The Basics of Motor Insurance in Ireland

Motor insurance in Ireland is effectively the same as it is in England. However, Ireland is a different country and does not make up part of the United Kingdom in the same way as Northern Ireland does. Motor insurance in Ireland has been a mandatory factor since 1933 and applies to any vehicle being driven on Irish highways.

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Unlike England, motorists in Ireland are issued with a disc when they purchase motor insurance that has to be displayed on the windshield in the same manner as a UK road tax license. In addition, motorists are issued with an insurance certificate which must be kept in the vehicle at all times. Although it is not a criminal offence to drive without the certificate, any motorist stopped by the police in Ireland will be given 10 days to surrender their insurance details for validation purposes or they could face charges afterwards.

Like the rest of the UK, drivers in Ireland are expected to carry the compulsory minimum level of motor insurance. This relates to third party insurance where bodily injuries or property damage sustained in any road traffic accident to another person will be covered.

There are two main variations to third party motor insurance. The first is third party (fire and theft) insurance which not only covers other vehicles and drivers, but also assures an insurance payout if the policyholder has their car destroyed by fire or lost to theft. Furthermore, residents in Ireland can also purchase comprehensive insurance which offers blanket coverage and will cover the cost of repairs to the vehicle of a policyholder as well as any third parties.

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