RSA Car Insurance – Background & Review

RSA Car Insurance – Introduction

The RSA Group has been in operation since 1710.  They were founded in London but now have a global presence.  In Ireland, they operate through an exclusive number of brokers of which we are one.

They currently have over 400,000 customers in Ireland.  This review will help you decide whether RSA Insurance is the right fit for your needs.

Background: RSA Car Insurance

The RSA Group has a presence in 140 countries with  23,000 employees and 17 million customers worldwide.

Their Irish base is in the stylish RSA House in Dundrum, Co. Dublin.

Another key point to note is that like all of the companies we provide quotes for, RSA Car Insurance is regulated by the Central Bank of Ireland.

Review of RSA Car Insurance

RSA Insurance has been one of our leading insurance policy providers for a number of years.  On the whole, they are known for their simple policy solutions and great customer services.

The RSA group are well established in the market and our experiences with them as a broker have been very good.

They are able to offer competitive rates for all insurance policies, in particular young drivers insurance.  They offer great value car insurance with excellent customer service.

RSA Car Insurance comes with a number of added benefits including key care, windscreen claims and breakdown assistance.  They have been providing a great service for many years and we are delighted to have them listed on QuoteMe.ie.

Having said that, everyone’s insurance requirements are different.  You should review policy documents before purchasing insurance with RSA. Our quote comparison tool will let you know if RSA Car Insurance is the cheapest policy for your needs.

Obviously we would recommend that you strongly consider a policy with RSA should it fit your needs and budget.

Rating 5/5

How to Get a Quote from RSA Car Insurance

Our online quote comparison tool will let you know whether a RSA Car Insurance policy is the right fit for your needs.  This tool gives you a list of the most suitable policies for you.  Most importantly it gives a breakdown of the price of each insurance policy available to you.

Additionally you can give us a call on 0818 224433 or 042 9359051. Talk to one of our insurance advisors who will be delighted to help.

Get a Car Insurance Quote

 

 

Liberty Car Insurance – Background & Review

Liberty Car Insurance – Introduction

Liberty Insurance have been offering car insurance in Ireland since 2012 and many of our customers have taken out policies with them.

The company currently have over 215,000 customers in Ireland.  We have written this review to help you when you’re looking for a Liberty car insurance quote.

Background: Liberty Car Insurance

Liberty Car Insurance is provided by Liberty Seguros which is part of the Massachusetts based Liberty Mutual Holding Company (LMHC), head of the Liberty Mutual Insurance family.

LMHC employs more than 50,000 people in 800 offices around the globe.  400 of these employees are based in their Irish offices in Dublin and Cavan.

On January 1st 2019, Liberty Insurance Ireland merged with its parent company in Spain, Liberty Seguros. As part of the Liberty Mutual Insurance family they benefit from having over 100 years’ experience in providing insurance.

Liberty Insurance is regulated by the Central Bank of Ireland.

Review of Liberty Car Insurance

We have been providing quotes for Liberty Insurance for a number of years.  Overall our customers have been happy with their Liberty Car Insurance policies.

As mentioned previously, Liberty Insurance has only been active in Ireland for less than a decade.  As a result of their strong brand reputation they were able to build up quite a large customer base in a short space of time.

Liberty Insurance is a good option for car insurance in Ireland.  They offer good coverage. They have also established a strong base in Ireland.  Their recent merger with Liberty Seguros will allow them to share expertise and resources. Consequently, this should allow them to better serve their customers.

Furthermore, Liberty Insurance has a great track record with customers. They are known as one of the most trustworthy and reliable providers in the country.

Our quote comparison tool will let you know if Liberty Car Insurance is the cheapest policy for your needs.

Rating: 5/5

How to Get a Quote for Car Insurance from Liberty Insurance

You can compare car insurance policies using our online quote comparison tool.  This will help you find the most suitable car insurance quote for your needs.   Our quote comparison tool will return the cheapest available policy for you.

Get a Car Insurance Quote

 

Motor Insurance – Compare Quotes for the Cheapest Price

The central bank published a report on consumers attitude to Motor Insurance. The report is titled “Motor Insurance – Consumer Research on Attitudes and Behaviours – November 2018.”

The report contains significant insights into the Motor Insurance sector in Ireland from a customers point of view.

Motor Insurance Ireland – Shopping Around and getting the Best Price

Price is a major factor in deciding which motor insurance policy to take out.

Seventy-nine per cent said that price was the most important factor in deciding their last purchase of motor insurance.

However, fifty-eight per cent of those involved in the study did not change insurers.

It is advisable to shop around to get the best quote. Get quotes from multiple providers. In a lot of cases, there is a large swing from the lowest cost to the highest cost policies.

