Compare fully-comprehensive car insurance quotes for drivers in Northern Ireland
At CompareNI.com we’ve helped hundreds of thousands of motorists across Northern Ireland find cheaper NI car insurance quotes – and a significant number of those drivers have opted for a fully-comprehensive car insurance policy.
Not only does fully-comp car insurance provide more comprehensive coverage than third party or third party, fire and theft insurance, but in some cases it doesn’t cost much more than those less comprehensive policies.
That’s why it’s always a good idea to get quotes for fully comprehensive car insurance even if you were planning to take out third party or third party, fire and theft. You can then go with the insurance policy that offers the most comprehensive coverage at the most competitive price.
Fully-comprehensive car insurance in Northern Ireland – a straightforward guide
Is fully-comprehensive car insurance in Northern Ireland more expensive than third party?
It used to be, but that’s not always the case anymore.
If you’re a young driver in Northern Ireland you may be thinking of taking out third party car insurance in order to reduce your premiums, but it’s important to bear in mind that third party cover often isn’t any cheaper than fully-comp these days.
That’s because higher-risk drivers have traditionally opted for third party insurance, and some car insurance companies have begun to hike their premiums for that level of cover in order to offset the additional risk.
The end result is that comprehensive car insurance in Northern Ireland is often as cheap as third party cover now – and for some drivers fully-comp can even work out to be quite a bit cheaper.
What’s the benefit of opting for a comprehensive car insurance policy?
Fully comprehensive car insurance in Northern Ireland is the only type of policy that will cover the cost of damage to your own car if you’re involved in an accident that was your own fault.
It’s also the only level of cover that pays out for injuries the policyholder sustains during an accident, and if you’re ever involved in an accident with an uninsured driver then fully-comp insurance is the only level of cover that will pay out for damage to your own car.
Of course, fully-comp insurance will also cover against the types of things that are covered by less comprehensive insurance policies, such as the theft of your vehicle, fire damage or damage to a third party’s car.
Can motorists in Northern Ireland drive any car if they have fully-comprehensive insurance?
Most fully-comp NI car insurance policies used to offer policyholders third party cover to drive any other car, but a growing number of insurance companies no longer offer this “any car” policy feature as standard.
That’s why it’s critical that you check your policy documents before getting behind the wheel of someone else’s vehicle.
It’s also worth pointing out that most insurance providers have a minimum age limit on their “any car” policy feature, which means if you’re under the age of 25 you usually won’t be able to take advantage of it.
What happens if my car is written off and I have fully-comprehensive insurance?
If you’re involved in an accident that was your own fault and your insurance company determines that your car needs to be written off then they should cover the cost of replacing the vehicle – provided you have fully-comprehensive insurance.
The amount they’ll pay out for this will be based on the market value of your own car at the time of the accident, rather than the value of a new car of the same make and model.