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Insurance for when your car breaks down

Compare quotes with CompareNI- purchase a policy and get a free dash camera

You can compare car insurance quotes online with one simple form. If you find a quote that suits you and purchase a policy you will receive a free camera for your dashboard.

Already purchased through CompareNI.com, you can claim your free dash camera now by clicking here

A dash camera is an in-car digital camcorder which is designed to be mounted on your car windscreen and has a wide angle lens to capture footage of the field-of-view which is in front of the car. The camera will come supplied with an 8GB memory card along with charger, USB cable, windscreen suction mount, instruction manual. The video is set to record on a loop as you are driving and when the memory is full the camera will re-write over the old footage. If in the unfortunate event of a crash you should be able to watch back the last few minutes of recording on the video to see the incident unfold. Many people are using dash cameras as a form of evidence to prove they were not the person who caused the accident or to simply have peace of mind of what actually happened. Other people are using dash cameras to simply catch funny everyday events that happen them whilst out driving.

CompareNI or any associated third parties will not have access to any footage you may take. The camera is simply a reward to you for purchasing your car insurance policy through CompareNI.

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On CompareNI.com we compare up to insurance providers quotes in one go, just by filling in one form.

Our online panel of insurance providers is growing fast and they could provide insurance for nearly every type of car imaginable. Even if you are searching for classic car insurance, quotes for your SUV, or a 4x4, CompareNI.com could compare prices. We can help find great deals for almost anyone including over 50s, young drivers, women and learner drivers for a wide range of vehicles.

CompareNI's simple one-two-three quote system makes it quick and easy - just tell us about 1. Car 2. Yourself 3. What type of cover you want, and we'll give you quotes in just a few minutes! Your quotes are saved and you should be able to retrieve them another time if you aren't quite ready to buy there and then.

FREE Car Insurance Quotes for Northern Ireland with CompareNI.com

Getting a car insurance quote from CompareNI.com is completely free, and the premiums that you see have should have no extra charges added on to them - we simply show you prices direct from the insurance providers, and then the choice is yours! You could compare the price and some policy details on the results page, and then you could choose to buy online from the insurer's website, or you can buy by phone instead, depending on the payment options that insurance provider offers.

CompareNI.com has been built with you, the Northern Ireland motorist, in mind, because we only show you insurers that WILL quote for NI drivers. So, if you are fed up with car insurance deals that 'exclude Northern Ireland' you have come to the right place!

We could help you find car insurance no matter where you live in Northern Ireland including places such as Belfast, Newry, Carrickfergus, Derry, Coleraine, Ballymena, Newtownards, Lisburn, Bangor, Craigavon, Castlereagh, Cookstown, Downpatrick, Limavady, Strabane, Enniskillen, Larne, Down, Holywood, Omagh, Fermanagh, Dungannon, Lurgan, Londonderry, Antrim, Armagh, Tyrone, Banbridge, Maghera, and everywhere else!

Car Insurance Guide

Some people may find it a challenge to look for cheap car insurance. However, it is usually a good idea for people to understand the options available to them before they shop around. If someone understands the type of car insurance that would best work for them, they may then be able to compare car insurance of that type. This could potentially bring them a better deal than they might otherwise have found.

Everyone who owns a car should have car insurance

This is a legal requirement. A second driver may be able to drive another person’s vehicle if they are covered under the insurance terms that individual has in place. However, everyone who has their own vehicle in Northern Ireland and the UK should have some form of car insurance NI in place to cover them for anything that may occur.

The different types of car insurance that may be chosen

There are different options available when it comes to choosing car insurance. An individual who owns a car may consider the cost of replacing that vehicle or repairing it, and how much it is worth. This usually helps assess the best type of policy for that person to buy.

Third party:

This is the basic form of car insurance Northern Ireland residents may get. It usually covers the driver for any damage their car does to another vehicle if they are found to be at fault for causing an accident. It wouldn’t tend to cover the damage done to their own car, however.

Third party, fire and theft:

As the name suggests, this form of insurance provides cover for third party damage, but it also could provide cover for incidents of theft and fire damage. Thus if the car was stolen or set fire to, the car owner may receive a payout in accordance with the terms of the policy.

Fully comprehensive:

This may be a smart choice for someone who owns a brand new or expensive car that could cost a significant amount to repair after an accident or if it were stolen. The key aspect people may remember about this policy is that even if they were at fault for causing an accident, their insurance could cover the damage done to any other vehicle, as well as providing a payout for their own.

