To compare car insurance in Northern Ireland you need to bear in mind the quality of the cover that is available in relation to the prices quoted. Although it can be tempting to run an internet search and just go with the lowest price, this could be a mistake if you are not getting the quality of cover that you were expecting.

What are the exclusions?

Some insurers may exclude windscreen repairs from their cover, but make sure that you familiarise yourself with the other things that are excluded from the policy. Does it cover personal belongings that are left in the car overnight, for example?

What is the excess?

The excess is the minimum claim an insurer will allow. So if you damage your car and the cost of repairing that damage is lower than the excess, you will have to pay for the garage or body shop bill yourself. A lower excess typically means a higher premium, as there is more chance that you will make a claim. When you compare car insurance Northern Ireland providers might differ significantly on this point. However, if there is a provider that you like the look of, why not ask if you can voluntarily have a higher excess so that you can benefit from a slightly discounted premium?

Are there any terms and conditions?

Finally, checking the small print may be a dull but necessary part of buying motor insurance. Does the insurer insist on certain security features like an alarm or immobiliser? Many modern cars have these features installed as standard, but if your car is an older model it could be worth fitting one to make the car cheaper to insure and of course more difficult to steal.

When you compare car insurance Northern Ireland providers might come back with similar prices for a similar level of cover. In this case, make a judgment on the level of service that they can provide. Having a 24 hour claims line can be very important when your car has been smashed up and you need reassurance that you are covered.

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