FabSwingers.com forum: Car insurance company

By (user no longer on site) OP
over a year ago

Went from 1 tousand to 1850 wtf is going on we geting ripped off in Ireland

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By *rutus83Man
over a year ago

naas

"Went from 1 tousand to 1850 wtf is going on we geting ripped off in Ireland

I have bein told it's all because an insurance company went outta business so all the others have to pay more so we have to pay more not sure if that's right. I'd like to know if it is thou

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By (user no longer on site) OP
over a year ago

I heard is because lots accidents been happening I'm having a heart attack

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By *tsUS1990Couple
over a year ago

Dublin

Ah, stop. I'm in the process now and it's just ridiculous.

Last year fully comp €360.

This year fully comp €1050 (highest quote)...

Seriously!?

9+ years no claims, full license, no points.

Its because my car is older. Apparently being a good driver, who has taken care of my vehicle and never needed to replace it, and never made a claim means I'm priced out of the market.

Its 4 Women are the best. Coming in at €480.

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By *rutus83Man
over a year ago

naas

"I heard is because lots accidents been happening I'm having a heart attack "

That's sounds better than what I said

I know it's 50% added to you insurance cost thou and it's shocking

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By (user no longer on site) OP
over a year ago

I understand going up 100 or 200 more not almost double the price they having a laught

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By (user no longer on site)
over a year ago

Last year 190bhp 2.0 turbo cost of 390

Smaller slower crap car this year and it's 680

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By (user no longer on site) OP
over a year ago

There should be a protest like water charges. But I have to say there is mad crazy drivers specialy on the motorway

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By *rutus83Man
over a year ago

naas

"I understand going up 100 or 200 more not almost double the price they having a laught "

Some people I know they're insurance went up 50%

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By (user no longer on site)
over a year ago

"There should be a protest like water charges. But I have to say there is mad crazy drivers specialy on the motorway "

Let's protest ,naked

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By *ub_leitrim_guyMan
over a year ago

Out in the sticks

Jeez...mine's gone down from €650 to €505 fully comp, with w/screen cover, Breakdown Assistance incl from anywhere in Europe and can drive any other car once I don't own or lease it.

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By (user no longer on site) OP
over a year ago

"Jeez...mine's gone down from €650 to €505 fully comp, with w/screen cover, Breakdown Assistance incl from anywhere in Europe and can drive any other car once I don't own or lease it."
u must be the only person in ire who got away with must be that sexy bum of yours

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By *rutus83Man
over a year ago

naas

"Jeez...mine's gone down from €650 to €505 fully comp, with w/screen cover, Breakdown Assistance incl from anywhere in Europe and can drive any other car once I don't own or lease it."

Your the first person I heard that the cost has dropped for and I have to say fair play

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By (user no longer on site) OP
over a year ago

"There should be a protest like water charges. But I have to say there is mad crazy drivers specialy on the motorway

Let's protest ,naked

"
I agree u start

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By *illbillMan
over a year ago

dublin

Ive no points full no claims and cant get insurance this year cause of my occupation....my insurance is up next month....im in trouble

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By (user no longer on site)
over a year ago

It's the new equalisation thing. It was supposed to lower men's but because it's not regulated properly everyone got screwed over. I know a 19 yr old who pays over €5000 to drive a 02 Clio. It's crazy. Mine is €500 a year and I've 6 points. They tried to quote me €1200 in November but I just went elsewhere.

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By (user no longer on site) OP
over a year ago

I'm trying shoping around is getting higher and higher cheapest so far is 1500

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By *ub_leitrim_guyMan
over a year ago

Out in the sticks

"Jeez...mine's gone down from €650 to €505 fully comp, with w/screen cover, Breakdown Assistance incl from anywhere in Europe and can drive any other car once I don't own or lease it.

Your the first person I heard that the cost has dropped for and I have to say fair play"

It just arrived this morning... See they have me under Deluxe Comp which includes Car Sharing and a pile of stuff I don't need and won't use like incorrectly fitted child seats etc... so will see what it will be without all these.