Shopping around to look for a good deal

There are many insurers on the market today, and any one of them may offer just the right deal a particular person is looking for with regard to car insurance. It could work well to perform an online comparison, because it allows an individual to compare different deals and prices from a range of different providers.

It could also work well to compare the small print. No two insurance quotes are likely to be identical in terms, which means a person could get a better price simply by comparing the minor details. If they ever needed to claim on their policy, they may look back and be glad they did this.

Temporary car insurance

This may be a good choice if someone only has the need to use a particular car for a short period of time. This form of insurance could be taken out for between one and 28 days. This form of insurance could be used in situations where someone has an opportunity to borrow a vehicle, either from a family member or a friend. They may not be covered by that person’s insurance policy, which means they may need to source an appropriate policy to provide the cover they need.

Again, shopping around could open the way to find car insurance cheap deals instead of paying more than might be necessary.

Driving a car for business purposes

While some people are given business vehicles to use in the course of their work, others are self-employed. If someone has their own business and they intend to use their regular car to make business journeys, their car insurance might need to reflect that. If it doesn’t, the individual may find any accident they have while on a business-related journey could render their insurance invalid. This is why it is important to make sure the proper insurance cover is in place.

Even if a person only uses their car for the occasional business journey, it is worth noting that journey may not be covered in terms of any accident or damage that may occur. Thus the proper insurance may need to be sourced from a company that could provide the right cover for the right situation.

Reducing the cost of car insurance

Shopping around could be the best way to reduce costs associated with any type of car insurance policy. By comparing details and prices from a variety of companies, it may be easier for an individual to assess whether or not they could be saving money by going with one company instead of another.

By assessing the type of insurance needed and the specific insurance company they might go with, the opportunity may be there to save money on a regular car insurance policy. This may be true regardless of whether that individual is renewing a policy on an existing vehicle, or looking for a new policy for a new car they have just bought.

Either way, it is probably easy to see the importance of looking for the best insurance for any car, regardless of age or condition.

Car insurance Q&A

Where to get car insurance quotes?

Getting a car insurance quote is usually relatively straightforward. A person looking for car insurance cover could contact individual companies to get a quote and they could then take up the quote of the company they feel happiest with. It could also be possible to search for car insurance quotes online by using a comparison company that might give several quotes from different insurers all in one go. A person might receive a renewal quote from their existing insurance company if they have had a policy previously.

Where to check car insurance?

A person looking for a new policy could check for a quote with any NI insurer. They could also check that a quote is competitive by looking to compare car insurance from a range of providers. This way they could see easily that a policy is around the same price or they could check to see if a renewal quote could be beaten.

Where is car insurance cheap?

There isn’t typically any guarantee that a car insurance policy could be cheap. However, there could be ways of reducing the price paid for insurance by using online tools like a comparison to ensure the price is as cheap as it can be. Often using a comparison to search for a cheap car policy could be the best way and could also save time.

Where are car insurance rates the highest?

Some people might think that car insurance rates are higher in a particular place but the best way of finding out for sure could be to compare car insurance. This way a driver could be presented with a range of quotes which may vary in price. They could then decide which one best suits their needs. It might be that at renewal a person is quoted a much higher rate for car insurance, in which case it could be preferable to shop around.

Where is car insurance mandatory age?

Car insurance in Northern Ireland is typically mandatory in order to drive a vehicle on NI roads at any age above the legal age of driving, assuming that a valid driving license is in place.

Where car insurance goes down?

It is generally assumed that car insurance goes down for drivers over the age of 25 but there is actually no guarantee that this is the case. Often the best way to check is to contact insurance companies or carry out a comparison online in order to find out the best and cheapest quote.

Which car insurance is best for new drivers?

New drivers might struggle to find insurance that is cheap but shopping around may really help someone avoid the very highest priced policies by checking against a range of others based on their needs. Each quote for an individual is unique so therefore there isn’t usually a prescribed best place to go for insurance for new drivers.

Which car insurance to get?

Getting car insurance might be a very individual choice as a quote could vary depending on a person’s driving experience and circumstances. Doing research in advance of taking out a policy by comparing different quotes could be the best strategy for getting a good deal.

Who pays car insurance claims?

When valid insurance is in place then it is typical that the company that offers the cover pays out any claim on a policy. An individual could be liable if the insurance isn’t valid for some reason following investigations surrounding a claim.

Who pays car insurance excess?

