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Overview

Finding Northern Ireland Car Insurance with CompareNI.com

On CompareNI.com we compare up to insurance providers quotes in one go, just by filling in one form.

Our online panel of insurance providers is growing fast and they could provide insurance for nearly every type of car imaginable. Even if you are searching for classic car insurance, quotes for your SUV, or a 4x4, CompareNI.com could compare prices. We can help find great deals for almost anyone including over 50s, young drivers, women and learner drivers for a wide range of vehicles.

CompareNI's simple one-two-three quote system makes it quick and easy - just tell us about 1. Car 2. Yourself 3. What type of cover you want, and we'll give you quotes in just a few minutes! Your quotes are saved and you should be able to retrieve them another time if you aren't quite ready to buy there and then.

FREE Car Insurance Quotes for Northern Ireland with CompareNI.com

Getting a car insurance quote from CompareNI.com is completely free, and the premiums that you see have should have no extra charges added on to them - we simply show you prices direct from the insurance providers, and then the choice is yours! You could compare the price and some policy details on the results page, and then you could choose to buy online from the insurer's website, or you can buy by phone instead, depending on the payment options that insurance provider offers.

CompareNI.com has been built with you, the Northern Ireland motorist, in mind, because we only show you insurers that WILL quote for NI drivers. So, if you are fed up with car insurance deals that 'exclude Northern Ireland' you have come to the right place!

We could help you find car insurance no matter where you live in Northern Ireland including places such as Belfast, Newry, Carrickfergus, Derry, Coleraine, Ballymena, Newtownards, Lisburn, Bangor, Craigavon, Castlereagh, Cookstown, Downpatrick, Limavady, Strabane, Enniskillen, Larne, Down, Holywood, Omagh, Fermanagh, Dungannon, Lurgan, Londonderry, Antrim, Armagh, Tyrone, Banbridge, Maghera, and everywhere else!

Car Insurance Guide

Some people may find it a challenge to look for cheap car insurance. However, it is usually a good idea for people to understand the options available to them before they shop around. If someone understands the type of car insurance that would best work for them, they may then be able to compare car insurance of that type. This could potentially bring them a better deal than they might otherwise have found.

Everyone who owns a car should have car insurance

This is a legal requirement. A second driver may be able to drive another person’s vehicle if they are covered under the insurance terms that individual has in place. However, everyone who has their own vehicle in Northern Ireland and the UK should have some form of car insurance NI in place to cover them for anything that may occur.

The different types of car insurance that may be chosen

There are different options available when it comes to choosing car insurance. An individual who owns a car may consider the cost of replacing that vehicle or repairing it, and how much it is worth. This usually helps assess the best type of policy for that person to buy.

Third party:

This is the basic form of car insurance Northern Ireland residents may get. It usually covers the driver for any damage their car does to another vehicle if they are found to be at fault for causing an accident. It wouldn’t tend to cover the damage done to their own car, however.

Third party, fire and theft:

As the name suggests, this form of insurance provides cover for third party damage, but it also could provide cover for incidents of theft and fire damage. Thus if the car was stolen or set fire to, the car owner may receive a payout in accordance with the terms of the policy.

Fully comprehensive:

This may be a smart choice for someone who owns a brand new or expensive car that could cost a significant amount to repair after an accident or if it were stolen. The key aspect people may remember about this policy is that even if they were at fault for causing an accident, their insurance could cover the damage done to any other vehicle, as well as providing a payout for their own.

Shopping around to look for a good deal

There are many insurers on the market today, and any one of them may offer just the right deal a particular person is looking for with regard to car insurance. It could work well to perform an online comparison, because it allows an individual to compare different deals and prices from a range of different providers.

It could also work well to compare the small print. No two insurance quotes are likely to be identical in terms, which means a person could get a better price simply by comparing the minor details. If they ever needed to claim on their policy, they may look back and be glad they did this.

Temporary car insurance

This may be a good choice if someone only has the need to use a particular car for a short period of time. This form of insurance could be taken out for between one and 28 days. This form of insurance could be used in situations where someone has an opportunity to borrow a vehicle, either from a family member or a friend. They may not be covered by that person’s insurance policy, which means they may need to source an appropriate policy to provide the cover they need.

Again, shopping around could open the way to find car insurance cheap deals instead of paying more than might be necessary.

Driving a car for business purposes

While some people are given business vehicles to use in the course of their work, others are self-employed. If someone has their own business and they intend to use their regular car to make business journeys, their car insurance might need to reflect that. If it doesn’t, the individual may find any accident they have while on a business-related journey could render their insurance invalid. This is why it is important to make sure the proper insurance cover is in place.

Even if a person only uses their car for the occasional business journey, it is worth noting that journey may not be covered in terms of any accident or damage that may occur. Thus the proper insurance may need to be sourced from a company that could provide the right cover for the right situation.

Reducing the cost of car insurance

Shopping around could be the best way to reduce costs associated with any type of car insurance policy. By comparing details and prices from a variety of companies, it may be easier for an individual to assess whether or not they could be saving money by going with one company instead of another.

By assessing the type of insurance needed and the specific insurance company they might go with, the opportunity may be there to save money on a regular car insurance policy. This may be true regardless of whether that individual is renewing a policy on an existing vehicle, or looking for a new policy for a new car they have just bought.

Either way, it is probably easy to see the importance of looking for the best insurance for any car, regardless of age or condition.

Car insurance Q&A

Where to get car insurance quotes?

Getting a car insurance quote is usually relatively straightforward. A person looking for car insurance cover could contact individual companies to get a quote and they could then take up the quote of the company they feel happiest with. It could also be possible to search for car insurance quotes online by using a comparison company that might give several quotes from different insurers all in one go. A person might receive a renewal quote from their existing insurance company if they have had a policy previously.

