Northern Ireland Motor Insurance

Independent insurance surveys continue to show that Northern Ireland motorists of all ages pay more for their Motor Insurance than the rest of the United Kingdom. It is also the case that some insurance companies choose not to insure residents of the providence for various reasons which can be frustrating if you have either started the process of getting an online quote or picked up the telephone.

As with any type of insurance, it pays to shop around for insurance quotes either online or over the telephone from brokers, intermediaries and direct insurance companies, whether your policy is up for renewal or you are looking for the first time. Remember, it is important to obtain like for like quotations so that you compare cover, otherwise, it will be difficult to ascertain whether you are getting a good deal.

There are some simple measures to consider which can be taken to reduce premiums, such as parking the car in the garage or driveway overnight. If your car is not fitted with any type of car security device, it’s possible your premiums could be higher. Your local car security retailer or insurance provider maybe able to advise regarding what is suitable should you wish to secure your car. Alternatively visit the Thatcham website here for the latest vehicle security information.

Some insurance companies also offer the option of increasing your claims excess to reduce premiums, however, if you have to make a claim, the cost could be high. Although this may seem obvious, ensure that the annual mileage declared is accurate, otherwise, you could be paying more if the number of miles is overstated. If you need to add extra drivers to the policy, consider doing this for the period they are actually using the car assuming this is a short time period of a few months or so.