Affordable Insurance Starts Here
Our mission is to find you a comprehensive policy at a price that’s right for you. We recommend comparing like with like when reviewing online quotes. Ensure you understand the benefits and criteria, as cover may vary depending on the provider.
The insurance industry in Ireland is fiercely competitive; as a result, you can get a much better deal by shopping around. These are the main factors that will influence your premium: type of vehicle, engine size, location, driving history, age and annual mileage. Finding cheap car insurance in Ireland doesn’t have to be difficult. Our car insurance comparison service helps you compare trusted Irish insurers so you can find affordable cover that suits your budget.
How To Get Cheap Car Insurance
Review our cost cutting tips, we hope these suggestions will help you find the best deal. It is essential to know what to look for when buying cover. This guide will give you a better understanding of what you can do to reduce your premium. These tips can help you compare prices and secure cheap car insurance without compromising on cover.
Policy Downgrade
If your car is over ten years old, consider downgrading to Third Party Fire and Theft.
Insurance Excess
If you increase the excess limit, this may help to reduce the cost of your premium. The excess limit is the amount you pay towards the claim.
Add a Named Driver
Add your partner to the policy, as this may reduce your costs. Call us if you are in doubt, and we will be happy to help.
Car Value
Insure your vehicle for the correct amount, this may affect the cost of your annual premium. However, if you over or undervalue your car, this could cause issues if you need to make a claim.
No Claims Discount
The longer you remain claims free, the higher your chances of receiving a discount.
Car Alarm
Cars with an alarm may get a better deal. If your vehicle does not have one, we suggest getting one fitted.
Where You Park
Some car insurers may offer a discount if you park your car in a garage rather than on a public road. Review the options to see how much you can save.
Shop Around
The best way to reduce your premium is to shop around. It only takes a few minutes. You may be surprised at how much you can save.
Comprehensive & Third Party Cover Explained
You need to think about the cover that best suits you. Familiarising yourself with the various policies available in Ireland is advisable. The cost and benefits will depend on several factors, for example, the value of your car, the model, and engine size. There are three main types of policies: Third Party, Third Party Fire and Theft, and Fully Comprehensive.
Third Party
Third Party will generally cover claims against you by a third party due to damage caused by you. It covers damage to their vehicle and property, and personal injury. However, you must pay for your own vehicle’s costs and repairs. This type of policy may suit drivers if the following circumstances apply:
- Cars with a low market value
- Learners and young drivers
Third Party Fire and Theft
Third Party Fire and Theft will generally insure you for the above benefits, plus damage to your vehicle caused by fire and theft.
Fully Comprehensive
Comprehensive has the highest level of coverage. Benefit levels will vary depending on the insurer, but most will cover the above plus:
- Breakdown assistance
- Glass and windscreen damage
- Accidental damage to your car, third party cars, and property, plus fire and theft protection
- Driving someone else’s car
Frequently Asked Questions
How soon will I be insured to drive?
You are insured to drive when the underwriter approves the policy and you pay the premium. The insurer will send the documents in the post.
What is Policy Excess?
If you need to make a claim, you will have to pay an excess amount towards the cost; this is known as the excess. Details will be outlined in your documents; excess limits range from €250 to €1,000.
What is a No Claims Discount and how does Bonus Protection work?
This is a discount offered to policyholders for safe driving. For every year that you do not submit a claim, you will get a discount, generally up to 5 years.
No Claims Bonus Protection is a benefit you can add for an additional fee. This feature will protect your No Claims Discount in the event of a claim.
Are lost keys covered?
This benefit will depend on your level of protection. If lost keys are covered, it will be listed in the policy documents. However, if burglars steal the car keys from your home, most insurers will cover the cost of new car locks.
Can I drive somebody else’s car?
You are generally insured to drive someone else’s car if you have a Comprehensive policy. You can confirm these details with the insurer.
What is Windscreen Repair?
Windscreen Repair comes as standard on Comprehensive policies. You can add this to Third Party Fire and Theft for an additional fee.
Can I add someone to my policy?
Yes, but terms and limits may apply.
How do I make a claim?
The claims department’s contact number and details will be on your documents. Customer support will guide you through the claims process.
Do you insure Hybrid and Electric Vehicles?
Yes, we insure Hybrid and Electric Vehicles and can offer competitive rates.
What is Telematics and Black Box Technology?
Telematics and Black Box insurance uses a small device installed in your vehicle to monitor your driving behaviour, such as speed, acceleration and braking. The insurer analyses the data collected to personalise your premium based on your individual driving habits, which can lead to a reduction in costs for safe driving, especially for new or young drivers.
Do you service customers in all counties in Ireland?
Yes, we service all counties in Ireland, including Dublin, Cork, Galway, Limerick, and Waterford.
Thank you for visiting our comparison site. Call us today on 042 935 9090, we’ll be happy to help you find the right cover.