Cheap Car Insurance Tips Ireland

Thank you for visiting our cheap car insurance tips Ireland page. We hope the suggestions outlined below saves you money on your annual insurance premium. Would you like to know how to get the cheapest car insurance deal and buy online? By simply adhering to the following important guidelines your premium may drop substantially!

Check out the amazing deals online!
Competition is fierce with all motor insurance providers fighting to win your business. There maybe extra deals that can be found online that are not offered elsewhere.

Do not always go for the first deal you find!
Make sure you examine all the best motor insurance packages on offer before you select the one that is just right for you. This way, you can ensure you are saving on unnecessary additional premium expenses that come with so many packages…leaving you more money in your pocket to spend on the ‘nicer’ things in life!

Never over value the car!
Never try to over insure your car, as you are simply wasting your money. For instance, in the case of a claim were your car has been written off, the insurance investigator will always base your claim purely upon the true value of your car at the time before the accident…NOT THE VALUATION YOU PLACED ON THE POLICY. The more you overvalue your car, the dearer the policy becomes and the more money you waste.

Try leaving your car at home!
If you commute to  your destination (work, shopping, college, etc) there are motor insurance providers who will discount your premiums…some by as much as up to ten percent. So try the bus, train or bicycle…and make sure you keep the receipts to prove you are using your vehicle less than before.

Decrease the amount that your insurance policy pays out!
If you purchase a motor insurance policy that does not cover the full loss, your premiums will be lower. However the higher the excess the lower the final payout!

Use the same insurance company for other insurable items!
You may save up to ten percent if you decide to insure more than just your car with the same insurer. By insuring your house or pet you may avail of annual policy savings.

Your job description!
Always let the insurance company know when you switch career or job to one that requires less mileage, as this may reduce your risk factor and hence your insurance premiums. So, not only will you be paying less for your petrol but you could knock as much as ten percent off your annual car insurance costs!

Never undervalue your car!
Never pretend that your car is worth less than it is, just to keep you premiums low. It is no harm to seek advice from the insurance company as they may direct you to a valuation segment that represents a true reflection of your car’s value, which could lower your overall premium.

No claims bonus protection!
By refusing what is called a “Step Back Bonus” addition to your policy, you may cut the overall cost of your annual insurance. If you opt out of adding the “No Claims Bonus” if you make a claim, you are likely to lose your annual bonuses and face a higher premium the following year.

Anti-theft device!
By adding a car alarm or immobilizer, your premium may reduce as these anti-theft devices will protect your car from loss due to theft.

Your address and where you park!
There are areas within cities, towns and villages that are considered riskier than others, similarly urban address can command higher premiums than rural locations. Of course, if you can park your car overnight in a secure garage this may reduce your premium costs.

The car model!
The fancier the vehicle, the steeper the motor insurance will be. Expensive cars, high performance cars and soft rooftop cars, for instance, can bump up your car insurance premium over the more modest car. Simply follow some or all of the above tips and you may save on your annual motor insurance.

Car Insurance FAQ
We have drawn up some popular, FAQ’s below, which we hope will be of assistance.

Making a claim?
Just ring the company your car is insured with and quote your insurance policy number…which you will find on your insurance documentation.

If someone else is claiming from you?
You should always contact your insurer immediately if there has been an incident involving a third party, and give them your version of events.

Temporary car replacement car?
Due to the competitive nature of the car insurance industry, this benefit often comes with many comprehensive car insurance policies, when your car is in the garage. However, it is typically standard practice for the insurer to request that you leave your car with one of their approved garages. Make sure you read your insurance policy benefits to ensure that this is part of your coverage.

What happens if my vehicle is written off?
The insurance assessor can only confirm if your car is a total write off…and if this is the case, your insurer will provide you with the actual market value of the car at that time, less the insurance excess (that part of your car’s value not initially covered by the policy).

How does my insurance excess affect my claim?
If you have chosen to lower the cost of your car insurance policy by accepting a high policy excess (the amount you must pay towards the claim), then obviously you will receive less from the insurance company…and vice versa!

No claims discount?
This is a discount you get on your premium if you do not make a claim on your car insurance. The maximum number of no claims years you can build up is typically five to six years.

Protecting your no claims discount?
By taking out a Step Back add on, you can continue to hold onto your no claims yearly credits after making a claim…depending on the terms of the Step Back cover. This addition, of course, increases the cost of your premium.

Stolen Car?
Your immediate priority is to phone the Gardai &  insurance company with all the details, and so cover yourself against any wrong doing your stolen car may be involved in…until its recovery.

What if my vehicle breaks down?
Some comprehensive policies come with free breakdown assistance, which means that if your vehicle breaks down, the insurer will call a qualified mechanic to try and get your car up and running as quickly as possible. If this is not possible, the mechanic will tow your car to a local garage and then assist you home. You need to check your policy to see if you are covered for breakdown assistance while the car is outside your house or just while on the road.

Losing your keys?
If you leave your keys in the car, which is then stolen, you will not be covered. As with all the above, the policy terms and conditions will describe the type of cover you have on your car keys and repair of locks.

Can I drive someone else’s car?
Some policies are more flexible than others when it comes to driving a partner/colleague’s car with permission. These details will be found in your policy’s terms and conditions/benefits.