In the event of a car insurance claim then it could vary as to who pays the excess. If a policy holder is at fault then they themselves will pay the excess on the policy. This is the fee payable prior to any pay out being made. If that person is not at fault they may still have to pay the excess but it could be recoverable by the insurance company from the person that is determined to be at fault.

Who does car insurance cover?

Car insurance tends to be a legal requirement and it may cover the named parties on the policy. This could be the owner of the vehicle and anyone else they cite as a named driver on the policy. A policy might also cover people involved in an accident depending on the level of cover taken out and the nature of their injuries as well as the circumstances surrounding an accident.

Who needs car insurance?

A person that wishes to drive a vehicle on roads in Northern Ireland could usually require a car insurance policy in place.

What car insurance covers theft?

There tends to be different levels of cover for car insurance. In order to cover theft then a driver would usually need to opt for either comprehensive cover or third party fire and theft cover.

When does car insurance go up?

It really could depend on a person’s individual circumstances but having an accident or getting driving penalties could mean that a quote for car insurance could be higher than without those things in place.

When does car insurance start?

The date for car insurance starting is usually down to the individual driver. For a new policy they would typically set the date they wanted cover in place from. A policy usually runs for 12 months. If a person already has insurance in place then they could receive a renewal at the end of a policy that will tend to continue from the expiry of the previous cover.

Why car insurance premium increase?

A premium could increase if a person has an accident or if they receive driving penalties.

Why car insurance is important?

Car insurance could be described as important as it usually a legal requirement and also could offer valuable protection to vehicle owners and passengers.

How car insurance works UK

In the UK and NI then car insurance is usually mandatory by law. A policy could offer protection in the case of an accident, theft or damage and could pay out depending on who is decided to be at fault.

How car insurance companies make money

Car insurance companies tend to charge individuals a premium that relates to the costs of cover. They then usually work with other insurers to reach decisions in the event of an insurance claim.

Are car insurance brokers cheaper?

There are no guarantees that a car insurance broker is cheaper than going direct to an insurance company but it might be beneficial to compare car insurance in order to know for sure.

Are car insurance companies open on weekends?

It tends to depend on the individual company but typically a car insurance company could have weekend opening hours.

Are car insurance companies regulated?

Yes – by the Financial Ombudsman Service.

Are car insurance rates negotiable?

When a person is searching for car insurance they could negotiate on price ahead of taking out a particular policy.

Are car insurance premiums tax deductible?

If a car is used for personal use only then car insurance probably isn’t tax deductible. If used for business use as well then a proportion of the running costs associated with a business may be tax deductible.

Are car insurance premiums paid monthly?

Car insurance could be paid monthly or annually and this tends to be determined at the start of a policy. Monthly payments are likely to work out slightly more overall than if a person pays for a whole year up front.

Are car insurance quotes accurate?

In order to receive an accurate quote then providing as much information as possible up front could be important. Quotes are tailored to individual circumstances and if these aren’t accurate then the chances are the quote may not be either.

Are car insurance rates going up?

The cost of car insurance usually goes up in line with the cost of motoring. This could be added to depending on the impact of invalid claims on the overall insurance market.

*51% of consumers could save £200. We split the providers on our system into different categories. We then selected quotes from the high volume sales providers as well as quotes from other providers which returned a price. Based on UK insurance market share data made available by the ABI, by way of a weighted selection process, we selected the cheapest of either the high volume sales providers or other providers (“the cheapest selected quote”). We then compared the cheapest quote on our system against the cheapest selected quote. We then took the savings figure which 51% or over could have saved using that formula. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

*Purchase a car insurance policy through CompareNI.com and claim your free dash board camera ( Subject to Terms and conditions)

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Does your auto insurance go down when you turn 21 years old? Do you pay a lower car insurance rate when you become 25 years old? Does the price for auto insurance go down when you get married? Do auto insurance rates keep going down your whole life, as long as you keep a good driving record? I’ll tell you what you need to know, so you can make sure you get the lower auto insurance rates you deserve.




A question I would sometimes hear from customers was, “I have been insured with you for a while now, when will my auto insurance rates go down?” Unfortunately, expecting the cost of your auto insurance to automatically drop, because you have not had any claims, and you have been insured with your auto insurance company for a few years, is a false expectation. However, I understand why people make the assumption, if they don’t have any claims, their rates will keep going down.

Everyone starts out with high auto insurance rates, when they are first licensed. This probably makes sense to you, since the lack of driving experience results in a greater chance of accidents & claims. If you try to get your own auto insurance before you have at least 3 years driving experience, you will pay A LOT for car insurance, even if you have a clean driving record. But as you get older, (or in a few states, as you have more years driving experience)your rates become lower.