Where to check car insurance?

A person looking for a new policy could check for a quote with any NI insurer. They could also check that a quote is competitive by looking to compare car insurance from a range of providers. This way they could see easily that a policy is around the same price or they could check to see if a renewal quote could be beaten.

Where is car insurance cheap?

There isn’t typically any guarantee that a car insurance policy could be cheap. However, there could be ways of reducing the price paid for insurance by using online tools like a comparison to ensure the price is as cheap as it can be. Often using a comparison to search for a cheap car policy could be the best way and could also save time.

Where are car insurance rates the highest?

Some people might think that car insurance rates are higher in a particular place but the best way of finding out for sure could be to compare car insurance. This way a driver could be presented with a range of quotes which may vary in price. They could then decide which one best suits their needs. It might be that at renewal a person is quoted a much higher rate for car insurance, in which case it could be preferable to shop around.

Where is car insurance mandatory age?

Car insurance in Northern Ireland is typically mandatory in order to drive a vehicle on NI roads at any age above the legal age of driving, assuming that a valid driving license is in place.

Where car insurance goes down?

It is generally assumed that car insurance goes down for drivers over the age of 25 but there is actually no guarantee that this is the case. Often the best way to check is to contact insurance companies or carry out a comparison online in order to find out the best and cheapest quote.

Which car insurance is best for new drivers?

New drivers might struggle to find insurance that is cheap but shopping around may really help someone avoid the very highest priced policies by checking against a range of others based on their needs. Each quote for an individual is unique so therefore there isn’t usually a prescribed best place to go for insurance for new drivers.

Which car insurance to get?

Getting car insurance might be a very individual choice as a quote could vary depending on a person’s driving experience and circumstances. Doing research in advance of taking out a policy by comparing different quotes could be the best strategy for getting a good deal.

Who pays car insurance claims?

When valid insurance is in place then it is typical that the company that offers the cover pays out any claim on a policy. An individual could be liable if the insurance isn’t valid for some reason following investigations surrounding a claim.

Who pays car insurance excess?

In the event of a car insurance claim then it could vary as to who pays the excess. If a policy holder is at fault then they themselves will pay the excess on the policy. This is the fee payable prior to any pay out being made. If that person is not at fault they may still have to pay the excess but it could be recoverable by the insurance company from the person that is determined to be at fault.

Who does car insurance cover?

Car insurance tends to be a legal requirement and it may cover the named parties on the policy. This could be the owner of the vehicle and anyone else they cite as a named driver on the policy. A policy might also cover people involved in an accident depending on the level of cover taken out and the nature of their injuries as well as the circumstances surrounding an accident.

Who needs car insurance?

A person that wishes to drive a vehicle on roads in Northern Ireland could usually require a car insurance policy in place.

What car insurance covers theft?

There tends to be different levels of cover for car insurance. In order to cover theft then a driver would usually need to opt for either comprehensive cover or third party fire and theft cover.

When does car insurance go up?

It really could depend on a person’s individual circumstances but having an accident or getting driving penalties could mean that a quote for car insurance could be higher than without those things in place.

When does car insurance start?

The date for car insurance starting is usually down to the individual driver. For a new policy they would typically set the date they wanted cover in place from. A policy usually runs for 12 months. If a person already has insurance in place then they could receive a renewal at the end of a policy that will tend to continue from the expiry of the previous cover.

Why car insurance premium increase?

A premium could increase if a person has an accident or if they receive driving penalties.

Why car insurance is important?

Car insurance could be described as important as it usually a legal requirement and also could offer valuable protection to vehicle owners and passengers.

How car insurance works UK

In the UK and NI then car insurance is usually mandatory by law. A policy could offer protection in the case of an accident, theft or damage and could pay out depending on who is decided to be at fault.

How car insurance companies make money

Car insurance companies tend to charge individuals a premium that relates to the costs of cover. They then usually work with other insurers to reach decisions in the event of an insurance claim.

Are car insurance brokers cheaper?

There are no guarantees that a car insurance broker is cheaper than going direct to an insurance company but it might be beneficial to compare car insurance in order to know for sure.

Are car insurance companies open on weekends?

It tends to depend on the individual company but typically a car insurance company could have weekend opening hours.

Are car insurance companies regulated?

Yes – by the Financial Ombudsman Service.

Are car insurance rates negotiable?

When a person is searching for car insurance they could negotiate on price ahead of taking out a particular policy.

Are car insurance premiums tax deductible?

If a car is used for personal use only then car insurance probably isn’t tax deductible. If used for business use as well then a proportion of the running costs associated with a business may be tax deductible.

Are car insurance premiums paid monthly?

Car insurance could be paid monthly or annually and this tends to be determined at the start of a policy. Monthly payments are likely to work out slightly more overall than if a person pays for a whole year up front.

Are car insurance quotes accurate?

In order to receive an accurate quote then providing as much information as possible up front could be important. Quotes are tailored to individual circumstances and if these aren’t accurate then the chances are the quote may not be either.

Are car insurance rates going up?

The cost of car insurance usually goes up in line with the cost of motoring. This could be added to depending on the impact of invalid claims on the overall insurance market.

*51% of consumers could save £200. We split the providers on our system into different categories. We then selected quotes from the high volume sales providers as well as quotes from other providers which returned a price. Based on UK insurance market share data made available by the ABI, by way of a weighted selection process, we selected the cheapest of either the high volume sales providers or other providers (“the cheapest selected quote”). We then compared the cheapest quote on our system against the cheapest selected quote. We then took the savings figure which 51% or over could have saved using that formula. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

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