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Cost Comparisons

Motor insurance

This survey is correct as at May 2010.

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. You can use our 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 Summaries

Profile - 1

I am a 19 year old student from Maynooth, Co. Kildare. I drive a 2003 Opel Corsa Njoy (5-door hatchback).

Profile - 2

I am a 46-year-old stay-at-home parent from Swinford, Co. Mayo. I drive a 2007 Citr�en C4 Picasso (5-door, 7-seater). I am looking for cover for myself and my spouse, who is a 46-year-old teacher.

Profile - 3

I am a 66-year-old retired person from Callan, Co. Kilkenny. I drive a 2002 Volkswagen Golf (5-door hatchback).

Profile - 4

I am a 66-year-old retired person from Callan, Co. Kilkenny. I drive a 2002 Volkswagen Golf (5-door hatchback). I lost my no-claims-record in March following a claim.

Profile - 1

I am a 19 year old student from Maynooth, Co. Kildare. I drive a 2003 Opel Corsa Njoy (5-door hatchback).

Age:	19
Occupation:	Student
Address:	Maynooth, Co. Kildare
Car Type:	Opel Corsa Njoy, Manual
Value:	€3,700
Year of registration:	2003
Engine size:	1.0 litre
Use of car:	Social/Domestic
No claims record:	None
Licence:	1 year, full
Penalty points:	None
Annual mileage:	4,500
Cover for:	Self
Alarm:	Yes
Garage at night:	No

	Male, comprehensive	Female, comprehensive	Male, third-party, fire and theft	Female, third-party, fire and theft	Excess	APR% charged for paying by instalment
Allianz	No quote¹	No quote	No quote	No quote	Not applicable	Not applicable
Aviva	€1,802 (quote subject to successfully completing 'ignition assessment').²	€928 (quote subject to successfully completing 'ignition assessment').²	€1,617 (quote subject to successfully completing 'ignition assessment').²	€796 (quote subject to successfully completing 'ignition assessment').²	€600 (comprehensive).	20.10%
AXA	€2,044	€1,342	€1,789	€1174	€500	17.04%
ChartisDirect	No quote³	No quote³	No quote³	No quote³	Not applicable	Not applicable
FBD	€3,748	€3,161	€3,162	€2,626	€350 (comprehensive).	13.40%
Quinn Direct	€1,659	€1,073	€1,338	€865	€300	19.66%
RSA Insurance Ireland Ltd⁴	€3,063	€2,002	€2,440	€1,592	€350⁵	13.70%
Zurich	€3,481	€1,673	€3,133	€1,443	€375 (comprehensive).⁶	19.90%

Profile - 2

I am a 46-year-old stay-at-home parent from Swinford, Co. Mayo. I drive a 2007 Citr�en C4 Picasso (5-door, 7-seater). I am looking for cover for myself and my spouse, who is a 46-year-old teacher.

Age:	46
Occupation:	Stay-at-home parent
Address:	Swinford, Co. Mayo
Car Type:	Citröen C4 Picasso, Manual
Value:	€14,300
Year of registration:	2007
Engine size:	1.8 litre
Use of car:	Social/Domestic
No claims record:	1 year
Licence:	10 years, full
Penalty points:	None
Annual mileage:	12,000
Cover for:	Self and spouse*
Alarm:	Yes
Garage at night:	No

* Spouse has a full licence, and no penalty points.

	Male, comprehensive	Female, comprehensive	Male, third-party, fire and theft	Female, third-party, fire and theft	Excess	APR% charged for paying by instalment
Allianz	€774⁷	€677⁷	€746⁷	€637⁷	€250	18.60%⁸
Aviva	€755	€694	€692	€636	€600 (comprehensive).	20.10%
AXA	€970	€888	€707	€619	€250 (comprehensive only).	17.04%
ChartisDirect	€988	€1,015	€842	€865	€250	Not applicable
FBD	€991	€877	€622	€544	€200 (comprehensive only).	13.40%
Quinn Direct	€978	€908	€724	€672	€300	19.66%
RSA Insurance Ireland Ltd⁴	€900	€900	€680	€680	None	13.70%
Zurich	€818	€762	€736	€686	€375 (comprehensive).⁶	19.90%

Profile - 3

I am a 66-year-old retired person from Callan, Co. Kilkenny. I drive a 2002 Volkswagen Golf (5-door hatchback).

