Getting car insurance in Ireland does not need to be more difficult than getting it any other location in the world. The roadways in Ireland are great to travel; if you live there or are a tourist, you probably already know that the landscape is breathtaking. There are over 6 million people living in Ireland, and although not all of them drive, many own and have operated a vehicle. For this reason, it is important for them to know where they can get reliable, comprehensive car insurance coverage.
Ireland is a fairly popular business destination, and for this reason, there are many people that are starting to realize that it’s a good idea to make sure that they have some Ireland car insurance. People who travel and rent cars already know that they need to make sure that the car that they rented is safe and insured, because if it’s not, they may have to pay the consequences; which can result in paying fees. Driving uninsured is never recommended, so be sure to read below to find out what you can do in order to get some quality insurance while you are visiting or living in Ireland.
Local Car Insurance in Ireland
If you live in a densely populated city like Dublin (also: Belfast, Cork, Rosslare, Derry, Waterford), then you have many opportunities as far as car insurance is concerned. In less populated areas, the number of insurance providers may significantly drop, so you should make sure that you are shopping around. Although the internet is not the only place that you can compare rates of providers, it is one of the best; if I were a resident of Ireland in a small city, the first thing that I would do is look up some providers on the net. In nearly every country, there are going to be deals and advertisements that are going to give new car insurance customers low prices for their initial purchase of coverage. The concept of getting a good deal on your insurance is really not rocket science: it’s all about getting the best bang for your buck (or best coverage for lowest amount of money) – this is no different in Ireland.
Eligibility/Requirements for Most Car Insurance Ireland Quotes
You must be a resident of Ireland.
You cannot have any pending prosecutions.
Be free of convictions and accident claims.
Never having been refused or kicked off of an insurance policy by a provider.
Have good driving records without a history of tickets, violations, accidents, and other road troubles for the past 5 years or so.
No driving penalty points in excess of 4 within the past few years.
Pre-existing medical conditions like diabetes, heart disease, epilepsy, and other diseases may be somewhat limiting. It is best to give the insurer a phone call or schedule a meeting to discuss this condition.
Vehicle Requirements for Car Insurance in Ireland
You must be the registered owner of a vehicle in Ireland and the primary driver.
Your car must not be extremely expensive – exceeding 130,000 Euros and it must not be modified.
Many places will not provide insurance for sports cars or old cars (e.g. older than 15 years). Be sure to read up on their pre-existing guidelines so that you are able to get the coverage that you need.
Some insurers may also require that you have several years of driving experience before they accept you as a customer; be sure to ask about this.
You need to have a car with “right hand drive” – meaning that the steering wheel is positioned on the right side of the car; contrary to “left hand drive” which is common in the United States.
Finally, you must have a valid driver’s license and you should be ready to get coverage.
Requirements Differ Among Insurance Companies
These requirements are not the same for every company, so don’t assume that they are. Be sure to call the companies that you are interested in and ask them questions about the aspects that you need to know more about. Additionally, there may be various aspects that were not listed here that are required from certain companies. Don’t feel bad if you get rejected by one company because you cannot meet their terms, just keep searching around for another company that will accept you, offer a meeting, or give you a quote.
Listed below are several reliable Ireland car insurance companies that are fairly well known and trusted. Ultimately, it is up to you to do your own research and find out which one suits your driving habits and lifestyle the best. Each company offers something a little bit different than the next as far as coverage is concerned. Don’t make the process of selecting a company more complicated than it needs to be. Just take the time to get in touch with a few companies that you know you would like to work with and take it from there.
Cheap Car Insurance Ireland Companies
Allainz Car Insurance
This company offers a wide variety of car insurance options for people that live in Ireland and are interested in staying insured. They not only have auto insurance, but they have other options like Pet Insurance, Home Insurance, Travelers Insurance, Boat Insurance, Horse Insurance, and the list goes on. You can check out their website or give them a call if you want to see how their rates compare to other companies.
The cool thing about this company is that they offer competitions to win prizes for their customers like an Apple iTouch. They also offer premier packages to individuals that want to get more than just car insurance. This means that they make convenient little plans for people that want to buy multiple types of insurance through them. People who buy 4 or more coverage policies are listed as premier clients and are offered quicker, more organized, and more efficient customer service. This is something to definitely consider if you are interested in purchasing multiple types of insurance while living in Ireland.
AXA Car Insurance
Another company that offers car insurance out in Ireland is AXA. This company has been trusted by many and is well established. They offer various types of insurance policies and have various features like “car breakdown assistance” as well as their own “windscreen repair” for customers that need it. It seems like this company has really taken proper initiative to satisfy their customers and provide quality service. Many companies, not only in Ireland, have attempted to shortchange customers by providing inadequate service; this is not one of them.
The customer service with AXA car insurance in Ireland has been exceptional. There are many documented cases of good service here and the great thing about getting your windshield glass or windows replaces is that it doesn’t affect the “No Claims Discount” that you may already have with them. They seem to take time to repair and replace any windshields, sunroofs, moonroofs, and other car scratches that you may encounter; they fix it and don’t have a problem helping you out as long as there was a legitimate reasoning for your requests.
