Protect Your Car With
Fair Car Insurance

Third Party, Fire and Theft insurance offers mid-level cover that protects you against damage you cause to other vehicles or property, as well as fire damage to your own car and theft. It does not cover any accidental damage to your own vehicle or personal injury to you. This type of policy is often chosen by drivers who want more than the legal minimum but don’t need full comprehensive cover.

Comprehensive insurance provides the highest level of protection, including cover for accidental damage to your own vehicle, regardless of fault. It also includes everything offered under Third Party, Fire and Theft, and may extend to extras like windscreen repair, personal injury cover, and limited driving of other vehicles. It’s ideal for drivers seeking full peace of mind.

The best way to get cheaper car insurance in Ireland is to work on your no claims bonus – also known as a no claims discount. The concept behind the bonus is simple. It’s a reward for good driving habits as you prove you are less of a risk to the insurance company. The longer that you stay claim free on your insurance policy, the more that your provider will discount your insurance premium.

When you compare car insurance options, it’s important to factor in the insurer’s policy in regards to offering a no claims discount. Many insurers in Ireland offer Step Back Protection for example. Which means your no claims discount is not entirely lost if you make a claim, but instead the discount is stepped back. This can greatly affect the cost of your car insurance policy over time.

There are a number of ways that the kind of car you get will influence the cost of your insurance. As a general rule of thumb, a new car will have a lower premium than an older model, and the more safety features the better. There are other things to consider though. In Ireland, particularly high value cars may come with extra stipulations for security and will likely need to be covered under a non-standard insurance policy. This is also true of cars with modifications and certain imported cars (left hand drives)

If possible, when you’re trying to purchase a car, focus on smaller engines, newer models and prioritising safety features. All of these aspects together signal to your insurer that your policy is a lower risk than others and this will be reflected in the cost.

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