Getting affordable car insurance in Belfast, Northern Ireland is more expensive than in other parts of the UK. The major reason is limited choice.
Auto insurers in the region are few and because of this, there’s little or no competition.
However, finding affordable car insurance in the city is still possible. Shopping around for quotes from different providers is one step that can save you some money on car insurance in Belfast.
Do you know it’s illegal to drive without car insurance in Belfast? It is. And if caught, you would be made to pay hefty fines, and penalties and in some cases, serve jail terms. And I’m sure you wouldn’t want to risk that.
According to research, Belfast is the third most beautiful city in the UK and many of its breathtaking views can only be enjoyed while driving which requires auto insurance.
Ways Of Getting Affordable Car Insurance In Belfast
While having car insurance in Belfast is mandatory for drivers, there are ways you can cut costs on your car insurance premiums.
1. Choose A Car With A Small Engine
The first step in getting affordable car insurance in Belfast starts with the type of vehicle you have. A driver of a sports car or a 4×4 would be charged more on premiums compared to a driver of a car with a smaller or more compact engine. Opting for cars with smaller engines would reduce your car insurance costs in Belfast.
2. Park Your Car In A Garage – Security
Auto insurance providers access risks when determining how much you pay on premiums. Parking your car in a garage rather than on the streets reduces the chances of vandalism and auto theft. Informing your insurers about this could qualify you for discounts.
3. Avoid Infractions On Your Driving Record
Infractions like a speeding ticket or a DUI(Driving Under the Influence) can cause your monthly premiums to skyrocket. Avoiding these dents on your record while engaging in defensive driving can save you some money on car insurance.
4. Compare Quotes From Different Insurers
Comparing quotes is a sure way of getting affordable car insurance in Belfast. Auto insurance providers have different rating systems and so place different prices on policies. Shopping around for quotes would help you find policies that would suit your needs and budget.
5. Search For Discounts
This is another pocket-friendly step. Searching for affordable car insurance in Belfast does not end with comparing quotes and avoiding infractions.
Many auto insurance providers offer discounts to their customers e.g customer loyalty discounts, driving history discounts, defensive driver discounts, etc. Make sure you contact your agent to find which discount you qualify for.
Other ways you can cut costs on car insurance premiums include getting your full driving license, paying a higher excess, avoiding using your vehicles for business or professional purposes, and adding experienced drivers to your policy.
Types Of Car Insurance Coverage In Belfast
There are three types of car insurance you can find in Belfast having different levels of cover and premium costs. They are:
- Third-party fire and theft
- Comprehensive Insurance
Third-party insurance is the minimum required level of insurance needed to drive in Belfast.
This insurance type pays for damages and bodily injuries you cause to the other party when you cause an accident. It does not cover damages to you or your vehicle.
It is the most affordable car insurance in Belfast. However, we suggest that you purchase higher policies to protect yourself in events where you incur more expenses than the minimum insurance can cover.
Third-Party Fire And Theft
This is the most common type of auto insurance coverage in Belfast. Added to property damage and bodily injury coverage that comes with third-party insurance, it provides cover for your vehicle when it’s stolen or damaged by fire.
But note, third-party fire and theft will not provide any cover for you if you are at fault in an accident.
Comprehensive insurance is the most expensive type of insurance coverage. This type covers damages to the third party( both property and bodily injuries) and your vehicle no matter who is at fault in the cause of the collision.
Although comprehensive insurance provides most coverage in the event of an accident, it does not pay for the injuries you sustain(medical bills or expenses).
Driving Without Car Insurance In Belfast
All drivers in Belfast are required to carry at least the minimum liability car insurance (Third-party) when they hit the road. Failure to have car insurance is illegal and it is punishable by:
- A fine of up to 5,000 Euros
- 5 penalty points
- In some cases, disqualification from driving for some time
- Vehicle impoundment
- Jail term not exceeding 6 months, at the discretion of the court.
We are trying to find ways to cut costs, pay a whooping sum of 5,000 Euros is no way to do that and nobody likes a lawsuit. It’s best your purchase at least the most affordable car insurance in Belfast to save you from financial losses and penalties.
You must disclose all relevant information to an insurer when initially buying or renewing your insurance. Otherwise, the policy you buy may subsequently be deemed null and void.
If you are unsure whether certain facts are relevant, you should disclose them to the insurer and it is then up to the insurer to decide.
Factors That Affect The Cost Of Car Insurance In Belfast
The premium is the monthly or annual payment made to an auto insurance provider to cover risks. The amount you pay as premiums are determined by the level of risk your insurer considers you to pose as a driver.
There are some cases, where your insurance provider imposes an extra charge to a standard premium to reflect the additional risk assumed. This is called Loading. Auto insurance companies consider the following factors when deciding your premium:
The less experience you have behind the wheels as a driver, the higher your premium is likely to be. Drivers with full licenses are charged less whereas provisional license drivers pay more by hundreds of Euros extra on their premium.
When purchasing a car insurance policy, you would be asked a series of questions. One of them is to find out if you’ve driven and been involved in accidents. And they charge you based on your history. Good drivers ( with clean records) are charged far less compared to other drivers.
Belfast is a large city with over 330,000 residents and the majority of the population prefers to use private vehicles rather than public transport. More traffic in an area increases the risk of collision and so certain areas are charged more for car insurance in Belfast.
Size of your vehicle
Statistically speaking, faster and more powerful vehicles are more likely to be involved in an accident hence, are more expensive to insure.
Value of your vehicle
The value of a vehicle is taken into consideration when calculating a premium for insurance. New vehicles are more expensive to replace than old vehicles and will cost more to insure.
Generally, age functions as a prime factor that determines your insurance costs. Young and old drivers are considered high-risk drivers and consequently are charged more for health insurance.
Level of cover required
The type of cover you purchase could either lower or raise your monthly premiums. Third-party cover will incur a lower premium than comprehensive cover. Some auto insurance providers also offer optional extra forms of cover that increase the cost of your premium. They may include: windscreen cover, no claims bonus protection, damaged or stolen personal items, emergency, and recovery service, and cover for a rental vehicle in the event of your vehicle being off the road.
Although many factors contribute to the cost of car insurance, you can still find affordable health insurance in Belfast. You can get the best quotes that would suit your needs and budget by shopping online.
Do you also want to check out affordable health insurance in Belfast? Click on the link provided.