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By (user no longer on site)
over a year ago

Liberty insurance has been the cheapest this year for me. It's supposed to increase again in the coming month so I'd get shopping around fast B.

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By (user no longer on site)
over a year ago

"Liberty insurance has been the cheapest this year for me. It's supposed to increase again in the coming month so I'd get shopping around fast B. "

Yep same here, it was half the price of I use their safe driving app

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By (user no longer on site) OP
over a year ago

"Liberty insurance has been the cheapest this year for me. It's supposed to increase again in the coming month so I'd get shopping around fast B. "
I'm babe's still trying fingers crossed

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By (user no longer on site)
over a year ago

"Liberty insurance has been the cheapest this year for me. It's supposed to increase again in the coming month so I'd get shopping around fast B. I'm babe's still trying fingers crossed "

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By *ub_leitrim_guyMan
over a year ago

Out in the sticks

"Jeez...mine's gone down from €650 to €505 fully comp, with w/screen cover, Breakdown Assistance incl from anywhere in Europe and can drive any other car once I don't own or lease it. u must be the only person in ire who got away with must be that sexy bum of yours "

Cheeky!!

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By *j47Man
over a year ago

limerick

Ours went up front 580 to 1160 fully comp, open driving,glass breakage 33yrs no claims it's a joke

Apparently some Cypriot based insurance company that was operating in the Irish market went bust that has to be covered by Irish insurance bonds and the increase in claims plus the high pay outs awarded here

Irish whiplash claims average 15k

English and comparable countries whiplash average from 3k to 7k

Time that the awarding of claims and the insurance company's fighting claims get their shoe out

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By *ub_leitrim_guyMan
over a year ago

Out in the sticks

"Ours went up front 580 to 1160 fully comp, open driving,glass breakage 33yrs no claims it's a joke

Irish whiplash claims average 15k

English and comparable countries whiplash average from 3k to 7k

Time that the awarding of claims and the insurance company's fighting claims get their shoe out "

Wasn't that Setanta out of Malta?

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By *j47Man
over a year ago

limerick

"Ours went up front 580 to 1160 fully comp, open driving,glass breakage 33yrs no claims it's a joke

Irish whiplash claims average 15k

English and comparable countries whiplash average from 3k to 7k

Time that the awarding of claims and the insurance company's fighting claims get their shoe out

Wasn't that Setanta out of Malta?"

Possibly sub not fully sure of the company name

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By *irdnBorisMan
over a year ago

meath

Mine up 450 was 500 last year 350 year before now 950 eddie hobbs had dis country down to a t rip off ireland

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By (user no longer on site)
over a year ago

Got mine today quote 609 got it down to 460 so not so bad

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By *ohnbi01Man
over a year ago

tipperary

Paid €395 full comp last year.

Quote this year was over €600.

Got a few more quotes online before I rang them.

Would not tell the on the phone what my online quotes were. Just told them it was up to them to give me thier best price if they wanted my business. They dropped to €445 over the phone.

Always worth phoning them for the bottom line.

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By (user no longer on site)
over a year ago

I used just4women - cheaper than my previous insurer last year!

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By (user no longer on site)
over a year ago

Word of advice Avoid it 4 women like the plague. They are great take your money tell you they will be there if anything happens. 4 yrs ago a fellow ran a red light and wrote off my car. They loaded my insurance and my no claims bonus was gone waiting on the insurance ombudsman office to try and sort them

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By (user no longer on site) OP
over a year ago

It's 4 women wanted 2500e so staying well away I think it all depends what car you drive how many claims etc,just think is so unfair what they doing

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By *enny2014Man
over a year ago

Galway

As far as I know everyones has gone up to help pay back Wat quinn did and also all the scams that's happened,ie me n I go for a drive il jam on the breaks and u hit me frm be hind, il claim frm u n we go half's on the money.

