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First Ireland Risk Management
Britton Insurance

Why get car insurance?

Let's talk about car insurance

Who needs car insurance?

Plain and simple, if you own a car and want to drive it on the roads in Ireland, then you must have car insurance. Failure to have motor insurance in Ireland while driving is a serious offence, and if caught could result in fines, penalty points and even disqualification. Even if you don't drive your car and have it parked in a garage or driveway, you still need car insurance. This applies to all drivers and is a legal requirement.

Are you a car owner?

What type of car insurance do I need?

There are three main types of car insurance policy in Ireland: fully comprehensive, third party fire and theft, and third party. Fully comprehensive car insurance is the most common and offers the highest level of protection as it covers you and your car against all eventualities to include damage, repairs, fire and theft, aswell as damage to someone else, their car or property. Third party fire and theft car insurance covers your vehicle if stolen or damaged by fire. Third party car insurance is the minimum legal requirement, and covers injury to others, and damage to their property and vehicles - it is also often the most expensive.

How much does car insurance cost?

Motor insurance can be expensive but not as costly as being caught without insurance. The cost of car insurance can vary considerably depending on a number of factors to include: your age, if you are under 25 it typically costs a lot more; your driving experience, the more years you have generally the cheaper the premium; your location, if you live in an area which has a higher rate of theft and vandalism your policy will be more expensive; your annual mileage, the longer you spend on the road the greater the risk of accident; your level of no claims bonus; some jobs may be seen as being higher risk; and car make and model, generally a more expensive car means more expensive insurance. Also the excess you choose can have an impact on the cost, the higher the excess the cheaper the car insurance quotes.

What types of car can I cover?

Our partner car insurance brokers cover all cars makes and models, from all parts of Ireland. From classic cars, import cars, sports cars, electric cars and green cars, you can get cover for any vehicle. They also cover all makes, from Volkswagen VW, BMW, Audi, Vauxhall, Ford, and Nissans, our partners cover them all.

How can I get cheaper car insurance?

The first option is to build up a no claims bonus, avoid claiming on small repairs, and you should protect your no claims bonus as soon as possible. The cost will depend on the vehicle make and the engine size of your car, and it is best to aovid modifications. You should compare prices, get quotes online and avoid auto-renewing. Some insurers offer discount if you can add an experienced named driver to your policy.

Why Paddy Compare for car insurance in Ireland?

Finding car insurance in Ireland can be difficult, that's why at Paddy Compare we search the whole Irish car insurance market for you. We work with a full range of car insurance brokers. So whether you are a young driver looking for affordable car insurance quotes or an experienced motorist looking to better your renewal, Paddy Compare should be your first stop for buying cheap car insurance quotes online.

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What other types of car insurance add-ons are available?

Every policy is different and tailored to your individual dirving needs and circumstances, speak to our advisers today and get the right car insurance cover today.

Breakdown cover

You can cover against the costs of calling out a recovery vehicle or mechanic in the event of a breakdown on the roads.

Windscreen cover

A windscreen is easily cracked by a stone which can be kicked up from the road when driving behind a larger vehicle. Windscreen cover pays out for costs of repairing or replacing the window.

Key cover

Key replacement can be costly, particularly if you have a immobiliser. Key cover will pay the costs of key replacement should you misplace or lose your keys.

No claims discount cover

You can choose to protect your no claims bonus allowing you to make a number of claims in a year before it affects your premium.

Legal protection

This covers the costs of any legal expenses in the event of a claim or accident.

Business use

This type of add-on will cover you in the event of accident for business use and driving whilst at work.

  • How has coronavirus impacted car insurance?

    Most insurers appreciate that coronavirus has had a huge impact on people's lives, both physically and financially, and therefore have been trying their best to support their customers during this time. Policy features for essential workers and volunteers are no available. COVID-19 made more people stay and work from home, and therefore many were spending less time on the roads. The guidance also meant changes to vehicle testing and how you can learn to drive. Car insurance prices are generally on the rise, and you should always discuss your policy in full with your broker.

  • What does excess mean?

    Excess is the cost to you of making a claim on your policy - this is what you pay and then the insurer pays the rest. Offering to pay a higher excess will reduce the cost of your premium.

  • How much is car insurance in Ireland?

    The cost of car insurance in Ireland varies considerably and depends on a range of factors. The average premium could be around €600.

  • What do I need to get a quote?

    You will need to know the vehicle make and model, your driving experience and licence details, vehicle usage, details of any no claims bonus and your own contact detials to get a car insurance quote.

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