Is really MORE nonsense than a Standard Policy?

Contrast a Quote from with a Quote from

We were intrigued with the concept of building your own car insurance policy. Whether you really can get a cheaper car insurance quote by building your own, custom made car insurance policy. So we tried it.

Customer Details: Accountant working in Accountancy Practice, aged 37, full Irish license, 4 penalty points, full bonus driving a 2014 Toyota Yaris 1.0 Iona valued €10K, living in Louth and using the vehicle for social, pleasure & domestic as well as commuting to work.

No nonsense quotation for comprehensive cover including full bonus protection and a policy excess of €300 is €464.85. quotation for comprehensive cover including full bonus protection and a policy excess of €250 is only €390. Already €74 cheaper than the quote provided by No nonsense.

But the differences don’t stop there! Full bonus protection from means that you may have 1 unlimited claim during your year of insurance and your bonus remains intact. Full bonus protection from No nonsense means that you can have 1 claim with no more than €10,000 paid out in order to maintain your no claims bonus. This is a major difference between the two protected no claims bonus features. When people are injured in car accidents, the amount of the claim starts to accumulate very quickly. If you want to protect your no claims bonus, you need the protection offered by

No nonsense Build your own

We then tested the “Build your own” car insurance policy on the No nonsense website using the same details. The first thing we noticed that the cover automatically reduced down to TPO and featured a price of €307.40. The price is highlighted and is very low. However, this is only providing you with the absolute minimum cover to legally drive on the road. We clicked on the comprehensive button and the basic price increased to €399.76. So the price is already nearly €10 more expensive than the price offered by and this is before we add on the features that we may want. To add on step back no claims discount protection, add €33.69 or “full” protection (which we have already pointed out is inferior to that offered by add €63.18. To include driving other cars add €10.50, breakdown assistance adds €26.25 and to reduce your policy excess to €250 add another €9.24.



When we add all of the features to the basic No nonsense price, we end up with a premium of €508.93. Significantly more expensive than the price offered by and inferior full bonus protection cover offered by No nonsense.

Quotations done on June 12, 2014

Setanta Insurance Customers Please Read

We deeply regret the closing of Setanta Insurance and the impact that this is having on those customers of ours insured with the company.  We are also very sorry for the people who are employed by Setanta and whose job future is now uncertain, a sad time for them.

If you are one of our existing Setanta Insurance customers we are arranging cover with an alternate insurer on your behalf. We are ringing every customer who has provided us with a phone number – we need to speak to those who have yet to make contact with us to explain the cover options available.

Please phone us on 0818 22 44 33 to speak to us about your insurance, the sooner we place your business elsewhere and cancel your Setanta policy the sooner we can request a refund from Setanta for you.  It is uncertain the level of refund that Setanta will be able to pay; our sense is the sooner we cancel, the larger the amount that may be retrievable for you, but we cannot confirm at this time what refunds will be paid until we get further updates from Setanta.