense. Trust me they upped my quote to €2200 on my 1999 Yaris with a full licence and 1 year NCB. I paid €1400 the year before

LawlessBoy · 04-01-2016 4:54pm

shietpilot wrote: »

I was with Asgard before I switched to NoNonsense. Trust me they upped my quote to €2200 on my 1999 Yaris with a full licence and 1 year NCB. I paid €1400 the year before

Havent actually tried them ill give them a go.

shietpilot · 04-01-2016 4:56pm

LawlessBoy wrote: »

Havent actually tried them ill give them a go.

They were by far the cheapest and any broker I asked for a cheaper quote just told me to go with them :pac:

LawlessBoy · 04-01-2016 5:01pm

shietpilot wrote: »

They were by far the cheapest and any broker I asked for a cheaper quote just told me to go with them :pac:

Got all the way through they took all my details till it got to the car. I honestly think they just pull these things out of their @rse. Wont quote on a car over 12 years old. First it was places with 15 years old then 10 now places coming in with 12:mad::mad::mad:

curiosity · 04-01-2016 5:24pm

Age: 42, male, Cork County, office-bound occupation

Licence: full, 20 years

NCB: full (yet to have a claim, hope that continues!)

Car: Focus, 1.4, 2003, doing around 14,000 miles a year (and yes, I'm a bit apprehensive about what I'll be paying if I hold onto the car for another few years)

Points: 3 (none at last renewal)

Insurance: full comp with NCB protection, just myself on the policy

Last year: €390 with Axa through AA (initial quote was €435, they dropped it to €390 when I rang to cancel). I'm AA member.

This year: €612, reduced to €460, again with Axa through AA. As soon as I received my renewal letter, I spent a few hours online, working my way down the list of insurers stickied on the top of the forum (a tedious task). These are the quotes I have in my inbox.

Zurich €460 (phone call)
Allianz €463 (phone call)
Britton €530
Sheridan's €558 (Allianz, 4 other quotes going up to €868)
Chill €600, (Kenn Co, 4 other quotes up to 870. They kept ringing
me until I took their call)
Aviva €605
AIG €647, €575 with the XLNT app
Supervalu/AIG €656, or €584 if I used the XLNT driver app
Liberty €661

I didn't take a note of the other quotes, but €650-800 was the spread I recall. 25plus had a decent quote (€550ish) until I figured out where to enter my penalty points. They put it in with convictions!

AA called me a week prior to renewal. I had decided to cancel. They matched the €460 after a few minutes consulting with a manager. I ended up paying 18% more than last year, but given the 3 points, I'm not grumbling.

evosteo · 07-01-2016 1:30am

insurance company's really do take the piss, was speaking to the missus tonight as she was ringing around getting quotes for her renewal, she said the chap on the phone asked for her occupation,

she said "retail supervisor",

he said "hmmmm sorry it dosnt seem to be on the list",

he then says "retail manager??"

she says "no no no im not a manager"

so he then says lets go with retail assistant as it works out €100 cheaper than a retail manager" :eek:

i dont know how they can justify an extra €100 for somebody because they may earn more money. its like they are squeezing to see how much they can get out of you :mad::mad:

i really do feel that they pull these quotes for cover out of the rear ends :mad::mad::mad:

it would make your blood boil

Cortina_MK_IV · 07-01-2016 4:11pm

Not sure the words logic and car insurance can be used in the same sentence but hey ho I just did. Only thing I can think of is it could be an assumption that the manager drives from outlet to outlet hence more driving as opposed to a static supervisor.

evosteo · 07-01-2016 6:35pm

was talk to my cousin earlier on the phone, she recently got a perfect 2000 toyota as she has been off the road the last 6 months after her last car gave up the ghost, she said she rang every insurance company and broker thats available and not one single company offered her a policy due to the age of the car, ncted to august 2016. :mad:

so basically if you have a car over 15 years old its gonna be impossible to sell as nobody can get cover

surely this cant be true

your car is essentially worthless year 2000 or older :eek::eek:

Jesus. · 07-01-2016 6:38pm

Cortina_MK_IV wrote: »

Not sure the words logic and car insurance can be used in the same sentence but hey ho I just did. Only thing I can think of is it could be an assumption that the manager drives from outlet to outlet hence more driving as opposed to a static supervisor.

