Compare Car Insurance Ireland
Compare car insurance Ireland is an Irish motor insurance comparison website. Our aim is to help you find the most suitable car insurance policy at a competitive price. When searching for cheap quotes make sure that you are comparing like with like and you understand the criteria, as benefits can vary depending on the scheme. Individuals tend to stay with their current provider out of convenience, despite the fact that the Irish insurance market has become very competitive with some insurers now offering cheap premiums and discounts for online purchases.
We have outlined our top tips below to help you reduce your car insurance premium and a glossary of terms to ensure you understand what your policy will and will not cover. Premiums are based on a number of factors such as type of car, engine, mileage, age, location and diving history so it is important to read the terms and conditions carefully. Compare car insurance Ireland today for great deals!
Cheap Car Insurance
We have outlined cheap car insurance tips below, which will help you to find the best quotes. It is important to understand what to look out for when purchasing a motor insurance policy, this guide should point you in the right direction!
You may wish to consider downgrading your insurance from comprehensive to third party fire and theft if your car happens to be an old model with a low value. The premium gap between the two levels may be quiet small, but it might be worth comparing.
Some insurance providers offer discounts for using public transport to get to and from work rather than using your car. The insurer may request evidence; such as a tax saver commuter ticket or travel pass.
Car insurance excess
You may wish to increase the excess amount on your policy. This is the amount you contribute towards the costs of the claim. The excess limit will vary depending on the insurer.
Multi insurance discounts
Some insurance companies will offer discounts for purchasing home and motor insurance through the same provider. This discount can be as much as 10%.
You may wish to add your spouse or partner to your car insurance policy as this may reduce your premium.
Spouses own car
Another point to note, if you confirm that your spouse or partner has a car insured in their own name or have the use of a company car full-time, you may qualify for a discount.
If you have changed career recently this may make a huge difference to your quote. As some occupations are regarded as high risk, such as those the jobs that require you to spend a lot of time on the road compared to individuals with office jobs. This career change will also reduce your mileage considerably.
If you have the incorrect value on your car this may increase the cost of your premium. However it is also equally important not to undervalue the car, as you could run into issues in the event of a claim. Consider asking the insurance companies about thresholds as a €1k difference in value may put your car into another premium category.
Step back bonus
Step back bonus protects you in the event that you have to make a claim. You will not lose all of your “no claims bonus” you may just lose a year or two, however this may vary depending on the insurer’s criteria. If you do not wish to take this add-on this may reduce your premium. However most individuals add this benefit as it may save you hundreds in the event you need to submit a claim.
Build up your no-claims discount
You may be entitled to a discounted premium if you haven’t made a claim or a claim hasn’t been made against you over a number of years. Always check before switching to establish whether you will be able to carry over your full no-claims discount.
If your car does not have an alarm, consider getting an approved one fitted. Security features such as an alarm or an immobilizer can reduce your premium significantly.
You may be able to reduce your premium if you let the insurance company know that you will be parking the car in a secured garage. Most providers prefer this rather than the car being parked on the street or in your driveway.
Type of car
The more expensive your car and the bigger the engine, the higher the insurance quote. Compare insurance companies before you purchase a new car, so you can estimate the yearly premium.
Consider purchasing your policy online, car insurance providers may offer significant online deals.
The best way to reduce your motor insurance premium is to shop around. Ensure you are comparing like with like and always read the terms and conditions carefully. We hope you found our car insurance tips useful and informative.
Car Insurance Ireland
We have put together a list of Car Insurance FAQ’s and a glossary of terms to help you make a better judgment call when purchasing a new insurance policy.
How do I get a car insurance quotation?
Follow the online instructions and click the “Quote Me Now” tab. If you have any queries you can send the provider an email and they will be more than happy to answer your questions.
Will I be covered immediately?
If the application is approved and has been fully processed and the payment has been received, insurance can be arranged immediately.
Do I need to answer all questions on the online application?
Yes you must disclose all material facts. A material fact is any information likely to influence the insurer’s acceptance of your application, the calculation of your premium and the terms and conditions that apply to your policy. If you fail to disclose any such material fact the insurance company may cancel or invalidate your insurance policy.
When will I receive my insurance cert and disc?
You will receive your Insurance Certificate, Policy Schedule and Disc generally within 1 week of purchase, provided you have signed the proposal and forwarded on proof of your no claims discount.
How do I make a claim?
