Car Insurance Ireland: What You Need

Car Insurance in Ireland has increased substantially over the last number of years. However, this year. we are seeing quotes from many insurance brokers stabilise and in some cases come down. Car insurance Ireland is a topic that is sure to be discussed at length in the mainstream media.

In general, when getting a new policy for your car in Ireland, or when renewing your policy, make sure you shop around for the best price.

Get a Car Insurance Quote

Getting a car insurance quote in Ireland is easy. It should not take more than three minutes.

Here are a few key things you should have at the ready when you are getting a car insurance quote.

  • Your registration number.
  • The date of birth for all people you intend putting on the policy.
  • The dates they have passed their test
  • The penalty points (if any) on the licences of those who will be on the policy

Please see full checklist below:

Car Insurance Ireland – Checklist

Car Insurance Ireland – Keep your insurer up to date

It is essential that you inform your car insurer of any relevant changes that have occurred since you took out your policy.

You must inform your insurer if you change your car, If you or another named driver pick up any penalty points or convictions, any changes to your occupation. If you change address or any changes to your health.

You also must inform your insurer If you modify or alter your car. This includes adding body parts.

Car Insurance Ireland – Selling Your Car

If you are selling your car in Ireland simply return your insurance disk to your broker. Some insurance companies will refund you for the remaining duration of your policy. Other companies will not give refunds on a cancelled car insurance policy in the first year of insurance. If you are unsure what refunds you can get, contact your broker.

Changing Your Car

You need to make sure that your insurance policy covers your new car. The easiest way to do this is to send your insurance disk back to your broker and advise them on the details of your new car. You also need to inform them when the transfer of cover is due to take place.

Driving in other countries

An Irish car insurance policy covers you for driving in Europe for 31 days.
Moving to a different Car Insurance Policy in Ireland
Car insurance renewal in Ireland is easy. You can easily move to a cheaper policy instead of renewing with your current provider.

At the very least, you should get a quote from a number of insurance providers before renewing. If you are concerned about the hassle of moving policy, you shouldn’t be. Contact an approved insurance broker that is regulated by the central bank of Ireland. They will help you take out a new insurance policy.

Breakdown Assistance

Many policies offer breakdown assistance. It is always a good idea to read the terms and conditions carefully and ask your broker about the details.

Car Insurance Quote

If you are looking for a car insurance quote in Ireland then simply use our car insurance quote engine. You will be able to compare quotes from multiple insurers. You can also just give us a call on 0818 224433 or 042 9359051. We would be delighted to take you through the entire process.

Strange decision over discriminatory practices by car insurers

Car insurance for EU license holders in Ireland is an important issue, since most of the 12% of non-Irish citizens in Ireland are from EU countries. In principle, drivers from EU countries should expect to be treated equally when it comes to car insurance. It is true that one of the obstacles to overcome for EU citizens is the differences between Irish licences and non-Irish licences. A major difference between a non-Irish driver’s licence and a license issued by the Irish State is the amount of information available to car insurance companies in Ireland.

However, in a recent case that came before Ireland’s Workplace Relations Commission (WRC), a Polish man who has been living in Ireland for over a decade lost his claim against an Irish insurance company. The man holds a full Polish driving licence, and has a no-claims discount of four years in Ireland. Yet when he tried to get insurance in June, he was quoted €942. If he had had an Irish license, he would only have paid €768, and if he had held a UK license, he would only have been charged €760.

The Polish driver challenged the decision of the Irish car insurance company at the WRC, the independent, statutory body established in 2015 under the Workplace Relations Act 2015. His challenge was based on the provisions of the Equal Status Act, Discrimination and Related Activities, Disposal of Goods and Provision of Services.

For some obscure reason, the Commission found that the insurance company had legitimately discriminated against the Polish driver, who has lived and worked – and paid his insurance – for 11 years in Ireland. According to the WRC, EU citizens with non-Irish driving licences can be charged more for insurance. This does not seem fair.

Innovative flood insurance in the Netherlands

With much of the country below sea level, the Netherlands is no stranger to flood risk. In 1953, the country was hit by a devastating flood which claimed almost 2,000 lives. But despite boasting some of the most advanced flood defences in the world, almost two thirds of Dutch homeowners were unable to buy flood insurance for some 60 years after the 1953 floods.

This changed drastically in 2013 when Lloyd’s coverholder Neerlandse started offering flood insurance using an innovative underwriting and risk assessment tool. This insurance product has the backing of the country’s homeowners association, and provides protection for flood damage up to €75,000. Most experts agree that this is more than enough to cover the average damage to a property from a major flood. The policy also covers water damage resulting from a failure of flood defences caused by earthquake or an act of terrorism.

