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13K views 102 replies 33 participants last post by  David P 
#1 ·
Just received my insurance renewal today, for alfa gtv 1997.full comp with full no claims bonus 587€:censored:OR 470€third party f and t.. up 30% on last year:furious::furious::furious::furious::furious:+ road Tax @ 720€ per year
 
#4 ·
My comprehensive renewal back in April had gone up €100+ IIRC, in the end I got the best quote for a policy I was happy with from the AA & I also took out breakdown cover with them. One of the pros of the AA is that your are insured to drive any privately owned car without the needed to do a temp transfer on your insurance, beware that temp transfers to garage cars etc cost though.
You also can sign up for a fuel card that gets you 2c per litre off at Topaz.
 
#11 · (Edited)
Yep, I changed car from a little Puma to a 2.4 159 mid way through policy, it put €50 on a €440 comprehensive policy with additional driver, all the trimmings.
Renewal and 5 other quotes were all €800+. A year older, another year NCD. They're having a laugh.
edit: I went with AIG in the end, fully comp, added the wife, parked on the drive, breakdown assistance (a bargain at €17), windscreen cover. €807 all in including monthly interest (10%).
 
#16 ·
Does anyone here have "drive other's cars" on their policy? I only found out about it recently but once you have it you are covered third party on any other car that isn't owned or registered by you. It doesn't even need to be insured on someone elses policy, just NCT'd and taxed. I'd imagine that would come in handy for anyone who has a second car or a car that is difficult to insure. Put it in your partner or family members name and drive away without worry. Most old Alfas arent worth insuring comprehensively anyway so there is a good incentive to do it this way. It's the only option I would have for legally driving a second car now, since its becoming almost impossible to insure cars over 15 years old.

My policy on my 159 is going up to €650 fully comp with step back protection. But my quote of €430 from last year was on a 2001 S40 on third party cover. So I guess its not too bad of an increase.
 
#18 ·
Does anyone here have "drive other's cars" on their policy? I only found out about it recently but once you have it you are covered third party on any other car that isn't owned or registered by you. It doesn't even need to be insured on someone elses policy, just NCT'd and taxed. I'd imagine that would come in handy for anyone who has a second car or a car that is difficult to insure. Put it in your partner or family members name and drive away without worry. Most old Alfas arent worth insuring comprehensively anyway so there is a good incentive to do it this way. It's the only option I would have for legally driving a second car now, since its becoming almost impossible to insure cars over 15 years old.
I believe that if the insurance company can prove that you are the main user of the car then your insurance in it is void.
 
#22 ·
Further proof Irish insurers pull their figures out of some ass: I got an 835 Euro renewal from AA, up from the 545 I paid last year (one year more NCB...yet, nearly 300 Euro). I ran a few quotes online and the lowest I found was 807 with Allianz.

Anyway, as the expiration date approached (Oct. 31), I got a text from AA about "we can offer a discount". I the end, I managed to renew for 700. Which is still outrageous as I know younger people driving similar cars paying half of that - guy at work with a BMW 320d paid 400, and he's 25...

There's a (rare) interesting thread on boards.ie forum motors about insurance renewals - going back some pages, there are two guys from Dublin, same area, similar cars (both 1.6), where the one who is older and holding a longer NCB pays about 200 Euro more than the younger fella.
 
#23 · (Edited)
Further proof Irish insurers pull their figures out of some ass: I got an 835 Euro renewal from AA, up from the 545 I paid last year (one year more NCB...yet, nearly 300 Euro). I ran a few quotes online and the lowest I found was 807 with Allianz
I'm not surprised my previous insurance was 680 on a civic '99 1.5 Tullow Co Carlow Full Irish Licence full NCB added driver and driving other cars + fully comp i was with allianz never again... when it was time to renew...guess what:) 880...without driving other cars and second driver...cause with them two options would be 980... and when you call them and ask why??? the answer is the same thing "oh its because of scams and frauds"
...something gives a bad smell each time i call insurance companies...bull..:censored:
All in all I ended up going to local broker and got an unknown to me insurer with same options as I had with allianz for the price of 750..its still high
 
#24 ·
Update: I signed up to the €807 quote above from AIG, but 10 days in they 'realised' that on their form I'd selected 'Drimnagh, Co Dublin', but that I was actually living in 'Drimnagh, Dublin 12' and that I owed them another €89. I told them to stick it up their holes, and in the interim, my 25plus renewal, ironically, also an AIG policy, with Full Comp, Driving other cars, wife as Named driver, windscreen cover, full NCD protection had dropped to €564! I put all the detail in again from scratch to be sure I hadn't accidentally selected that I was female or something, but it stuck, and like the poster above, I took their arm right off for it. It think it was €104 deposit, and 9x €56 (about 10% interest). They don't seem to have spotted the mistake, so here's hoping its a reward for another year of claim-free motoring.
 
#28 ·
I'm insured by its4women.ie. I'm not female, but I am smart enough to not be hoodwinked by "cherry-picking" advertising.

(same company as 25plus, but the rate I got was better)

I was just talking about this with my boss, who didn't realise that insurance companies are no longer allowed to base premiums on the sex of the insured driver.