Therefore, you should set a reminder before your policy is due for renewal in order to make sure you avail of any possible savings by switching to another insurer.

As an insurance broker we check thirteen insurance providers for our clients and pick the best one for them at renewal time. As a result, you can save time checking prices.

motor insurance car

Customer Satisfaction for Insurers who Provide Motor Insurance

Ninety per cent of those surveyed said that they were either “satisfied” or “very satisfied” with the service they received.

Therefore, the insurance sector should take pride in this statistic.

Motor Insurance Full Report

The full report is available to download from the Irish central bank’s website.

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Learner/Provisional Driver Insurance – Top Tips to Get The Best Price

Learner drivers face a challenge getting insured. Many insurance companies quote extremely high prices for learner policies. In many cases, the learner driver simply cannot afford the premium.

We all know that in general there many factors which put upward pressure on Irish insurance costs. These include higher injury awards than the rest of Europe.

In this landscape, it can be difficult for a learner driver to get a policy that doesn’t take a serious toll on their bank balance.

How Can a Learner Driver Get Cheaper Car Insurance

Here are several tips that could help you save on your insurance premium if you are a learner driver.

Pick a Small Engined and Relatively New Car.

We would recommend that you pick a small engined car that is less than ten years old for your first vehicle.

Yes, we know that it is not the most sporty or glamourous option but in reality, you will save on your insurance premium when compared to a 2-litre car.

Get Multiple Quotes

As with anything, when you shop around you tend to find the best price eventually.

As a result, you should get quotes from multiple insurers. As an insurance broker Quoteme.ie does this for you and will get quotes from thirteen different insurers.

Third Party, Fire and Theft or Comprehensive

It is easy to say to just go for Third Party with Fire and Theft. However, in some cases, the difference between the two types of policy may not be that large. Therefore, consider the additional value versus the cost of going with a comprehensive policy.

Get quotes for both and make your decision when you see the prices.

Become a named driver on a fully licenced driver’s vehicle.

This is an option if you need to get more experience and have somebody willing to put you on their car policy.

All the better if this person will be your accompanied driver when you are getting additional experience away from your lessons.

They will already be able to take over driving if needed because they will be insured on their own car.

Add a driver with experience such as your accompanying driver as a named driver to your policy.

This may reduce your premium. Adding the driver that will be accompanying you as you get extra on-road experience may be a worthwhile option.

Resale value and modifications

Make sure you know the resale value of your car to avoid over-insuring. Another important point to keeping your insurance down is to avoid buying a car with unnecessary body modifications or engine tuning. These are likely to increase the amount you will pay for insurance.

Provisional Licence Holders Insurance

All in all, although the insurance premium for provisional licence holders is higher than those with a full licence, savings can still be made by following the tips above.

Aviva Car Insurance – How Does It Compare with Other Insurers

Aviva Car Insurance – As one of Ireland’s leading online insurance brokers, we have a great relationship with Aviva. Many of our customers opt for Aviva policies.

In certain circumstances, Aviva car insurance offers the best value to many customers.

Find out if Aviva quotes you the best price by using our car insurance quote comparison tool.

Aviva is a global brand providing insurance, savings and investment products to around 33 million people around the world.

Aviva employs over 1,200 people in across their Irish operations in Dublin, Galway and Cork.

The company is known in Ireland for innovative schemes to help learner drivers.

Aviva Ignition and Driving School

Learner Permit holders and those who hold a Full EU Driving Licence for less than 3 years must take part in the Ignition Programme with Aviva.

They also offer driver training for learning drivers with the Aviva Driving School.

Aviva Car Insurance Review

Aviva is one of the major players in the car insurance market in Ireland. They actively assist young learner drivers which is a major plus.

They have a number of innovations which help reduce car insurance premiums.

All in all, if you can get the cheapest quote for your circumstances with Aviva then you should strongly consider taking out a quote with them.

Rating: 5/5

Conclusion

In conclusion, with over 300 of providing insurance and an international footprint. Aviva has been a welcome contributor to the Irish car insurance landscape.

 

 

Bump Car Insurance – Overview

Bump Car Insurance – Background

Since 2013, Bump Insurance has been underwriting car insurance in Ireland. Over the last number of years, Bump car insurance became quite popular throughout the country.

Patrona Insurance Group, a major insurance underwriter, bought Bump Insurance since then.

They deal exclusively through a network of selected brokers which, we at Quoteme.ie, are one.

As a result,  Bump Insurance only provides a quote through a fully accredited insurance broker.

