Car insurance

We help you find the right type of cover, at the best price for you.

Whether you have one car or five, classic car or camper van, even teenagers looking to insure their first set of wheels, we can help. Choose from Multi‑Car, Single Car or our Black Box Insurance, LittleBox. Once you’ve figured out which car insurance policy is right for you and your family, you just need to decide which level of cover you need.

Third party

This is the most basic level of cover as required by law. If you’re involved in an accident, we will pay out to the third party involved but you won’t be compensated for damage to your own vehicle.

Third party fire and theft

As well as paying out to a third party if you’re involved in an incident, this level of cover will also protect your car from damage caused by fire or theft. However, it will not pay out if your car’s damaged in another way such as a bump or crash.

Comprehensive cover

This is the most complete insurance you can buy; it includes Third Party, Fire & Theft and will pay out to repair or replace your car if it’s damaged in an accident or suffers malicious damage.

Need more information? Read our ‘which level of cover?’ guide

If you have more than one car, come to us direct as you won’t find Admiral MultiCar on comparison sites.

What do I need to get a car insurance quote?

We cover the whole of the UK and Northern Ireland and it’s quick to get a quote — it only takes five minutes. Here’s the information you’ll need to hand when you get a quote:

1. Car details

Don’t worry if you don’t know your car registration, just enter the make, model and year it was made and we’ll find your car.

2. Driver information

Including names, dates of birth and driving licence details. Any motoring claims or penalty points you or your named drivers have. Claims information for three years and motoring convictions for five.

3. No Claims Bonus

This means a discount for you, so make sure you know how many years No Claims Bonus you have. You should be able to find this on your existing policy documents, if not your previous insurer will tell you.

If you are looking for more advice why not take a look at our related guides.

What affects insurance premiums?

There are loads of articles online telling customers how to get cheaper car insurance, but with every insurance provider rating on different things, what actually affects the amount you pay for insurance?

At Admiral, we look at factors such as your age, driving experience, driving record and the type of car you drive.

Every car in the UK is placed in an insurance group ranging from 1 to 50, 1 being the cheaper end and 50 the highest with the likes of sports cars. But it’s not as simple as a cheap car = cheap insurance, the groups also take into account driving style.

Quickly compare cheap car insurance quotes

Like death and taxes, car insurance is unavoidable if you want to keep your vehicle on the road and the right side of the law.

Fortunately, calling round dozens of insurers for a quote has been consigned to history — with GoCompare you only need to fill out a single form with your personal information, details of your car and any extra drivers you want to put on your policy.

Get informed

  • Find the cheapest car insurance groups
  • Rummage around in the Car insurance garage

How to get a car insurance quote

If you know your number plate it’ll save you time, but if not just choose your make and model and you’re on your way to quotes galore.

Next, you’ll need to let us know:

  • Your car’s value
  • How much no-claims bonus you’ve amassed
  • Your annual mileage
  • Usage — social, commuting or business
  • Your occupation

Quotes that cater to you

Once you’ve got some quotes to look at, you can narrow things down a bit if you know exactly what you want:

  • Choose your voluntary excess
  • Opt to protect your no-claims bonus
  • Decide whether to pay monthly or annually

Change any of these and you’ll get a fresh set of prices to fit your new answers.

Whether you need comprehensive insurance, third party fire and theft or third party only for just the one car or many, it’s easy to get the cover you need.

You don’t need to take our word for it either — when you get your quotes they come along with helpful information and star ratings from financial researcher Defaqto, so you’ll see exactly what you’re buying.

Need to know more about car insurance?

We’re committed to keeping you well-informed and on the road, so if you’re puzzled by any aspect of your policy, roll up the door to our Car insurance garage for guides, tips and help on all things motoring and car insurance.

Did you know…?

  • 67% of motorists pay the renewal price, potentially missing out on cheaper car insurance premiums[3]
  • 32% of drivers have been with their current insurer for three years or more[3]

Telematics (black box) policies, women’s car insurance, older motorists, modified cars, young drivers, classic cars, and learner drivers – it’s all here.

There’s also plenty to read and delight on wider motoring issues.

Vehicle security, flood cover, optional extras on your insurance, fronting, crash-for-cash, how quotes are calculated, claim rejections, how driving convictions impact on premiums and money-saving tips — peruse at your leisure.

Getting started with our car insurance comparison tool

What details do you need to get car insurance quotes?

To get car insurance quotes and start comparing, you’ll need to be able to tell us:

  • Your car registration number – if you don’t have it to hand, simply click ‘Find car by make and model’
  • Your expected annual mileage figures
  • Where your car’s parked during the day and night
  • What you use your car for, e.g. commuting, business use
  • Your main driving licence details

Compare car insurance deals with uSwitch

uSwitch is a free, impartial comparison and switching service – we’re not affiliated to any one insurer and we’ll only ask you for information that will help us get you the most accurate possible quotes.

