When purchasing car insurance it can be difficult to know where to start. There are so many different options out there, and they all offer something different.

In this blog post we will compare Northern Ireland insurance providers, and help you make a decision that suits your needs!

It’s always important to compare prices between insurance providers – whether for car insurance NI, pet insurance NI, travel insurance and especially if you are a young driver. In that casein can take a great deal of effort to find a good deal, or at least a competitive quote.


Many drivers in Northern Ireland are often confused as to how they can get the right deal on car insurance, and that’s why we’ve created this blog post. We’ll give you an overview of what to look for when comparing car insurance quotes and offer some tips so you know where to start with your search.

This post is for drivers who are looking to compare car insurance in Northern Ireland. It will walk you through what steps to take and the best ways to find – potentially – a cheaper rate from an insurance company. 

Next steps

Drivers need to know that there are some very important things they want to consider before choosing their insurance company. They should look at how much coverage they can afford, whether or not they have any dependants such as children, and if it would be worth paying extra for an additional driver on your policy. This blog post offers tips on finding the most suitable deal for you from insurance companies.

As a driver, you know that your car is an important part of your life. To protect your investment and maintain the safety of yourself and those around you on the road, it’s essential to have insurance for your vehicle. But how do you go about comparing different car insurers in Northern Ireland? And how do you company car insurance quotes? This blog post will provide some tips to help you get started. 

Northern Ireland car insurance

When looking at car insurance Northern Ireland there are some important facts to bear in mind.

In Northern Ireland the cost of insurance is usually higher than it was in most other regions in the UK. This is because of a lower number of insurance companies in the market compared to mainland Britain. This means that there is less chance to compare your car insurance quote with another insurance provider, which is usually the way you can get cheap car insurance – by trying to compare car insurance quotes.

A general survey in 2011 conducted by the Northern Ireland Assembly shows drivers are fairly young in Northern Ireland . Young drivers are often considered high risk drivers – and more likely to be involved in an accident – meaning higher car insurance prices.

When looking at car insurance NI, remember that the Northern Ireland insurance market which produces higher premiums, so it makes more sense shopping around and comparing multiple offers, even in a smaller pool of insurance providers, to try to get cheaper insurance cover.

Arranging Northern Ireland car insurance

If you plan to drive in Northern Ireland you can arrange car insurance the same as if it were your home country. This is not necessarily the case when you go through Ireland on the Irish border you have to carry a green card to prove you are insured.

And this is why you need it…

Car insurance is a necessity in Northern Ireland, as in the rest of the UK, and it’s important to be diligent about finding the right policy for your needs. The tips in this blog can help you find car insurance that will work with your budget while also meeting all of your coverage requirements.

Remember, before you purchase any type of auto or home insurance, make sure that you shop around so that you know what every company offers as well as their prices. You want to avoid paying more than necessary each month without getting adequate protection from an unreliable provider; this could lead to significant financial losses should something happen! Make sure that you keep these things in mind when shopping for car insurance in Northern Ireland today.

What might change the premiums further?

Even if you can find insurance providers that will offer car insurance in Northern Ireland, there may be some other factors that affect your representative cost savings.

So your current insurance supplier will be linked into a network of car insurance companies that share data on claims, insurance fraud, crime rates and the like. Your individual circumstances will also help, say if you are an experienced driver with good driving habits and a good driving history – that will help you get the cheapest price.

You may be able to reduce your premium by having a higher voluntary excess as well.

Good for your purse too

So, it is worth shopping around to save money on your car insurance in Northern Ireland. Most journeys are now online so you just need to add in your personal details and see if you can get the most competitive price. Remember that the cheapest prices quoted may not be the best cover, so perhaps look at the next five cheapest prices and read up more on them.

Other factors

What about add-ons? Do you need breakdown cover, and is ti better to buy it tied into insurance, or as a stand-alone? You will need to check your policy wording and look at prices there. The same goes for ferry cover or ferry transportation if you travel to the mainland. On a like-for-like basis, what does the current insurer offer?


The most important thing you can do is shop around for the best deal. If you find a company that offers lower premiums, or better coverage at an even cheaper price, then it’s worth looking into their offer to see if they are right for your needs. It doesn’t matter how good a policy looks on paper; what matters is whether it fits in with your budget and lifestyle. You should also make sure to read any fine print before signing up so that there’s no surprises later down the line!


Emerald Life has its registered office in England and Wales and is authorised and regulated by the Financial Conduct Authority, firm reference number 666615. It is registered as a limited company in England in Companies House and is directly regulated and authorised given its registered office in England. Companies authorised and regulated by the Financial Conduct Authority can be found at the Financial Conduct Authority’s website – fca.org.uk.

Car insurance for NI residents – FAQs

Is car insurance more expensive in Northern Ireland?

When looking for car insurance in Northern Ireland there are important things to know.

In Northern Ireland, the cost of insurance is higher than it was in other regions of the UK. This is because there are fewer insurers offering insurance in this region when compared to those found on mainland Britain and not just for motor – home and travel as well have the same issue.

This means that it is very difficult to compare your car insurance quote with another provider, which is usually the way to get cheap car insurance – by trying to compare quotes, as there are fewer of them and so the competition – which usually drives down prices – is lower.

When looking at car insurance NI, remember that the Northern Ireland insurance market produces higher premiums. To save money on your auto coverage, you can shop around and compare with multiple providers even in a smaller pool of people who provide this form of liability and inconvenience protection.