Car Insurance in Northern Ireland

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If you are moving and looking to get car insurance in Northern Ireland, you may come up against quite a frustrating wall of difficulties. Looking at the results of a search for car insurance and Northern Ireland on the internet and the main threat you can see is that most ' UK' car insurance companies cover the UK APART from Northern Ireland. Now, how someone can call themselves a provider of car insurance to the UK market whilst excluding one of the countries in the UK, we can't tell you, but this seems to be the way it is.

What is also interesting is that the brokers who say that they don't cover Northern Ireland have trouble explaining why this is so. We undertook an investigation into why this is so and received a variety of different answers.

One broker said that it was because the UK insurance regulators do not have 100% jurisdiction in Northern Ireland, but the spokesman for the broker was not 100% sure of this. Another broker thought that UK insurers were not happy about insuring cars in Northern Ireland due to the "troubles" in Northern Ireland, where cars were frequently used as bombs and were involved in bomb scenes, thus the risks to the insurers were high.

However, some UK companies do insure cars in Northern Ireland. These include the AA in Ireland, AXA and Endsleigh. Ultimately, you will have to phone around companies and they should tell you who does do Insurance in Northern Ireland. Otherwise, find insurance specialists in Northern Ireland.

What is certain is that Insurance premiums are higher in Northern Ireland than in the UK. This is partly due to the increased risks to insurers, but also due to the lack of competition amongst insurers, as the Northern Irish motor insurers do not have to compete with most UK insurers.

In order to get your premiums down, you should make sure that security on your car is as good as possible, that it is parked safely at night, and that all the other usual precautions are taken which traditionally lower premiums.

An interesting statistic that has recently caused premiums to increase further is that car crime in Northern Ireland appears to be on the increase. There have been increases in the theft of high performance or 'prestige' cars as well as an upturn in what is known as 'creeper' burglaries, which is where houses are broken into in order to steal the car keys. This has suggested that cars are being stolen to order in Northern Ireland. Further anecdotal evidence has suggested that Northern Ireland is being used as a transit route taken by any stolen vehicles between Great Britain and the Irish Republic.

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