What else is really nice about getting coverage through them is that anytime you have Allied Irish Windscreens or Autoglass Windscreens, your coverage will be maximized; meaning that you will get an unlimited cover and replacement when you need it. Probably the best feature that this company provides, though, is the AXA Ireland car insurance rescue team; they will come to your assistance if you need to be rescued on the side of the road because your car broke down or you are stranded. There are various reasons for why you may use this rescue service including: flat tires, running out of gas, losing your keys, getting locked out of your car, the keys broke in your lock, your vehicle was damaged, you were in an accident, and more. This company is one that you should look into for your Ireland car insurance needs.
Aviva Car Insurance
Aviva is another example of a trusted company that offers car insurance for those living in Ireland. The nice thing about this company is that they offer comprehensive car insurance policies for young drivers and are not afraid to work with first time drivers. Many companies these days in Europe will not work with first time drivers because of the risk that they carry. Anytime that you can find a company that will not only allow you to get insurance, but that will give you a deal on it; it would be smart to see if you can work with them.
In comparison to many Ireland auto insurance companies, they offer a great value for what you pay. They have several insurance discounters that are available to their customers, which can save you a lot of money. Some of the discounts that they offer include: a Low Mileage Discount – you can save money if you drive less than 10,000 miles per year and even more if you drive less than 5,000 per year; a No Penalty Points Discount – you save money (20%) for not getting any driving penalty points; No Claims Discount – the longer you go without any claims, the more you save – the company states that customers can save up to 50% with this discounter.
Not only that, but they have 24 hour breakdown assistance in both Ireland and throughout all of the United Kingdom, which helps make their customers feel comfortable and improves customer satisfaction ratings. This company is another that you should keep in mind if you want to get good car insurance Ireland coverage for yourself or for a family member.
More Car Insurance Companies in Ireland
There are certainly more companies than the three that were reviewed above that will provide adequate car insurance coverage for individuals that live in Ireland. You do not need to view this list as the end-all-be-all for insurance providers; there are many more and many of them may provide the services that you are looking for. You should take the time to search for yourself and figure out what you are looking for in a provider and assess what your needs are as a driver.
You should also keep in mind that many of the companies that offer car insurance to residents of Ireland do not provide travelers that are renting with coverage as well; some may provide both options, but it is up to you to look into their policies. People that are interested in renting cars in Ireland should keep in mind some basic information before they buy any insurance.
Car Rental Insurance in Ireland (General Information)
You will be subject to the rules and regulations of the country in which you rent your vehicle. So if you are renting your vehicle in Ireland, you will be subject to their terms and conditions for the entire time in which you are renting. It is important to also know that Ireland is fairly strict when it comes to buying insurance; many insurers will not take your credit card for their insurance policies.
Nearly all of the rental car insurance options will be somewhat comprehensive in nature. They include things like fire protection as well as third party liability coverage. Most people already are aware of the fact that collision coverage and theft coverage are also offered in policies for renters. The nice thing about being a renter is that you can purchase your insurance directly online through the company in which you are renting or a third party. Most of the time you will be required to buy through the company that is renting you their vehicle though – so be prepared for this.
Rental Car Restrictions
Nearly all of the rental car insurance companies in Ireland will provide coverage anywhere throughout Ireland and Northern Ireland for their customers. Some providers will even offer coverage policies that extend to other European countries; some will offer full coverage in the United Kingdom – do your research to find out what companies will give you what you need.
There may be slightly different restrictions for people who are involved in one-way car rentals, so make sure to speak with your insurance company representative if you have questions about them; it’s better to be safe than sorry.
Required Car Insurance in Ireland Policies
As a driver, it is mandatory to have both fire and third party liability insurance coverage – which is why they are included in nearly every policy that you will find. Third party coverage is basically coverage that allows people to get the money that they deserve in the event of injury as well as covers property damages that may be present in the event of an accident. In addition to there being mandatory requirements in insurance policies, there is also optional coverage plans that you can take a look at. Most optional purchases stand to upgrade your insurance from standard to more of a comprehensive car insurance policy; which you may want if you have an expensive vehicle.
Although there is a large railway network of passenger trains in Ireland, many people still drive their vehicles and rely on cars to get from point A to point B. It is always important to have a car insurance policy lined up and ready to go. No matter how safe you feel on the road, it is smart to keep yourself insured and stay covered. Below are a few tips for you to keep in mind as you travel the roads of Ireland.
Ireland Driving Guidelines (Mostly for Travelers)
People that are traveling in Ireland should know that gas stations are not always open 24 hours per day. Since they are not open around the clock, you should make sure that you are not in need of gas when it’s late at night or exceptionally early in the morning. Plan ahead and make sure that you fuel up during the day and you will not have much of a problem.
It is also a good idea to keep in mind that you may be required to pay tolls; so always have some spare change in your car ready to go. There are restricted parking zones in Ireland, so make sure that you do not accidentally park in them and get your car towed away. Most of the time it will be easy to figure out these zones; there will be a sign up or markings around the area.
Anyways, I hope that you found this article helpful and are better able to understand the way that car insurance in Ireland works. There are many people that are looking to get coverage, but not all companies are going to offer coverage. Hopefully this article was able to give you some advice to guide you in the right direction so that you stay safe on the road while either living or traveling through the great country of Ireland.