Car Insurance Companies. Car Insurance Brokers. CAR INSURANCE WATCH IRELAND rates car insurance companies

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Car Insurance Companies

There are several car insurance companies operating in Ireland and all are vying, in a tough competitive market, to get consumers to purchase their products. The aim of this website is to help Irish consumers chose a car insurance product that will suit their individual need. From the list of links in the right side of this page you will see we have listed all the major car insurance companies available in the Irish market. We have published, first hand, information from consumers who have purchased products from these companies and quoted their comments for everyone to see. This, we hope, will empower other potential customers when it comes to choosing the correct product from a car insurance company. So please take time to read the comments contained on each insurance company page.

We will post the latest offers from these companies as and when they become available to the volunteers at CAR INSURANCE WATCH IRELAND.

Car Insurance Companies and the Law in Ireland

The Road Traffic Act, 1933 requires all drivers of mechanically propelled vehicles in public places to have at least third-party insurance, or to have obtained exemption – generally by depositing a (large) sum of money with the High Court as a guarantee against claims. In 1933 this figure was set at £15,000, The Road Traffic Act, 1961 (which is currently in force) repealed the 1933 act but replaced these sections with functionally identical sections.

From 1968, those making deposits require the consent of the Minister for Transport to do so, with the sum specified by the Minister.

Those not exempted from obtaining insurance must obtain a certificate of insurance from their insurance provider, and display a portion of this (an insurance disc) on their vehicles windscreen (if fitted). The certificate in full must be presented to a police station within ten days if requested by an officer. Proof of having insurance or an exemption must also be provided to pay for the motor tax.

Those injured or suffering property damage/loss due to uninsured drivers can claim against the Motor Insurance Bureau of Ireland's uninsured drivers fund, as can those injured (but not those suffering damage or loss) from hit and run offences.

What Car Insurance Companies cover in Excess Policies

An excess payment, also known as a deductible, is a fixed contribution that must be paid each time a car is repaired with the charges billed to an car insurance policy. Normally this payment is made directly to the accident repair "garage" when the owner collects the car. If one's car is declared to be a "write off" , then the insurance company will deduct the excess agreed on the policy from the settlement payment it makes to the owner.If the accident was the other driver's fault, and this fault is accepted by the third party's insurer, then the vehicle owner may be able to reclaim the excess payment from the other person's insurance company.

What Car Insurance Companies Cover

Motor insurance in Ireland normally covers some or all of the following items:

The insured party (medical payments)
The insured vehicle (physical damage)
Third parties (car and people, property damage and bodily injury)
Third party, fire and theft
In some jurisdictions coverage for injuries to persons riding in the insured vehicle is available without regard to fault in the auto accident (No Fault Auto Insurance)
The cost to rent a vehicle if yours is damaged.
The cost to tow your vehicle to a repair facility.

Different policies specify the circumstances under which each item is covered. For example, a vehicle can be insured against theft, fire damage, or accident damage independently.