The price of car insurance varies based on individual circumstances such as:

· Age · Driving history · Vehicle type · Cover level

For example, a new driver might face higher premiums compared to an experienced driver with a clean record.  Insurance costs can fluctuate over time due to changes in market conditions or regulatory adjustments.

The most accurate way to determine the cost of your car insurance is to get a personalised quote on our website or call us on (01) 408 6226. 

Third Party Insurance covers damages you may cause to others. Comprehensive Insurance also covers damages to your own vehicle, including theft and vandalism. 

When it comes to car insurance for First-time Drivers, the cost can vary widely based on several factors such as:

· Age

· Driving history

· Vehicle type

· Cover level

The best way to determine the cost of Car Insurance for a First-time Driver is to get a quote on our website or call us on (01) 408 6226. 

The impact of a claim on your Car Insurance premium can vary and is influenced by a multitude of factors. Generally, if you've made a claim, you may see an increase in your premium, but it depends on the details of the claim, such as:

· Who was at fault

· The severity and cost of the incident

· Your overall driving history

Additionally, the loss of a No Claims Discount can contribute to a higher premium. If you have a policy with protected No Claims Bonus, this could mitigate the impact, but there could still be an increase. 

Voluntary excess on Car Insurance is the amount you agree to pay towards a claim, before your insurer covers the remaining costs. It's an optional amount over and above the compulsory excess set by your insurer. By opting for a higher voluntary excess, you can often reduce your premium. 

Here's a breakdown of how it works: 

1. Compulsory Excess: This is the amount set by your insurer that you must pay towards a claim.

2. Voluntary Excess: This is an additional amount you choose to pay, which can lower your premium. However, remember that in the event of a claim, you'll need to pay both the compulsory and voluntary excess amounts. 

To transfer insurance to a new car, contact our helpful Customer Service Team on (01) 408 4020 with your new vehicle details. They will update your policy and provide you with a new certificate of insurance, subject to the insurer acceptance criteria being met. 

If you sell your old car, you should call our helpful Customer Service Team on (01) 408 4020 to update or cancel your policy. If you're getting a new car, you can transfer the policy to the new vehicle, subject to the insurer acceptance criteria being met. 

The premium may change based on the make, model, and age of the new car; as well as any additional cover you may choose. 

Check the details of your insurer on your car insurance certificate. Then call your car insurance provider on the number below. We’ll be there to help too.

Allianz – (01) 613 3990

Aviva – 1800 147 147

AXA – 0818 736 524

RSA – (01) 290 1926

Zurich – 053 915 7775

Here’s a handy checklist of what you’ll need to do:

1. Take note of the time, date and location
2. Make a record of what happened
3. Get the name and contact details of the other driver, and any witnesses
4. Take note of the licence plate(s) of the other car(s) involved
5. Take pictures of any damage
6. Note any injuries
7. You'll need to call the police if: 

· The other driver(s) left the scene without providing their details

· You suspect the other driver(s) may have caused intentional damage

· You think the other driver(s) could be uninsured

· You have reason to believe the other driver(s) is under the influence of drugs or alcohol