Cost Comparisons

Motor insurance

This survey is correct as at November 2011. Click on individual firms' names for more detailed information on the quotes below. All quotes provided have been rounded to the nearest euro.

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 - 1

I am a 43 year old accountant from Walkinstown, Dublin 12. I drive a 2008 Volvo S40 (4-door saloon). I am looking for cover for my spouse and myself.

     Age:

43

     Occupation:

Accountant

     Address:   

Walkinstown, Dublin 12

     Car Type:

Volvo S40 (4-door saloon), Manual

     Value:                          

€14,000

     Year of registration:

2008

     Engine size:

1.6 litre 

     Use of car:

Social/Domestic

     No claims record:

10 years

     Licence:

15 years, full

     Penalty points:

None

     Annual mileage:

18,000

     Cover for:

Self and spouse* 

     Alarm:

Yes

     Garage at night:

No
* Spouse is a 44 year old housewife/househusband with 5 years full licence and 5 years no claims bonus.  Spouse is also insured on their own vehcle in their own name.
 Male, comprehensiveFemale, comprehensiveMale, third-party, fire and theftFemale, third-party, fire and theftExcess1APR% charged for paying by instalment
Allianz€404€379€399€374€250 (for both comprehensive and third-party, fire and theft)18.60%
Aviva€347€298€289€280€600 (comprehensive), Nil (third-party, fire and theft)20.1%
AXA€396€374€331€331€500 (comprehensive), Nil (third-party, fire and theft)17.09%
ChartisDirect€524€468€430€385€250 (for both comprehensive and third-party, fire and theft)Not applicable
FBD€413€352€325€288€200 (comprehensive), Nil (third-party, fire and theft)16.80%
Liberty Insurance€397€389€318€276€300 (for both comprehensive and third-party, fire and theft)19.66%
RSA Insurance Ireland Ltd2, 3€323€322€252€252€450 (for both comprehensive and third-party, fire and theft)23.2%
Zurich€407€377€366€339€250 (comprehensive), Nil (third-party, fire and theft)19.90%

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Profile - 2

I am a 20 year old student from Ballina, Co. Mayo. I drive a 2003 Seat Ibiza (5-door hatchback Stella). I have recently received my first provisional licence and have no previous driving experience.

     Age:

20

     Occupation:

Student

     Address:   

Ballina, Co. Mayo

     Car Type:

Seat Ibiza (5-door hatchback Stella), Manual

     Value:                          

€2,800

     Year of registration:

2003

     Engine size:

1.2 litre 

     Use of car:

Social/Domestic

     No claims record:

None

     Licence:

Provisional, no experience

     Penalty points:

None

     Annual mileage:

9,000

     Cover for:

Self

     Alarm:

Yes

     Garage at night:

No

 

 Male, comprehensiveFemale, comprehensiveMale, third-party, fire and theftFemale, third-party, fire and theftExcess1APR% charged for paying by instalment
AllianzNo quote4No quoteNo quoteNo quoteNot applicableNot applicable
Aviva€2,328€1,434€2,424€1,492€600 (comprehensive), Nil (third-party, fire and theft)20.1%
AXA€1,888€1,233€1,632€1,077€500 (comprehensive), Nil (third-party, fire and theft)17.09%5
ChartisDirectNo quote6No quoteNo quoteNo quoteNot applicableNot applicable
FBD€2,550€1,667€2,035€1,196€350 (comprehensive), Nil (third-party, fire and theft)16.80%
Liberty Insurance€2,384€1,301€1,979€1,076€300 (for both comprehensive and third-party, fire and theft)19.66%
RSA Insurance Ireland Ltd2, 3No quote4No quoteNo quoteNo quoteNot applicableNot applicable
ZurichNo quote4€1,428No quote4€1,285€375 (comprehensive) Nil (third-party, fire and theft)19.90%

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Profile - 3

I am a 20 year old student from Ballina, Co. Mayo. I drive a 2003 Seat Ibiza (5-door hatchback Stella). I have recently obtained my full licence.