What can I not claim for?
Depending on your policy, the more typical items not covered are depreciation of the vehicle’s value, annual wear & tear, fines for speeding and illegal parking and tyre/wheel damage.

Damage to my windscreen?
Most comprehensive insurance policies cover damage to a car’s windscreen, the insurer will either attempt to repair or simply replace the damaged windscreen. Upgrading your policy from the more basic third party, fire & theft option will improve your chances of obtaining this cover.

What to do when an accident occurs?
Never engage in a discussion about blame as this will be the job of the Gardai/insurance companies involved. Ring the Gardai immediately and then make a list of the following: the registration plate number, car insurance policy, driving license information (including the person’s name and address) of the other car/driver. You can also take relevant photographs with your phone as evidence. It is also imperative that you then inform your insurance company and describe all the particulars of the incident…and that you pass across to them any relevant correspondence you may get later relating to the accident.

Can someone refuse to offer me motor insurance?
Yes they can, however, if you are declined motor insurance by at least three insurance companies, contact the Irish Insurance Federation’s Declined Cases Committee, who will look into your case.

For move information on consumer rights relating to car insurance please visit Citizen Information. And finally for information on insurance fraud please visit Insurance Confidential. Tips relating to this motor insurance post are for information purposes only and should not be considered as financial advice.

Motor Breakdown Insurance
It is important to note that not all car insurance policies will cover you for breakdown assistance. It always seems to occur when you least expect it, your vehicle won’t start or it decides to come to an abrupt halt. Alternatively it might be a problem with a flat tyre or battery failure.

Depending on the type of breakdown assistance you choose, the insurer will cover you 24 hours a day, 7 days a week in the event that your vehicle breaks down in your driveway or out on the road, it may also cover you for travelling around Europe.

If your vehicle cannot be repaired on the roadside, the insurance provider will arrange for your car to be towed to the nearest garage for repair generally within a radius of 15 miles, although this will range depending on the insurer’s criteria. We have highlighted a list of vehicle breakdown benefits below, these benefits will vary depending on the type of policy you purchase.

• Nationwide recovery service
• Roadside assistance & towing
• Continuation of journey
• Overnight accommodation
• 24 hour Irish vehicle hire
• Emergency driver
• Alternative travel
• Home start assistance
• European breakdown cover
• Delivering replacement parts
• Loss of use of vehicle

Breakdown assistance will give you and your family piece of mind when travelling in Ireland, the UK or in Europe based on your chosen cover. No matter how well prepared, motor breakdowns will happen. So whether the policy is purchased for yourself, your children or an elderly relative, you can be sure that they will have 24 hour roadside assistance if they encounter any problems.

Other benefits generally include running out of diesel or petrol, locked keys inside car, flat tyre or battery failure. In the event your vehicle breaks down you will need to call the insurance company, they will take your details and send a qualified mechanic to repair the car generally within 45 minutes although this can vary depending on location. If you are planning on travelling outside of Ireland you may wish to consider a European motor breakdown policy.

Breakdown Assistance Ireland
We have put together a list of frequently asked questions for breakdown assistance in Ireland, to help you understand what is and what is not covered, so that you can make a more informed decision before purchasing your policy online.

What does a motor breakdown policy cover?
Breakdown cover is an insurance policy that offers 24 hour assistance and recovery to motorists in the event a vehicle has engine difficulties, a flat tyre or battery failure. Breakdown assistance may also cover vehicles that have broken down outside the home, anywhere in Ireland or Europe depending on the type of policy purchased.

What benefits are included in the policy?
The following benefits are generally covered, however we would recommend that you review your policy schedule and terms and conditions to confirm what is and what is not insured.

– If your vehicle is unable to start due to engine failure, flat tyre or a dead battery.
– One hour’s free roadside labour.
– If the vehicle can’t be repaired it will be towed to the nearest garage.
– Completion of your journey i.e. onward transport for you and your passengers home or to your intended destination. Terms and conditions will vary and limits may apply.
– Replacement vehicle while your car is being repaired, terms, conditions and limits may apply.
– Overnight accommodation generally for 1 night subject to maximum value, which will be outlined in your policy schedule.
– Home start in the event your car breaks down outside your house.
– European cover is an additional benefit and can be taken out if you plan to travel around Europe.

If my vehicle breaks down, when can I expect a mechanic to arrive?
The recovery response for national breakdown assistance is generally within 45 minutes, however this will depend on your location and may vary depending on the recovery team.

If I purchase a policy today, will my vehicle be covered immediately?
Insurers do not generally cover breakdowns within the first 72 hours of purchasing a new policy.

If a friend or relative is driving my car and it breaks down will they be covered?
Yes provided you have given them permission to drive your car, they will be covered.

What happens the policy if I purchase a new or second car?
The policy can be transferred to your new vehicle provided it meets the criteria outlined in the terms and conditions. Always notify the insurance company immediately when you replace your car.

What should I do if my car breaks down?

– Drive into the hard shoulder and put on your hazard lights.
– If you have a warning triangle in your car place it approx. 40 to 50 meters behind your vehicle, however this should not be used on a motorway.
– Call the emergency assistance number when you realise that your vehicle will not start.
– Lock the doors and wait for the mechanic to arrive. Thank you for reviewing our FAQ, we hope you found it useful and informative. We hope that you found our cheap car insurance tips Ireland blog informative.