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Best Car Insurance Company List in Ireland
Northern Ireland used to be an expensive place to insure a car compared to the rest of the UK, with fewer options.
How does car insurance work in Northern Ireland?
Car insurance works in Ireland the same way as in other areas of the UK. Although, some of the big UK-based insurance companies have chosen not to offer Northern Ireland car insurance.
Northern Ireland has a small market with just over 55,000 cars registered, making it less attractive to insurers.
Northern Ireland mandates drivers to have a minimum level of insurance with them.
- Third-party – the basic legal minimum, third party fire & theft.
- Fully comprehensive car insurance- comprehensive only covers the car, not the driver, and it’s not mandatory, but you most likely need it. Most drivers choose fully comprehensive insurance, and in many cases, it won’t cost much more than third-party insurance.
This covers car repairs in case of an accident and often provides a courtesy car while your vehicle is off the road and benefits such as legal cover and cover for your possessions in the car.
Note: Coverages and policies in Ireland are not different from the ones in the UK.
Why is third party coverage mandatory in NI?
The third party only covers damage that you do to other people and their cars and property. If you crash into another’s vehicle, your insurance will cover you; however, you have to pay for any repairs that need to be done to your car. The third-party coverage is required so that the public is protected in the case of accidents.
How third-party fire & theft coverage works?
Fire: The insurance company will pay for the damage done by the fire (except for fires caused by a fault in your car).
Theft: Your insurer will cover you if your car is stolen or damaged in the course of a theft.
How much you should pay for car insurance in Northern Ireland?
According to the Consumer Council, NI drivers pay an average of £931 per year for a fully comprehensive auto insurance policy. It is way above the norm in the UK – which is £430 a year.
There are several reasons for this high price:
- Younger drivers make up a higher percentage of the Northern Ireland population, and drivers under 25 always pay more for insurance.
- There’s less competition because the population is not, so dense insurance companies don’t like offering their products to Northern Ireland drivers.
- The average price of car insurance is also different in every region. County Down is the cheapest, while County Tyrone has the most expensive insurance rates.
- NI drivers use rural roads more often, and naturally, rural roads are not so safe.
Best auto insurance companies
1.Allianz
Allianz SE is a German multinational financial services company founded in 1890, and it’s headquartered in Munich, Germany. The original company has over 131 years of service, but Allianz plc in Ireland was established in 1902 and has employed more than 1700 people.
Allianz plc is offering their product in the Republic of Ireland and Northern Ireland, providing car, home, pet, boat, travel products, van, business, and schools insurance. Allianz has more than half a million customers in Ireland.
Contact Info:
Phone: +353 (0) 1 448 4848
Monday to Friday from 8 a.m. to 5 p.m.
E-mail: info@allianz.ie
Address: Allianz House, Elm Park, Morrison Rd, Dublin 4, D04 Y6Y6, Ireland
Website: https://www.allianz.ie/
2.Aviva
Aviva is a U.K. based company and was founded in 1999. It’s one of the largest insurance companies in the UK, and its headquarters is located in London, England, UK. Aviva Group Ireland plc is the Irish arm of the British insurance company, and its headquarters are in Dublin.
Aviva had received an overall rating of four stars by J.D Power Study, and according to them, Aviva offers the best prices and excellent discounts, and optional coverages.
Contact Info:
Phone: +353 (0) 1 898 6400
Monday to Friday from 9 a.m. to 6 p.m.
E-mail: –
Address: One Park Place, Hatch Street Upper, Saint Kevin’s, Dublin, Ireland
Website: https://www.aviva.ie/
3.Irish Life
Irish Life Assurance plc, known as Irish Life, is an Irish Insurance company founded in 1939 and headquartered in Dublin, Ireland. Irish Life has been part of the Great-West LifeCo group of companies when the Irish Government sold the business in 2013.
Interesting to know about Irish Life; they are pretty active in the wider community through the Irish Life Staff Charities, formed in 1995. Each year, Irish Life staff pick two charities and hold a specified number of events are throughout the year to help raise money.
Since 1995, over €1,000,000 has been raised for charities, including Our Ladies Hospital for Sick Children, Crumlin, and The Cyril Duncan Siam Children’s Foundation.
Contact Info:
Phone: +353 (0) 1 704 1010
Monday to Thursday from 8 a.m. to 8 p.m.
Fri: 10 a.m. to 6 p.m. & Sat: 9 a.m. to 1 p.m.
E-mail: customerservice@irishlife.ie
Address: Irish Life Centre, Abbey Street Lower, North City, Dublin 1, Ireland.
Website: https://www.irishlife.ie/
4.Liberty Mutual
Liberty Mutual Group is an American-based company founded in 1912, and its headquarter is located at 175 Berkeley Street. Liberty mutual, with over 100 years of service, provides insurance around the globe, and it’s the third-largest property and casualty insurer in the United States.
Liberty Insurance Ireland is an arm of the Boston-based Liberty Mutual Holding Company (LMHC), the head of the Liberty Mutual Insurance family, active in Ireland.
Contact Info:
Phone: +353 (0) 1890 944 412
Monday to Friday from 9 a.m. to 6 p.m.
Saturday – Sunday Closed
E-mail: info@libertyinsurance.ie
Address: Dublin Rd, Cavan, Ireland.
Website: https://www.libertyinsurance.ie/
5. New Ireland
New Ireland Assurance Company plc is an insurance company in the Republic of Ireland, founded as the New Ireland Assurance Collecting Society in 1918. New Ireland was the first Irish-owned life assurance company that opened in the Republic of Ireland.
They have won several prestigious awards for Service Excellence, Excellence in Financial Products, Excellence in Broker Support, and Investment Excellence.
Contact Info:
Phone: +353 (0) 1 617 2000
Monday to Friday from 9 a.m. to 4 p.m.
E-mail: info@newireland.ie
Address: 5 – 9 Frederick St S, Dublin 2, D02 DF29, Ireland.
Website: https://www.newireland.ie/
6. Royal London
Royal London Mutual Insurance Society Limited is the largest mutual insurer in the United Kingdom. It was founded in 1861 and headquartered in London, England, UK. Royal London has served people for 160 years and has a long history in Ireland.
Its Ireland office is in Dublin, and it has been a wholly-owned subsidiary of The Royal London Mutual Society Limited since 1968.
Contact Info:
Phone: +353 (0) 1 429 3333
Monday to Friday from 8 a.m. to 6 p.m.
E-mail: service@royallondon.ie
Address: Royal London House Alderley Park Congleton Road Nether Alderley Macclesfield SK10 4EL.
Website: https://www.royallondon.ie/
7.RSA
RSA Insurance Group Limited is a UK-based multinational general insurance company headquartered in London, England, and its major operations are in the United Kingdom, Ireland, Scandinavia & Canada. This company is the second-largest insurer in the United Kingdom after Royal London.
It has provided its customers with excellent service for 25 years, since 1996. RSA Group received a rating of four stars altogether from J.D. Power Study, and their customers gave high rates to RSA’s customer service, financial strength, discounts, and optional coverages.
Contact Info:
Phone: +353 (0) 1 290 1000
E-mail: –
Address: RSA House, Sandyford Rd, Dundrum, Dublin, D16 FC92, Ireland.
Website: https://www.rsagroup.ie/
