How can you purchase car insurance in Ireland?


Quick Answer

In Ireland, individuals can apply for and purchase car insurance via phone, in person or through an auto insurance broker, according to the Citizens Information Board. Ireland residents can find most insurance companies and brokers through the public telephone directory.

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How can you purchase car insurance in Ireland?
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Full Answer

To be a named a driver on another person's policy, an individual must have the policyholder contact the insurance company and request that the addition of the individual to the policy, reports the Citizens Information Board. Per regulation, an insurance company must send policyholders renewal notices a minimum of 15 business days before their policies expire. A no-claims discount certificate must accompany the notice, and policyholders must have this certificate to switch their insurance policy to a different company.

All drivers in Ireland are required to have third-party car insurance, reports the Citizens Information Board. This insurance compensates the other party in an accident if a policyholder is at fault, but it does not pay for any damage sustained by the policyholder's vehicle. Third-party, fire and theft insurance offers the same coverage as third-party coverage, but it also compensates policyholders when vehicles sustain damage as a result of attempted or actual fire or theft.

Comprehensive coverage provides the most extensive auto insurance coverage, notes the Citizens Information Board. This type of policy covers any damage to the policyholder's car, regardless of whether or not the policyholder is at fault. This policy also covers the cost of a rental car if a policyholder's car is being repaired due to an accident, and it covers the cost of a loss of personal belongings from the vehicle. This type of policy also provides life and accident insurance, and it covers windshield damage.

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