Aviva says lowest car Insurance quote available is €280.

It maybe a cool, wet and miserable day outside but I'm smiling from ear to ear as I've just gotten my car insurance renewal
And finally after only nine years with Aviva I've hit the holy grail of renewals "The minimum premium" of €310
No twenty minute phone call just pay up and enjoy another year of good value motor insurance :)
 
Cervelo said:
No twenty minute phone call just pay up and enjoy another year of good value motor insurance :)
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Although I said "no twenty minute phone call" I decided to just check if I could improve on my renewal quote by doing a new customer online quote and guess what, yes I could :)
So yesterday gave them a call (24 minutes) and renewed as a new customer but also in addition to protected NCD I also now have reduced my excess from €300 to €125 added stepback NCD and also personal accident benefit
Total value of the additions came to €48.63 and there still is a minimum premium charge been added of €20.83 to bring the policy up to the €310

As we've said before in this thread I've done this so as when next years renewal comes in and if by chance I can't get it down to the minimum premium I can remove some or all of the additions to help lower the premium
 
Just got the lowest car insurance quote in my life - driving 39 years

Fully comp €297.30 with AIG (includes extra 10% Golf GUI card discount). Wife as named driver and 3 penalty points in license. Otherwise perfect record and boring safe volvo :D
 
peemac said:
Fully comp €297.30
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That's good. I get the lowest with Aviva €310. I tried to get a quote with AIG online but after inputting all my info I got a message to say they couldn't quote?
I get free travel insurance with Aviva because I also have my home insurance with them, probably worth a few quid.
 
Cervelo said:
Although I said "no twenty minute phone call" I decided to just check if I could improve on my renewal quote by doing a new customer online quote and guess what, yes I could :)
So yesterday gave them a call (24 minutes) and renewed as a new customer but also in addition to protected NCD I also now have reduced my excess from €300 to €125 added stepback NCD and also personal accident benefit
Total value of the additions came to €48.63 and there still is a minimum premium charge been added of €20.83 to bring the policy up to the €310

As we've said before in this thread I've done this so as when next years renewal comes in and if by chance I can't get it down to the minimum premium I can remove some or all of the additions to help lower the premium
Click to expand...

Many thanks for the tip. Like you, I was happy to receive the €310 Aviva renewal quote.

But I followed your example and have ended up with the same outcome. Happy days!
 
i don't care what insurers claim about windscreen claims, but since i had to make one (thanks Kia for more shoddy works) my premium has increased from the min of 280 4 years ago to ~500 this year. No other claims. Car is now 5 years old.
 
daheff said:
i don't care what insurers claim about windscreen claims, but since i had to make one (thanks Kia for more shoddy works) my premium has increased from the min of 280 4 years ago to ~500 this year. No other claims. Car is now 5 years old.
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Well I've made two in the past, most recently in 2019 with Aviva and never noticed an increase in my premiums due to the claim
Yes the claim is mentioned in my NCD but it hasn't affected it either and nor is it an issue when looking for quotes from other insurers
 
daheff said:
I also saw there is a new insurer to the market OUTsurance. But i couldnt get their site to quote me.
www.rte.ie

OUTsurance joins Irish insurance market

Consumers look set to have more choice in the insurance market from today with the formal launch of a new insurer.
www.rte.ie www.rte.ie
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You have to stay with OUTsurance for 3 years claim free before you get your 10% refund. Even if they were competitive in year 1, that does not necessarily mean they would be competitive in year 2 & 3. I get close to minimum premiums with other insurers, so can’t see OUTsurance benefitting me, it will be interesting to see if others can benefit.

And talking of windscreens, your 10% refund is not affected by windscreen repairs with OUTsurance, but you lose it if you make a windscreen replacement claim at any stage in your 3 year cycle.

Car & Home Insurance Ireland | OUTsurance

Car & Home Insurance in Ireland. Experience the OUTbonus. Get 10% cashback on insurance premiums. You always pay IN - why not get something OUT! Quote now.
www.outsurance.ie www.outsurance.ie
 
just to update a little. I was still checking around for quotes. Its4women gave me a quote of 316EUR (fully comp, NCD, 300 excess).....which is the lowest i've gotten since before my windscreen decided to implode.
 
I got my lowest quote in 2021 of €280, still the same car, drivers and conditions but I am hovering at €600 for the cheapest quote, asked a broker and they could only get €640. If I remove my adult child it drops to €400 but kid is getting older each year should be getting cheaper if anything. It has increased by €100 in a year and I did not shop around last year, so I was figuring this years quote was building on my inaction last year.

I thought car insurance should be getting cheaper.
 
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