How can I get cheap car insurance in NI?
NI car insurance companies take several factors into consideration when calculating car insurance prices. Here are a few tips which could help you cut the cost of your NI car insurance:
- Avoid auto renewal
- Time it right
- Add an experienced driver
- Black box insurance
- Increase your voluntary excess
- Improve security
- No-claims bonus (NCB)
Avoiding auto renewal and shopping around is the easiest way to save money. If you’ve had your car insurance renewal, we guarantee to beat your renewal1, and if we don’t, we’ll pay the difference plus £20.
Time it right. Leaving it too late to get your NI car insurance could mean you pay more than if you get it earlier. Our data shows you’ll usually see the cheapest prices around 3 weeks2 before you need the policy to start. Don’t worry if you’ve missed that window, as there are still savings to be had.
Add an experienced driver to help bring costs down. Adding an experienced driver means you’ll share the time spent driving. But remember, you must always name the person who drives the most as the main driver. Otherwise, you’re committing an act of fraud called fronting, which is illegal and could invalidate your policy.
Black box insurance is usually a good option for younger or less experienced drivers. Insurers track your driving using an app on your phone or a small device fitted to your car and offer prices based on your driving habits. If you drive safely, without harsh braking or excessive acceleration and within speed limits. you should be able to cut the cost of your car insurance.
Increase your voluntary excess. Agreeing to pay a higher car insurance excess when you claim is any easy way to reduce your costs. This is the amount that you contribute to the cost of any claim you make, so it's important to make sure you can afford it.
Improve security on your car by fitting a security device such as an alarm or immobiliser. Making your car harder to steal could reduce the cost of your insurance. Considering where you keep your car parked at night can also help.
No-claims bonus (NCB). If you stay claim-free for a year you can build up an NCB and start to benefit from lower prices. Each year without a claim adds another year and increases the discount insurers offer you.
What our car insurance expert says
Car insurance in Northern Ireland has generally been more expensive compared with the rest of the UK. And with the cost of NI car insurance going up by 12% since last year, it's more important than ever to compare car insurance quotes. Even if your quotes are cheaper than last year, we guarantee to beat your renewal, or give you the difference, plus £20***. So it’s worth shopping around!*** Must be a like-for-like policy. T&Cs apply.
Car insurance expert