How can I get cheap car insurance in NI?
NI car insurance companies look at several factors when calculating car insurance prices. Here are some tips that 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 shop around - it's the easiest way to save money. And if you compare quote with us, we guarantee to beat your renewal1. 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 you need to. Our data shows you usually see the cheapest prices around 27 days2 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 a driver means you share the time spent driving, which could see your costs come down. But remember, you must always name the person who drives the most as the main driver. Otherwise, you’re fronting, a form of fraud that could invalidate your policy.
Black box insurance is an 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, you should be able to cut the cost of your car insurance.
Increase your voluntary excess. Agreeing to a higher car insurance excess 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 an alarm or immobiliser. Making your car harder to steal could reduce the cost of your insurance.
No-claims bonus (NCB). If you stay claim-free for a year you can build up an no-claims bonus and start to benefit from lower prices. Each year without a claim adds another year and increases the discount insurers might offer you.
What our car insurance expert says
If you're planning on regularly driving in the Republic of Ireland, it's worth checking your policy details to see if there's a limit on the length or number of days you can drive abroad. If you're unsure, speak to the insurer to double-check.
Car insurance expert