How can I get cheap car insurance in NI?
Car Insurance companies for NI take lots of different factors into consideration when calculating car insurance prices. Here are a few tips which could help you cut the cost of your car insurance in Northern Ireland:
- Avoid auto renewal
- Time it right
- Add an experienced driver
- Black box insurance
- Increase your voluntary excess
- Improve security
- No-claims bonus (NCB)
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Avoiding auto renewal and shopping around is the easiest way to save money. If you’ve received your car insurance renewal, we guarantee to beat your renewal1, and if we don’t, we’ll pay the difference plus £20.
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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 it though as there are still savings out there to be had.
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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’ll be doing what’s known as fronting, which is illegal and could invalidate your policy.
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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.
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Increase your voluntary excess. Agreeing to pay a higher excess when you claim is any easy way to reduce your premium. The key is to make sure that you can still afford to pay it, should you need to make a claim.
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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.
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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 will offer you.
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Types of car insurance
Car insurance
is a legal requirement if you're driving in the UK. Find out more about choosing the right cover at the right price.
Black box car insurance
lets you prove you’re a safe driver, and save money on your policy, even if you’re inexperienced or seen as high risk.
What our car insurance expert says
In the past, car insurance in Northern Ireland has generally been more expensive compared with the rest of the UK. But recent figures show that prices are coming down. 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.
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