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By *p4itduoCouple
over a year ago

santry

This is a four year process were in for ,this is year two of it, mine went up from 400 fully comp 2 litre honda last to 580 this year, im dreading what it will be this october ,be prepared

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By (user no longer on site)
over a year ago

"Ive no points full no claims and cant get insurance this year cause of my occupation....my insurance is up next month....im in trouble"

What do you do

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By (user no longer on site)
over a year ago

My first quote from my insurance company this year? 1,190.

went online to 123. Got a quote of 560.

went back to my own insurance company. They had NO PROBLEM matching the 560.

Now I ask ya. Its if high claims, a dodgy maltese insurance company, shitty drivers or any other number of excuses, how can they "scientifically " quote me 1190 to then halve it when I get a cheaper quote?

One other statistic. Axa made €190 million profit last year from irish car insurance. Funny they don't quote that statistic when you challenge them.

If you cant get alternative quotes your fucked. If you just take the quote they send you without shopping around, your a fool easily separated from your money

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By (user no longer on site) OP
over a year ago

I got one for 1250 ye ye that's that's a 600 e save

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By (user no longer on site)
over a year ago

Btw be careful with the insurance you get based on the Setanta experience.

I had a car insured with Setanta Ireland Insurance. Turned out they were Maltese and when they shut up shop I had to pay for a second insurance policy because I had lost my money with Setanta.

Its worse for the people who had accidents with Setanta cover. The Insurance industry wanted those people, who had bought insurance in good faith and paid good money for it, to have to pay out the claims themselves because the company had failed. I know several people who were shitting bricks worrying they would lose their house.

Eventually the Courts decided that the other insurance companies had to pay out these claims like they do for uninsured drivers. So ya the industry wanted to shaft everyone and now are trying to make more profit claiming any excuse they can.

Be careful so if you are getting a good quote. If its a company that you never heard of, see if you can get cover from a reputable company instead.

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By (user no longer on site)
over a year ago

"Jeez...mine's gone down from €650 to €505 fully comp, with w/screen cover, Breakdown Assistance incl from anywhere in Europe and can drive any other car once I don't own or lease it. u must be the only person in ire who got away with must be that sexy bum of yours "

Show them your bum bsexy and you will get free cover x

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By *ub_leitrim_guyMan
over a year ago

Out in the sticks

"Jeez...mine's gone down from €650 to €505 fully comp, with w/screen cover, Breakdown Assistance incl from anywhere in Europe and can drive any other car once I don't own or lease it. u must be the only person in ire who got away with must be that sexy bum of yours

Show them your bum bsexy and you will get free cover x

Oh No!!.... they will charge me more for carrying "valuables"!!!

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By (user no longer on site)
over a year ago

People shop around there is always companies that will give it cheaper same thing happen to me price double for no apparent reason so i switch got a cheaper quote than before so it pays to change insurer and shop around

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By (user no longer on site)
over a year ago

It's a rip off. We are paying for every one else that makes claimed. You have to shop around.

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By (user no longer on site)
over a year ago

"I got one for 1250 ye ye that's that's a 600 e save "

Great stuff babes

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By (user no longer on site)
over a year ago

In ireland we have the a culture of content so we will stay with same bank, insurer, phone, electricity, gas, broadband company, etc! Even if they rip us off we like to be loyal and i think those times are over!

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By (user no longer on site)
over a year ago

"It's 4 women wanted 2500e so staying well away I think it all depends what car you drive how many claims etc,just think is so unfair what they doing "
yes stay away from its4women Uk register company that is unclear who is liable for anything, one of my friends asked for a refund for deposit when they couldnt provide her with one because she was not 3 years in ireland(Spanish girl)

Wrote both umbudsman irish and uk both could find which company was responsible for their mistake to provide and quote and no be able to insure her but happily and shamelessly take her money! Got her money back as she paid online by card so put a claim to bank to revert charge as service was not provided, then they had the balls to send her a letter to say she owed them for the hours she was insured... Advice her to light the fire with it

