Car insurance for Convicted Drivers
You may be one of many with a motoring or other legal type of conviction, or have a high number of penalty points, or have sustained a driving ban.
Finding affordable car insurance can be tricky at the best of times.
However, finding car insurance with a drink driving conviction or a careless driving conviction or indeed any conviction can be very challenging.
Car insurance for Convicted Drivers
Car insurance prices for convicted drivers tend to be higher than the market average. First Ireland Car Insurance Broker has been arranging affordable car insurance for drivers with convictions in Ireland for 35 years. Using our expertise and the good relationships we’ve developed with our speciality insurers, we’ll negotiate the best price we can based on your own personal circumstances.
Whilst some insurers only quote for minor offences, others may quote for drivers with convictions but only after a certain period which could be up to 10 years. Depending on the severity of your conviction, First Ireland may be able to provide you with a quote much sooner. Our advice is to disclose all convictions, motoring or otherwise, even if they are spent and we’ll advise you on the best way to proceed.
Just enter your details to arrange an online quotation. Don’t worry if a quotation is not returned initially as it doesn’t necessarily mean that we cannot help you. Your details are submitted to us so we will be in touch to discuss the options available to you. If you prefer you can call us and one of our qualified agents will talk you through the process. Tel: 01 882 0818
As a First Ireland car insurance policyholder you will have access to our extra benefit package, AdvantageFirst.
AdvantageFirst includes First Ireland Rescue, First Ireland Personal Accident Cover, First Ireland Uninsured Loss Recovery Service, First Ireland Total Loss/Vehicular Theft Replacement Car Facility, First Ireland Uninsured Drivers Excess Payment
This benefit package is in addition to the benefits provided by your underwriter.
Call us today to learn more about AdvantageFirst and how it can add extra value to your car insurance policy.
Car Insurance F.A.Q.
What is an Excess?
An excess is the amount you contribute towards a claim. The excess amount will be listed in your policy schedule or Quotation.
What is a No Claims Bonus?
A no claims bonus is a discount you earn for every year you are insured and do not make a claim on your policy.
Do I have a No Claims Bonus as a named driver?
If you have never had a policy in your own name, but have driving experience as a Named driver or on a company policy we should be able to give you an introductory no claims discount.
How much is a No Claims Bonus discount worth?
Each insurers discount varies. But generally for each year that you are claims free you can earn approximately a 10% discount. Insurers cap the no claims bonus discount earned; the caps vary between 5 years and 7 years.
What happens to my No Claims Bonus if I have a claim?
In theory you can lose your entire no claims bonus. However, most of the policies we offer include some level of protection to your no claims bonus, be it Step Back Bonus Protection or Bonus Protection.
What is Step Back Bonus Protection?
Step Back Bonus Protection means that following a claim your earned no claims bonus discount is reduced or Stepped Back - instead of a complete loss. For example; if you have a 5 years No Claims Bonus and your policy has a step back of 2 years. Then following a claim your bonus of 5 years will be reduced by 2 years and you will be entitled to a 3 year No Claims Bonus discount at your next renewal.
What is a No Claims Bonus Protection?
No claims bonus protection is where your policy has the benefit that allows you to make a claim without affecting your no claims bonus. Insurers can include limits on the number of claims made, the monetary value of the claim and the type of claim.
What is Open Driving?
Open Driving is a benefit that can be given by some Insurers on SOME policies. It means that someone who is not Named on your policy can drive your car. There are restrictions set by each insurer. For example; drivers might have to have a Full driving licence and be aged between 30 and 75. These rules/restrictions vary between each insurer but will always be noted on your Certificate of Insurance.
What is Driving of Other Cars?
Driving of other cars is cover to drive someone else’s car, under your own insurance policy. If your policy includes this benefit it is your own policy that will be affected if a claim occurs and it only covers the policyholder. Normally, cover is restricted to third party only. In simple terms this means that you are legally covered to drive the car and any damage you do to the car you are driving is not covered. Some policies we offer can give Comprehensive Driving of other Cars.
About First Ireland
First Ireland is one of largest Irish-owned Insurance Brokers in the country. Founded in 1981, the company is owned and operated by its senior partners who work full time in the business. We now employ over 160 people and our extensive client list includes Irish and International Companies, large and small, including many services firms, right through to Individual Professionals.