How to get cheap car insurance

While there are many factors you can’t control when it comes to the cost of cover, there are some simple measures you can take to keep the cost down in your search for very cheap car insurance, including:

  • Paying a higher voluntary excess (the extra amount you’d pay in the event of a claim)
  • Limiting who drives your car to just yourself, or you plus a named driver
  • Parking your car in a garage or driveway away from the street
  • Keeping your mileage low (doing less than the average of 8,000 miles per year according to the National Travel Survey)
  • Fitting a security device such as an alarm, tracker, or immobiliser

For more ideas on how to reduce your insurance costs, read our car insurance guides.

With our comprehensive Car Insurance, you get cover for your vehicle that includes:

Uninsured driver promise

Our cover comes with peace of mind that if your car is hit by an uninsured driver, you won’t be penalised for it. As soon as we validate the details of the incident (including the other vehicle’s make, model and registration number), your no claims discount will be reinstated and your excess will be refunded to you. Terms apply

Small courtesy car

You’ll get a small courtesy car to help you keep going while yours is being repaired following a claim. There are a few exclusions so please check these. Check exclusions

Fire and theft cover

We’ll pay for loss or damage to the car caused by fire, theft or attempted theft.

Windscreen cover

A chipped windscreen doesn’t have to spoil your day. We’ll pay for the cost of repairing or replacing your broken or chipped windscreen or windows. We’ll also pay for any scratching to the paintwork that might have been caused by broken glass from the windscreen or windows.

Replacement child car seat

We will replace any child seats that are fitted to the car at the time of an incident, even if you can’t see any damage. You can’t be too careful with your precious cargo.

In-car entertainment equipment cover

This includes any stereo, sat nav, telephone and entertainment equipment, that are permanently fitted to your car.

UK cover extended to EU for up to 90 days

With our Car Insurance, you can drive away on holiday to the EU. No need to pay extra. Your cover is extended to any EU country for a total of 90 days within the period of your insurance as long as you are a UK resident. Great for a last-minute escape.

All cover details, exclusions, excesses, monetary limits and terms are clearly laid out in our Car Insurance policy booklets.

About Car & Box Insurance from Tesco Bank

Tesco Bank Car Insurance is arranged and administered by Tesco Bank and is underwritten by a select range of insurers. Tesco Bank Box Insurance is arranged and administered by Insure The Box Limited and is underwritten by:

  • Aioi Nissay Dowa Insurance Company of Europe Limited for policies coming into force on or after 01 June 2015, or
  • Catlin Insurance Company (UK) Ltd. and Great Lakes Reinsurance (UK) PLC. for policies coming into force prior to this date.

Uninsured driver promise — important points

When you claim, you may initially have to pay your excess. And, if investigations are still ongoing when your renewal is due, you may temporarily lose your no claims discount. But once we’re sure that the accident was the fault of the identified uninsured driver, we’ll refund your excess, restore your no claims discount and refund any extra premium you’ve paid for any temporary loss of your no claims discount.

Small courtesy car exclusions

To qualify for a courtesy car, your car must be repaired by an approved repairer. A courtesy car is not available if your car has been written off or has been stolen and is still missing. A courtesy car is not available to customers where the vehicle insured is a van.

Key cover — important points

If you have key cover elsewhere, the policy benefits may overlap. Please check how this may affect you.

Compare Car Insurance Ireland

Compare car insurance Ireland is an insurance comparison engine for Irish residents. Our mission is to find you the cheapest car insurance policy. We recommend that you compare like with like when reviewing online car insurance quotes. Ensure you understand the benefits and criteria of each policy as this may vary depending on the insurance provider. The insurance industry in Ireland is fiercely competitive as a result you may be able to get a much better deal by shopping around.

We have drawn up a list of cheap car insurance tips below for you to review, which we hope will help reduce your insurance premium. Please also read our glossary of terms; this will give you a better understanding of how the policies differ and what is and what is not covered. Motor insurance quotes are generally based on type of car, engine, location, driving history, age and annual mileage. Compare motor insurance prices today in Ireland for great deals!

Cheap Car Insurance

Review our article on cheap car insurance below. We hope that these tips will help you find the most competitive car insurance quote. It is essential to know what to look for when buying car insurance. This guide should give you a better understanding on ways that you can reduce your premium.

Policy downgrade
If your vehicle is older than 10 years you could look at downgrading your car insurance policy from comprehensive to a third party fire & theft policy. The amount you save may not be significant however it may be worth looking at.