Age:

20

Occupation:

Student

Address:

Ballina, Co. Mayo

Car Type:

Seat Ibiza (5-door hatchback Stella), Manual

Value:

€2,800

Year of registration:

2003

Engine size:

1.2 litre

Use of car:

Social/Domestic

No claims record:

None

Licence:

Full licence, less than one year

Penalty points:

None

Annual mileage:

9,000

Cover for:

Self

Alarm:

Yes

Garage at night:

No

 

 Male, comprehensiveFemale, comprehensiveMale, third-party, fire and theftFemale, third-party, fire and theftExcess1APR% charged for paying by instalment
AllianzNo quote4No quoteNo quoteNo quoteNot applicableNot applicable
Aviva€1,791€1,103€1,865€1,148€600 (comprehensive), Nil (third-party, fire and theft)20.1%
AXA€1,250€908€1,111€813€500 (comprehensive), Nil (third-party, fire and theft)17.09%5
ChartisDirectNo quote6No quoteNo quoteNo quoteNot applicableNot applicable
FBD€1,607€1,270€1,111€816€350 (comprehensive), Nil (third-party, fire and theft)16.80%
Liberty Insurance€1,529€834€1,265€695€300 (for both comprehensive and third-party, fire and theft)19.66%
RSA Insurance Ireland Ltd2, 3€2,424€1,721€1,526€951€450 (for both comprehensive and third-party, fire and theft)23.2%
ZurichNo quote €1,124No quote€1,012€375 (comprehensive) Nil (third-party, fire and theft)19.90%

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Profile - 4

I am a 72 year old retired person from Bray, Co. Wicklow. I drive a 2004 Nissan Micra (5-door hatchback).

Age:

72

Occupation:

Retired Legal Assistant

Address:

Bray, Co. Wicklow

Car Type:

Nissan Micra (5-door hatchback), Manual

Value:

€3,300

Year of registration:

2004

Engine size:

1.0 litre

Use of car:

Social/Domestic

No claims record:

20 years

Licence:

45 years

Penalty points:

None

Annual mileage:

10,000

Cover for:

Self

Alarm:

Yes

Garage at night:

No

 

 Male, comprehensiveFemale, comprehensiveMale, third-party, fire and theftFemale, third-party, fire and theftExcess1APR% charged for paying by instalment
Allianz€333€315€314€309€250 (for both comprehensive and third-party, fire and theft)18.60%
Aviva€291€280€280€280€600 (comprehensive), Nil (third-party, fire and theft)720.1%
AXA€429€370€380€331€500 (comprehensive), Nil (third-party, fire and theft)17.09%
ChartisDirect€540€540€463€463€250 (for both comprehensive and third-party, fire and theft)Not applicable
FBD€396€333€294€248€200 (comprehensive), Nil (third-party, fire and theft)16.80%
Liberty Insurance€361€329€290€249€300 (for both comprehensive and third-party, fire and theft)19.66%
RSA Insurance Ireland Ltd2, 3€316€323€250€250€450 (for both comprehensive and third-party, fire and theft)23.2%
Zurich€366€378€330€340€250 (comprehensive) Nil (third-party, fire and theft)19.90%

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Profile - 5

I am a 54 year old secondary school teacher from Virginia, Co. Cavan. I drive a 2007 Toyota Avensis (4-door saloon Aura). I'm looking for cover for my 20 year old son, who is a student, and myself.

 

     Age:

54

     Occupation:

Secondary School Teacher

     Address:   

Virginia, Co. Cavan

     Car Type:

Toyota Avensis(4-door saloon Aura), Manual

     Value:                          

€9,000

     Year of registration:

2007

     Engine size:

1.6 litre 

     Use of car:

Social/Domestic

     No claims record:

10 years

     Licence:

20 years, full

     Penalty points:

None

     Annual mileage:

20,000

     Cover for:

Self and son* 

     Alarm:

Yes

     Garage at night:

No
*Son is 20 year old student who obtained his full licence less than one year ago.

 Male, comprehensiveFemale, comprehensiveMale, third-party, fire and theftFemale, third-party, fire and theftExcess1APR% charged for paying by instalment
AllianzNo quote4No quoteNo quoteNo quoteNot applicableNot applicable
Aviva€1,490€1,142€1,268€976€600 (comprehensive), Nil (third-party, fire and theft)20.1%
AXA€994€982€870€817€500 (comprehensive), Nil (third-party, fire and theft)17.09%
ChartisDirectNo quote8No quoteNo quoteNo quoteNot applicableNot applicable
FBD€1,140€1,056€857€812€200 (comprehensive), Nil (third-party, fire and theft)16.80%
Liberty Insurance€824€824€630€582€300 (for both comprehensive and third-party, fire and theft)19.66%
RSA Insurance Ireland Ltd2, 3€1,170€1,170€736€736€450 (for both comprehensive and third-party, fire and theft)23.2%
Zurich€1,514€1,374€1,363€1,237€250 (comprehensive) Nil (third-party, fire and theft)919.90%

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Profile - 6

I am a 54 year old secondary school teacher from Virginia, Co. Cavan. I drive a 2007 Toyota Avensis (4-door saloon Aura). I'm looking for cover for my 20 year old daughter, who is a student, and myself.

