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1 Looking for great value car insurance in Ireland?

Life’s complicated enough. So we’ve made buying car insurance simple and fair, with all the benefits you’d expect and more. That’s car insurance the way it should be. get auto insurance quote online

Get up to 5 weeks Free online

Ready to get a quote? At Liberty Insurance we give you up to 5 weeks free when you quote and buy online. The discount is applied automatically to your quote and you’re covered from the moment you buy, so you’ll be on the road in no time. car insurance quotes

Online discount applies to new private car policies only. 5 weeks free equals a 10% discount. Maximum discount €150. Subject to minimum premium and applied before optional covers. Acceptance criteria, terms and conditions apply. get auto insurance quote online

Get our best quote online

Ready to get a quote? At Liberty Insurance we give you up to 5 weeks free when you quote and buy online.

It’s also the fastest way to get a quote. Whatever time of the day or night, you’ll have your answer in as little as two minutes. The discount is applied automatically to your quote and you’re covered from the moment you buy, so you’ll be on the road in no time. Acceptance criteria, terms and conditions apply. get auto insurance quote online

Named driver discount

If this is your first car insurance policy in your own name, you may get a discount if you’ve been a named driver on someone else’s policy and had no claims. Terms and conditions apply. get auto insurance quote online

All you need to do is provide a letter from your current insurance company as proof of your driving experience, confirming no claims and dates you were named on the policy. It’s a perfect start for those taking out their first policy.

Affordable car insurance, same cover

Offering discounts to younger drivers on your car insurance doesn’t mean we’ve compromised on the cover you’ll get. All our standard car insurance features are still included, and you can select any optional covers too.

That means you’ll still get benefits such as free 24 hour breakdown assistance with home start as well as audio cover up to €635 or 5% of the value of the vehicle, whichever is lower. It’s simply better value for money. car insurance quotes

Important information about benefits

Online Discount

Online discount applies to new private car policies only. 5 weeks free equals a 10% discount. Maximum discount €150. Subject to minimum premium and applied before optional covers. Acceptance criteria, terms and conditions apply. car insurance quotes

Named driver discount

Named Driver Discount: If you don’t have a no claims discount and have been a named driver on another private car or company car policy, we may offer you a discount providing you have had no claims.

  1. You will need to send evidence of your named driving experience within 7 days of starting a new policy with us. We can accept faxes, photocopies or an original letter from your previous Insurance company which should outline the dates when you were named on the policy. Certificates of Insurance cannot be accepted as proof of named driving experience. car insurance quotes
  2. The end date of the most recent named driving period must be within the last two years and each year must be a full 12 months.
  3. We can accept named driving discount for company cars/fleet policies, providing you provide a letter from the insurance company stating you were named on the policy and there were no claims. The letter should also detail the insurance period(s) of the policy.
  4. If you were not named on the company policy you need to provide proof from the company who owned the car that you were the only driver of the car and proof from the insurance company/broker that there were no claims. car insurance quotes
  5. Experience must have been earned within Ireland, UK, all EU countries, America, Canada, Australia or New Zealand and gained within the last 2 years.

If you would like to talk to one of our agents about your previous driving experience to ensure you are entitled to this discount, call us on 1890 89 1890.

 

Visit For Get Quote: www.libertyinsurance.ie

 

QUICK ON LINE AUTO QUOTES

PRICE SOLUTIONS IN 5 MINUTES

We Survey The Market – 8 Insurance Companies to Choose from

car ins quotes online

Prior to using the quoter Please read the Following Hints Carefully:
Our system is very accurate, BUT is a quoting estimate only.
The quote system will not quote in certain areas of Downtown Toronto.
Chieftain Insurance has very low rates, but you must ask for $1,000 deductible.
For Auto Quotes:
You should have a good driving record.
Have no more than 6 tickets in 3 years.
You must have a “G2” licence for at least 1 year.
Not more than 1 at fault claim in the past 3 years.

What should you do?

All policies issued after September 1 2010, were issued using the new Standard Auto Insurance Policy and have the option to increase your benefits as described above.

If your vehicle is already insured, you don’t have to do anything until your next policy renewal date.

When your policy comes due for renewal, the new Standard Auto Insurance Policy will apply.

In the meantime, your insurance company will automatically include the following limits/coverages:

  • $100,000 limit for non-catastrophic injuries and $1,000,000 limit for catastrophic injuries for Medical and Rehabilitation expenses
  • $72,000 limit for non-catastrophic injuries and $1,000,000 limit for catastrophic injuries for Attendant Care expenses
  • Housekeeping and Home Maintenance Expenses up to $100 per week for all injuries
  • Caregiver Expenses up to $250 per week for your first dependant plus $50 per week for each additional dependant for all injuries

If you prefer to move to the new Standard Auto Insurance Policy before your next renewal date, contact us. We’ll explain your options and help you make an informed choice. car ins quotes online

 

Whether you’re adding a new room or two, replacing an out-dated kitchen or re-shingling the roof, home improvements can be challenging. car ins quotes online

While some homeowners may have the time and skills to do the work themselves, most people will save time and money by hiring a professional. Finding the right contractor is very important. Choose wrongly, and your project can quickly turn into a nightmare of unmet schedules, cost over-runs, shabby workmanship and endless arguments.

