FabSwingers.com forum: Insurance

By *ontbesillywrapyourwilly OP Man
over a year ago

Tipperary

Hi lads,who do you find the best insurance company are?

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By *ontbesillywrapyourwilly OP Man
over a year ago

Tipperary

"Hi lads,who do you find the best insurance company are? "
car insurance

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

The AA

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

What do you mean by "best"

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By *ontbesillywrapyourwilly OP Man
over a year ago

Tipperary

"What do you mean by "best""
cheapest. I'm sure it differs from men to women. My insurance is gone up nearly 100 this year.

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By *ichael McCarthyMan
over a year ago

Lucan

There is no one "cheapest" company. It depends on so many things. I got a commercial policy from Liberty a few years ago for €660, including open driving. I had no claims during the year but the renewal for the following year was €1900. Many of them will try to get you on board with all sorts of discounts and hope that you won't bother looking around the following year. Also age, experience, size and age of vehicle, location, gender and what the vehicle is used for are all factors that are taken into account.

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

Cheapest that I've seen might be fluxdirect, plus if you do a limited amount of miles per year you can have that taken into consideration which may reduce the overall cost

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By *ontbesillywrapyourwilly OP Man
over a year ago

Tipperary

"There is no one "cheapest" company. It depends on so many things. I got a commercial policy from Liberty a few years ago for €660, including open driving. I had no claims during the year but the renewal for the following year was €1900. Many of them will try to get you on board with all sorts of discounts and hope that you won't bother looking around the following year. Also age, experience, size and age of vehicle, location, gender and what the vehicle is used for are all factors that are taken into account. "
I was told only yesterday that my insurance should be coming down, not going up. I don't get how your insurance can be x price one year, nothing changes but it rises the year after.

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By *ontbesillywrapyourwilly OP Man
over a year ago

Tipperary

Would most shop around or just take the quote you're given?

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

123 is the cheapest i get it goes up cause of every 1 elses claims noting u done

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By *adylaceWoman
over a year ago

Waterford City

Always shop around. It’s a pain in the ass. But worth it in the end.

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By *oghunter33Woman
over a year ago

on the hill NordWest of

Always shop around and there's no straight answer who's the cheapest because it depends on so many factors, even your profession is a factor, ie try to get decent car insurance as an actor is almost impossible, why nobody knows.

Last autumn my former car ins gave me a quote of over 1000. The 'cheap' car insurance like 123 wouldn't even give me a quote because my car is over 10years old. Eventually got a good quote for 580 from allianz. So agsin always shop around, loyalty doesn't pay off anymore.

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By *evil_u_knowMan
over a year ago

city

Yeah it needs tighter regulation, I have like 12 years of no claims bonus, they will only count 5, but every year it goes up.

I know people and their insurance companies have paid out on claims they never knew about. Put their insurance up and taken away their no claims bonus without ever even contacting them, without them ever being in a crash.

I heard a taxi driver had a claim put in by two drug addicts, said they were a passanger in his car 2 years ago, and are only putting the claim in now. He has no recollection of them at all.

The police dont do anything either, you can have video evidence someone is faking their side of the story, and they will just be told you have video and that will be the end of it, they should be sent to jail.

But sure what to expect when the cops are up to it too. How many cops right now are out "injured", doing the scam where they work all overtime hours possible, in the shortest period possible, until they legally cant do any more overtime, then getting "injured" so their loss of earnings are higher than they should be.

Or the cop who I feel bad for who got a 25k claim because he had to talk to someone with a gun etc etc.

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By *ichael McCarthyMan
over a year ago

Lucan

"There is no one "cheapest" company. It depends on so many things. I got a commercial policy from Liberty a few years ago for €660, including open driving. I had no claims during the year but the renewal for the following year was €1900. Many of them will try to get you on board with all sorts of discounts and hope that you won't bother looking around the following year. Also age, experience, size and age of vehicle, location, gender and what the vehicle is used for are all factors that are taken into account. I was told only yesterday that my insurance should be coming down, not going up. I don't get how your insurance can be x price one year, nothing changes but it rises the year after."

Insurance companies want to get you in the door so they'll often cut the price the first time around. Mine went dien again this year for the second year in a row but only by about €25 or so. I'm paying €850 for a light truck with open driving and have never had a claim in my 35 years of driving, thankfully.

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By *ouble Trouble 1000Couple
over a year ago

ireland

Always ,always shop around for any thing we re spending big money on !

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

I shop around every year, switched to Allianz 3 years ago and their renewal has been the most competitive since, my insurance has gone down in the last couple of years.

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

"Always ,always shop around for any thing we re spending big money on !"

Exactly, the providers are relying on people's apathy, loyalty is penalised rather than being rewarded.

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By *evil_u_knowMan
over a year ago

city

"have never had a claim in my 35 years of driving, thankfully. "

They only count the last 5, there are people out there having one big crash every 5 years paying less than you.