Age:

54

Occupation:

Secondary School Teacher

Address:

Virginia, Co. Cavan

Car Type:

Toyota Avensis (4-door saloon Aura), Manual

Value:

€9,000

Year of registration:

2007

Engine size:

1.6 litre

Use of car:

Social/Domestic

No claims record:

10 years

Licence:

20 years, full

Penalty points:

None

Annual mileage:

20,000

Cover for:

Self and daughter*

Alarm:

Yes

Garage at night:

No
*Daughter is 20 year old student who obtained her full licence less than one year ago.

 Male, comprehensiveFemale, comprehensiveMale, third-party, fire and theftFemale, third-party, fire and theftExcess1APR% charged for paying by instalment
AllianzNo quote4No quoteNo quoteNo quoteNot applicableNot applicable
Aviva€770€591€656€504€600 (comprehensive), Nil (third-party, fire and theft)20.1%
AXA€559€554€477€449€500 (comprehensive), Nil (third-party, fire and theft)17.09%
ChartisDirectNo quote8No quoteNo quoteNo quoteNot applicableNot applicable
FBD€980€896€697€652€200 (comprehensive), Nil (third-party, fire and theft)16.80%
Liberty Insurance€618€618€495€474€300 (for both comprehensive and third-party, fire and theft)19.66%
RSA Insurance Ireland Ltd2, 3€838€838€471€471€450 (for both comprehensive and third-party, fire and theft)23.2%
Zurich€1,055€958€908€825€250 (comprehensive) Nil (third-party, fire and theft)919.90%

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Profile - 7

I am a 31 year old civil servant from Thurles, Co. Tipperary. I drive a 2006 Kia Picanto (5-door hatchback LX). I am looking for cover for my spouse and myself.

Age:

31

Occupation:

Civil Servant

Address:

Thurles, Co. Tipperary

Car Type:

Kia Picanto (5-door hatchback LX), Manual

Value:

€3,600

Year of registration:

2006

Engine size:

1.0 litre

Use of car:

Social/Domestic

No claims record:

4 years

Licence:

4 years, full

Penalty points:

None

Annual mileage:

16,000

Cover for:

Self and spouse*

Alarm:

Yes

Garage at night:

No
* Spouse is 35 year old construction worker with a full licence for 8 years and a 8 years no claims bonus. Spouse is also insured as main driver on their own vehicle.

 Male, comprehensiveFemale, comprehensiveMale, third-party, fire and theftFemale, third-party, fire and theftExcess1APR% charged for paying by instalment
Allianz€503€465€503€373€250 (for both comprehensive and third-party, fire and theft)18.60%
Aviva€294€280€280€280€600 (comprehensive), Nil (third-party, fire and theft)20.1%
AXA€397€335€331€331€500 (comprehensive), Nil (third-party, fire and theft)17.09%
ChartisDirect€585€505€502€433€250 (for both comprehensive and third-party, fire and theft)Not applicable
FBD€396€348€287€251€200 (comprehensive), Nil (third-party, fire and theft)16.80%
Liberty Insurance€454€438€351€330€300 (for both comprehensive and third-party, fire and theft)19.66%
RSA Insurance Ireland Ltd2, 3€355€342€250€250€450 (for both comprehensive and third-party, fire and theft)23.2%
Zurich€448€384€403€346€250 (comprehensive), Nil (third-party, fire and theft)19.90%

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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.
2. 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.
3. All of these quotations are available through 123.ie. 123.ie are wholly owned by RSA Insurance Ireland Limited.
4. No quote as person seeking quote does not meet the firm's minimum acceptance criteria.
5. Option to pay interest free over 12 months for students
6. No quote as applicant is a full-time student.
7. The excess applicable to the comprehensive quote for the female driver is €300.
8. No quote as named driver is a full-time student
9. Where the claim relates to the named driver, the excess is €375 (comprehensive), nil (third-party, fire and theft).

Please note:

Please note:

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