Where do you start?

Ask for recommendations from family, friends, co-workers and neighbours. Building supply companies, hardware stores and local builder/renovator associations are also excellent options.

Once you’ve got a list, contact your local office of the Better Business Bureau (BBB) to see if any complaints have been lodged against the firms you name. Then, call and check the references. Contractors with nothing to hide will not be offended with these inquiries.

Always deal with a professional

Protect your home — and yourself — by dealing with a reputable firm that operates in the open market, legally and responsibly. Professional contractors and sub-contractors follow stringent guidelines to protect themselves and those they do business with. Professionals have all the necessary insurance. Their policies are up-to-date and they can provide you with a certificate of insurance. Your peace of mind is worth it.

Protect yourself

Although you may save money in the short term,uninsured contractors expose you to significant financial risk in the event of an injury or damage to your property. You could be liable if an employee of the contractor is hurt while working on your property or if they damage your home or your neighbour’s property.

Before starting any renovation on your home, be sure to call us, your insurance professionals. You want to make sure your investment in your home is adequately insured under your policy from the get go, as renovations increase the value of your home, and materials values can quickly add up. Calling us first will ensure you have adequate coverage under your policy to protect the investment you’re making in your home.

So, check your coverage with us. Then, once you’ve checked references, confirmed insurance and legal credentials, agreed on a price, schedules and materials, pick the contractor that you like and feel you can communicate with. It’s a long process and you’ll be glad you did.

auto ins quotes

Beware of contractors who:

  • Quote prices before seeing the job;
  • Knock on the door and claim they can give you a “special price” because they are doing work in your area;
  • Offer discounts if they can, “use your home to advertise with”;
  • Demand unusually large deposits“to buy materials”. Most reputable contractors maintain charge accounts with their suppliers;
  • Will not supply you with a detailed written contract specifying what they say and what they will do;
  • Have an address that is a post office box, a telephone number, or answering service address.

Why Would You Insure Your Home For More Than You Paid For It? auto ins quotes

Insist on Guaranteed Replacement Cost coverage and always ‘Insure to Value’

Many people mistakenly believe the amount they paid for their home is the same as its replacement cost. Unfortunately this is not always true.

Depending on where you live, the cost to rebuild a total loss home can be significantly more than its market value.

Some of the factors that drive up rebuilding/reconstruction costs include:

Urgency – Property losses are not planned like a new construction project. When they do occur, there is a need to rebuild as soon as possible. This means the cost of labour, materials and other services required are often significantly higher. auto ins quotes

Demolition and Debris Removal – Major losses, require the removal of partially damaged property and debris. Costs increase if there are environmental issues such as soil contamination.

Current Building Codes – New and more demanding building codes may need to be met when rebuilding or restoring a damaged home. auto ins quotes

Worksite Access and Collateral Damage – At reconstruction sites there is typically less room because of debris, landscaping, fences and other buildings in the vicinity. This causes more work and material storage to be done further away from the site, thus extending the project time and cost. In some cases, physical access requirements result in collateral damage to existing property on and beside the insured’s property. auto ins quotes

It’s easy to see how the cost to rebuild your home could be much more than you paid for it.

Don’t get caught in a situation where your loss exceeds your coverage limits. We can provide you with advice to help you determine the correct amount of insurance you need on your property. And, we’ll recommend coverages like Guaranteed Replacement Cost coverage.

It’s wise to re-evaluate your home’s replacement cost every 5 years to reflect changes in the cost of construction, including building materials and labour. And, if you’ve made any recent renovations, upgrades or alterations to your home, we can help you established a new replacement cost value.

If you have any doubts, please contact us.

We’ll help you insure your home to its proper value. auto ins quotes

 

You’ve Had An Auto Accident – Now What?

 

You hear a horn, feel a bump and next thing you know, you hear the sound of crumpling metal. With all this going on around you, you’re thoughts race. You make sure everyone is okay, and then all is quiet. You think to yourself…”What do I do next? Who do I contact? Where do I go to get my car fixed? Is my car driveable?” All of these questions fog up you mind and confuse you. That’s why it’s important to be prepared and know what steps to take after an auto accident. auto ins quotes

What you should do after an accident?

