Northern Ireland Car Insurance
Comparing online quotes can provide residents of the Province with low-cost cover, so if you live in Northern Ireland and are looking for the best car insurance deal, our partners have put together a panel of insurers that are respected for their premium rates and consistency within the Northern Ireland insurance market.
It is often the case that many car insurers in the UK will only provide cover for vehicles registered in Great Britain, excluding permanent residents of Northern Ireland. This is due in part to the fact that the rate of claims in the Province has been historically higher and, on average, more expensive to settle which has driven premiums up in relation to those available to residents in the rest of the UK. This has been exacerbated by a restricted scope of competition, but the advent of online car quote comparison tools has meant there are now more insurance options open to those living in Northern Ireland, particularly drivers who are able and willing to take the measures necessary to help reduce risk, and therefore costs.
General guidance and advice for achieving a lower quote for car insurance in Northern Ireland would be the same as for drivers living in locations throughout the rest of the UK. Making sure that the security of your vehicle is as good as you can realistically afford is the first step to attracting a number of competitive quotes for comparison either online or through a broker, so if you can fit an alarm, immobiliser or tracker device to your car, or park it in a secure garage when not in use, your dilligence will be rewarded with cheaper rates of insurance.
Comparing quotes for car insurance is the most reliable method for saving money, but other ways you can help to reduce the cost of providing the right cover for a car in Northern Ireland include:
1. Always ensure you inform your insurance company of all the security features of your car, including safe garaging.
2. Don’t have any more additional drivers than absolutely necessary as they can add significantly to the final cost of your premium, particularly if they are young drivers. It may be cheaper to make them temporary additions to your policy if possible.
3. If your car replacement cost is below £3,500 for example, considering third party, fire and theft cover rather than fully comprehensive insurance will attract cheaper quotes.
4. Consider your level of voluntary excess and if you are willing to pay more in the event of a claim, you will normally be rewarded with a lower premium.
5. Provide an honest annual mileage - if you only drive around 5,000 miles per year it could lower your premium as many insurers take 12,000 miles a year to be the usual mileage of the average motorist.