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By (user no longer on site)
over a year ago

"Went from 1 tousand to 1850 wtf is going on we geting ripped off in Ireland

I have bein told it's all because an insurance company went outta business so all the others have to pay more so we have to pay more not sure if that's right. I'd like to know if it is thou

I was told this too by my insurer this week - mine is up 50% on last year

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By (user no longer on site)
over a year ago

I shop around for bike and car insurance and got a class quote for both this year €500. Well chuffed

The company is called Munster Insurance If yous would like to know

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By *irty MurtyMan
over a year ago

my place

I'm stuck with the one insurance company because no one else will quote my car, last year went from 405 to €670 fully comp, dreading this years.

On plus side have my 2 classics insured with AXA for €196

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By (user no longer on site)
over a year ago

yeah mine has gone up also even with full no claims and all the rest :/

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By (user no longer on site)
over a year ago

"In ireland we have the a culture of content so we will stay with same bank, insurer, phone, electricity, gas, broadband company, etc! Even if they rip us off we like to be loyal and i think those times are over! "

i actually did shop around but they were all more expensive than staying with the same company for another year!

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By *iteowlnowCouple
over a year ago

Dublin

Try quote devil it saved the wife a small fortune on her policy and I will be checking with them when my renewal comes around

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By *imerick couple 30Couple
over a year ago

My town

It for women biggest shower of cunts ever

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By *ave181Man
over a year ago

Near Navan

25plus was about 20% cheaper then Liberty for me

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By (user no longer on site)
over a year ago

I'm with an post and have had no probs 1.8 petrol fully comp 480 for year and hubby on my policy and I have open drive

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By (user no longer on site)
over a year ago

"I'm with an post and have had no probs 1.8 petrol fully comp 480 for year and hubby on my policy and I have open drive "
Thats who i got mine wit yest

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By (user no longer on site)
over a year ago

A bit of a cozy cartel going on. Everybody upped the price more than the increase in claims would put it at.

Captive customer on this little island. It's the same with lots of products.

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By (user no longer on site)
over a year ago

House insurance went up a little

Jeep insurance went down

Car insurance up

Car van went down

Tractor up

Professional indemnity insurance down

Office insurance down

Show ins. Same

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By (user no longer on site)
over a year ago

Go to AA insurance they are very cheap

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By (user no longer on site)
over a year ago

I renewed a couple of days ago through RSA who have me with 123.ie €480 last year and €483 this year on a 130bhp passant. Full clean licence etc. AA and all others were €1000 plus. Try a couple of brokers as they will find companies you might not think of

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By *ean0001Man
over a year ago

Dublin West

Give a broker a shout. I saved over a grand on one of the vans cause they we with a different company. And the cover increased and they now have roadside assistance.

Defo worth shopping around.

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By *andyrackkyMan
over a year ago

South

Last year : BMW 320d 2.0l 08 fully comp €580

This year : Mazda 6 2.0l 2011 fully comp €880

With 11 years full licence and no claims

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By *andyrackkyMan
over a year ago

South

Also Aaran insurance in Harold's cross seem to be very good this year if you are still looking!

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By *ease_EMan
over a year ago

DDD12

"Give a broker a shout. I saved over a grand on one of the vans cause they we with a different company. And the cover increased and they now have roadside assistance.

Defo worth shopping around."

Broker is always good, or ask them to increase the Excess on your policy. This is the amount you pay IF you make a claim.

If you increase the Excess, it Reduces their risk, so price will be lower, and will only effect you, if a claim is made.

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By (user no longer on site)
over a year ago

Mine was €1950 for a 1.2 opal. It's my first time driving and was on a professional. Now I have passed my full test wishing 7 days of getting insured they told me they were going to give me money back once I passed my test. I'm still waiting!!!!

Insurance is crazy money!

Mr A got a quote for higher this year also.

MissusS

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By *ilderMan
over a year ago

dublin

"Mine was €1950 for a 1.2 opal. It's my first time driving and was on a professional. Now I have passed my full test wishing 7 days of getting insured they told me they were going to give me money back once I passed my test. I'm still waiting!!!!

