Car Insurance Northern Ireland

Car Insurance Northern Ireland – If you’re from Northern Ireland, you won’t be surprised to learn that the average cost of car insurance in Northern Ireland is more expensive than the rest of the UK. But how can you reduce your insurance costs? Read on for our tips on reducing your premiums.

NI Council published a paper on the comparative cost of car and home insurance in 2011 to investigate why premiums are so high in Northern Ireland. They found that this was due to a number of different factors.

Car Insurance Northern Ireland

According to the research, a slightly higher percentage of the population is in the age group of 16-29 years. This increases the average cost of car insurance, as young and inexperienced drivers are considered a higher risk by insurers.

Rac Car Insurance Review

Research shows that people in Northern Ireland travel longer distances than other people in the UK. This can contribute to higher insurance premiums.

Compared to other parts of the UK, Northern Ireland has a higher proportion of non-essential roads such as B roads, C roads and unclassified roads. Research has suggested that this may contribute to higher insurance costs.

Traffic has increased significantly over the past few years compared to other parts of the UK. The paper suggests that if road safety does not increase significantly with this increase in traffic, this could increase insurance risk.

In fact, NI has a high accident rate per capita. This can be the result of the above mentioned factors.

Car Insurance In Ireland

Around 40% of road accident claims reach the courts in Northern Ireland, while only 3.5% reach the courts in England and Wales. As a result, the legal costs of common traffic accidents increase dramatically.

According to the British Insurance Association (BIBA), compensation rates are higher in Northern Ireland than in the rest of the UK. This may cause insurers to raise their rates to cover these higher costs.

With all this in mind, here are some of the best ways to reduce insurance premiums in Northern Ireland.

Cars with powerful engines are more expensive to insure. This is because faster and more powerful cars are statistically more likely to crash. Choosing a less powerful car can lower your car insurance premiums in Northern Ireland. This is especially true for young or first-time drivers, who are more likely to be involved in an accident and have higher insurance costs.

Get Your Young Driver Car Insurance Now! The Aa Ireland

Your No Claims Allowance (NCB) is related to the number of years you have driven without claiming. Usually, every year you don’t have to make a claim, your insurance premiums will be lower.

As a result, it might be a good idea to try to build your own NCB. Some insurance schemes may even offer you a protected claims allowance that will not affect your NCBs even if you need to make a claim.

People in Northern Ireland tend to drive more miles than other parts of the UK, so you may want to consider driving fewer miles each year. Limited mileage systems are very effective in helping you reduce costs.

Here’s the best kept secret in the industry: if you join a car club, you can get up to 20% off your Sterling NI insurance! By being a member of a car club, you are telling us that you are passionate about your car, which means that you are less of a risk to insurance.

Its4women.co.uk Becomes First Brand To Sign Long Term Deal With Belfast International Airport’s Car Park For Out Of Home Advertising

Comparing insurance plans and rates can lower your insurance premiums significantly, especially if you do this every year when your renewal is due. It usually helps to explore alternatives outside of the usual comparison fields. For example, insurance brokers like Sterling NI can help you compare quotes that you can’t find anywhere else.

In most cases, you’ll probably be able to get a better price with an insurance broker, which is great if you’re paying extra for features you don’t particularly need.

Improving car security can help protect your car from theft. This includes keeping your car in a garage rather than on a public road and installing Thatcham approved safety devices such as trackers and immobilizers. Make sure you lock your garage overnight as most thieves work in the evening and at night.

Generally, it is better to buy your insurance policy a few weeks before your policy expires, rather than waiting for the last renewal date.

Strabane, Northern Ireland. 6th Apr, 2019. Mcgrady Insurance Northern Ireland Rally Championship, Round 3; Philip Allen

Although black boxes are sometimes viewed negatively, they can have a significant impact on your insurance premiums, especially if you are a young driver. At Sterling NI, we offer safe driving with up to 60% off your insurance premiums. Our black box coverage is not as limited as other telematics providers; For example, we don’t impose curfews or punish you for driving at night.

An optional excess is the amount you agree to pay in the event of a claim. Optional excess increases can help reduce your premiums, but you should be prepared to pay this in the event of a claim.

It is important to note that the optional excess is often added to your mandatory excess set by the insurer, so be sure to add these two figures when calculating your total liability if you need to make a claim. .

At Sterling NI, we offer strike protection. This can cover the excess that you have to pay in the event of a claim.

Northern Ireland Car Insurance Penalty Points Cost #northernireland #belfast #northernirelandtiktok

Because young drivers have little experience on the road, insurance premiums are often very high. But your insurance can be significantly reduced if you pass additional driving licenses. That’s because courses like PassPlus can help you improve your driving skills and make you a safer driver. This, in turn, translates into cheaper insurance premiums.

© Sterling Insurance Services, 2024. All rights reserved. Please note our privacy policy. Authorized and regulated by the Financial Conduct Authority (FCA) under registration number 309073, car insurance is something we all pay to drive on the road, regardless of our driving experience and ability.

As you gain more experience and create an unclaimed bonus, the price decreases (slowly).

When you start your driving journey, policies can be expensive and with so many options, we thought we’d recommend the best available.

Motor, Home, Travel Insurance In Northern Ireland

Adrian Flux specializes in car insurance and offers for young people and learners. Arrange various packages, including Black Box policies, to help reduce costs. 

Even if you already have a policy, it’s worth checking them out to see if they can beat your current rates. Switching suppliers has never been easier.

Call Adrian Flux today and quote NI Driving School code i1151 and they will sort you out with a good policy. 

Second on our list is Quotezone. Quotezone is owned by the same company that operates CompareNI and many other comparison websites.

Temporary Car Insurance And Short Term Car Cover

The best thing about Quotezone is that it saves you hours of searching by taking your details and getting the best quotes from many car insurance companies to choose from.

NI Driving School has a series of educational driving videos to help you on your driving journey! Everything from parallel parking to bay parking to full test tracks! Click here to see more! We do all the legal work for you over the phone; Tell us about yourself and your car and we will do the rest.

You can choose any additional benefits you want, which we offer in a variety of models including accident cover, critical protection and windshield cover.

We know what makes you attractive to insurers, allowing us to ask the right questions to ultimately award you with insurance that accurately reflects your driving history.

Car Insurance Quotes Northern Ireland And Great Britain

We know that renewing your auto insurance policy isn’t the funnest activity in the world, which is why we strive to make the process as painless as possible.

At Sterling NI, we work differently to your average insurer. As an insurance broker, we are looking for the best for you. We choose from many quotes below to help you finally find the right policy for your needs.

We work closely with insurers, which means we know what driver and car combination they think is best. This helps us ask you the right questions to ultimately help you get a quote that accurately reflects your driving history.

Whether you have a Hyundai Tucson, Ford Puma, VW Polo or any vehicle in Northern Ireland, we can find cover to suit your needs.

Irish School Of Motoring & Axa Insurance Partnership

We cover all areas of Northern Ireland including Belfast, Derry, Craigavon, Bangor, Lisburn, Castlereagh, Ballymena, Armagh, Carrickfergus and many more.

Our legal cover is part of our car insurance policies. If you’ve ever been in an accident that wasn’t your fault, this was it