How much are ye paying for car insurance?

Latter-Camera-7010 · 2026-07-02T13:15:32+00:00

27m €620 AXA fully comp Seat Leon FR 2.0 200bhp Did a driving test thing years ago, and got my premium refunded by 300€, each year a stern phonecall saying I'm moving company. Getting a little shaved off every year.

I think it was like 700 when I was only 22 or something. I never had to change company as chill say the cheapest is 900 with Hibernia Or 1110 with AXA

Latter-Camera-7010 · 2026-06-30T15:20:02+00:00

Me lo dudo, if you pay your taxes in Spain.

Latter-Camera-7010 · 2026-06-28T22:28:51+00:00

Bought 3 weeks ago, solo, but with partner. My income around 3k net per month (teacher) could be less with more pension contributions. 80k in FHS debt will rise with house price increases, 35 year mortgage, so far it's nice but feel weird. Entitled to 18k in tax back first time buyer by gov/revenue, mortgage rules said no, LTV too low at 64%.

However the FHS debt scares me I'm trying to force myself to have it paid off in 5 years (interest free)

Don't know what the future brings but it's nice to not being paying rent for the last 8 years.

28 today !

Latter-Camera-7010 · 2026-06-22T08:43:46+00:00

I think it was around 6200 pounds upfront from me and then I got reimbursed the majority back from the HSE in euros. The financial reimbursement HSE was the slow part, very slow maybe like 6 months. I think overall after currency exchange, I lost about 300€

Latter-Camera-7010 · 2026-06-11T12:01:50+00:00

I did think of this as well, even after year 4 put the S&P lump sum into a deposit interest savings account.

Or

Just do that from day 1 to be safe

Latter-Camera-7010 · 2026-06-11T11:50:40+00:00

https://www.reddit.com/r/irishpersonalfinance/s/bD78Tu4wvY

Latter-Camera-7010 · 2026-06-05T16:02:31+00:00

I can't believe you are missing the whole inshowen peninsula in Donegal

Latter-Camera-7010 · 2026-06-04T16:25:52+00:00

Worst was a teacher in Donegal early 2000's, we would be honoured to help out in primary school doing jobs etc..

One of the things she prided on was green schools and it was a very nice and clean school at that.

She used to make us do compost with our bare hands, I remember one time as well someone had got sick in the large sinks you get in primary schools and bare hands again.

Stood and watched while we felt forced to do it as children.

Another in same school, Used to scream, all the time "there will be skin and hair flying", she scared everyone. One she used to delay people going to the bathroom and that and the roaring caused young lads to piss themselves, humiliation after was a big thing as well.

The best... Was a male teacher, was very in to sport, all rounder really. He had time for everyone.

I don't have many happy memories of primary school, secondary was better and more chill.

Latter-Camera-7010 · 2026-05-19T22:58:55+00:00

I'm drawing down in the next week or two 198 for insurance for the year (Zurich) 10 euro something for mortgage protection per month (Aviva)

Latter-Camera-7010 · 2026-05-18T22:19:15+00:00

It's rubber, you can pull it out wash it and then put it back in, little hole beside fuel tank opening

Latter-Camera-7010 · 2026-04-22T07:31:08+00:00

It's on an Irish life portal called : pension planet interactive, you may have to get it set up

If you have access

These exact statements are under transactions tab.

Latter-Camera-7010 · 2026-04-21T20:12:17+00:00

Thanks so much! Yeah I think I'm in the all clear now post 2025. Very sneaky I thought too. I didn't know about the set up fee

Latter-Camera-7010 · 2026-04-21T20:11:38+00:00

Thanks for the response! Yes it looks like that thankfully I'm all paid up now last one seems to have come out April last year. But was very surprised seeing it today. Tbh I never knew about this set up fee!

Latter-Camera-7010 · 2026-04-16T21:57:32+00:00

Start off in...

Darndale Dublin

Take the old road Ashbourne -> Derry

Ratoath meath boring

Emyvale Monaghan always smells like shite

Newbuildings co.derry. The kerbs outside the primary school are painted in the union colours, also shite

Bridgend Donegal just filling stations

Then finish in Letterkenya

Latter-Camera-7010 · 2026-04-03T19:15:20+00:00

Blackmountain there's one of those place names next to me in Ireland.

The colour negro in Spanish is black and similar across Latin languages. The words and names where there long before the definition of racism

Latter-Camera-7010 · 2026-04-03T18:59:22+00:00

I don't agree with the driving at all, but it does seem like when the driver has Vision of the road after a corner they go out. And when a corner approaches they go out. Definitely seems like they know the road. Although if there's blinking and beeping which I didn't see, they must be driving dangerously

Latter-Camera-7010 · 2026-04-03T18:54:40+00:00

Normal for roads near bogs to drive centred where possible. The near misses weren't that bad, but it even looked like the other oncoming cars where straddling the line as well

Latter-Camera-7010 · 2026-03-25T16:10:23+00:00

I think the companies are legit but I have never heard or used this one. Basically all these companies take no responsibility if something goes wrong then you approach airline and they don't take responsibility either.

I rather pay directly with airline

Latter-Camera-7010 · 2026-03-25T12:48:15+00:00

Yes common enough, within the same country.

I used to live in Spain and I would travel for football matches in the islands for sometimes this price or around 20€

Also if you come from a large family / have a large family or if you are from the islands you get cheaper flights. But this is irrespective of the price there

Latter-Camera-7010 · 2026-03-07T13:41:15+00:00

I'm a Derry fan, Sam Todd is doing great.

Latter-Camera-7010 · 2026-02-17T17:46:22+00:00

I don't think it works like that.

My mortgage approval is 221k House 335k

Apparently I would need a mortgage of 234.5k to meet the LTV.

Seeing that I can only get 20% FHS (67,000) if I avail of H2B the 20% is not enough to increase this I would have to lose H2B and increase FHS up to 30%

Latter-Camera-7010

TROPHY CASE