Bus, Luas or train
You may be eligible to avail of a discount if you take alternative transport to and from work rather than using your car. In some circumstances the insurance provider may request evidence of a travel pass or tax saver commuter ticket.

Motor insurance excess limit
If you increase the excess limit on your car insurance policy this may help to reduce your premium. The excess limit is the amount you must pay towards the costs of the claim, this criteria may vary from insurer to insurer.

Multi cover discounts
You may get a discount of up to 10% if you purchase your car and home insurance through the same insurance company. Always read the terms and conditions carefully.

Add your spouse
You may wish to consider adding your partner, wife or husband to your motor policy as this may reduce the price of your premium.

Spouse’s vehicle
You may qualify for a discounted premium if your partner, husband or wife has a car insured in his or her own name or uses a company car.

Your occupation
If you have recently changed your job or career to a role that involves less driving this may help reduce your insurance premium. Certain occupations are categorised as high risk, mainly those that involve a lot of annual mileage compared to a job working in an office.

Value of your vehicle
Ensure you cover your car for the correct value, as this will affect the cost of your annual premium. If you have over valued your car you may be paying too much alternatively if you have undervalued your car this may give rise to issues in the event you need to make a claim. As little as a €1,000 difference in the value of your motor may put you into a higher threshold category, if you are in doubt please give us a call and we will be delighted to help with your query.

Step back bonus
What is a step back bonus? “Step back bonus” is a benefit that you can add to your motor insurance policy that may allow you to retain a portion of your “no claims bonus” in the event you need to make a claim. Criteria may vary depending on the insurance companies terms and conditions. If you decide against this additional benefit it may reduce your car insurance premium. Although we would suggest you add the “step back bonus” to your policy as it may save you money on your premium should you need to make a claim in the future.

No claims discount
The higher the number of years your motor policy remains claims free the better chance you have of availing of a cheaper premium compared with someone that has made a number of claims over the past few years. If you are considering switching you insurance, ensure the new provider will accept your full no claim discount.

Car alarm
Vehicles with immobilizers and alarms may get a discount compared with those without. If your car does not have an alarm we would recommend getting one fitted by an approved garage.

Garage, driveway or public street
Some insurance providers may offer a discount on your premium if you park your vehicle in a secured garage rather than on a public street. Review the options to see how much you can save.

Type and model of car
If you are in the market for a new or used car we would suggest shopping around before purchasing as your insurance premium will be based on the size of the engine and price of the car.

Buy online
Consider buying online as some insurance providers may offer discounts for web based sales. Always read the terms and conditions carefully.

Shopping around
The best way to reduce your motor insurance premium is to shop around. Ensure you are comparing like with like and always read the terms and conditions carefully. We hope you found our car insurance tips useful and informative.

Car Insurance Ireland

We recommend that you review the glossary of terms and the motor insurance Frequently Asked Questions below before taking out an insurance policy. These FAQ’s should provide information, which will enable you to make a better and more informed decision before purchasing car insurance.

Can I get a quote for car insurance online?
Yes simply complete all sections on the online proposal form and select the tab “Quote Me”. Should you have any questions please phone and we will do our best to help.

How soon will I be insured to drive?
Provided the insurance proposal has been approved and payment has been made, cover can be put in place immediately.

How do I complete the online application form?
Please answer all questions and disclose material facts. Any information that may influence the insurance companies approval of your application is a material fact. This information will be used to calculate the car insurance premium. Please note your policy will be cancelled if you do not disclose all material facts and information.

When will the insurer send out my insurance Disc and Cert?
The insurance company will send out the policy schedule, insurance disc and cert within 7 working days of purchase. The insurer will require a signed proposal and confirmation of your no claims discount.

How do I make a claim?
When you purchase a policy the claims number will be displayed on your documents. Alternatively you can contact the insurance provider directly and ask to be put through to their claims department.

What should I do if somebody wishes to claim from me?
Contact your insurance provider directly to go through the details.

Do I receive a replacement car in the event my car is damaged and is being repaired?
Insurers will generally offer a replacement car while your vehicle is being repaired, however this will depend on the insurance company. Always read the terms and conditions carefully to ensure you understand the criteria.

If I accidentally crash my car or it is a write off, how much do I receive?
Depending on the type of policy you will receive the current market value for your car less the excess amount.

What is car insurance excess?
In the event you need to make a claim, you will have to pay an excess amount towards the cost. This will be outlined in your policy, excess limits generally range from €100 to €500.

What is a no claim discount?
For every year that you do not submit a claim you will get a discount, generally up to 5 years.

Is there cover that will protect the no claims discount?
Yes cover is usually available, this benefit can be added to your policy for an extra premium.

