Compare Car Insurance Quotes NI 

Compare the market car insurance NI, You could save up to £530 *, All types of cover available, Easy Form for multiple quotes

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Compare cheap car insurance quotes from leading NI car Insurance providers including

Who are Insurance Quotes NI?

Insurance Quotes NI is an independent price comparison site dedicated to customers in Northern Ireland, we have been providing this service since 2016.

What can we do for you?

We’re fully dedicated to helping Northern Ireland households reduce their living costs. This means helping people get better deals on those services that we can’t do without, like insurance, gas and electricity.

Save up to £530 on their car insurance1

Save up to £201 on your NI Home Insurance2

Pay less than £239 on their motorbike insurance3

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Featured Article In The Belfast Telegraph - How to get travel insurance for less.

Compare the market to find cheaper car insurance in Northern Ireland

Last Review June 2024 by Insurancequotesni Editorial Team

A paper released by the Northern Ireland Assembly Research and Library Service in 2010 sought to explain the discrepancies in the cost of NI car insurance, compared to other parts of the UK. One of the suggestions put forward was that consumer inertia was a probable contributing factor to expensive car insurance in Northern Ireland. They further found that by comparing the market for car insurance, you could make an average saving of as much as  £267

Quote From Scoping Paper  "...even with our higher premiums, consumers who shop around could save as much as £267‟

Insurance Quotes NI Insurance is a comparative website that deals exclusively in providing insurance quotes in partnership with Quote Zone for NI residents. Finding the best deal on car insurance NI involves comparing the Northern Ireland marketplace. The offers change constantly, so it also makes sense to check other options available when policy renewal time arrives. Some brokers keep discounts for new customers rather than passing them on to existing loyal customers.

Are you Driving in NI Illegally?

Most car insurance Northern Ireland car insurance policies provide cover for the 3 most common requirements of usage.  Driving for social domestic and pleasure only (SDP). SDP plus commuting to work. SDP, work commuting and using your vehicle for business use, example client site visit. 

With new demand for car courier services, some insurance providers such as Admiral NI are now starting to provide a 4th category. This new category is known as hire and reward car insurance. Check your policy and look for one of the following main categories or 'class of use' listed below. If you are using your car or van for hire and reward, then you will need specialist hire for reward insurance.

  • Social Domestic and Pleasure (SDP)
  • Social, domestic, pleasure and commuting : Also covers commuting to and from work only. If you need to use your car to visit a client for example, you will need business car insurance 
  • Business : Includes using your vehicle for business (not just commuting to and from work)

Did you Know : Northern Ireland insurance company could refuse a payout if the circumstances of your claim does not match your policy usage? For example, driving to work with only SDP cover.

How Much is Car Insurance in Northern Ireland?

The cost of Northern Ireland car insurance will depend on a number of factors. The factors that have the most influence will be the car category and the history of the proposed driver to be insured. Cars that fall within the higher insurance categories will attract a higher premium. Likewise, drivers that have made previous claims or have notched up penalty points or convictions will also be subject to higher premiums. 

Other factors that you have no control over will also play a role.  Age is a good example, with young drivers under 25 having to shoulder higher premiums as they pose additional risk to older and more experienced drivers.  To a lesser extent your post code will also have an influence on your final premium, if you happen to live in an area of high crime then expect to pay a slightly higher premium.   Car insurance also tends to be more expensive than in England, but the gap is now closing as competition between insurance providers is picking up and particular types of claims are being capped. 

How to Get Cheap Northern Ireland Car Insurance Quotes?

When you select the quick quote button you will be redirected to QuoteZone where you will be prompted to complete one simple form which in turn will result in you receiving multiple quotes listed from least to most expensive to aid comparison. No extra charges are added to these quotes, they will be coming direct from a panel of NI insurance brokers. You are now free to compare both prices and policies from leading insurance companies, and it is ultimately your decision whether to proceed to the booking stage either direct from the broker site if they are set up for secure payment processing, else over the phone. But ultimately it will be you that decides the preferred method to finalise the transaction. 

Is monthly Car Insurance Available?

Most brokers will allow you to spread out the premium payments over a 12-month period. If you only need car insurance for a month or temporary insurance then you need to try a broker that deals exclusively in short term insurance, follow this link for a quote for temporary van or car insurance.

Is Young Driver Car Insurance Available?

Car insurance, whilst more costly for young drivers and learner drivers, is available. Insurance Quotes NI can provide you with choice of quotes first time driver and student car insurance on a temporary basis.

Compare the NI market for the best car or multi car insurance deal

If you compare Northern Ireland insurance companies, you will find that most offer similar cover, but with differences in limits or what they include and the premium price. Do your homework and get multiple quotes and find a good deal for you or your business insurance requirements

Can I drive my car without MOT if it is booked in Northern Ireland?

