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  • Suitable for drivers of all ages and experience
  • We can quote drivers with zero years to a maximum or full no claims bonus
  • We can quote for standard insurance or difficult to insure cases
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Save money on your car insurance by comparing 12 insurers in the Irish market
  • 60% of people who received an online insurance price were able to improve their quote by calling us*.
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*Based on a survey carried out on the 26th January and 27th January 2021. 45 out of 75 callers made a saving on their online quote when subsequently talking to our advisors.

The Main Types of Car Insurance

There are three types of Car Insurance:

  • Third-Party Only (TPO) Cover
  • Third-Party, Fire and Theft
  • Fully Comprehensive

Third Party Only (TPO) cover is the minimum amount of cover required to drive a vehicle on a public road in Ireland, and indeed Europe. Motor Insurance minimum requirements are defined under the Road Traffic Act 1961.


Third Party Only

Third Party Fire & Theft

Fully Comprehensive

The third type of car insurance policy is called comprehensive car insurance. In addition to third party liability plus fire and theft, a comprehensive car insurance policy also covers damage to your own car - no matter who is at fault.

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The second type of car insurance policy is called Third Party , Fire and Theft (TPF&T). In addition to the third party only cover, as explained above, this type of policy also covers you against your car going on fire or being stolen.

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This covers your liability to third parties and property owned by third parties. Say, for instance, you have an accident while driving your car. This accident causes injuries to somebody and their property – both the injury and the damage caused to their property is covered by your TPO car insurance policy. You are also covered for any dispute that may arise over liability or any dispute regarding who is at fault.

Let’s say that while you are driving, you see a dog walking on the road. You swerve off the road and crash into a wall. The owner of the wall may hold you responsible for the damage to his wall and claim from you the cost of repairing the damage to this wall.

You may feel that the real person liable, or responsible for the damage to the wall, is the dog’s owner – because he failed to keep the animal under control. Your TPO policy will cover this dispute – indeed the insurance company will in fact take over the entire negotiation and settle everything for you.

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