Age:	66
Occupation:	Retired
Address:	Callan, Co. Kilkenny
Car Type:	Volkswagen Golf, manual
Value:	€4,250
Year of registration:	2002
Engine size:	1.4 litre
Use of car:	Social/Domestic
No claims record:	11 years
Licence:	8 years, full
Penalty points:	2 points
Annual mileage:	15,000
Cover for:	Self
Alarm:	Yes
Garage at night:	No

	Male, comprehensive	Female, comprehensive	Male, third-party, fire and theft	Female, third-party, fire and theft	Excess	APR% charged for paying by instalment
Allianz	€402⁷	€374⁷	€383⁷	€356⁷	€250	18.60%⁸
Aviva	€350	€307	€326	€285	€600 (comprehensive).	20.10%
AXA	€380	€351	€351	€351	€250 (comprehensive only).	17.04%
ChartisDirect	€458	€432	€413	€389	€250	Not applicable
FBD	€576	€514	€423	€377	€200 (comprehensive).	13.40%
Quinn Direct	€346	€328	€249	€249	€300	19.66%
RSA Insurance Ireland Ltd⁴	€385	€389	€306	€310	€250 (comprehensive only).	13.70%
Zurich	€360	€382	€324	€344	€375 (comprehensive).⁶	19.90%

Profile - 4

I am a 66-year-old retired person from Callan, Co. Kilkenny. I drive a 2002 Volkswagen Golf (5-door hatchback). I lost my no-claims-record in March following a claim.

Age:	66
Occupation:	Retired
Address:	Callan, Co. Kilkenny
Car Type:	Volkswagen Golf, manual
Value:	€4,250
Year of registration:	2002
Engine size:	1.4 litre
Use of car:	Social/Domestic
No claims discount:	None
Licence:	8 years, full
Penalty points:	2 points
Annual mileage:	15,000
Cover for:	Self
Alarm:	Yes
Garage at night:	No

	Male, comprehensive	Female, comprehensive	Male, third-party, fire and theft	Female, third-party, fire and theft	Excess	APR% charged for paying by instalment
Allianz	€402⁷	€374⁷	€383	€356	€250	18.60%⁸
Aviva	€770	€675	€717	€628	€600 (comprehensive).	20.10%
AXA	€380	€351	€351	€351	€250 (comprehensive only).	17.04%
ChartisDirect	€833	€790	€750	€711	€250	Not applicable
FBD	€1,139	€1,014	€796	€703	€200 (comprehensive)	13.40%
Quinn Direct	€708	€475	€550	€369	€300	19.66%
RSA Insurance Ireland Ltd⁴	€385	€389	€306	€310	€250 (comprehensive only).	13.70%
Zurich	€360	€382	€324	€344	€375 (comprehensive).⁶	19.90%

1. No quote as person seeking quote does not meet the firm's minimum acceptance criteria.
2. The 'ignition assessment' is a one-hour on-road driving assessment arranged with the Aviva Driving School.
3. No quote as applicant is a full-time student.
4. 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.
5. Comprehensive, and female third-party, fire and theft only.
6. Comprehensive (accidental damage only).
7. This quote includes a 10% discount for applying on-line.
8. The figure above is equivalent to an 8% service charge expressed as an APR% for comparison purposes.

Please note:

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Cost Comparisons

Motor insurance

19

Student

Maynooth, Co. Kildare

Opel Corsa Njoy, Manual

€3,700

2003

1.0 litre

Social/Domestic

None

1 year, full

None

4,500

Self

Yes

No

46

Stay-at-home parent

Swinford, Co. Mayo

Citröen C4 Picasso, Manual

€14,300

2007

1.8 litre

Social/Domestic

1 year

10 years, full

None

12,000

Self and spouse*

Yes

No

66

Retired

Callan, Co. Kilkenny

Volkswagen Golf, manual

€4,250

2002

1.4 litre

Social/Domestic

11 years

8 years, full

2 points

15,000

Self

Yes

No

66

Retired

Callan, Co. Kilkenny

Volkswagen Golf, manual

€4,250

2002

1.4 litre

Social/Domestic

None

8 years, full

2 points

15,000

Self

Yes

No