Compare Car Insurance Ireland
Compare car insurance Ireland is an insurance comparison engine for Irish residents. Our mission is to find you the cheapest car insurance policy. We recommend that you compare like with like when reviewing online car insurance quotes. Ensure you understand the benefits and criteria of each policy as this may vary depending on the insurance provider. The insurance industry in Ireland is fiercely competitive as a result you may be able to get a much better deal by shopping around. We compare quotes from AXA, AIG, AVIVA, Allianz, Kennco, RSA & Wrightway to name just a few motor insurance providers.
We have drawn up a list of cheap car insurance tips below for you to review, which we hope will help reduce your insurance premium. Please also read our glossary of terms; this will give you a better understanding of how the policies differ and what is and what is not covered. Car insurance quotes are generally based on type of car, engine, location, driving history, age and annual mileage. Compare motor insurance prices today in Ireland for great deals!
Cheap Car Insurance
Review our cheap car insurance tips below. We hope that these will help you find the most competitive car insurance quote. It is essential to know what to look for when buying car insurance. This guide should give you a better understanding on ways that you can reduce your premium.
Policy downgrade – If your vehicle is older than 10 years you could look at downgrading your car insurance policy from comprehensive to a third party fire & theft policy. The amount you save may not be significant however it may be worth looking at.
Bus, Luas or train – You may be eligible to avail of a discount if you take alternative transport to and from work rather than using your car. In some circumstances the insurance provider may request evidence of a travel pass or tax saver commuter ticket.
Motor insurance excess limit – If you increase the excess limit on your car insurance policy this may help to reduce your premium. The excess limit is the amount you must pay towards the costs of the claim, this criteria may vary from insurer to insurer.
Multi cover discounts – You may get a discount of up to 10% if you purchase your car and home insurance through the same insurance company. Always read the terms and conditions carefully.
Add your spouse – You may wish to consider adding your partner, wife or husband to your motor policy as this may reduce the price of your premium.
Spouse’s vehicle – You may qualify for a discounted premium if your partner, husband or wife has a car insured in his or her own name or uses a company car.
Occupation – If you have recently changed your job or career to a role that involves less driving this may help reduce your insurance premium. Certain occupations are categorised as high risk, mainly those that involve a lot of annual mileage compared to a job working in an office.
Value of your vehicle – Ensure you cover your car for the correct value, as this will affect the cost of your annual premium. If you have over valued your car you may be paying too much alternatively if you have undervalued your car this may give rise to issues in the event you need to make a claim. As little as a €1,000 difference in the value of your motor may put you into a higher threshold category, if you are in doubt please give us a call and we will be delighted to help with your query.
Step back bonus – What is a step back bonus? “Step back bonus” is a benefit that you can add to your motor insurance policy that may allow you to retain a portion of your “no claims bonus” in the event you need to make a claim. Criteria may vary depending on the insurance companies terms and conditions. If you decide against this additional benefit it may reduce your car insurance premium. Although we would suggest you add the “step back bonus” to your policy as it may save you money on your premium should you need to make a claim in the future.
No claims discount – The higher the number of years your motor policy remains claims free the better chance you have of availing of a cheaper premium compared with someone that has made a number of claims over the past few years. If you are considering switching you insurance, ensure the new provider will accept your full no claim discount.
Car alarm – Vehicles with immobilizers and alarms may get a discount compared with those without. If your car does not have an alarm we would recommend getting one fitted by an approved garage.
Garage, driveway or public street – Some insurance providers may offer a discount on your premium if you park your vehicle in a secured garage rather than on a public street. Review the options to see how much you can save.
Type and model of car – If you are in the market for a new or used car we would suggest shopping around before purchasing as your insurance premium will be based on the size of the engine and price of the car.
Buy online – Consider buying online as some insurance providers may offer discounts for web based sales. Always read the terms and conditions carefully.
Shopping around – 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 recommend that you review our glossary of terms and our car insurance Ireland FAQ’s below. These FAQ’s should provide information, which will enable you to make a better and more informed decision before purchasing car insurance.
Can I get a quote for car insurance online?