15 years ago, most people saw substantial drops in the cost of their car insurance when they turned age 21, age 25, or married, as long as your driving & claims record remained unchanged.

Back then (as long as it did not conflict with state law), married females age 21 or older, married men age 25 or older, single women age 25 or older, single men age 30 or older, would all receive the same adult rating, and the rating class would stay the same until the driver was older than 50 and retired. A 31 year old single man would have the same rating factor as a 45 year old married woman, and they both would have the same rating factor as a 26 year old married man.

Now, rating based on sex, age, & marital status is more complicated, and can vary significantly from company to company. Some auto insurance companies will slightly drop your rate as you get older. You may see a gradually lower rate from when you were age 16 to 19, at age 20, 21, 22, 23, 24 & 25.

These gradual rating plans make the price savings less drastic at the traditional age 21 and age 25 price breaks. As you get older, you may continue to see a slight reduction in price, usually in brackets.

For example, age 35-39 may have a slightly lower rate than age 30 to 34. If you get married at age 35, you may see your price drop a bit. If you get divorced at age 37, you may see your car insurance rates increase.

If you keep a clean driving record & claims history, you should see lower rating factors as you age, and even lower rating factors as you age and stay married. Some insurance companies start raising your rates again once you are age 70, and increase them as you get older, since people over age 70 have a higher incidence of accidents & claims .

Keep in mind this may not be true for all insurance companies. When I started working with auto insurance over 20 years ago, auto insurance companies all seemed to use the same rules. Now, there are big differences in how auto insurance companies rate car insurance, which is one of the reasons why shopping is so important to save money, by finding the insurance company which has the most favorable rating plan for you.

So, with the new rating plans, should you expect your auto insurance rate should continue to drop, until age 70, if you keep a clean driving record? Not really. Once you are over age 30, the savings is usually a few dollars, and your rates can actually be higher due to moving to a new zip code, getting a different car, getting divorced, etc. Even if everything about you stays the same, lower rates due to being older are usually offset by the regular rate increases imposed by auto insurance companies. This is because car insurance rates are linked to claims costs involving medical bills and car repair costs, which have a high rate of inflation.

Yet, auto insurance is very competitive, and the insurance companies are always devising new rating plans & discounts to give the best drivers the lowest rates, which is why it is so important to shop for car insurance each year. Auto insurance companies will sometimes lower rates & offer new discounts to existing customers.

But more often, a new rating plan with better rates will require your auto insurance company to start a new auto insurance subsidiary company, which will be marketed to new customers, and existing customers may have the opportunity to apply to the new auto insurance company, if they qualify.

In my experience, if you are 35 years old, insure with an auto insurance company & renew your policy every 6 months for 10 years, until you are 45, the rate increases over the 10 years you have been insured with the same auto insurance company, will make your auto insurance more expensive, even with lower rates due to age & a long term policyholder discount, than when you started.

You can’t expect to pay lower car insurance rates by not having claims & being a loyal customer by renewing your auto insurance policy each year. If you want lower auto insurance rates, you have to get them yourself by finding the best price for you by shopping with ALL the leading auto insurance companies each year.

Many people pay too much for their insurance because they never shop for better rates, or if they do shop, they don’t check the rates of enough companies. For a lot of people, the best auto & home insurance companies are the ones with the coverage they need at a lower price. With auto & home insurance, you don’t get better service or coverage because you pay more. Some of the best companies have competitive rates. Some companies charge twice as much as others for the same coverage. But no company has low rates for everyone, so you have to shop with all the leading companies, to find the company with the best coverage and best price for you. The ad below will take you to links to get online quotes from leading Home, Auto, Health, & Life insurance companies in your area. Choose the type of insurance, put in your zip, and start shopping now!




How long have you been insured with your auto insurance company? Have your rates gone down? Tell me about your experience. Comment on my facebook page. Follow me on Twitter for important insurance consumer news and new blog entries at CarInsWatch.See auto & home insurance company reviews rating each company’s pricing, claims handling and customer service for over 40 different companies; customer complaint analysis for the major insurance companies in each US State; term life insurance rate surveys and more, on my home page at smartshopyourcarinsurance.com.

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Hit the road with the right car insurance policy

Auto insurance is a must if you own a car. Most states require you to carry insurance, and without it, you face financial disaster if you cause a serious accident and get sued.

