Category: Car Insurance

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.

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 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 – 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 – 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.

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.

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.