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Your Journey, Protected - Choosing the Right Belfast Car Insurance

Belfast and Northern Ireland as a whole, once had a reputation for having very expensive car insurance compared to other parts of the UK. Thankfully, this has changed in recent years and it’s now much easier to find cover at an affordable price.

If you’d like to get Belfast insurance quotes now, then simply click the green button.

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Did you know…?

Belfast and Northern Ireland residents have benefited in recent years due to more mainland UK companies providing cover for those who live there.

Why Belfast Car Insurance Is Necessary

Your car needs to have third party only insurance to be road legal when driving in Northern Ireland, just as the rest of the UK. Getting a good car insurance policy will not only make your vehicle legal to drive but also give you peace of mind.

Types Of Belfast Car Insurance

The selection of your car insurance type has a significant influence on the level of protection you receive. The main types offered in the UK are:

  • Third-Party Only Insurance: This is the most basic form of car insurance and fulfils the minimum legal requirement in the UK. It caters to injuries to others and damage to other people's property, but doesn't cover damage to your own vehicle.
  • Third-Party, Fire and Theft Insurance: This insurance is an upgrade from Third-Party Only coverage, providing additional protection against loss or damage to your car due to fire or theft.
  • Comprehensive Car Insurance: This provides the most complete coverage. It comprises all the features of Third-Party, Fire and Theft policy, and can also cover the cost of repairs or replacement of your car, regardless of who was responsible for the accident.

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Did you know…?

Location isn't the only factor that affects the price of car insurance in Belfast. Things like your age and the value of your vehicle are very important considerations too.

Why You Should Get Belfast Car Insurance Quotes Online

Reasons to get Belfast Car Insurance quotes online include –

  • They allow customisation of search results based on individual needs, such as coverage type and excess amount, for a personalised experience.
  • These services don't require commitment or purchase; they can be used as research tools.
  • They promote competition among insurers, often leading to better pricing options.
  • Users can take note of extras included in some policies, like breakdown cover and legal protection.
  • Insurance comparison websites provide guidance and simplify the overwhelming process of looking for insurance.
  • The real-time comparison of prices from various insurers aids in making an informed decision.

Additional Types Of Belfast Car Insurance

As well as the main types of Belfast Car Insurance, you can also find –

  • Windscreen Cover: A clear view is crucial when you're on the road. This cover ensures your windscreen's protection against any damage.
  • Excess Protection Cover: Need to make a claim? Don't fret about the cost of your excess. This cover's got your back.
  • Key Cover: Lost keys or stolen ones, this cover sorts out the cost of replacement and the locksmith's charges.
  • Legal Cover: A legal dispute from a road incident can be a financial burden. This cover is there to lighten that load.
  • No Claims Discount Protection: Make a claim without worrying about your no claims discount. This cover ensures it stays intact.
  • Foreign Use Cover: Fancy driving abroad? This extends your cover overseas, offering the same level of protection as you enjoy back home.
  • Breakdown Cover: Car troubles mid-journey? This add-on offers roadside assistance whenever you need it.
  • Uninsured Driver Protection: An uninsured driver hit your vehicle? This cover ensures you're not left out of pocket, protecting your excess and your no claims discount.
  • Personal Accident Cover: If a severe accident happens, this cover provides financial support for you or any named driver for certain injuries.
  • Misfuelling Cover: Put the wrong fuel in your car by mistake? This cover shields you from any subsequent repair costs.
  • Courtesy Car Cover: If an accident sends your car to the garage, this cover ensures you're not left high and dry by providing a courtesy car.
  • Child Car Seat Cover: In case of an accident, this cover provides funds for replacing any child car seats, even if there's no visible damage.

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Did you know…?

Getting quotes for Belfast car insurance is a very quick and easy process.

Belfast Car Insurance - Saving Money

Great ways to save money on Belfast Car Insurance include –

  • No Claims Discount: Insurers may offer discounts to drivers who have not made a claim in a while. The longer you go without making a claim, the larger the discount could be.
  • Higher Excess: Agreeing to pay a higher voluntary excess (the amount you pay towards any claim) can lower your insurance premium. However, ensure that you can afford the excess in case you need to make a claim.
  • Limit Optional Extras: While optional extras can provide valuable additional coverage, they also add to the cost of your premium. Make sure any extras you choose are truly necessary.
  • Maintain a Good Credit Score: Some insurers consider credit score when determining premiums. A good credit score can demonstrate that you're reliable and may lead to lower costs.
  • Advanced Driving Courses: Some insurers may offer discounts if you've completed an advanced driving course, such as those offered by the Institute of Advanced Motorists.
  • Review Your Coverage Annually: As your life changes, so do your insurance needs. Review your policy annually to make sure you're not paying for unnecessary coverage.
Belfast Car Insurance Annual Average Premium
Region Postcode Premium*
Northern IrelandBT£675.32
Reference – Data from Quotezone.co.uk, this data uses a random sample of over 100,000 UK car insurance policies from January – May 2024.

Get Belfast Car Insurance Quotes Today!

Comparing tailored quotes is the secret weapon for zeroing in on the best car insurance. Here's the roadmap:
  • Firstly, you input your personal details - they assure absolute data protection.
  • Then, share your vehicle's specifics - every detail leads to a better fit.
  • Fill in your current insurance particulars - it's crucial for personalised recommendations.
  • Sit back as specialist insurance providers connect with you offering tailored quotes.

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Belfast Car Insurance FAQs

Is car insurance in Belfast cheaper than the rest of the UK?

It’s certainly become easier to find affordable cover in recent years as a growing number of mainland UK-based providers now offer cover to NI residents. However there are more factors to consider than just your location. Your age, occupation, value of your car and driving experience will all play a big role in how much you pay for cover.

Does UK car insurance also cover driving in Belfast and Northern Ireland?

Yes, your UK policy will cover you for driving in Northern Ireland too. However if you’re moving there permanently, you will need to inform your insurance provider of this.

Do I have to pick an NI-based insurance provider when getting Belfast car insurance?

While there are a number of Northern Ireland-based insurance providers, you’re not limited to them as many mainland UK providers now offer cover to NI residents too.

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