Car Insurance

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.

If you have more than one car registered at the same address, you will often get a discount if you use the same insurance company to cover them all.

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.