The PSNI have an agreement in place not to prosecute motorists in NI if they are found to be driving without a valid MOT, but only if they can show proof that the vehicle has been booked in for the MOT test and the vehicle is roadworthy and not subject to SORN. This is discretionary and may be revoked if the backlog is cleared, so please re-check with the PSNI if you are considering driving without an MOT.  

Does Car Insurance NI cover Driving in England?

NI Car insurance provides cover for driving in England, Wales and Scotland. However, if you relocate from N Ireland, you must inform your insurance broker of the change of address.

Does Car Insurance Northern Ireland cover Driving in the South of Ireland?

Yes, NI car insurance will provide the minimum of third party when driving in the south of Ireland, plus driving in Europe. In the post Brexit era, an agreement has also been reached that removes the green card requirement for travel by car in the EU, which includes the Republic of Ireland.

Cover Available in all Parts of Northern Ireland

We have partnered with QuoteZone, The panel of brokers can provide insurance quotes for Northern Irish residents living in any part of NI including  Belfast, Portadown, Lurgan, Newry, Carrickfergus, Derry, Coleraine, Ballymena, Newtownards, Lisburn, Bangor, Craigavon, Cookstown, Downpatrick,  Strabane, Enniskillen, Larne, Down, Holywood, Omagh, Fermanagh, Dungannon, Londonderry, Castlereagh and everywhere else! 

Hourly Car Insurance Now Available

A huge demand exists for temporary car insurance in Northern Ireland and as usual many of providers of short erm insurance will not provide cover to NI residents. One exception is Go Shorty, who will accept UK and NI licence holders in need of cheap hourly car insurance for any short period of time from 1 hour up to 28 days.

How Can Car Insurance Quotes NI be reduced?

In simple terms, if the underwriter sees you as less likely to make a claim, your premium quote would normally be lower than someone who is viewed as high or medium risk. Some of these factor you do not have control over, post code being a good example. If you need car insurance in Belfast and your post code is Belfast, then you are more risk than if you had a rural post code. Young driver insurance car insurance is also higher simply because it is a statistical fact that more claims are made by drivers under 25. In addition, the value of thee claims tend to be higher than the average motoring claim. Steps can be taken to reduce car insurance, for example. Some tips to lowering car insurance in Northern Ireland.

  • Security: provide additional security systems that are approved by the NI insurance industry
  • Parking: provide safe overnight parking
  • Occasional Driver: Look for policies based on annual mileage or pay as you go insurance policies
  • Drivers: Limit drivers to named drivers only
  • Repair Costs: Purchase a car that falls in one of the lower NI insurance categories
  • Accept a higher excess: The excess is the amount that you are liable for in any claim. Speak with your broker about increasing this amount in return for a lower premium. This shows that you are a responsible driver and a lower risk to the underwriter.

Best Car Insurance in Northern Ireland

Using price comparison sites should help in the journey of finding the best car insurance deal in Northern Ireland. Be warned that some brokers do not participate, so do some extra legwork and visit these NI insurance site individually.

You can also buy temp or short-term car insurance from 1 hour to 28 days.

Campervan Holidays in NI 

If you are resident in NI and need to compare caravan or motorhome insurance quotes, you are in the right place. If you are planning to visit Ireland, North or South and are considering hiring a campervan a wider range of options now exist. To help you find the best deal, we can help by comparing the main providers of  campervan hire NI, including Causeway Campers, Apollo and Bunk Campers in are travel services section.   

Popular NI Insurance Products 

Courier insurance has seen a steady increase, with hire and reward van insurance in big demand throughout the year. Self employed Motor mechanics, garage or car dealerships have a choice of insurance options under motor trade insurance NI. This can provide cover for small or larger traders in cars and vans, plus car dealerships in NI.  

The PSNI are on a drive to remove uninsured cars for the NI roads, making it safer for all of us. Whilst some drivers are intentionally driving without car insurance, others are either have the incorrect insurance or believe their insurance has been auto renewed. If you are found driving without the correct insurance apart from penalty points and fines, you will likely have your vehicle impounded and need impounded car insurance to regain custody.

Compare Car Insurance Quotes NI

One step in comparing the costs of Northern Ireland car insurance is getting multiple quotes. This involves visiting comparative websites like compare the market car insurance NI or Compare NI. 

*1 *51% of consumers could save £529.95 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices
quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from February 2024 data. The savings you could achieve are
dependent on your individual circumstances and how you selected your current insurance supplier.

*2.  **51% of consumers could save £201.06 on their Home Building & Contents Insurance. The saving was calculated by comparing the cheapest price found with the average of the next
fourteen cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from January 2024. The savings you could achieve are dependent on your individual circumstances.

*3. *51% of consumers who received a quote for Motorbike Insurance through this service provided by Seopa Ltd. in February 2024 were quoted less than £238.63. The price you could achieve is dependent on your individual circumstances.

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