(Like that health insurance company whose ads only show young runners in them... they want to make their product only appeal to young, single people who keep fit, but legally they must offer everyone the same rates)
 
#29 ·
Ok guys, I'm starting to panic here a bit.
My main car is the 159 and I have the 98 TS Spider for the weekends. I had the Spider insured with Top Quote direct on a limited mileage policy. But their going out of business so I have to find somebody new. And I'm getting stupid quotes, Chill want €1700 and Campion want €2700.
So does anybody know of a crowd that offer limited mileage insurance on cars less than 20 years old. If I can't insure her at a reasonable rate I have to get rid of her and I don't want that.
 
#40 ·
I'm also currently insurance shopping at the moment & it looks like I'll be renewing with the AA (Aviva policy), BTW their breakdown has increased from €84 to €96 per year which needs to be factored in as their insurance policies don't include breakdown cover ;)

I've got about 20 quotes now & the next best quotes I've got are from Post Insurance (previously One Direct) & Aviva, slightly different policies though.
The AA policy gives comprehensive driving of other cars (with exceptions), but the AA charge €25 for temporary transfers. The AA Full No Claims Protection option only gives 1 unlimited claim in 3 years, the others give 2 in 3 years.
 
#43 ·
You should look into the ADAC (german equivalent of the AA).
For 88 euro a year, they'll cover you around all of europe. Even in Ireland, there cover is far better than the AA and if you break down, they'll send the AA to you
They insure the driver for any breakdown and not the car which is quite decent as well
 
#41 ·
Very interesting David. Comprehensive cover driving other cars is unusual.
Mine's up mid June and I just got my first ever penalty points.:crying:
 
#42 ·
Well it looks like my insurance saga is finally over.
After spending a few hours on Friday ringing around every and all insurance companies and brokers I finally got a quote I could live with, just. This was a fully comp quote from the AA of €1026. Not at all great and a big jump over last years premium.
Then the real fun started. I contacted my current broker looking for my no claims certificate who informed me that due to the nature of my policy with them (limited mileage) that I wasn't getting a no claims certificate. So now I thought that was it, there's no way I can insure the car, and was contemplating either selling it or putting it into storage somewhere. Neither option were attractive to me.
I was fortunate that my nearest and dearest had always put me down as a named driver on her policy and that was my salvation. After hunting around online on Sunday evening I got a fully comp quote for €850 from First Ireland, ironically the AA couldn't provide me with a quote. I've always used First Ireland and found them great but for some reason when I got the Spider they were very expensive and even last year on my renewal of the 159 policy they were dear.
The whole experienced wasn't nice and has left me with a even nastier taste in my mouth when I think of the car insurance industry. The one saving grace were the people on the phone, always nice, chatting and helpful.

And I can now attend the Ti Autos track day, nice one.
 
#45 ·
Correct (on the cover I have anyway), I've taken out my insurance with the AA & I'll be staying with the AA breakdown as you need to be a member of that to get the comprehensive driving of other cars on the AA insurance, it also gets you a discount on the AA insurance policy & a fuel card.

Sounds like ADAC might be a good option for anyone doing a euro road trip though.
 
#50 ·
Judging by the organisers, there's a very high chance that this will end up doing nothing except showing the general public that young male drivers are irresponsible louts who earn every cent of the high premiums they have to pay. :(

Anyway... I got my most recent insurance through its4women.ie . It's actually "4 everyone", and they will both quote and insure male drivers for the same price (as they have to by law). Because they can't load the policies, instead they've used the time-honoured insurance technique of narrowly advertising their product at a low-claims demographic (women aged 30 upwards).

All insurance companies do it: Glo Health's ads look like they've for Nike; they're hoping that if you're not into sports you'll have mentally switched off before it gets to the bit where they say "we sell health insurance".
 
#51 ·
Reviving this as I just got my renewal "Invite" from the AA: 957.80 Euro; 257.80 dearer than last year, one more NCB year and of course, the 159 has now turned the magic "10 years old" and is obviously going to fall apart and become a death trap, regardless of the 900 Euro I just spent on new shocks and coils on all four corners to pass the NCT which, techinically, says exactly that the car won't fall apart (besides, drives great on the new shocks :D)...great stuff.
 
#53 ·
Insurance is expensive because the industry is badly regulated and managed, and everyone is still paying the cost for a failed insurance company a few years ago. We also seem to be going in the American direction of suing willy-nilly for damages after accidents which adds to premiums.

Road tax isn't too bad providing you have a car registered after 2008 which produces little CO2. It quickly gets very expensive for more polluting cars and for older cars with larger engines. That's why our roads are predominantly populated with boring small diesel s***boxes. The more interesting older cars got exported to the UK when the regime was introduced. Vintage cars over 30 years old pay minimal road tax so if you want a big V8 then it makes sense to have an old one.

New (and imported) cars are subject to VRT (Vehicle Registration Tax) on top of VAT. This too depends on CO2 emissions and can be up to 36% of the car's value. This inflates new and used prices.

Fuel duty, and hence price, is slightly lower than in the UK.

Our system certainly discourages more appealing car ownership.
 
#57 ·
Just insured my GTV 1997, classic insurance with Auto Line UK,NI, 270 euros fully comp 3000 miles limit.[emoji106] Discounted if a member of a car club..
I pay £180 fully comp 6000 miles for my 97 Twinspark. Is insurance more expensive in Ireland usually?

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