Finding Insurance Companies

Have you had problems finding insurance companies in Ireland who offer savings on insurance? Very often residents come across brick walls when looking for competitive quotes on various types of insurance, particularly car insurance. When they apply online with some companies offering cover they often come to a stop upon reaching the part that states "not available to residents of Northern Ireland". If you want access to savings on car insurance and live in NI then you might want to take advantage of a specialist car insurance website to search for you.

Why do some insurance providers fail to offer those living in Northern Ireland insurance?
One of the factors taken into account by all insurance providers and which go towards setting the cost of the insurance is security. Many years ago, cars were often stolen and used as burning barricades; this was at a time when there was great unrest in NI. Of course, this meant that motorists in Northern Ireland were seen to be a greater risk and so insurance companies were unwilling to take a chance or premiums were very high to compensate for this.

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Things have changed thankfully and there are a number of companies who may be able to provide competitively priced cover for your car if you live in Northern Ireland.
Improve the safety of your car

As mentioned above one of the main factors is security and the safety of your vehicle. You may be able to cut down the cost of your insurance if you install such things as:
· An alarm system
· A tracking device
· An immobiliser
· Have the windows of your car etched with your registration
· Park your vehicle in your garage if you have one
· Park it under a carport on a driveway at the side of your home

Other ways you may be able to save on your premiums

You may also want to consider paying more in the way of excess on the policy. Insurance companies in Ireland ask that you pay the minimum amount but by offering to pay more, you may keep the premiums a little bit lower. In the event of a claim, you do of course need to pay the excess in a lump sum before the insurance company takes over so bear this in mind when choosing how much voluntary excess you wish to pay.