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Motor insurance

This survey is correct as at end-June 2012.

See our home insurance section to learn more about home insurance. Please read our disclaimer before you use our information. Individual brokers and online brokers are not included in our cost comparisons but our home insurance checklist will help you shop around using various sources.

Remember, the cheapest quote may not always represent the most suitable product for your individual circumstances.

Profile Summaries
Profile – 1 My home is a 3-bedroom bungalow in Co. Monaghan. The rebuilding cost is €140,000 and the contents are worth €60,000.
Profile – 2 My home is a 3-bedroom semi-detached house in Co. Galway. The rebuilding cost is €130,000 and the contents are worth €40,000.
Profile – 3 My home is a 2-bedroom bungalow in Co. Longford. The rebuilding cost is €120,000 and the contents are worth €20,000.
Profile – 4 I own a 3-bedroom terraced house in Co. Cork. The rebuilding cost is €130,000 and the contents are worth €40,000.
Profile – 5 I own a 3-bedroom terraced house in Co. Cork. The rebuilding cost is €130,000 and the contents are worth €40,000.
Profile – 6 My home is a 2-bedroom apartment in Swords, Co. Dublin. I require contents insurance of €35,000.
Profile – 7 My home is a 4-bedroom terraced house in Terenure, Dublin 6W. The rebuilding cost is €200,000 and the contents are worth €60,000.

Profile – 1

My home is a 3-bedroom bungalow in Co. Monaghan. The rebuilding cost is €140,000 and the contents are worth €60,000.
Age of property: 10 years
Is the area liable to flooding? No
Is the area prone to subsidence? No
Previous claims: None
Age of applicant: 42 years
IS199 burglar alarm fitted: Yes
Neighbourhood watch scheme: No
Security locks fitted on doors: Yes
Security locks fitted on windows: Yes
Smoke alarm: Yes
All risks (unspecified items): None
Broker/Direct Quotations Standard Excess1
Allianz Direct €273.75 €250
Aviva Direct €344.99 €275
AXA Direct €499.50 €350
AIG Europe Ltd. Direct €596.69 €500
FBD Direct €407.75 €250
Lloyds via Getcover.com2 Direct via Getcover €266.673 €250
Liberty Insurance Direct €334.87 €125
RSA Insurance Ireland Ltd Broker €385.224 €500
Zurich Direct €263.42 €250

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Profile – 2

My home is a 3-bedroom semi-detached house in Co. Galway. The rebuilding cost is €130,000 and the contents are worth €40,000.

 

Age of property: 50 years
Is the area liable to flooding? No
Is the area prone to subsidence? No
Previous claims: One*
Age of applicant: 36 years
IS199 burglar alarm fitted: Yes
Neighbourhood watch scheme: No
Security locks fitted on doors: Yes
Security locks fitted on windows: No
Smoke alarm: Yes
All risks (unspecified items): None
*Claim for EUR 10,000 for fire damage in 2007.

 
Broker/Direct Quotations Standard Excess1
Allianz Direct €332.75 €250
Aviva Direct €373.78 €275
AXA Direct €544.40 €350
AIG Europe Ltd. Direct €571.29 €500
FBD Direct €350.985 €250
Lloyds via Getcover.com2 Direct via Getcover €234.236 €250
Liberty Insurance Direct €302.25 €125
RSA Insurance Ireland Ltd Broker €473.047 €500
Zurich Direct €247.72 €250

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Profile – 3

My home is a 2-bedroom bungalow in Co. Longford. The rebuilding cost is €120,000 and the contents are worth €20,000.
Age of property: 10 years
Is the area liable to flooding? Yes
Is the area prone to subsidence? No
Previous claims: None
Age of applicant: 66 years
IS199 burglar alarm fitted: Yes
Neighbourhood watch scheme: No
Security locks fitted on doors: No
Security locks fitted on windows: No
Smoke alarm: Yes
All risks (unspecified items): None
Broker/Direct Quotations Standard Excess1
Allianz Direct €209.46 €250
Aviva Direct €249.92 €275
AXA No quote8
AIG Europe Ltd. No quote9
FBD No quote8
Lloyds via Getcover.com2 Direct via Getcover €203.1110, 11 €250
Liberty Insurance No quote12
RSA Insurance Ireland Ltd Broker €281.3813, 14 €500
Zurich Direct €214.4115 €250

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Profile – 4

I own a 3-bedroom terraced house in Co. Cork. The rebuilding cost is €130,000 and the contents are worth €40,000.
Age of property: 36
Is the area liable to flooding? No
Is the area prone to subsidence? No
Previous claims: None
Age of applicant: 29 years
IS199 burglar alarm fitted: No
Neighbourhood watch scheme: No
Security locks fitted on doors: No
Security locks fitted on windows: No
Smoke alarm: No
All risks (unspecified items): None
Broker/Direct Quotations Standard Excess1
Allianz Direct €415.37 €250
Aviva Direct €329.93 €275
AXA Direct €430.13 €350
AIG Europe Ltd. Direct €1,147.68 €500
FBD Direct €283.27 €250
Lloyds via Getcover.com2 Direct via Getcover €290.306 €250
Liberty Insurance Direct €353.77 €125
RSA Insurance Ireland Ltd Broker €385.1716, 17 €500
Zurich Direct €295.67 €250

