Car insurance in Northern Ireland is very similar to that on the mainland.
Car insurance is usually more expensive in Northern Ireland . This is due to several factors.
One being, there are not that many uk insurance companies that will also provide cover for vehicles in Northern Ireland . The AA and Endsleigh are two examples of those that do, this lack of competition in turn contributes to higher premiums.
As with car insurance on the
mainland there are a range of different policies available in
Northern Ireland. The most basic policy that is required by law is known as ‘third party’ insurance that only provides cover for damage or injury to the third party’s person or property. The most popular level of cover is known as ‘comprehensive’ or ‘fully comprehensive’ that cover the policy holder in a wide spectrum of different situations.
Also available to many policy holders are what is known as no-claims discounts. These begin after the first year and increase annually to a ceiling of around 65-70%. Many people find it beneficial to take out added no-claims discount protection. This may restrict the maximum discount available but allows the driver up to two ‘at blame’ claims within a five year period without losing your no-claims discount. Also strongly worth considering is what’s known as legal expenses protection, or something similar, that will almost always be recommended by most insurers.
As with any motor car insurance the insurance company will use standard criteria to assemble the policy and level of premium. These include the individual’s age, experience, driving history, no-claims history, garage postcode and the vehicles exact details.
When considering any type of insurance it is vitally important that you take the time to research the subject properly and gather a wide selection of quotes before committing to any one policy.
(Republic of Ireland
Whilst an entirely separate country and strictly counted as being overseas the Republic of Irelands laws and regulations concerning motor car insurance do not differ very much at all from those in the United Kingdom.
The main difference in the Republic of Ireland is that the levels of compensation awarded and solicitors fees are often considerably higher than those in the uk , this being mirrored in the typically higher premiums.)
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