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Cost Comparisons

Motor insurance

This survey is correct as at April 2013. Please note, following a ruling by the European Court of Justice, insurance companies can no longer price your motor insurance based on your gender from 21st December 2012. 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 - 1a

I am a 50 year old accountant from Montenotte, Cork. I drive a 2009 Volvo S40 (Saloon 4-door). I have 2 penalty points on my license (for driving while using a mobile phone).

     Age:

50 

     Occupation:

Accountant

     Address:   

Montenotte, Cork

     Car Type:

Volvo S40 (4-door saloon), Manual

     Value:                          

€14,000

     Year of registration:

2009

     Engine size:

1.6 litre Petrol

     Use of car:

Social/Domestic

     No claims record:

10 years

     Licence:

15 years, full

     Penalty points:

2

     Annual mileage:

18,000

     Cover for:

Self 

     Alarm:

Yes

     Garage at night:

No
 Male, comprehensiveFemale, comprehensiveMale, third-party, fire and theftFemale, third-party, fire and theftExcess1Annualised equivalent % charged for paying by instalment2
AIG Europe Ltd.€298€298€294€294€250Not applicable
Allianz€374€374€351€351€25018.6%3
Aviva€464€464€324€324€300 (comprehensive), Nil (third-party, fire and theft)22.58%
AXA€393€393€358€358€500 (comprehensive), Nil (third-party, fire and theft)17.04%
FBD€334€334€242€242€200 (comprehensive), Nil (third-party, fire and theft)16.8%
Liberty Insurance€386€386€318€318€30019.66%
RSA Insurance Ireland Ltd4€345€345€269€269€45020.91%5
Zurich€403€403€360€360€250 (comprehensive), Nil (third-party, fire and theft)17.81%

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Profile - 1b

I am a 50 year old accountant from Montenotte, Cork. I drive a 2009 Volvo S40 (Saloon 4-door). I have 6 penalty points on my licence (speeding, no seatbelt, using a mobile phone).

     Age:

50 

     Occupation:

Accountant

     Address:   

Montenotte, Cork

     Car Type:

Volvo (S40 Saloon 4-door)

     Value:                          

€14,000

     Year of registration:

2009

     Engine size:

1.6 litre Petrol

     Use of car:

Social/Domestic

     No claims record:

10 years

     Licence:

15 years, full

     Penalty points:

     Annual mileage:

18,000

     Cover for:

Self

     Alarm:

Yes

     Garage at night:

No

 

 Male, comprehensiveFemale, comprehensiveMale, third-party, fire and theftFemale, third-party, fire and theftExcess1Annualised equivalent % charged for paying by instalment2
AIG Europe Ltd.No quote6No quoteNo quoteNo quoteNot applicableNot applicable
AllianzNo quote6No quoteNo quoteNo quoteNot applicableNot applicable
AvivaNo quote7No quoteNo quoteNo quoteNot applicableNot applicable
AXA€491€491€447€447€500 (comprehensive), Nil (third-party, fire and theft)17.04%
FBD€3348€334€242€242€200 (comprehensive), Nil (third-party, fire and theft)16.8%
Liberty Insurance€463€463€381€381€30019.66%
RSA Insurance Ireland Ltd4No quote6No quoteNo quoteNo quoteNot applicableNot applicable
ZurichNo quote9No quoteNo quoteNo quoteNot applicableNot applicable

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Profile - 2

I am a 20 year old student from Ballina, Co. Mayo. I drive a 2004 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 (Hatchback 5-door Stella), Manual

Value:

€3,000

Year of registration:

2004

Engine size:

1.2 litre Petrol

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 theftExcess1Annualised equivalent % charged for paying by instalment2
AIG Europe Ltd.No quote10No quoteNo quoteNo quoteNot applicableNot applicable
AllianzNo quote10No quoteNo quoteNo quoteNot applicableNot applicable
Aviva€1,59411€1,594€1,453€1,453€300 (comprehensive), Nil (third-party, fire and theft)22.58%
AXA€1,424€1,424€1,310€1,310€500 (comprehensive), Nil (third-party, fire and theft)17.04%
FBD€1,3628€1,362€954€954€350 (comprehensive), Nil (third-party, fire and theft)16.8%
Liberty Insurance€2,400€2,400€2,289€2,289€30019.66%
RSA Insurance Ireland Ltd4No quote10No quoteNo quoteNo quoteNot applicableNot applicable
ZurichNo quote 9No quoteNo quoteNo quoteNot applicableNot applicable

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Profile - 3

I am a 42 year old Sales Manager from Finglas, Dublin 11. I drive a 2010 BMW (3 Series 5-door).