My sister had over 30k claim against her, and pays less than me. I never had any.

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By *ichael McCarthyMan
over a year ago

Lucan

"have never had a claim in my 35 years of driving, thankfully.

They only count the last 5, there are people out there having one big crash every 5 years paying less than you.

My sister had over 30k claim against her, and pays less than me. I never had any."

Yup, these are facts of life. It still makes me happy to know that I've never had a collision in 35 years.

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By *ontbesillywrapyourwilly OP Man
over a year ago

Tipperary

I said 100 euro. My insurance is gone up 200.

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

Wankers the lot of them, they keep moving the goal post

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By *avidc2019Man
over a year ago

dublin

Op I was with Rsa for 5 years then went up by 300 so I went with chill insurance they are broker for lots of company’s them came in cheaper than anybody else,I know quotedevil are good too

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By *ontbesillywrapyourwilly OP Man
over a year ago

Tipperary

Chill insurance just quoted me 567 compared to liberty at 709.

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

Try kenco there good been with them before

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By *rsmiley69Man
over a year ago

Cavan Monaghan

I’ve a full clean license for 15 years but doesn’t seem to matter, switched to a different broker last year and saved about €120, strange thing is that it was exactly the same policy, you get nothing for being a good customer only screwed

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By *ka ..Agent k ..Man
over a year ago

€560 this year for an e320cdi

Fully comp alliance think it said

Not so bad I guess

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

"I’ve a full clean license for 15 years but doesn’t seem to matter, switched to a different broker last year and saved about €120, strange thing is that it was exactly the same policy, you get nothing for being a good customer only screwed "

Never made a claim

Donkeys years as a clean driver and never even a point on the license but still it goes up every year

Shop around

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

Don't know if they have an equivalent here but when I lived in the UK I took an advanced driving test to reduce insurance

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

Talk to me dirty about car insurance. Mmm that's hot!

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By *rsmiley69Man
over a year ago

Cavan Monaghan

"Don't know if they have an equivalent here but when I lived in the UK I took an advanced driving test to reduce insurance"
they had discounts for doing advanced courses on bikes not sure about car, i told broker last week i had a dash cam an they said won’t make a difference even though some advertise it,

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

"Hi lads,who do you find the best insurance company are? "

Always been Axa for me. By far £100 cheaper than closest rival

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By *osmicGateMan
over a year ago

louth

New insurance company called hitandrun insurance..they offer very competitive rates

Also a chinese owned companed sumtingwong insurane..even cheaper than hitandrun..check them out

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

Your insurance will go down if you have two named drivers on policy if no partner put family members on espcially women but must have clean licence etc.

Try it..

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By *ontbesillywrapyourwilly OP Man
over a year ago

Tipperary

"Your insurance will go down if you have two named drivers on policy if no partner put family members on espcially women but must have clean licence etc.

Try it.. "
does 2 named drivers automatically bring it down?

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By *m389Man
over a year ago

Bromley

I work in insurance. Message me ladies and I’ll share some secrets with you

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By *rsmiley69Man
over a year ago

Cavan Monaghan

"I work in insurance. Message me ladies and I’ll share some secrets with you

"
what about the rest of us

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

If you value your car more it brings it down too say its worth 10,000 say it's 16,000 but don't be stupid and try say a 2 grand car is worth 10 haha

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By *otLips 69Woman
over a year ago

Here or There

Ring your insurance company and say you’ve been quoted a lower price on a web comparison site be realistic with the value like 50-80€ cheaper. I guarantee they’ll come back with a better offer to you.

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

Get quotes in early before your deadline - that way you are getting deals cause they know ur shopping around and want ur business

Leave it to the last one or two days before your renewal date and they ll give feck all discount

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

Try Chill Insurance, found them cheapest by far when I was looking for car insurance. Quoting half the price of the big companies

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By *ontbesillywrapyourwilly OP Man
over a year ago

Tipperary

Got sorted. Thanks all

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By *ohndunboyneMan
over a year ago

Dunboyne & Dublin

Do let us know who gave you the best deal and how much you saved

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By *ontbesillywrapyourwilly OP Man
over a year ago

Tipperary

"Do let us know who gave you the best deal and how much you saved

"
everyone is different. One man said axa was good, they quoted me over a 1,000. I stayed with liberty.

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By *gentleman44Man
over a year ago

dublin

Quote devil were the best for me,I got a great deal!!!!

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By *0ger_M0reMan
over a year ago

cork

Am working for a massive broker that has been mentioned on this post multiple times and if I can lend a hand to anyone just drop me a line and I’ll be more than happy to help

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By *rsmiley69Man
over a year ago

Cavan Monaghan

"Am working for a massive broker that has been mentioned on this post multiple times and if I can lend a hand to anyone just drop me a line and I’ll be more than happy to help "
does the way you describe your job make a difference, I’m a welder but could also be described as a factory worker,

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