Bump Car Insurance Review

Bump Insurance is an underwriting agency that provides innovative insurance products through a network of brokers throughout Ireland.  Patrona Insurance Group now owns them.

They are well established in the market and our experiences with them as a broker have been very good.

They provide a great service through brokers to their customers. As a result, they enable us to maintain top-level standards in customer service.

However, everybody’s car insurance requirements are different. Therefore, you should review policy documents to make sure that they meet your needs.

In conclusion, if you find a policy that meets your needs and budget from Bump Insurance then strongly consider it.

See if Bump Insurance can offer you the best price for car insurance.

Rating: 5/5

Compare Car Insurance Quotes

Conclusion

Bump Insurance is based in County Galway. They have grown significantly in the last number of years. Therefore, have made a substantial impact on the Irish Insurance market. They are regulated by the Central Bank of Ireland (as you would expect).

Consider selecting a policy from Bump Insurance if it meets your requirements.

Compare Bump Insurance quotes for car insurance with other top insurance providers in Ireland.  Use our quote comparison tool linked above to find out if  Bump Insurance can offer you the best price on your policy.

Alternatively, give us a call on 0818 224433 or 042 9359051. Talk to one of our insurance advisors who will be delighted to help.

Bump Insurance provides car insurance. Get a quote today.

 

Zurich Car Insurance – Review and Background

Zurich Car Insurance – Introduction

Many of our customers have questions about Zurich Car Insurance.

They have seen an advertisement on television or attended an event which was sponsored by Zurich. As a result, they want to know more about the company.

We have worked with Zurich for many years, and as a broker, provide car insurance quotes from Zurich Insurance among many other companies. Therefore, we advise that you consider Zurich when looking for Car Insurance.

About Zurich Insurance

Zurich Insurance employs more than 400 people in Ireland.

It has locations in both Dublin and Wexford with it’s Wexford customer care operation opening in 2008.

Zurich is one of the top car insurance providers in Ireland. Many of our customers have taken out a policy with them.

We delighted to be able to provide our customers with quotes from Zurich as part of our quote comparison service.

Zurich Insurance PLC is regulated by the central bank of Ireland.

Review of Zurich Car Insurance

As with all the companies we work with as insurance brokers, Zurich Insurance is reliable, has demonstrated good customer service over many years, and complies with insurance regulation here in Ireland. Furthermore, they have an Irish base.

As a result, you should consider quotes for car insurance from Zurich Insurance.

The Zurich brand is established over many years and can be trusted to provide car insurance that meets your needs. Therefore, Zurich Car Insurance is a good option for car insurance in Ireland.

Our quote comparison tool will show you if  Zurich Insurance is the cheapest policy for your requirements and circumstances.

Rating: 5/5

How to Get a Quote for Car Insurance from Zurich Insurance

Use our online quote comparison tool to get car insurance quotes from Zurich Insurance along with a number of other top insurance companies. Consequently, you will see the cheapest quote among the companies offered.

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AXA Car Insurance – Background and Review

AXA car insurance policies are very popular with our customers. In some cases, they provide the best balance between coverage and price.

As a result, we have written this post to help you when looking for an AXA car insurance quote.

We hope that it helps you as you look for a quote.

Background: AXA Car Insurance

AXA Ireland has been in operation since 1999. Car Insurance is one of their most popular products.

Therefore, they have vast experience providing car insurance policies.

AXA is one of the top 5 biggest general insurers in Ireland. With this, they have lots of experience with car insurance policies.

They have 42 branches in Ireland.

AXA Car Insurance – Review

We have sold countless policies including car insurance from AXA over the years and we have found them great to deal with.

They have a great track record in Ireland. This is a major positive.

In light of this, we are confident recommending AXA policies to our customers.

Rating: 5/5

Save on Car Insurance

They are one of the many insurers that are compared using our quote comparison tool. So, if you want to see how AXA stacks up on price for your circumstances, simply fill out our quote comparison form.

Alternatively, give us a call and one of our helpful insurance advisors can assist. You can reach us on 0818 224433 or 042 9359051.

Compare Car Insurance Quotes

We can help you find the best car insurance quote across multiple insurance providers including AXA.
In the event that you are looking to renew your policy or are getting insured for the first time, you can compare policy quotes across multiple insurance companies to find the cheapest price for the level of cover you require.

There can be quite a variance in prices quoted for car insurance. Therefore, we recommend shopping around.

Conclusion

There are many good insurance companies operating in Ireland. AXA sits among the top with respect. As a result, you should consider a policy from them if it meets your cover requirements and budget.

Furthermore, you can be confident as AXA Ireland is part of a global AXA brand.

All in all, AXA have established themselves as a major player in the Irish insurance sector.