Age:

42

Occupation:

Sales Manager

Address:

Finglas, Dublin 11

Car Type:

BMW (3 series 5-door) 

Value:

€22,500

Year of registration:

2010

Engine size:

2.0 litre Diesel

Use of car:

Social/Domestic

No claims record:

8 years

Licence:

24 years, full

Penalty points:

None

Annual mileage:

25,000

Cover for:

Self

Alarm:

Yes

Garage at night:

No

 

 Male, comprehensiveFemale, comprehensiveMale, third-party, fire and theftFemale, third-party, fire and theftExcess1Annualised equivalent % charged for paying by instalment2
AIG Europe Ltd.€519€519€446€446€250Not applicable
Allianz€595€595€559€559€25018.6%3
Aviva€741€741€509€509€300 (comprehensive), Nil (third-party, fire and theft)22.58%
AXA€466€466€434€434€500 (comprehensive), Nil (third-party, fire and theft)17.04%
FBD€511€511€408€408€200 (comprehensive), Nil (third-party, fire and theft)16.8%
Liberty Insurance€756€756No quote9No quote€30019.66%
RSA Insurance Ireland Ltd4€479€479€371€371€45020.91%5
Zurich€718€718€646€646€250 (comprehensive) Nil (third-party, fire and theft)17.81%

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Profile - 4

I am a 35 year old Warehouse Operative from Killybegs, Co. Donegal. I drive a 2006 Volkswagen Bora (Saloon 4-door).

 

     Age:

35 

     Occupation:

Warehouse Operative

     Address:   

Killybegs, Co. Donegal

     Car Type:

Volkswagen (Bora Saloon 4-door)

     Value:                          

€5,500

     Year of registration:

2006

     Engine size:

1.9 litre Diesel

     Use of car:

Social/Domestic

     No claims record:

4 years

     Licence:

15 years, full

     Penalty points:

None

     Annual mileage:

25,000

     Cover for:

Self

     Alarm:

Yes

     Garage at night:

No

 Male, comprehensiveFemale, comprehensiveMale, third-party, fire and theftFemale, third-party, fire and theftExcess1Annualised equivalent % charged for paying by instalment2
AIG Europe Ltd.€882€882€759€759€250Not applicable
Allianz€522€522€490€490€25018.6%3
Aviva€761€761€603€603€300 (comprehensive), Nil (third-party, fire and theft)22.58%
AXA€509€509€464€464€500 (comprehensive), Nil (third-party, fire and theft)17.04%
FBD€505€505€319€319€200 (comprehensive), Nil (third-party, fire and theft)16.8%
Liberty Insurance€484€484€422€422€30019.66%
RSA Insurance Ireland Ltd4€515€515€398€398€45020.91%5
Zurich€865€865€778€778€250 (comprehensive), Nil (third-party, fire and theft)17.81%

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Profile - 5

I am a 30 year old nurse from Killaloe, Co.Clare. I drive a 2009 Kia Rio (Hatchback 5-door).

Age:

30

Occupation:

Nurse

Address:

Killaloe, Co. Clare

Car Type:

Kia Rio (Hatchback 5-door)

Value:

€7,000

Year of registration:

2009

Engine size:

1.3 litre Petrol 

Use of car:

Social/Domestic

No claims record:

10 years

Licence:

15 years

Penalty points:

None

Annual mileage:

20,000

Cover for:

Self

Alarm:

Yes

Garage at night:

Yes 

 Male, comprehensiveFemale, comprehensiveMale, third-party, fire and theftFemale, third-party, fire and theftExcess1Annualised equivalent % charged for paying by instalment2
AIG Europe Ltd.€416€416€358€358€250Not applicable
Allianz€349€349€327€327€25018.6%3
Aviva€444€444€324€324€300 (comprehensive), Nil (third-party, fire and theft)22.58%
AXA€441€441€401€401€500 (comprehensive), Nil (third-party, fire and theft)17.04%
FBD€418€418€289€289€200 (comprehensive), Nil (third-party, fire and theft)16.8%
Liberty Insurance€336€336€303€303€30019.66%
RSA Insurance Ireland Ltd4€352€352€280€280€45020.91%5
Zurich€437€437€391€391€250 (comprehensive), Nil (third-party, fire and theft)17.81%

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Profile - 6

I am a 25 year old teacher from Callan, Co.Kilkenny. I drive a 2007 Toyota Yaris (Hatchback 5-door).