Although the Netherlands is well protected from flood, Dutch underwriters nevertheless had no mechanism that could properly assess and price the risk for individual properties. The Neerlandse online underwriting tool is unique in that homeowners can use the Neerlandse website to find out if their property is at high or low risk of flooding. If the risk is high, homeowners can access information to help them reduce their risk. The underwriting tool combines the flood data from engineers with mapping technology to produce a risk assessment, and to offer homeowners a premium for their property.

There has been considerable debate in the Netherlands, as in Ireland, about flood risk and insurance. The Dutch Association of Insurers proposal that flood insurance be made a compulsory cover has proved unpopular with the public, which views this as an unfair form of taxation.

A spokesperson for Neerlandse claimed that compulsory insurance would have negative implications for risk awareness and mitigation. The Netherlands’ world-beating flood defences could create a misleading sense of security. Neerlandse believes that people need to be made aware of the true levels of risk through transparent information and the cost of their insurance. If insurance were to become compulsory, there would be no incentives for people to understand the risk, nor to take mitigation measures.

Is it fair to compare car insurance costs in other countries?

Is it fair to compare car insurance costs in other countries? Yes and no.

On the one hand, when you compare car insurance costs across the world, it’s tempting to reach the conclusion that car insurance in Ireland is very expensive. On the other hand, every country has its own set of insurance rules. For example, car insurance rates are low in some European countries because so long as you have the right papers and insurance in place, you only have to insure the car alone.

In Ireland we complain because insurance premium hikes are in double digits. Meanwhile, in Ontario consumers complained bitterly when car insurance rates increased an average of 0.60% in the second quarter of 2015.

The lucky residents of the state of Florida are almost unique in the world – their auto insurance premiums for Personal Injury Protection (PIP) are sliding downward. According to recent data, PIP premiums in Florida fell by over 13% following the implementation of a state law which was designed to lower premiums. Since PIP accounts for about a quarter of auto insurance costs overall, drivers in Florida have seen their premiums drop 3-4% since 2012 – compared to rises of over 30% in Ireland in the same period.

Beyond home insurance – 5 top tips for protecting your home

Yes, it’s great to know that your home is covered by home insurance. But there are steps you take on your own to prevent your home being burgled.

  1. Alarms and cctv: the last thing a burglar wants is a loud noise that alerts the neighbours. Alarms and cctv work as effective deterrents, especially when you place warning notices and signs on your property.
  2. Radio, lights and curtains: leaving a radio station on with more talk than music can confuse burglars by making them think that people are home having a conversation. You can also now buy timers that switch on the lights in various areas of your home. And counter-intuitively, burglars regard closed curtains are a sign that someone’s home.
  3. Small home safes: use your imagination to think up different ways of deploying small unobtrusive safes around your home for storing valuables, passports, cash, jewellery and keys.
  4. Locks: even though most home insurance policies stipulate a minimum level of security, you can enhance your chances of keeping burglars at bay by installing extra security for your windows, doors and french windows.
  5. Ultraviolet marking: you can increase the chances of recovering stolen items by using ultraviolet marking that contains your personal identifying information.

Driving on the hills made easy

Driving on the hills can be very challenging. In this primer, we share few essential tips which will make driving on the hills easy for you. If you have driven on the plains most of the time, it is important that you learn the hill driving etiquette. Tackling hilly terrain will be easier if you know the right hill-driving technique. It is important that you sue the handbrake as the safety lever that will help the car from rolling back as you spend some time adjusting your feet. When you pull the hand brakes firmly, the chances of your vehicle rolling down are negligible.

Important tips

Before a trip to the hills make sure that you prepare your car. Modern cars today are equipped with safety features which will help you to control the vehicle as you are climbing the hills. As the sharp turns on the hills are in spiral form, getting a view of the approaching vehicle is not easy. Thus, it is advised that you slow down at the turns, and honk in order to alert the other drivers. Taking hard turns will stress you out and may result in motion sickness as well. It is important to bear in mind that the vehicle which is descending, will be moving faster than the one which is ascending the hill. Do not forget to follow the safety alerts which are written on the way.

Using the gear right

You must learn to choose the gears differently. When you are driving uphill the gravity can put a burden. On the other hand, the same gravity tends to favor you when you are driving downhill. Selecting the appropriate gear and sing it the right way will keep you safe on the hills. You will be in better control of the car when you follow the speed limits strictly. When you do not know much about driving on the hills you might end up honking in excess and overusing the brakes.

