Itsyourmoney print logo


Cost Comparisons

Motor insurance

This survey is correct as at October 2009.
Click on individual firms' names for more detailed information on the quotes below.
Individual brokers are not included in our cost comparisons. However, competitive quotes can be obtained online, from brokers, and directly from firms, so make sure to shop around - use our motor insurance shopping around checklist to compare quotes from brokers and insurers, to help you ask the right questions and to keep track of discounts and benefits.  Remember, the cheapest quote may not always represent the most suitable product for your individual circumstances.
If you need an explanation of financial terms like 'excess' in plain English, make sure to check out our Jargon Buster.

Profile - 1

I am a 32 year old social worker from Lucan, Co. Dublin. I drive a 2006 VW Polo (5 door comfortline hatchback).

     Age:

 32

     Occupation:

 Social Worker

     Address:   

 Lucan, Co. Dublin

     Car Type:

 VW Polo (comfortline)

     Value:                          

 €10,000

     Year of registration:

 2006

     Engine size:

 1.4 litre 

     Use of car:

 Social/Domestic

     No claims discount:

 5 years

     Licence:

 10 years full

     Penalty points:

 None

     Annual mileage:

 5,000

     Cover for:

 Self

     Alarm:

 Yes

     Garage at night:

 No
 Male, comprehensiveFemale, comprehensiveMale, third-party, fire and theftFemale, third-party, fire and theftExcess
ChartisDirect€592€553€515€478€250
Allianz€753€663€717€631€250
AXA€671€528€541€427€500 (comprehensive only).
FBD€468€414€397€359€200 (comprehensive only).
Aviva€468€415€460€408€600 (comprehensive only)
Quinn Direct€496€420€386€328€300
RSA Insurance Ireland Ltd1€510€505€470€465€250 (comprehensive only)
Zurich€594€509€535€459€250 (comprehensive only).

Back to Top

Profile - 2

I am a 22 year old student from Kinsale, Co. Cork. I drive a 2002 Nissan Almera (4 door saloon). My partner who is also 22 years old has a provisional licence and is a named driver on our car.

     Age:

 22

     Occupation:

 Student

     Address:   

 Kinsale, Co. Cork

     Car Type:

 Nissan Almera

     Value:                          

 €4,600

     Year of registration:

 2002

     Engine size:

 1.5 litre 

     Use of car:

 Social/Domestic

     No claims discount:

 2 years

     Licence:

 4 years full

     Penalty points:

 2 points

     Annual mileage:

 10,000

     Cover for:

 Self and spouse*

     Alarm:

 Yes

     Garage at night:

 Yes

*Spouse is a 22 year old accountant, has a provisional licence for 5 years with no penalty points.

 

 Male, comprehensiveFemale, comprehensiveMale, third-party, fire and theftFemale, third-party, fire and theftExcess
ChartisDirectNo quote2No quote2No quote2No quote2Not applicable
Allianz€1,975€1,695€1,930€1,638€4403
AXA€2,213€2,506€1,909€2,155€500 (comprehensive only).
FBD€1,892€1,652€1,509€1,303€350 (comprehensive only).
Aviva€1,229 (quote subject to completing 'ignition assessment').4€873 (quote subject to completing 'ignition assessment').4€1,198 (quote subject to completing 'ignition assessment').4€786 (quote subject to completing 'ignition assessment').4€600 (comprehensive only)
Quinn Direct€1,044€1,418€817€1,106€300
RSA Insurance Ireland Ltd1€2,153€2,153€1,945€1,945€350 (comprehensive only)
Zurich€2,854€2,033€2,397€1,770€375 (comprehensive only)

Back to Top

Profile - 3

I am a 55 year old clerical worker from Roscam, Co. Galway. I drive a 2007 Ford Mondeo (4 door).

     Age:

 55

     Occupation:

 Clerical Worker

     Address:   

 Roscam, Co. Galway

     Car type:

 Ford Mondeo (4 door saloon)

     Value:                          

 €15,500

     Year of registration:

 2007

     Engine size:

 1.8 litre 

     Use of car:

 Social/Domestic

     No claims discount:

 5 years

     Licence:

 30 years full

     Penalty points:

 None

     Annual mileage:

 5,000

     Cover for:

 Self

     Alarm:

 Yes

     Garage at night:

 No

 

 Male, comprehensiveFemale, comprehensiveMale, third-party, fire and theftFemale, third-party, fire and theftExcess
ChartisDirect€545€579€464€493€250
Allianz€632€566€602€539€250
AXA€480€421€413€342€500 (comprehensive only).
FBD€598€530€411€367€200 (comprehensive only).
Aviva€471€417€454€402€600 (comprehensive only)
Quinn Direct€459€421€333€306€300
RSA Insurance Ireland Ltd1€523€545€486€506€250 (comprehensive only)
Zurich€479€445€431€401€250 (comprehensive only).

Back to Top

Profile - 4

I'm 35 years old and currently unemployed. I live in Co. Carlow. I drive a 2003 Peugeot 106 (5 door hatchback).

     Age:

 35

     Occupation:

 Currently unemployed

     Address:   

 Co. Carlow

     Car Type:

 Peugeot 106

     Value:                          

 €3,500

     Year of registration:

 2003

     Engine size:

 1.1 litre 

     Use of car:

 Social/Domestic

     No claims discount:

 2 years

     Licence:

 4 years full

     Penalty points:

 4 points

     Annual mileage:

 9,000

     Cover for:

 Self

     Alarm:

 Yes

     Garage at night:

 Yes
 Male, comprehensiveFemale, comprehensiveMale, third-party, fire and theftFemale, third-party, fire and theftExcess
ChartisDirect€771€698€688€623€250
Allianz€753€667€726€627€250
AXA€432€367€384€340€500 (comprehensive only).
FBD€592€521€411€357€200 (comprehensive only).
Aviva€896€778€880€764€600 (comprehensive only)
Quinn Direct€756€494€585€384€300
RSA Insurance Ireland Ltd1€747€744€681€679€250 (comprehensive only)
Zurich€650€582€585€524€250 (comprehensive only).

Back to Top

1. RSA provide insurance policies solely through a network of brokers and corporate partners and the quotes listed above are available only through a certain number of these brokers, banks and building societies. You should contact RSA directly for further information on how you can get these quotations.
2. No quote as applicant is a full-time student.
3. This €440 excess is made up of standard excess of €250, plus €190 for drivers under 25 years.
4. The 'ignition assessment' is a one-hour on-road driving assessment arranged with the Hibernian Aviva Driving School.

Please note:

If you need more information, you can check out our buying a car section.
Please read our disclaimer before you use our information.



© 2010 National Consumer Agency. All rights reserved.