Insurance is crazy money!

Mr A got a quote for higher this year also.

MissusS

Congratulations on passing your test madam!

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By (user no longer on site)
over a year ago

Extract from irish times article today

Examining the evidence of awards from the courts, the document says “motor insurers are now imposing higher premium rates to return themselves to profitability or to boost profitability after a number of years of insurers competing for market share, with prices driven down”.

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By *usky Couple01Couple
over a year ago

Aberdeenshire

Ben got a quote from liberty insurance few weeks ago of €4000 for a 1.6 Ford focus wtf like

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By (user no longer on site)
over a year ago

Hi everyone.. It depend what year is u car, how long u have driving in this country or if is your first time. But anyway for me it so expensive. I have a car 06 chevrolet, is my first time driving in Ireland. Im paying per month 236.

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By *usky Couple01Couple
over a year ago

Aberdeenshire

"Hi everyone.. It depend what year is u car, how long u have driving in this country or if is your first time. But anyway for me it so expensive. I have a car 06 chevrolet, is my first time driving in Ireland. Im paying per month 236.

Wow that's crazy

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By (user no longer on site)
over a year ago

As far as I know its an attempt by the insurance companies to correct problems.

1) we all have to bail out a failed insurance company when we shouldnt have to.

2) They are trying to equalise what men and women pay.

3) There have been a growing amount of crashes that are costing more.

The insurance companies need to build up war chests. This is when they basically rape people and put all the money into bank accounts. This HAS to be done in case a big insruance companies fails that could in return bankrupt them trying to bail out all the customers. So bailing out the failed company is only half the burden, saving up to bail out future failures is also a burden.

Because we HAVE to be insured it should be more tightly regulated. They shouldnt let claims spiral out of control.

I hear that the higher amount of taxis is causing a problem too. Every time someone crashes into one the car gets taken off the road to be fixed, they have to pay loss of earnings, they have to pay for passangers. This affects everyone, because its other road users crashing into taxis so its their insurance claims going up too.

Anyway, dont expect it to go back down for a few years.

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By (user no longer on site)
over a year ago

"
...holy fuck man, what did you hit?

.....

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By *.D.I.D.A.S.1981Man
over a year ago

drogheda

"Went from 1 tousand to 1850 wtf is going on we geting ripped off in Ireland

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By *itrocoolMan
over a year ago

Cavan/Dublin

That's not bad mine just went from €698 to €1675 I don't know who makes up these numbers

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By (user no longer on site)
over a year ago

These are excuses used by insurance companies to justify high premia to boost profits. It's proven by the injuries board claims are steady. Yet the insurance companies claim they are going up.

It's obvious that if you get several companies quoting you can halve your premium. Yet in my case every bloody year they try it on with a crazy quote and then drop the quote when I get a cheaper one.

It's a try on. Pure and simple. If you accept the first quote you are crazy. And if you can't get other quotes your fucked. Otherwise shop around

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By (user no longer on site)
over a year ago

If you ever ring the insurance company looking for information about your policy they class that as an intent to claim and hike your policy up the next time you renew even if you didnt claim anything.

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By (user no longer on site)
over a year ago

Cheapest around I got was with bank of Ireland €560 highest was €1900 clean licence 9 year driving on my own name should try them

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By (user no longer on site)
over a year ago

when they ask you wat you work at tell them factory worker cause it's dearer if you in construction or if you are bus / truck driver or more likely have crash they reckon or sales rep so worth saying factory worker was €70 cheaper

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By (user no longer on site)
over a year ago

That's the same as telling them you have no penalty points when you have. If you have a serious accident accident they will go through every line of your proposal to see was anything not true. If they find something they will repudiate cover and the 70 quid you saved telling lies will be very very foolish

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By *hemainman22Man
over a year ago

arklow

bank of ireland car insurance seem to be the cheapest by far,

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