Car Insurance Ireland

Car insurance is a must have for anyone who drives a car in Ireland by law. Without the proper insurance, a person can be charged with a criminal offense where if caught you may be disqualified from driving, pay fines or get penalty points. To make sure that you are on the right side of the law, read on to find out some vital information about auto insurance, including; options available and how to get the best deals

 

Types of motor insurance

There are a three options available to people who are looking for the ideal insurance for their vehicles. The one you should pick is normally dependent on the value and age of the car as well as your circumstances. The different options are discussed below.

 

1. Third Party Cover


With this type of cover, only claims made by another person as a result of damage caused by your car are paid out. It is important to understand that there is a minimum legal requirement and pays out for the claims that other people make against you for personal injury, damage to their car, or damage to their property. You are not allowed to make a claim if your car has been damaged, stolen, there is any loss, or even items have been damaged in your vehicle.

 

2. Third Party, Fire and Theft Cover


This type of cover is more costly than the third-party option because it allows you to claim for damage or loss to your car as a result of theft or fire. However, it does not permit claims for accidental damage to your car. Other people can also claim if your car causes personal injury, damage to their property, and damage to their vehicle.

 

3. Comprehensive insurance


The comprehensive insurance is considered to be all-inclusive in that it will give you third party fire & theft cover, and you can also claim for damages to your vehicle regardless of who was at fault. There are numerous perks this cover gives users and should you opt to work with it, you must read all the details of the policy as they vary between insurance companies. Some of the benefits you can enjoy with the cover are: 
• Glass and windscreen cover 
• Cover for stolen or damaged personal belongings- this normally applies to items that have been stolen from the glove department or a boot that has been locked. The amount an individual can claim depends on the insurer’s policy. 
• Emergency breakdown assistance and recovery service. 
• Driving other people’s vehicles- this will cover damage that is caused to another person or car when you are driving a car that does not belong to you. However, it does not cover damage to the car that you have borrowed or injury to yourself. 
• Car hire or replacement- this is covered if you can’t drive your car because of an accident. 
Other perks that may be included are; named driver on a vehicle, no claims discount protection, open driving and driver personal accident cover. Rest assured that you are going to pay more for the comprehensive cover when compared to the other two options above. For this reason, it is important to conduct a thorough car insurance comparison to help you make an informed decision that will work out well for you.

 

Tips for getting cheap car Insurance

Once you have identified the type of insurance that suits your car best, it is vital to make sure that you get the best deals in town. This way, you will not pay money that you are not supposed to. Below are a few tips you can work with to help you save money when searching for auto insurance.

• Get the cover you need- getting comprehensive cover means that you will pay more than third-party fire & theft and third-party. Therefore, if your car is low in value or a little bit older, you need to consider whether the extra cover is worth the extra cash you will be paying. The most important factor is to make sure you get the right level of the car insurance.

• Honesty estimate the value of your car- Most vehicle owners either underestimate or overestimate the value of their car. Overestimating the value of the car implies that you will pay more for insurance. If you file for theft or fire claim, the insurer will only pay what their company considers as the market value of the car regardless of the amount that you have insured for the vehicle. Underestimating also makes it quite difficult if you need to replace the car.

• Get more years driving experience- most insurance companies will consider the number of years you have been driving and whether you have a provisional or full license to calculate the premiums. A person who has a provisional license may end up paying more; thus it helps to try and get the full license as soon as you can. You may also save some money if you have been driving for many years without causing accidents.

• Avoid penalty points and driving convictions- severe driving offenses like drunk driving or dangerous driving can raise your premiums, and there are some insurance companies that may refuse to offer you cover on this account. The number of penalty points you have gotten can also make you pay more. It helps always to adhere to good driving practices, do not drink and drive, never go beyond the speed limits, and know all the rules of the road, etc., to be on the safe side.

• Choose your car wisely- if you have a costly car, it will most likely come with a big engine which means that you will most likely pay more. You may also be forced to pay more if the model you are driving has numerous theft claims or if it has been imported.

• Do your homework thoroughly- there are some insurance companies that are in the business of exploiting their clients. To avoid being a victim, it is important to get car insurance quotes from different companies to get the one that has the best rates in the market and will benefit you the most.

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