Yes simply complete all sections on the online proposal form and select the tab “Quote Me”. Should you have any questions please phone and we will do our best to help.
How soon will I be insured to drive?
Provided the insurance proposal has been approved and payment has been made, cover can be put in place immediately.
How do I complete the online application form?
Please answer all questions and disclose material facts. Any information that may influence the insurance companies approval of your application is a material fact. This information will be used to calculate the car insurance premium. Please note your policy will be cancelled if you do not disclose all material facts and information.
When will the insurer send out my insurance Disc and Cert?
The insurance company will send out the policy schedule, insurance disc and cert within 7 working days of purchase. The insurer will require a signed proposal and confirmation 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?
Insurers 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, routine mechanical faults, loss in value, tyre damage or punctures, parking fines, clamps and Garda fines, speeding 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 Gardai 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 witnesses 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 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.
Motor Insurance Ireland
History of motor insurance in Ireland – Drivers in Ireland are required to have a car insurance policy. The mandatory requirement for individuals to hold motor insurance transitioned from horse drawn carriages to mechanical vehicles.
The Locomotive Act was introduced in 1865 outlining the laws relating to the use of mechanically propelled vehicles. The world’s first mass manufactured vehicle was the Model T, produced in 1908.In the late 1920’s over six thousand individuals were killed annually on roads in the UK due to car accidents.
Consequently, the following acts were introduced to ensure car insurance was universally adopted. These included:
Road Traffic Act 1930 (UK) – 3rd party insurance was made compulsory.
Road Traffic Act 1933 (Ireland) – legal liability for injury or death to 3rd parties in public places was made compulsory.
The Road Traffic Act 1961 is the principal legislation in Ireland applicable to motor vehicles. The minimum insurance required is unlimited indemnity in relation to death or injury to 3rd parties and 1 million Euro for damage or loss of 3rd party property. This was introduced by the 5th EU Directive.
The Road Traffic Act 1961 was updated and amended by the Road Traffic acts of 2002 and 2004. Section 56 of the Road Traffic Act made it mandatory for an individual to have insurance before driving a mechanically propelled vehicle in public places. The objective was to make sure that car accident victims would receive compensation if the driver was negligent.
Exemptions of the Road Traffic Act are outlined in Section 60, these include; vehicles driven by a state sponsored body, a board established by the Act of the Oireachtas or a company where a majority of the shares are owned by a state sponsored body or a board set up by the Act of the Oireachtas. In order for a car insurance policy to be approved it must meet the following requirements set out by the Road Traffic Act:
– The policy must insure all designated territories.
– It must be issued to the named driver.
– It must insure unlimited liability and cover up to 1 million Euro for loss or damage of 3rd party property.
However, the policy is not required to cover liability for the following:
– Front seat passengers in goods vehicles as per 1995.
– Front seat passengers other than in privately owned cars.
– Side car or pillion passengers on motor bikes as per 1998.
– Damage in or on the vehicle.
– Damage to property in the control of the insured driver.
The Road Traffic Act 1968 was responsible for the establishment of the Medical Bureau of Road Safety. This Bureau was set up to analyse urine and blood samples of drivers believed to be under the influence of alcohol.
The Road Traffic Act 2002 was the act which introduced the penalty point system in Ireland. This was established in order to improve driver behaviour and to reduce accidents and deaths. This is now one of the factors that insurance providers take into consideration before quoting a premium.
The Road Traffic Act 2010 introduced 4 new drink driving offenses which included reduced alcohol limits for drivers and compulsory breath testing. The Road Traffic Act 2011 requires the Gardai to conduct a breath test if they think a driver has consumed alcohol where an individual is injured at the scene of a car accident.
Motor insurance documentation – This section will briefly review vehicle insurance documentation and proposal forms. A proposal form will have various sections which you are required to complete before the insurance company will offer you a quote. These include;
– Driver details: such as name, address, DOB, occupation etc
– Driving history: years driving experience, previous claims, driving convictions etc
– Vehicle details; registration number, make and model of car, number of passenger seats, date of purchase, value of vehicle, type of fuel etc
– Other questions will relate to usage such as what the driver will be using the vehicle for i.e. work, leisure, commercial etc
– The customer will have to select the type of covered required, third party only; third party fire and theft, third party only, or comprehensive.
