What is car insurance?
A car insurance policy protects you as a car owner or driver against liability in the event of a road accident that causes injury to a third party or damage to their property. Some policies also cover damage to the motorist’s own vehicle.
Once you have purchased a car insurance policy, you’ll receive an insurance disc and certificate. Your disc must be visible and on display in your car.
Third-party car insurance cover is compulsory in Ireland.
How car insurance works?
In Ireland, there are 3 types of motor insurance available; Third-Party Insurance, Third-Party Fire & Theft and Comprehensive Insurance. Your premium is a monthly or annual payment that keeps your policy active. Driving with an inactive policy or with no insurance at all can result in a fine, penalty points, and in some cases, imprisonment.
Car Insurers tend to offer lower or higher premiums for certain drivers. If you fit into one of these categories, we’ll be able to find a suitable fit. Some factors can affect your premium such as your age or in the event that you have penalty points, which can be viewed in our FAQ section below.
Car Insurance Policy Options
- The minimum level of cover required by Irish law
- Covers injury to a third party, their property and any legal liabilities
- Limits apply
Third Party Fire & Theft
- Covers fire and theft damage caused to your car
- Plus cover as detailed under Third Party
- Limits apply
- Covers accidental damage and damage caused by vandalism to your car
- Plus cover as detailed under Third Party Fire & Theft
- Limits apply
Car Insurance FAQs
The right car insurance for you depends on your needs. In Ireland, you’ll need Third Party insurance as a minimum requirement to drive. If you want your insurance to cover other eventualities, such as fire, theft, or damage to your own car, then you need Third Party Fire and Theft cover or Comprehensive cover.
Each insurance provider will have different policies for cancelling your car insurance. You should refer to the insurance information pack you received when you took out your insurance.
Your car insurance premium can go up for a number of different reasons. This could be due to a change in circumstances; making a claim; the age of your car; insuring a different vehicle, for instance.
However, it could also be caused by overall motor insurance market factors – such as an overall deterioration in the claims environment or claims experience. At Campion Insurance, we “rebroke” every renewal policy to ensure you are getting the best value available.
When you take out a policy with Campion Insurance, we look to make sure that each year that you renew with us you are getting the best value car insurance. This means that when your renewal premium comes to us from the insurance provider, we compare that premium with the market to make sure it is the best price for you.
Comprehensive car insurance is the highest level of car insurance you can get. It will cover both Third Party injury or damage to Third Party property as well as fire, theft and damage to your vehicle as a result of an accident. Find out more in our article on Comprehensive car insurance.
If your car is beyond repair, then the insurance company takes ownership of the car. They will then give you the market value of the car before the accident, minus your policy excess.
If you have driven for a number of years without having an accident or making an insurance claim, you’ll get a no claims bonus. The longer the no claims period, the bigger the discount applied to your policy. Most insurers cap the discount at nine years.
This insurance policy will cover any injury to another person and damage to their property after an accident. It will also cover your car if it is stolen or damaged in a fire. However, it doesn’t cover the cost of injury to you or damage to your car after an accident.
Some insurers offer a discount if you insure multiple vehicles with the same insurance company. We’ll source the insurer that will best suit your needs in this instance.
This varies between insurance companies, but it is usually between three and five years.
The price of your car insurance will vary depending on various rating factors such as age, location, driving history, the car you are insuring and the type of cover you’re looking for. At Campion Insurance, we will help you find the best value car insurance that suits your needs.
It’s impossible to give an exact figure as each case is different. The amount your car insurance will increase after a claim will depend on the type of insurance you have and the severity of the accident that led to the claim.
It can be more challenging to find affordable car insurance quotes with points on your license. However, that won’t stop Campion Insurance from finding you the best value possible to help you get back on the road in no time.
It can be more challenging to find affordable car insurance quotes with points on your licence. However, that won’t stop Campion Insurance from finding you the best value possible to help you get back on the road in no time.
Car insurance brokers, such as Campion Insurance, will research the insurance market and compare car insurance quotes on your behalf to find the best possible option that meets your requirements. We act as an intermediary between the Insurer and you.
Car Insurance for people aged 17-24 is usually more expensive. At Campion Insurance, we search for the best value car insurance quotes for young drivers, helping you to get on the road.
Why Choose Campion for your Car Insurance?
35+ years experience
12 offices throughout the country
Winner of the Deloitte Best Managed Companies for over 10 years
High customer retention rates
We review 15 Insurers and more than 20 products to find the perfect cover
Campion Insurance has the knowledge, expertise and commitment to finding you the best car insurance quotes possible. Our customers are at the heart of everything we do at Campion. We always aim to deliver a personal level of service while utilising our car industry knowledge and expertise, so you know you’re getting the best deal.
Incidents and accidents on the road can be out of your control. What you can control is having the best car insurance on the market so you feel covered on your daily commute or out with friends on the weekend.Get a Car Insurance Quote
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