What do I need to do if my car is stolen? 
You need to contact both the insurance company and the Garda as soon as possible with details.

What is breakdown assistance?
This cover is generally available when your car breaks down or will not start. You will need to contact the insurance company, they will send out a mechanic to take a look at your vehicle. If they are unable to repair your car they will tow it to the nearest garage and help you to complete your journey. Always read the terms and conditions carefully, as criteria may vary from insurer to insurer.

Are lost keys covered?
This will depend on the type of policy you have. If your keys were stolen from your house by burglars most insurance companies will contribute towards the cost of replacing the locks on your car. Always read the terms and conditions carefully.

If my keys are in the ignition and my car is stolen am I covered?
No, if the keys were left unsecured or unattended there will be no cover.

Can I drive somebody else’s car?
This will depend on the level of cover you have in place.

What type of claims are excluded?
Wear and tear, routine mechanical faults, loss in value, tyre damage or punctures, parking fines, clamps and Garda fines, speeding fines are not covered.

What is window screen cover?
Windscreen cover is generally included automatically under Comprehensive policies and can usually be added for an additional premium to Third Party Fire and Theft policies. This benefit will cover damage or breakage to your windows. Remember to read your policy wording carefully.

What do I do if I am involved in an accident?
You will have to report the incident to the Gardai immediately. Take a note of the other vehicles registration number. Remember to exchange names, address, car insurance policy number, driving license details and the names of any witnesses to the accident. If you have a smart phone or camera take pictures for your own records should the insurance company or Garda require them for the claim. Notify the insurance company as soon as possible and disclose all details of the accident. If you receive third party correspondence, all letters and notices must be sent directly to the insurance company. It is advised that you do not enter into talks or return correspondence until first talking to your insurance company.

Can I add someone to my policy?
Yes, but conditions and limits may apply. Call the car insurance provider directly to find out what details are required.

What if I am refused motor insurance?
If you are refused car insurance by 3 or more insurers you can contact the Declined Cases Committee of the Irish Insurance Federation. They will provide you with details in relation to your options.

Car Insurance Online

We have outlined some motor insurance definitions to help you when reviewing car insurance quotes online. There are 3 main types of car insurance policies. You will need to consider the type of policy that best suits you, this will depend on a number of factors such as value and age of the vehicle and the cover level required.

Third Party Insurance is the minimum legal requirement and will generally insure you for claims resulting from another party due to damage caused by your car. This includes damage to the third parties car, their property and personal injury. This level of insurance will not cover damage or theft to your car. If you are in an accident you will have to pay the damages and repairs sustained by your car yourself. This type of policy may suit you if the following circumstances apply as it may reduce the car insurance premium:

• Cars with a low market value.
• Young drivers under the age of 25.
• No driving or claims history.
• Living in a high risk area.

Third Party Fire & Theft Insurance will generally insure you for the above benefits plus damage to your vehicle for theft and fire.

And finally Comprehensive Insurance, this is the widest level of insurance available. Fully comprehensive cover may be worth your while if your car is valued at €2k or more. Comprehensive car insurance will vary depending on the insurance company but most will offer the following benefits:

• Breakdown assistance.
• Glass and window screen cover.
• Damage or theft to personal belongings – items stolen from a locked glove compartment or boot.
• Cover for driving other peoples cars once you have their permission and cover for a courtesy car in the event your car is being repaired by a garage or mechanic chosen by the insurance company.

Car insurance quotes and policies are provided by O’Callaghan Insurances. Automated decision making; if the event that you would like a decision reviewed please phone the above number to discuss. Thank you for visiting our Car Insurance Comparison Website, we hope that you were able to find the best value cover at a competitive price. Safe driving!

Car insurance policy types explained

It can sometimes be confusing trying to understand just what kind of car insurance you need. Essentially, there are three types of car insurance required by law. And you can choose between fully comprehensive, third-party and third-party fire and theft – the minimum cover being third party. Here we’ll explain the difference between these types of cover.

Third-party

Taking out third-party only will insure you against damage to other vehicles, people or property that you might harm in an accident that was your fault. But, it doesn’t cover your own car, or you. So, say if you were to crash into someone’s property, third-party insurance would cover the repair of the building, but not your car.

Third-Party, Fire and Theft

Third-party, fire and theft does all of the above, but it also protects your car if it was damaged due to a fire or stolen.

Fully Comprehensive insurance

This covers everything that third-party and third-party fire and theft does, but, it also covers you for many more eventualities and includes both you and your vehicle. So, if you were to be in an accident that was your fault, fully comprehensive cover would protect you from any third-party claims, and any repairs to your car including the value of it if it’s written off.