But would that not mean she's using it for Company purposes? If its for private use only it shouldn't make a difference

Mister Jingles · 07-01-2016 8:36pm

23

Mondeo 1.8 petrol

3 years ncb

1010 asgard through quote devil

Renewal 930 with asgard but through first Ireland

I must be the only person who's got there's cheaper then before around.

carzony · 08-01-2016 2:11am

Mister Jingles wrote: »

23

Mondeo 1.8 petrol

3 years ncb

1010 asgard through quote devil

Renewal 930 with asgard but through first Ireland

I must be the only person who's got there's cheaper then before around.

In my experience asgard are great for cheap quotes though:D A few years ago I couldnt believe the difference in quotes they offered me. If it wasnt for them i'd of been paying out atleast an extra 500 odd euro a year.

Mister Jingles · 08-01-2016 2:21am

It's actually nothing to do with asgard as such, with chill they quoted me 2k.

Liam McPoyle · 08-01-2016 11:14am

Mister Jingles wrote: »

It's actually nothing to do with asgard as such, with chill they quoted me 2k.

Its down to broker performance.

If a broker is writing a lot of bad business ie policies that end up with claims the underwriter will charge them more.

Likewise if the broker is writing business that is performing well they will be given additional discounts and/or cheaper rates.

boardsuser1 · 08-01-2016 11:37am

My policy is due for renewal in April.changed car yesterday from 1.8 petrol to 1.6 diesel and the policy increased. Can i expect a further loading for my renewal

Liam McPoyle · 09-01-2016 11:46am

I started studying recently to gain a management diploma in insurance. The module for my first exam relates to motor (commercial and private) and the section I'm on now relates to claims. There is some interesting reading I thought i would share some of it to give an insight into the state of the insurance market at the moment.

The stats below relate to 2013. As the number of cars on the roads has increased since then one can reasonably assume that the written premium and claims have increased too.

43% of all non life insurance business written was for motor insurance.

53% of newly notified claims were motor claims.

That 53% equals 235,322 individual motor related claims were notified.

Total written premium was €1,113,000,000.

Net underwriting result was -€253,600,000.

Investment income was €62,000,000.

Overall net operating loss on motor insurance was €192,000,000.

Property insurance performed well with an overall net operating profit of €71,000,000.

Public liability had an overall net operating loss of €1,200,000.

The total figures were gross written premium of approx €2,600,000,000 with a net operating loss of approx €81,000,000. That's across all classes of non life insurance.

Commercial motor performed much better than private but it still had an overall loss of approx €1,000,000.

75% of motor policies written were for private motor so it stands to reason it would perform worse than the commercial motor side.

Finally, here are some over all results for the 5 years to 2013. GWP means gross written premium, NUR means net underwriting result, II means investment income, OR means operating result and PP% means profit premium percentage.

2009 : GWP €3,752m, NUR -€124m, II €317m, OR €193m, PP% 5.14%

2010 : GWP €3,702m, NUR -€103m, II €169m, OR €66m, PP% 1.78%

2011 : GWP €3,554m, NUR €213m, II €404m, OR €191m, PP% 11.37%

2012 : GWP €3,331m, NUR -€87m, II €278m, OR €191m, PP% 5.73%

2013 : GWP €2,574M, NUR -€211m, II €130m, OR -€81m, PP% -3.15%

So you can see from the above, with the exception of 2011, insurers have been making an underwriting loss, that is they are paying out more in claims than they are taking in from premiums. The largest percentage of this loss is coming from motor insurance.

In years past they were buoyed by investment incomes however that's begun to peeter out.

I'd be interested to see the most up to date statistics on it to see where its at.

Anyway, some food for thought and I hope it gives people some insight into just how distressed the motor insurance sector is at the moment.

The source was from Insurance Ireland and the Insurance Institute.