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Profile – 5

I own a 3-bedroom terraced house in Co. Cork. The rebuilding cost is €130,000 and the contents are worth €40,000.
Age of property: 36 years
Is the area liable to flooding? No
Is the area prone to subsidence? No
Previous claims: None
Age of applicant: 29 years
IS199 burglar alarm fitted: Yes
Neighbourhood watch scheme: No
Security locks fitted on doors: Yes
Security locks fitted on windows: Yes
Smoke alarm: Yes
All risks (unspecified items): None
Broker/Direct Quotations Standard Excess1
Allianz Direct €351.60 €250
Aviva Direct €282.11 €275
AXA Direct €365.61 €350
AIG Europe Ltd. Direct €749.89 €500
FBD Direct €283.27 €250
Lloyds via Getcover.com2 Direct via Getcover €246.766 €250
Liberty Insurance Direct €323.93 €125
RSA Insurance Ireland Ltd Broker €334.187 €500
Zurich Direct €295.67 €250

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Profile – 6

My home is a 2-bedroom apartment in Swords, Co. Dublin. I require contents insurance of €35,000.

 

Age of property: 5 years
Is the area liable to flooding? No
Is the area prone to subsidence? No
Previous claims: None
Age of applicant: 35 years
IS199 burglar alarm fitted: No
Neighbourhood watch scheme: No
Security locks fitted on doors: No
Security locks fitted on windows: No
Smoke alarm: Yes
All risks (unspecified items): Yes*
*EUR 1,000 computer, EUR 500 i-Phone.

 
Broker/Direct Quotations Standard Excess1
Allianz Direct €185.82 €250
Aviva No quote18
AXA Direct €188.13 €350
AIG Europe Ltd. No quote19
FBD No quote20
Lloyds via Getcover.com2 Direct via Getcover €201.71 €250
Liberty Insurance Direct €159.7321 €125
RSA Insurance Ireland Ltd Broker €236.9717 €500
Zurich Direct €417.41 €250

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Profile – 7

My home is a 4-bedroom terraced house in Terenure, Dublin 6W. The rebuilding cost is €200,000 and the contents are worth €60,000.
Age of property: 60 years
Is the area liable to flooding? No
Is the area prone to subsidence? No
Previous claims: None
Age of applicant: 55 years
IS199 burglar alarm fitted: Yes
Neighbourhood watch scheme: Yes
Security locks fitted on doors: No
Security locks fitted on windows: No
Smoke alarm: Yes
All risks (unspecified items): None
Broker/Direct Quotations Standard Excess1
Allianz Direct €377.87 €250
Aviva No quote 18
AXA Direct €445.82 €350
AIG Europe Ltd. Direct €501.20 €500
FBD Direct €417.73 €200
Lloyds via Getcover.com2 Direct via Getcover €243.18 €250
Liberty Insurance Direct €328.44 €125
RSA Insurance Ireland Ltd Broker €397.5222 €500
Zurich Direct €492.88 €250

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1. This is the first part of any insurance claim that you have to pay yourself. It is usually a fixed sum. Remember for home insurance a subsidence excess will be a much higher amount (typically €1,000). 2. This Lloyd’s home insurance policy is only available through Getcover.com. 3. Quote based on buildings sum insured of €150,000. 4. Quote based on contents sum insured of €70,000. 5. Quote is not available online. Full details must be communicated to FBD. 6. Quote based on a building sum insured of €135,000. 7. Quote based on contents sum insured of €52,000. 8. No quote due to flood risk 9. Properties with prior flood claims or located in flood prone areas cannot be automatically quoted without a more detailed assessment. 10. Quote based on a building sum insured of €130,000 and a contents sum insured of €26,000. 11. Quote does not include flood cover. 12. Quote may be available on referral to insurer 13. Quote based on building sum insured of €130,000 and contents sum insured of €27,500 which are minimum sums insurable by RSA. 14. Quote is indicative only due to flood risk. To determine cover, additional information would be required. 15. Quote based on minimum building sum insured value of €125,000. 16. Quote based on contents sum insured of €52,000. 17. Quote is indicative only due to security concerns. Confirmation that the property meets RSA’s minimum security requirements would be necessary. 18. No quote as property does not meet security requirements 19. Chartis does not automatically quote for contents only insurance. Quotes are assessed on an individual basis. 20. No quote due to lack of security locks on doors and windows. 21. Quote excludes cover for i-phone 22. Quote based on contents sum insured of €60,000.
Source:Competition and Consumer Protection Commission. www.consumerhelp.ie

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