Be extra cautious when you are overtaking in the hills. It is advised that you keep an eye on the vehicle in front of you which indeed has a better view of the situation which lies ahead. Once you start observing the car’s action, it will help you to easily avoid obstructions which you are not being able to see. Most steep mountains have escape ramps where you can consider halting for rest.

To conclude, follow these set of rules and enjoy the drive in the hills. As you pack your bags and set out with your family we wish you safe travels.

Few Essential Tips on How to Handle a Vehicle Breakdown

We all know that a car breakdown is inevitable. But have you ever wondered what should be the right course of action in such a situation? When you are driving and your vehicle encounters a problem, use your presence of mind and get the vehicle to the right of the road as soon as possible. While you pull the vehicle to the side of the road, there are some precautions which you should bear in mind. Do not get off the vehicle when the engine dies on the highway. It is wiser to sit in a dead vehicle than try to cross a busy highway by foot.

Safety precautions

The best way to alert other drivers is to roll the window and hang a white cloth. This will catch the attention of the other drivers and let them know that you are in trouble. Do not be perplexed as help will come your way soon As soon as you discover that you will need assistance, use your cellphone and call the highway patrol. Once you have pulled the vehicle and cleared the road, do not forget to switch on the headlights. It is wiser to wait for professional help even if your driver can repair the car. On a heavy highway do not get out of the car to examine a damage.

Exercising caution is important

After a breakdown it is recommended that you make the vehicle as visible as possible. As the vehicle slows down, do not forget to switch on the hazard lights. This will alert the other motorists and make them aware of your vehicle’s presence. Make sure that you raise the hood in case you need the help of the police. It is necessary that you exercise caution when you are stranded on the road. Use your judgment well before you accept help from strangers. If someone you are suspicious of stops, do not get out of the car but lower your window slightly so that you can talk.

It is advised that you keep an emergency kit ready. Whether it is a tire failure, a mechanical breakdown or you have run out of fuel,you must not compromise on the safety. A basic emergency kit can reduce the stress and increase your safety on the road.

It is a good idea to have a spare tire and repair tools in the car. Following these tips will prevent stress from building-up and will help you to tackle a vehicle breakdown easily.

Practice Ergonomic Driving: Guide for Drivers

When you drive a car, it is necessary that you seat yourself in the right position.Maintaining the right position can help you to avert accidents and experience greater comfort when you are driving. Before you start, make sure that you are in clothing which is comfortable, allowing you to concentrate on the road which lies ahead of you. In winters, coats can interfere with the steering. In such circumstances, adjust your seat with the surrounding and make use of seat belts. The footwear you choose should fit your feet snugly. The pair should not slip on the pedals which may lead to serious accidents.

Choose the right position

At the onset, position yourself correctly on the seat. Sit straight such that you fit into the seat comfortably. This will help you to avoid backaches, injuries and remain alert when you are on a long drive. Adjust your seat with the pedal, so that you can press the pedals with the right foot on time, when need arises without delay. It is a good idea to start the engine and press the brakes a few times. If you feel your knee straightening, you are far too back. If it is at 90 degrees,you are too close to the pedals.

Considerations you cannot overlook

After a short drive, most of us tend to slouch our shoulders which can cause a lot of pain and create prolonged problems. As you hold the steering wheel, your back lumbar and shoulders should be well-supported. Before you sit, remove the wallet from your back pocket. As a rule, get into the car first and then swing your legs into the car. To get out, you should slide your legs out first and then stand up. When you are on a long drive, take frequent brakes and stretch out often. When you hold the steering wheel, hold it firmly without clenching. In case you have plans of sharing the driving, do not forget to adjust the seat and check the position on the mirrors. This will give you an idea whether you are in the right position.

Essential and critical

A pillow tied to your seat can make a big difference. When you are traveling long distances, make sure that you have a pillow in the car. Sitting can be as critical as driving and it’s worth to be aware of the directions before you operate the levers in the car. After a long drive, rest frequently, take breaks and go for a short stroll. It is not a bad idea to stretch yourself and relax the muscles before you drive again.

Reasons to invest in a luxury car

The luxury car market is fast growing to suit the need of the prospective clientele. The car buyers who are on the lookout for luxury cars are emotionally connected with a particular brand which highly determines how they feel. A luxury car is much more than prestige.

