Finding the right car insurance provider can be confusing for many residents in Ireland – there are simply too many options available. Understanding the different types of coverage that car insurance providers offer, and knowing how much they cost can help clear up most of the confusion. Below, you will find basic information on the different types of cover to help with your effort.

Third-Party Cover

Third party cover is the minimum car insurance cover required by law. If you are at fault in an accident, this type of insurance pays the other party for the cost of damages that he or she suffered, including property damage, injury, and death. It also includes coverage for the other party’s financial losses arising from injuries from the accident, including medical expenses and loss of income. Third party cover offers no pay-out for damage on your own car from an accident where you are at-fault, or for your losses in case of fire or theft.

Third Party, Fire, and Theft Cover

This type of cover protects you from the loss or damage of your vehicle through fire or theft. Optional extras may be offered, such as windscreen breakage cover, but damage from accidents where you are at fault is still not covered. Third party, fire, and theft coverage is a voluntary type of cover, and is the most popular form of car insurance in Ireland.

Comprehensive Cover

Like third party, fire, and theft cover, comprehensive coverage is voluntary, but unlike the former’s limitations, it practically covers you for almost any type of damage regardless of how it was incurred or who was at fault. This includes windscreen insurance, loss of personal belongings from the car, life/accident insurance, etc. When it comes to damages, comprehensive cover can provide a vehicle owner with complete peace of mind.

Insurance costs vary across the different types of coverage involved. Car insurance providers may offer different rates for their policies, despite offering the same coverage, so you have to be prepared to do some shopping around to find the best ones. There are many ways to do this, but the easiest way is to talk to an insurance broker who can manage the task for you. This will allow you to shop for the best car insurance policy at your convenience, with help from the most informed professionals.

Car Insurance Broker in Ireland

Trusted car insurance brokers like Simply Insure are adept at matching car owners with the right insurance providers to fit their needs. Contact them for car insurance quotes if you’re ready to move forward with your coverage purchase.



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