To Elland Back · 09-01-2016 1:25pm

Good points Business Cats, but prepare for the conspiracy theorists

zl1whqvjs75cdy · 09-01-2016 1:27pm

OSI wrote: »

28 Male

2008 Golf GTI 2.0T (200)

€600 with 6 years NCB

Fully Comprehensive with Aviva

This gives me hope. I'm similar but have 140 2012 golf. Renewal in April. Dreading it.

td2008 · 09-01-2016 2:05pm

Looking at 1380 for renewal with axa, from 900 last year.

2003 e46 m3
31, 7 years NCB, 7 years full licence, no points etc

Most online won't quote the M.

NickDunne · 10-01-2016 7:07pm

So I went to change my car with my current insurer 25plus.ie. Policy expires the end of February.

Entered in the focus as a petrol by mistake... €0.00 cost to transfer

Entered it in as a diesel and.... € 55.48 For less than 2 months cover.

How can they get away with charging that based on what fuels the car? Every other detail was the same other than "fuel". They really do make it up as they go along to suit themselves :rolleyes:

JamboMac · 10-01-2016 7:27pm

NickDunne wrote: »

So I went to change my car with my current insurer 25plus.ie. Policy expires the end of February.

Entered in the focus as a petrol by mistake... €0.00 cost to transfer

Entered it in as a diesel and.... € 55.48 For less than 2 months cover.

How can they get away with charging that based on what fuels the car? Every other detail was the same other than "fuel". They really do make it up as they go along to suit themselves :rolleyes:

I think it's just an administration fee to change things, may have been the same if you had 6 months left on the policy.

Jesus. · 10-01-2016 7:36pm

JamboMac wrote: »

I think it's just an administration fee to change things, may have been the same if you had 6 months left on the policy.

Read the post again

boardsuser1 · 10-01-2016 7:40pm

NickDunne wrote: »

So I went to change my car with my current insurer 25plus.ie. Policy expires the end of February.

Entered in the focus as a petrol by mistake... €0.00 cost to transfer

Entered it in as a diesel and.... € 55.48 For less than 2 months cover.

How can they get away with charging that based on what fuels the car? Every other detail was the same other than "fuel". They really do make it up as they go along to suit themselves :rolleyes:

I changed from petrol to diesel this week and was charged 56 euro for the privilege.renewal time will be interesting.saving a bundle on diesel though

Indestructable · 10-01-2016 7:47pm

evosteo wrote: »

was talk to my cousin earlier on the phone, she recently got a perfect 2000 toyota as she has been off the road the last 6 months after her last car gave up the ghost, she said she rang every insurance company and broker thats available and not one single company offered her a policy due to the age of the car, ncted to august 2016. :mad:

so basically if you have a car over 15 years old its gonna be impossible to sell as nobody can get cover

surely this cant be true

your car is essentially worthless year 2000 or older :eek::eek:

It's most definitely not true, my brother has a 00 Polo he just got insured this week for 800 odd eur with AXA.
I think 3 insurers currently don't cover cars over 15 years.

It may have more to do with the fact she has been off the road for 6 months.

flyingsnail · 11-01-2016 4:11pm

28yo, license 8 years, 7 years NCB driving 2003 1.8 Mondeo

Last year €645 this year €860 with Allianz (fully comp)
Renewal came in at 1062 but got it down a nice bit

I could not get quotes from FBD, no nonsense, post insurance or Zurich

Some other quotes
Axa 1239.35
AA 912.72
123.ie 1370
Liberty 2162.01
First Ireland 1279.66
Aviva 954.10

jon1981 · 11-01-2016 4:24pm

Ford focus 1.8d 2008
9+ years NCB
11+ yrs full license
34 yrs of age
car sits in the drive mon-fri ( I cycle to work)
0 penalty points

2015 - 490 euro Chill insurance
2016 - 650 euro Chill insurance

other prices for 2016
Liberty - 560
Allianz - 570
123.ie - 730
AIG - 766

cson · 11-01-2016 4:33pm

Jesus those quotes are mental lads.