Car insurance can also pay to repair your vehicle if it gets damaged in a crash or natural disaster, like hail or wildfire, or is vandalized or stolen.

Car insurance coverage types

One policy can include several types of coverage.

Liability insurancepays for others' damage and injuries when you cause an accident. Most states require you to carry at least a minimum level of bodily injury and property damage liability coverage. See states minimum car insurance requirements.

The coverage limits are expressed as three numbers. Limits of 25/50/25, for example, would provide up to $25,000 per person injured in an accident, up to $50,000 of coverage for injuries per accident and $25,000 for property damage per accident. Remember, liability insurance pays out to other people; it does not cover you, your passengers or your car.

Personal injury protection (PIP) or medical payments (MedPay) coverage pays the medical bills for you and your passengers after a car accident, regardless of who caused the crash. PIP also covers lost wages and funeral costs. Some states require you to buy PIP or MedPay.

Uninsured motorist (UM) and underinsured motorist (UIM)comes to the rescue if you're hit by a driver who has no insurance or not enough coverage. UM pays your medical bills if you're injured in an accident caused by an uninsured driver. UIM kicks in if your medical expenses exceed the other driver's liability coverage limits. UM and UIM are required in some states.

Uninsured motorist property damage (UMPD)covers your car if an uninsured driver hits you, but the coverage isn't available in every state. Roughly one in eight drivers is uninsured, according to a 2014 Insurance Research Council report.

Collision coverage pays to repair your own vehicle after a crash. It's an optional form of coverage, although your car-loan lender might require you to have it. Collision will kick in if you hit a tree, for example. Or, if an uninsured driver hits you and you don't have UMPD, you could make a collision claim for your car's repairs. Any collision payment will be reduced by the amount of your collision deductible.

Comprehensive coverage has a misleading name because it applies only to certain circumstances. It pays out if your car is stolen (and not recovered) or damaged by a natural disaster, if you hit an animal or if your car is vandalized. Like collision, comprehensive is optional, but your lender might require it. Here too, a comprehensive claim payment will be reduced by the amount of your deductible.

Roadside assistance and other extras can come in handy in a pinch. Roadside assistance covers towing and emergency roadside service when your car breaks down. Rental reimbursement pays for a rental car while your car is in the shop after a covered accident. Gap coverage kicks in if the insurer declares your car a total loss, and the payout from the insurance company for the vehicle's actual cash value is less than the amount you owe on the car loan. See: Save yourself some car insurance grief: Buy gap coverage.

How car insurance rates are set

The price you pay for car insurance depends on the type and amount of coverage you buy, the deductible for collision and comprehensive insurance, the kind of vehicle you own and the characteristics of you and the other drivers listed on the policy. Here are the most and least expensive 2016 vehicles to insure.

Factors that insurers generally consider when setting your rate include:

  • Your driving record. Speeding tickets and other infractions increase premiums.
  • Your accident and claims history. There's no point trying to hide your previous problem. Insurers will access your C.L.U.E. report to find out your claims for the past seven years.
  • Your credit record. A good credit history helps keep premiums low. Insurers say there is a link between spotty credit history and the likelihood of filing claims. Not all states allow credit to be a factor in auto insurance pricing.
  • Your age. Rates are highest for teenagers because they are risky drivers. Their crash rate per mile driven is about three times that of drivers age 20 and older, according to the Insurance Institute for Highway Safety. Rates begin to drop around age 25, and you'll likely enjoy the best rates in your 50s and early 60s.
  • Your sex. Young women usually qualify for lower rates than young men, but the difference diminishes with age.
  • Where you live. Car insurance rates vary widely by state and also by ZIP code. Insurers base rates on where the car is garaged.
  • How much you drive. Your daily commute and annual mileage will affect your rate. The more your car is on the road, the greater your chance for a claim.

Shopping for auto insurance

Consider your assets when deciding how much liability insurance to buy. The state minimum requirements for coverage are too low for many people. Collision and comprehensive insurance are important for newer vehicles but usually aren't cost-effective for clunkers.

Shop around for car insurance quotes - rates, policy options and customer service vary by insurer. Insure.com's customer satisfaction ratings reveal which insurers get the highest marks.

And make sure you take advantage of discounts in order to lower your bill. Typical discounts include those for multiple vehicles on a policy, auto safety features, antitheft devices and good students. You might also be able to get a discount for paying in full, buying home insurance with the same insurer, or being a customer for a few years or more.

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Insurance settlements typically are not taxable, however there are exceptions to every rule.

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