Age:

25 

Occupation:

Teacher

Address:

Callan, Co.Kilkenny

Car Type:

Toyota Yaris (Hatchback 5-door)

Value:

€6,000

Year of registration:

2007

Engine size:

1.0 litre Petrol

Use of car:

Social/Domestic

No claims record:

3 years

Licence:

3 years, full

Penalty points:

None

Annual mileage:

20,000

Cover for:

Self

Alarm:

Yes

Garage at night:

No

 Male, comprehensiveFemale, comprehensiveMale, third-party, fire and theftFemale, third-party, fire and theftExcess1Annualised equivalent % charged for paying by instalment2
AIG Europe Ltd.€1068€1068€919€919€250Not applicable
Allianz€598€598€562€562€25018.6%3
Aviva€443€443€344€344€300 (comprehensive), Nil (third-party, fire and theft)22.58%
AXA€583€583€505€505€500 (comprehensive), Nil (third-party, fire and theft)17.04%
FBD€450€450€324€324€200 (comprehensive), Nil (third-party, fire and theft)16.8%
Liberty Insurance€517€517€450€450€30019.66%
RSA Insurance Ireland Ltd4€745€745€574€574€45020.91%5
Zurich€650€650€585€585€250 (comprehensive), Nil (third-party, fire and theft)17.81%

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Profile - 7

I am a 47 year old physiotherapist from Trim, Co. Meath. I drive a 2009 Nissan Qashqai (+2 MPV).

Age:

47 

Occupation:

Physiotherapist

Address:

Trim, Co.Meath

Car Type:

Nissan Qashqai (+2 MPV)

Value:

€15,000

Year of registration:

2009

Engine size:

2.0 litre Diesel

Use of car:

Social/Domestic

No claims record:

19 years

Licence:

19 years, full

Penalty points:

None

Annual mileage:

20,000

Cover for:

Self

Alarm:

Yes

Garage at night:

No
 Male, comprehensiveFemale, comprehensiveMale, third-party, fire and theftFemale, third-party, fire and theftExcess1Annualised equivalent % charged for paying by instalment2
AIG Europe Ltd.€388€388€334€334€250Not applicable
Allianz€463€463€435€435€25018.6%3
Aviva€591€591€413€413€300 (comprehensive), Nil (third-party, fire and theft)22.58%
AXA€461€461€429€429€500 (comprehensive), Nil (third-party, fire and theft)17.04%
FBD€485€485€329€329€200 (comprehensive), Nil (third-party, fire and theft)16.8%
Liberty Insurance€371€371€299€299€30019.66%
RSA Insurance Ireland Ltd4€363€363€284€284€45020.91%5
Zurich€642€642€578€578€250 (comprehensive), Nil (third-party, fire and theft)17.81%

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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. This displays the charge applied by insurers for paying premiums by instalments as an annualised percentage for comparison purposes.
3. The figure above is equivalent to an 8% service charge expressed as an APR% for comparison purposes.
4. All of these quotations are available through 123.ie. 123.ie are wholly owned by RSA Insurance Ireland Limited.
5. This is equivalent to a service charge of 8.5% of the premium. Payment is by way of initial deposit and 8 monthly direct debit payments.
6. No quote due to the number of penalty points.
7. No new business quotation due to the current number of penalty points on proposer's driving licence.
8. Quote available through telephone channel only.
9. No quote as profile does not meet the firm's minimum acceptance criteria.
10. No quote as person seeking quote does not meet the firm's minimum acceptance criteria.
11. Must successfully complete the 1 hour Aviva Ignition Driving Assessment before cover is granted.

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.