Was it just a record low for insurance the last few years and we're now seeing that correction or what's going on?

jon1981 · 11-01-2016 4:35pm

cson wrote: »

Jesus those quotes are mental lads.

Was it just a record low for insurance the last few years and we're now seeing that correction or what's going on?

Take your pick of excuses, they seem to be all in play... :mad:

jon1981 · 11-01-2016 4:43pm

AIG advertising insurance from 310 euro... about as real as a unicorn.

Liam McPoyle · 11-01-2016 4:46pm

cson wrote: »

Jesus those quotes are mental lads.

Was it just a record low for insurance the last few years and we're now seeing that correction or what's going on?

Motor insurance has been way under priced for the last 4 to 5 years.

Even today its still somewhere in the region of 20% cheaper than it was in the early noughties.

boombang · 11-01-2016 9:14pm

Gender: M

Age: 35

Car: 07 Fiat Panda 1.2 (60bhp)

NCD: None

Licence: Full 6 years, no points

Cover: 3rd Party

Best quote: €1,760 - Liberty

Have my licence years, but my only period of ownership was one year of classic car ownership in the Netherlands a few years ago. Previously insured on friend's policy, but that's also a long time ago. So no useful insurance history in Ireland. Guess this is why I'm being crucified. I don't own the Fiat yet, just thought it be a sensible place to start insurance-wise.

Any suggestions?

Berserker · 11-01-2016 9:23pm

I'm lucky by the looks of the quotes above. Zurich quoted me the same as last year, €550, fully comp. Five years ncb, 2013 reg and no penalty points. Had a quick look at 123, Chill, Liberty and they are all more expensive.

td2008 · 12-01-2016 11:50am

td2008 wrote: »

Looking at 1380 for renewal with axa, from 900 last year.

2003 e46 m3
31, 7 years NCB, 7 years full licence, no points etc

Most online won't quote the M.

Few more quotes:

Got axa down to €1200
Aviva - €1915.12
Arachas Insurance - 2.7k (axa)
AA - €1487
Aviva - €1915.12
First Ireland - €2100
Britton - €1785.73
Chill.ie - octane - zenith €1157.04
Kennco - €1125

Zurich Insurance - no quote
Liberty - No quote
FBD - No quote
Allianz - no quote
Nononsense.ie - no quote
123.ie - no quote

Campion (web) - €2k+
Campion (call back) - €706 :O - very good policy aswell and 200 cheaper than last year

smash · 12-01-2016 12:38pm

td2008 wrote: »

Few more quotes:

Got axa down to €1200
Aviva - €1915.12
Arachas Insurance - 2.7k (axa)
AA - €1487
Aviva - €1915.12
First Ireland - €2100
Britton - €1785.73
Chill.ie - octane - zenith €1157.04
Kennco - €1125

Zurich Insurance - no quote
Liberty - No quote
FBD - No quote
Allianz - no quote
Nononsense.ie - no quote
123.ie - no quote

Campion (web) - €2k+
Campion (call back) - €706 :O - very good policy aswell and 200 cheaper than last year

Try 25plus.ie

td2008 · 12-01-2016 1:25pm

Went with campion there and then - can't imagine getting cheaper than 700 on an m3

Johnny_Fontane · 12-01-2016 4:56pm

Payed €292 last year, 38, 6 years no claims, 10 years full license, 2011 Passat Estate 2.0. With 123

This year? €494.53

Jaysus. Just a 69% increase. 69 focking percent!!!

update:
checked a few others - AIB €966, Zurich €834, AA, €831

What the hell is going on here?

To Elland Back · 12-01-2016 6:48pm

Johnny_Fontane wrote: »

Payed €292 last year, 38, 6 years no claims, 10 years full license, 2011 Passat Estate 2.0. With 123

This year? €494.53

In fairness, €292 was never a sustainable premium for any circumstances

boardsuser1 · 12-01-2016 7:05pm

To Elland Back wrote: »

In fairness, €292 was never a sustainable premium for any circumstances

What would be though. things are getting so back i'm debating jacking in having my own car.:mad:

Liam McPoyle · 12-01-2016 7:12pm

If every average risk had been paying €500 a year for the last few years we wouldn't be in the mess we are in.

