Northern Ireland Car Insurance
Information for residents living in the province about getting the best quotes
If you are looking for Northern Ireland car insurance
our partners have put together a panel of companies that are respected
for their premium rates and their consistency in the Northern Ireland
insurance market.
You will find that many of the UK car insurance companies will only
provide cover for cars registered in Great Britain, excluding residents
of Northern Ireland. Historically, the rate of claims has been higher
and on average more expensive to fix which has driven premiums up in
relation to those on the mainland. This is exacerbated by the lack
of the wider competition that exists elsewhere in the UK. But if you
are willing to make your risk as low as practical you can still gain
some benefits in lowering your costs.
The general guidance in achieving a lower premium for your Northern
Ireland car insurance applies as in the rest of the UK, but in particular
make sure that the security of your vehicle is as good as you can practically
afford including alarms, immobilisers or trackers, and that where you
park overnight is as safe as possible, locked in a garage is preferable.
Some methods for helping to reduce your Northern Ireland car insurance
costs include:
Always ensure you inform your insurer of all the security features of
your car, it is all too easy to forget to enter an item that will save
you money. Don’t have any more additional drivers than absolutely
necessary, additional drivers, especially if they are young, can add
significantly to your premium, or if they are only around for small part
of the year consider adding them as temporary drivers. If your car
replacement cost is below say £3,500, you could consider taking
out third party fire and theft cover rather than fully comprehensive
insurance. Consider your level of voluntary excess, if you are willing
to pay more in the event of a claim, you will normally be rewarded
with a lower premium. Enter a true annual mileage, if you only do 5,000
miles per year it could lower your premium as many insurers assume
12.000.
Get a quote for Northern Ireland Car Insurance
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