The plush interiors and the choice of customization make luxury cars popular. When you drive a luxury car, you can be assured of greater safety. Driving a luxury car is associated with a higher status which indeed adds to the worth of a luxury vehicle.

Revealing a steady growth

In May 2015, the group marketing director of the British brands, Phil Popham has said that there is plenty of growth potential for brands that produce premium vehicles at premium prices. With the world becoming more affluent, the affluent people are becoming more brand savvy. It is not surprising to note the steady growth of luxury cars.

A significant section of manufacturers are selling in market segments where they have not competed in. The brands which have been competing in the luxury car segment include BMW, Mercedes Benz and Audi.

Ensure perfect pick

If you can afford it, a luxury car is what you should own. Not only does it help meet your aspirations but leads to a sense of satisfaction as well. Narrowing down on an exotic car can be slightly challenging. As you walk into a showroom, ask to be educated about the models which interest you. Gather an insight into the brands, the maintenance plans and the gearing options. After you have finally decided on the car, ask for a test drive.

Worthy investment

A luxury car is the perfect blend of matchless beauty and unparalleled quality. Offering comfort, beauty and technical benefits beyond compare, the deluxe car makers are well-known for their precision in manufacturing, for innovations in style and luxury. It needs mention that a luxury car comes pre-equipped with a better resale value. High resale value is a prime consideration for buyers who have plans of investing in luxury cars. With a label of luxury and a touch of panache, deluxe cars are worth the money which is shelled out.

Insuring the luxury car in Ireland

After you have finalized on the purchase do not forget to consider luxurious car insurance in Ireland. If you shop for car insurance online, do not forget to set some time aside for comparison shopping. Compare the car insurance quotes in Ireland so that you strike the best deal.

Changing your Home Insurance – Easier than 123!

It is so easy to change your home insurance broker or company and it can be done at any time during your insurance year. Since most house insurance policies don’t accumulate a no claims bonus, you don’t even have to wait until your home insurance policy is due for renewal.

How to change your home insurance in 123 steps:

  1. Call us on 0818 22 33 44 and our friendly, qualified professionals will run your details through our quotation system and give you’re the various quotes from ten different insurance companies.
  2. Choose the home insurance policy that suits you the best. Our professional staff will be able to give you advice on the various different policies and help you customise the best policy and cover for the lowest price.
  3. Buy your chosen home insurance policy from QuoteMe.ie and save yourself a bundle of cash. Instruct your previous insurer or bank to cancel your policy.

House Insurance – the different components – as easy as 123:

Buildings Insurance

Buildings can be insured for fire only, fire and perils or for “all risks”. Fire only cover is generally provided if the house is vacant for 2 months or longer. Most policies are written on a fire and perils basis and the list of perils covered is quite extensive.

  • Fire, explosion, lightning, earthquake
  • Smoke
  • Storm or flood
  • Falling trees or branches
  • Falling aerials, masts, satellite dishes or security cameras
  • Impact by an aircraft, road or rail vehicle or animals
  • Subsidence, heave or landslip
  • Leaking or overflowing of water or oil
  • Trace and access to find the source of any oil or water leak
  • Loss of oil
  • Riot, civil unrest, vandalism or malicious acts
  • Breakage of glass
  • Accidental damage to service pipe, cables and underground tanks which service your home.

Contents Insurance

Contents are also insured for all of the above perils. Some policies are written on an accidental damage basis. This means that accidents to your contents are covered. Examples would include dropping a cup of tea over your laptop or a stray ball breaking the television or a Waterford glass lamp. The most important additional peril that is added to home contents insurance is theft cover. Theft cover is an important cover but there are a couple of things to watch out for when arranging your home insurance policy.

Most Home Insurance Companies allow discounts if you have a house alarm and a larger discount if your alarm system is connected to a central station. If you do not activate your alarm system every single time you leave your house (even if you are just running down to the shop) then I would think seriously whether you should avail of the alarm discount. The reason is that some insurance companies will avoid paying a theft claim if you do not have your alarm activated.

All Risks Insurance

All risks insurance is the most expensive component of your home insurance policy. You add all risks cover to specified items and they are covered for all risks everywhere in the world. Most people insure jewellery, watches, golf clubs and cameras for all risks.

Liability Insurances

Home Insurance Policies cover public, and personal liabilities as well as liability to domestic employees.

Now you know about all of the components that make up a house insurance policy, give us a call on 0818 22 33 44. Our qualified, professional and friendly team will talk you through the various policies and help you decide which policy suits you the best and at the lowest cost.

Changing your Home Insurance – it’s as easy as 123.