There are three different kinds of car insurances in Ireland:
- Third party
- Third party, fire and theft
Third party is the minimum on car insurance that is required in Ireland. It’s the cheapest one, too. However, it only covers injuries of your passengers and the driver and passengers of the other car. It also covers damages of the other party’s property. Damage done to your own car by the accident, by fire, or theft of your car are not covered.
Third party, fire and theft will cost you more but it will also cover your own car incl. damages by way of an accident, fire and theft. This one is the most common in car insurance in Ireland, especially for older cars.
Comprehensive is the most expensive but also the most comprehensive one of the three. It covers damages done to the other party (car and/or property), injuries, fire and theft of your car. It also covers if your personal belongings have been stolen out of your car and/or your property has been damaged. This type of insurance often covers windscreen and glass breakage. Some policys even pay for a rental car when your own car got damaged or stolen.
When getting a quote things to consider are e. g.:
- Driver: Age? Driving License for how long? What kind of license (Irish, EU, others)? Penalty points? No-claims bonus/discount: How many consecutive years without an accident?
- Additional drivers (named driver)? Age? Driving license? Points? No accidents?
- Usage of car: private only or also for traveling to work? Used as a business vehicle?
- Where is the car being parked over night: public road or private property?
- How high of an excess are you willing to pay?
This post is only a short description of what is important to get motor insurance in Ireland. More information can be found at:
- Citizens Information
- CCPC – Car Insurance (Consumer Help)