Insurance for a 1st time male-1200?
- Thread starter MBoyle
- Start date
Re: Insurance for a 1st time male-1200.00??.
Last year when I was 28 (female, no previous insurance except as named driver, prov licence) I was quoted 1260 by Allianz/Axa - can't remember which, but the other Allianz/Axa didn't want to know me at all.
So I imagine that's the norm. I rang Eagle Star and got the insurance for 590 though - quite a sizeable difference!
Have you tried many companies?
Last year when I was 28 (female, no previous insurance except as named driver, prov licence) I was quoted 1260 by Allianz/Axa - can't remember which, but the other Allianz/Axa didn't want to know me at all.
So I imagine that's the norm. I rang Eagle Star and got the insurance for 590 though - quite a sizeable difference!
Have you tried many companies?
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Guest120
Guest
How you can talk about the cost of insurance when you don't mention the specifics of the car you drive is beyond me.
Figures alone mean nothing. Policies also differ greatly, the cheapest is not always the best.
Figures alone mean nothing. Policies also differ greatly, the cheapest is not always the best.
Whatever way you look at it, a difference of 680 euro on fully comprehensive insurance for the same car is a bit much. Especially, when the cover I got for 590 is good.
Still, at least I had the choice and was able to get a much lower deal. A lot of people on 1st-time insurance don't.
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polo9n
Guest
ARE you on full license?
Eagle star for woman is great, as they have what they call lady star, they halfed the previous insurance quote i got last year.
not sure how good they are for males.
G
Guest120
Guest
Still not nearly enough info to give any real feedback on.
First time driver....
Any named experience? Prov or full licence? (1st time driver (new to the road) or first time insurance (new to own policy) - some people do pass on lessons)
Level of insurance (TP, TP F&T, Fully Comp, Fully Comp with benefits)?
Year of car? Value of car? Hatch/Saloon? etc.
Even the location can make a large difference...
(recently had a reduction by moving my insured address [where the car will spend the majority of its time] from Cork [where I could (but didn't) leave it unlocked happily in a secure area] back to Dublin [where a friend had a car stolen from pretty much the same parking spot] (I never said it made sense!, probably to do with more Dub drivers using PT???)).
Different options then come into the choice. Each insurer will have an excess you must pay in the event of an accident. The higher the excess, the less lightly you are to claim, the lower the insurance. etc...
Each policy has to be compared on a like for like basis, or at least by you deciding how much you'd be willing to pay for additional/extra cover.
If you're on a provisional, with no NCB or named driver experience, on a 1.6l car... I'd suggest that you'd do well to get anything below that quote.
Bit hazy on the exact figures, but I think I was €1800 (possibly a little more) on a 1.4l Astra, 22, 1 year named driving experience (no claims), fully comp (with extra benefits cover), prov licence and a reduction for parent being with insurer.
Quickly fell below €1000 with changes from Prov to Full, increase in age, both parents were with insurer so seeked additional drop (though I did recieve a reduction not sure how much any individual one of these had anything to do with it) and more NCB (did have a change in car but as the age and value changed, along with the engine size up to a 1.6l, this had the net effect of +€50 with no change in the insurance "group" between the two cars).
[when originally searching I had quotes range from €1200 to ~€3000 but with huge differences to the Terms & Conditions on the cover being provided. Went for the cover I wanted not the lowest price]
Not too sure how big an issue the 1.6l vs. 1.4l engine is, but if you went any larger it would be a huge deal. I seeked a quote on a 1.8l when changing cars and was told they wouldn't, at first, then they would but it'd be over €3000 so I wouldn't take them up on it... they were right!
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polo9n
Guest
HIBERNIAN IGITION PACKAGE would be a good way to reduce the premium as well..as far as the car is no greater than 1.6 cc.
No named experience, looking for TP F&T, Car is 98 Saloon, Area is Dublin.
I'm looking for suggestions from people who found cheap Insurance from certain Insurance companies.... I am NOT looking for an exact quote. I can then pick up the phone and ring the Insurance Company where I will give the exact details so they can give me an exact quote.
I'm looking for suggestions from people who found cheap Insurance from certain Insurance companies.... I am NOT looking for an exact quote. I can then pick up the phone and ring the Insurance Company where I will give the exact details so they can give me an exact quote.
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polo9n
Guest
if you have already passed the driving test, your premium will go down a lot.
No named experience, looking for TP F&T, Car is 98 Saloon, Area is Dublin.
I'm looking for suggestions from people who found cheap Insurance from certain Insurance companies.... I am NOT looking for an exact quote. I can then pick up the phone and ring the Insurance Company where I will give the exact details so they can give me an exact quote.
Try the AA.
My insurance came down as follow for the past 3 years with roughly the same details as yourself except for I had no named driving exp
Year 1: 1300 Hibernian
Year 2: 800 Quinn Direct
Year 3: 500 AIG through the AA
Thanks Comanche - there are a few worth trying there...
For my first years insurance I went through a broker. I was starting out without being a named driver previously. The next year I searched around and found One Direct to be by far the cheapest. I have since changed to Hibernian. I found the site to be a helpful guide to the cost.
Are you a member of a trade union? Some unions have deals with brokers for home/car insurance. I'm an IMPACT member, who have a deal with GIS and haven't been beaten yet for their car insurance quotes. Might not take on first timers, but always worth a try.
This is quite different from...I'm looking for suggestions from people who found cheap Insurance from certain Insurance companies.... I am NOT looking for an exact quote. I can then pick up the phone and ring the Insurance Company where I will give the exact details so they can give me an exact quote.
The latter would obviously require the additional info.Jupiter said:
Do be careful to investigate the full costs associated with each offer. The excess is one of the obvious ones, but small things like using a car for company business (a requirement by contract for some jobs) can have huge differences (I was quoted €500 by one insurer for this while another provided it for no additional cost [equipment not covered (nor needed to be)]), can bump up a good quote to a poor one.
The only real way to do it is to try them all. What was the best deal for a driver in your situation last year (or even just a couple of months ago) may no longer be the best one available.
Pick the one(s) which closest match your needs (re the Ts&Cs) and then use the additional quotes to help drive the ones you want down. It's a pain, but it's the way the market works. It's certainly worth the few phone calls when you get a quote your happy with on the policy you want.
Jupiter,
I'm 26, one years no claimed bonus. No previous named driving insurance beyond that one year. Switched to Quinn Direct this week - fully comp for 770 Euros. Bizarrely my quote came down by about 200 Euro by including my girlfriend as a named driver - she is 24 with 2 years named driving experience.
I drive a 1 litrs Yaris (and have 2 penalty points) I was previously with FBD. FBD were significantly cheaper than any other insurance company when i was looking this time last year.
I'm 26, one years no claimed bonus. No previous named driving insurance beyond that one year. Switched to Quinn Direct this week - fully comp for 770 Euros. Bizarrely my quote came down by about 200 Euro by including my girlfriend as a named driver - she is 24 with 2 years named driving experience.
I drive a 1 litrs Yaris (and have 2 penalty points) I was previously with FBD. FBD were significantly cheaper than any other insurance company when i was looking this time last year.