When you purchase a policy the claims number will be displayed on your documents. Alternatively you can contact the insurance provider directly and ask to be put through to their claims department.
What should I do if somebody wishes to claim from me?
Contact your insurance provider directly to go through the details.
Do I receive a replacement car in the event my car is damaged and is being repaired?
Insurer’s will generally offer a replacement car while your vehicle is being repaired, however this will depend on the insurance company. Always read the terms and conditions carefully to ensure you understand the criteria.
If I accidentally crash my car or it is a write off, how much do I receive?
Depending on the type of policy you will receive the current market value for your car less the excess amount.
What is car insurance excess?
In the event you need to make a claim, you will have to pay an excess amount towards the cost. This will be outlined in your policy, excess limits generally range from €100 to €500.
What is a no claim discount?
For every year that you do not submit a claim you will get a discount, generally up to 5 years.
Is there cover that will protect the no claims discount?
Yes cover is usually available, this benefit can be added to your policy for an extra premium.
What do I need to do if my car is stolen?
You need to contact both the insurance company and the Garda as soon as possible with details.
What is breakdown assistance?
This cover is generally available when your car breaks down or will not start. You will need to contact the insurance company, they will send out a mechanic to take a look at your vehicle. If they are unable to repair your car they will tow it to the nearest garage and help you to complete your journey. Always read the terms and conditions carefully, as criteria may vary from insurer to insurer.
Are lost keys covered?
This will depend on the type of policy you have. If your keys were stolen from your house by burglars most insurance companies will contribute towards the cost of replacing the locks on your car. Always read the terms and conditions carefully.
If my keys are in the ignition and my car is stolen am I covered?
No, if the keys were left unsecured or unattended there will be no cover.
Can I drive somebody else’s car?
This will depend on the level of cover you have in place.
What type of claims are excluded?
Wear and tear, loss in value, routine mechanical faults, punctures or tyre damage, parking fines, speeding fines, clamps and Garda fines are not covered.
What is window screen cover?
Windscreen cover is generally included automatically under Comprehensive policies and can usually be added for an additional premium to Third Party Fire and Theft policies. This benefit will cover damage or breakage to your windows. Remember to read your policy wording carefully.
What do I do if I am involved in an accident?
You will have to report the incident to the Garda immediately. Take a note of the other vehicles registration number. Remember to exchange names, address, car insurance policy number, driving license details and the names of any witness’s to the accident. If you have a smart phone or camera take pictures for your own records should the insurance company or Garda require them for the claim. Notify the insurance company as soon as possible and disclose all details of the accident. If you receive third party correspondence, all letters and notices must be sent directly to the insurance company. It is advised that you do not enter into talks or return correspondence until first talking to your insurance company.
Can I add someone to my policy?
Yes, but conditions and limits may apply. Call the car insurance provider directly to find out what details are required.
What if I am refused motor insurance?
If you are refused car insurance by 3 or more insurers you can contact the Declined Cases Committee of the Irish Insurance Federation. They will provide you with details in relation to your options.
Car Insurance Online
We have outlined some motor insurance definitions to help you when reviewing car insurance quotes online. There are 3 main types of car insurance policies. You will need to consider the type of policy that best suits you, this will depend on a number of factors such as value and age of the vehicle and the cover level required.
Third Party Insurance is the minimum legal requirement and will generally insure you for claims resulting from another party due to damage caused by your car. This includes damage to the third parties car, their property and personal injury. This level of insurance will not cover damage or theft to your car. If you are in an accident you will have to pay the damages and repairs sustained by your car yourself. This type of policy may suit you if the following circumstances apply as it may reduce the car insurance premium:
• Cars with a low market value.
• Young drivers under the age of 25.
• No driving or claims history.
• Living in a high risk area.
Third Party Fire & Theft Insurance will generally insure you for the above benefits plus damage to your vehicle for theft and fire.
And finally Comprehensive Insurance, this is the widest level of insurance available. Fully comprehensive cover may be worth your while if your car is valued at €2k or more. Comprehensive car insurance will vary depending on the insurance company but most will offer the following benefits:
• Breakdown assistance.
• Glass and window screen cover.
• Damage or theft to personal belongings – items stolen from a locked glove compartment or boot.
• Cover for driving other peoples cars once you have their permission and cover for a courtesy car in the event your car is being repaired by a garage or mechanic chosen by the insurance company.
Thank you for visiting our Car Insurance Comparison Website, we hope that you were able to find the best value cover at a competitive price. Safe driving!