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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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