– Finally the customer will then have to complete a declaration to confirm that all details provided are correct.
Insurance policy summary – The minimum covered required by the Road Traffic Act (RTA) is unlimited liability for injury or death and up to 1 million Euro for 3rd party property damage.
– 3rd party liability only is the minimum amount of cover required by the RTA with increased property damage of up to 30 million Euro.
– 3rd party fire & theft, this policy covers third party liability as explained above in addition to fire, lighting & explosion damage and theft of vehicle.
– Comprehensive, this policy covers 3rd party fire & theft plus accidental damage, personal accident and loss of personal items.
• The insurer generally pays for damage or loss of the vehicle by means of repair, replacement or cash.
• ‘Right of vehicle recovery’ – this is the right the insurance company reserves to recover the amount from the insured if the insurer has to pay a claim because of the RTA which would not normally be covered by the policy.
• Driving other vehicles – this cover permits the policy holder to drive other cars owned by other individuals, however this cover will be restricted to third party only.
Motor insurance policy conditions – Car insurance will contain certain conditions relating to the cover, see below for a summary of the typical conditions you would expect to see on a motor insurance policy.
• The policy will generally have a main glossary of terms and list of definitions. This section will outline the criteria relating to excess limits, territories, market value, certificate of insurance etc
• A general conditions section should contain information regarding what the policy covers and what do in the event there is a change to your personal information, such as a change of address, employment, car or other important information.
• There will also be a section for exclusions on the policy document, this sets out a list of items that are not covered. These exemptions may include; if the vehicle is being used for activities not shown in the certificate, if you are driving despite being disqualified, if the car is used to tow a caravan or trailer without adequate cover etc
• The next section will outline the conditions for loss or damage, what the insurer will pay for and what is involved if there is loss or damage to the vehicle.
• Finally, the policy will outline the limited liability conditions to third parties, this will relate to cover for you, driving your own car, cover for driving other cars, etc
Car insurance rating – Annual car insurance premiums are based on the following criteria, age and experience of the driver, type and usage of vehicle, claims history and category of cover required to name just a few.
Gender is no longer a rating factor from December 2012, due to a ruling by the European Court of Justice. Although men may still face more expensive premiums due to certain male dominated professions and those driving high performance cars.
Discounts and premium loading – Some of the factors which may contribute to a higher or lower premium is age. For example, older drivers tend to be safer road users than young drivers. A no claims discount or bonus is allocated to drivers with no previous claims history, which may result in a discount of their insurance policy.
Commercial vehicles – For those looking to insure a commercial vehicle such as a van or a truck, they will be asked the following on their proposal form.
– The main usage of the vehicle,
– Type and carriage of goods i.e. will they be flammable, explosive etc
– Number of seats or passengers for buses or coaches etc
– In the case of a small van, will it be used for private or commercial use. Some restrictions on a small van may include cover for social, domestic and pleasure and passenger lability for fixed seat usage.
Motor cyclists & motorbike insurance – Motor cyclists can take out similar cover to vehicle insurance, however this will exclude comprehensive cover. Howerver please note if the driver is using the motorbike for commercial business such as fast food delivery or courier, they will need a commercial insurance policy.
Car Insurance Quotes
Thank you for visiting our website, we compare cheap car insurance quotes so you don’t have to. In the first section of the motor insurance proposal form, please complete your first name, surname, email, phone, date of birth, gender, residency date, occupation, employers business, employment status and address.
In the second section please complete all details relating to your existing motor insurance, policy start date, years licence held, current insurer, penalty points, licence type, licence number and no claims bonus information.
Thirdly complete all sections relating to your vehicle, registration number, value, mileage, alarm, county of use and town of use. If you would like to add an additional driver or vehicle please input details on the form. Finally select the tab Quote Me Now and we will search the market for affordable car insurance based on your criteria.
Car insurance quotes and policies are provided by O’Callaghan Insurances. Automated decision making; if in the event that you would like a decision reviewed please phone the above number to discuss. 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. Drive safely!