Your renewal premium is about right to be honest.

People have been paying way under the odds for a few years so the balance is being redressed.

To Elland Back · 12-01-2016 7:20pm

KC161 wrote: »

What would be though. things are getting so back i'm debating jacking in having my own car.:mad:

Well, 1 windscreen, lost key or breakdown call out would eat in to that, which doesn't leave much to chip in to the pot that needs to cover injury claims

boardsuser1 · 12-01-2016 7:24pm

To Elland Back wrote: »

Well, 1 windscreen, lost key or breakdown call out would eat in to that, which doesn't leave much to chip in to the pot that needs to cover injury claims

I've had 4 breakdown call outs in the last 10 months,3 of those were for a Renault (say no more) the most recent one was recovery from another county and would have cost 200 were I to pay for it,so I see your point

barry181091 · 13-01-2016 10:57am

Gender: M

Age: 24

Car: 01 Fiat Punto 1.2 (70bhp....if even...)

NCD: 0

Licence: Provisional, 2 years.

Cover: Third Party.

Best quote: €3000 - Cover in a click.

Best quote if I had full: 2500.

How can anyone afford this!? If you add on 300 tax + 3000 fuel and bits its at 6500, which is a massive chunk of salary.

Guess I won't ever drive so!

Daniel S · 13-01-2016 11:02am

barry181091 wrote: »

Gender: M

Age: 24

Car: 01 Fiat Punto 1.2 (70bhp....if even...)

NCD: 0

Licence: Provisional, 2 years.

Cover: Third Party.

Best quote: €3000 - Cover in a click.

Best quote if I had full: 2500.

How can anyone afford this!? If you add on 300 tax + 3000 fuel and bits its at 6500, which is a massive chunk of salary.

Guess I won't ever drive so!

You won't get insured on a car that old I'd say. Might have to sell it and move up a few years. You may even save money doing this.

Get your full license on your driving instructors insurance, don't get your own on a provisional.

You should then be able to get quotes under €1500. I know insurance was cheaper last year, but I got insured on a 2006 1.6 Focus, no NCD and just passed the test for €1200 and could have got it for €900 TPFT. This year TPFT was under €1000.

sporina · 13-01-2016 11:38am

question - looking for new car insurer - is it better to use a broker or contact the companies directly?

Daniel S · 13-01-2016 11:40am

sporina wrote: »

question - looking for new car insurer - is it better to use a broker or contact the companies directly?

Both. You need to ring everyone, really.

thecamcam · 13-01-2016 11:19pm

570 last year allianz

they wanted 620 this year

got it for 468 with AA but no breakdown assist ( new car is covered by maker )

age 50 , license 3 years ( late starter

no points

5 years NCB with wife as named driver on my car

( 1.2 petrol 152 skoda )

i was qouted 625 to 1100 from the rest , fbd didnt want to know - ( f*ck them ) nor did axa or an post .

JohnR1968 · 14-01-2016 1:13pm

€249 last year with 123.ie

This year quoted €397.50 - 60% increase

Have filled in umpteen on-line forms and have quote down to €314 with AA.

Details: F 46 yrs old, 2013 VW Up, Full NCB and Fully comp.

sporina · 14-01-2016 4:59pm

Ok here is what I have so far... gosh tiring work this.. grr..

Anyway:

Female (30's): Toyota Yaris 01 1.0 Ltr, NCD 10 yrs, etc..

No Nonsense - 3rd party with breakdown assist - lat yr - €216 - this year €471

AA - 3rd party - €447

AXA - 3rd party - €655

Chill - 3rd party - €514

KennCo - 3rd party - €440

25plus - compre - €351; comp xtra - €381...

No quote online = Aviva, AIG,

So I am thinking of going with 25plus comp xtra - any thoughts..

I know I could contact more... any thoughts? Anyone else I should look to for a quote?

Car insurance - tell us your quotes/renewals

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