Car Insurance with a Criminal Conviction

What is Convicted Driver Insurance?

Convicted driver insurance is insurance for a driver who has a criminal conviction. The cost of insurance is usually higher when the driver has a previous criminal conviction.

Does a criminal conviction make it harder to get car insurance?

A criminal conviction makes it harder to get car insurance. Surprisingly to many, this does not only include convictions that relate directly to driving. Any conviction may result in certain problems when seeking car insurance.

How to get car insurance when you have a criminal conviction

The first thing you need to do is disclose your conviction to your insurance broker and insurer. Never hide your conviction because it will lead to problems down the line. It may result in your policy being voided.

It is also important to know that any conviction must be disclosed even if the event or the conviction happened after the policy of insurance was taken out.

This is something that can easily be forgotten but is just as important as disclosing the conviction when the policy is taken out. In this circumstance, it is up to the policy holder to make contact with their insurance provider and notify them about the conviction.

There are insurers who specialise in policies for people with convictions. It is possible for a convicted driver to shop around to find the best quote.

Spent Convictions – Car Insurance

What is a “Spent” Conviction?

Some convictions are regarded as “spent” after 7 years. The 7 years is counted from the date of the sentence (conviction).

These are:

  • All convictions in the District Court except for convictions for dangerous driving and a single conviction in either the District our Circuit Court which resulted in a prison term of less than 12 months or a fine
  • Convictions for a sexual offence or an offence tried in the Central Criminal Court must always be disclosed and are never “spent.”

Up until 2016, there was no set time in Ireland whereby there was expungement of adult criminal convictions after a set period.

In terms of insurance, it is really a lifelong punishment since all insurance companies ask, at the time of new business quotation and/or renewal, whether there has ever been any criminal convictions.

The 2016 act states “If you have been convicted of fraud, deceit or dishonesty in respect of a claim under a policy of insurance or a policy of assurance, you have to disclose that conviction on any insurance or assurance proposal or form.”

Failure to disclose such convictions could mean that your policy is invalid and cancelled from inception date – effectively meaning that cover never existed. It will also mean that any claim will not be paid.

It is important to note that these rules apply to all insurance policies, not just car insurance.

Questions Insurance Brokers/Companies will ask a Convicted Driver

At quoteme.ie we ask the following question when we receive an application for car insurance:

“Have you or any driver who may drive your car ever had any convictions for any offence of any nature or any pending prosecutions?”

Convicted Drivers Insurance

In the case where the offence resulting in the conviction was related to driving you will have to disclose details. For example, in the case of seeking car insurance for a person convicted of a drink driving related offence a number of additional details are required.

A number of insurance companies provide quotes to convicted drivers. We get quotes on your behalf from these insurers so you can select the best quote.

Convicted drivers insurance can be significantly higher than a driver without a conviction. That’s a key reason to shop around for your quote. We can help you get cheap convicted drivers insurance. Everyone’s circumstances are different. You may be surprised at how much you can save on your policy.

Convicted Driver Insurance and Drink Driving Insurance

We help drivers with a drink driving related conviction get car insurance. During the application process, we require additional details from the applicant that relate to their conviction.

If you have a drink driving conviction, we have a number of insurers willing to quote for your car insurance.

In order to get an insurance quote for a driver who has a drink driving conviction we require the following details:

The date of the offence and the penalty you received.
Since 2011 your penalty will reflect the offence so we no longer need to know the statistics around your blood/alcohol levels at the time of your offence.

A major factor in determining the cost of your car insurance policy will be around the penalty you received. If you were disqualified from driving for more than 2 years, you will have lost your no claims bonus, with the obvious consequence.

Even if you have a drink driving conviction it is worth shopping around for quotes. Many insurers will give you a quote but in our experience, this can vary according to a number of factors.

We can help you find the lowest price quote from insurers who have policies for drivers with a drink driving conviction.

Our insurance professionals can help people with convictions get the best possible quote for their circumstances. We recommend that you give us a call and we will do our utmost to find the best quote for you.

Insurance for a Driver with a Conviction

For a driver with a conviction, it is more difficult to get car insurance. Quotes are higher for individuals with a conviction than for people without a criminal conviction. However, this increase in cost can be reduced.

Over the years we have seen many convicted drivers make substantial savings on their policy. Even though the quote will be higher if they did not have any convictions, shopping around does pay.

Please call us for a quote. We will compare insurance companies that insure convicted drivers and are happy to walk you through the application process. Our friendly insurance professionals will make it easy for you to provide all the required details.

Call us on 0818 224 433.

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.

What do you need for a Car Insurance Quote in Ireland?

  • 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.