  1. Don’t leave the accident scene – leaving the scene could lead to serious or even criminal charges.
  2. Determine if there are any injuries and if so, call 911 immediately.
  3. Try to determine if there is more than $1,000 in damage for the whole accident (your car and any other vehicles involved). If the damage appears to be more than $1,000, call the police and they will come and assess the scene. If the damage is less than $1,000, you still need to call the police, but they will instruct you on what to do next to assess the damages. auto ins quotes
  4. If it is safe to do so, move the vehicles off to the side of the road and make the situation safe for all, including passing traffic.
  5. Collect names, addresses, telephone numbers, insurance information, license plates numbers, driver’s license numbers of all drivers involved in the accident.
  6. Remember witnesses and passengers; gather their information as well – names, addresses, telephone numbers.
  7. Take notes of what the immediate scene looked like – placement of trees, shrubs, stop signs, signal lights, pedestrian crossings etc. This will help when you report the claim to us.
  8. Call us! As soon as you have completed the first 7 steps, call us immediately. We’ll answer your questions and guide you through the claims process.

Keep in mind…

Stay calm
Don’t argue with other drivers, witnesses, passengers or on-lookers
Tell your story only to the police
Never admit liability
If a tow truck driver suddenly appears without you calling them, don’t allow them to take your car. You have the right to choose a tow truck company or if you like, we can help guide you
Most importantly, STAY SAFE

 

Choosing The Right Insurance… it’s easier than you think!

Choice is important to all consumers. We know you have many options when it comes to buying insurance. However, if you want independent, unbiased, uninfluenced, personalized advice, there is only one choice. And that choice is an independent insurance broker.

Independent insurance brokers work for you – not for a call centre, an insurance company or a bank. As your independent insurance broker, we are your consultant and advocate – and we’re with you every step of the way. As your life and insurance needs change, whether it’s marriage, a new home, young drivers or the toys that come with retirement, we can tailor an insurance product that fits you perfectly.

Don’t settle for one-size fits all solutions. By properly assessing your insurance needs, we can help you purchase customized insurance products that match your needs. Because we represent many insurers, we search the marketplace for the best insurance coverage for you. Unlike direct agents who can only sell the product of the Insurer or bank they work for, we offer more choices, unbiased advice and insurance that fits. This is our advantage for you.

And remember, when you deal with an independent insurance broker, you get a licensed and highly trained insurance professional working for you. From the application process to the never anticipated claim, we’re here to guide you, offer advice and advocate on your behalf. You’re never alone and never just a number. We’re insurance experts and we’re on your side.

It’s no wonder we say…
Your Best Insurance, is an Insurance Broker.

 

Business Interrupted? Now What?

 

Let’s say you own a restaurant and suffer a fire loss. You are forced to close for two months to make repairs and then you find it takes another two months before your business returns to its normal level. How can you protect your property and your business?

In this situation, your Property policy pays to repair the building and replace your contents. Your business losses are covered depending on the type of Business Interruption insurance you’ve chosen.

If you have Gross Profits Insurance, your loss of income is paid while closed for repairs and while you rebuild your business to its original level up to the limit of coverage. Gross Earnings Insurance only covers the income lost during the time required to repair the premises.

If you own rental income property, you also have two choices for Business Interruption Insurance. Gross Rentals Insurance acts on the same basis as Gross Profit Insurance. If your apartment building suffered a fire,your Gross Rentals Insurance will pay for the loss of income during the repair period and for lost income during the time it takes to rent all of the damaged apartments up to the limit of coverage.

Whether your business is retail, restaurant, manufacturing or rental properties, we can offer the appropriate Business Interruption Insurance to protect you from loss of income. Call us to get started.

 

Tips For Driving In The USA

 

If you plan on driving in the United States, whether in a rental car or your own, there are certain steps you can take to make sure you’re trip is safe and enjoyable.

First, make sure you have a valid Passport or WHTI-compliant identification like an enhanced driver’s license (EDL) or NEXUS card. Since June 2009, Canadians traveling to the U.S. by land or sea are required to present an approved document that shows identity and citizenship.

Be aware that you must declare any meats, fruits, vegetables, plants, seeds, and animals you have in your vehicle or are carrying, including checked baggage and carry-on luggage.

Also make sure to carry your valid Driver’s Licence and proof of insurance. An up-to-date pink insurance liability slip includes important telephone numbers and proves you have insurance.

If you are considering renting a vehicle, it is a good idea to extend coverage from your own Ontario automobile policy to the rental vehicle. By adding an OPCF 27 to your auto policy, you won’t have to worry about buying extra insurance when you rent a car anywhere in the United States or Canada.

Like Ontario’s hands-free law, many states ban the use of cell phones while driving. The states of Illinois, Massachusetts, Michigan, New Mexico, Ohio and Pennsylvania even allow cities or regions to implement their own bans. Be safe and smart and avoid electronic distractions while behind the wheel.

It’s impossible to know when, where or if you’ll get into an accident, but if you do, call us for advice and we’ll help guide you through the claims process.

 

Visit to Get Quote: jdsmithinsurance.com

 

3. Compare cheap car insurance quotes

 

Comparing car insurance isn’t exactly fun, but we think it should be simple. Whether you’re looking to beat your current provider’s renewal quote or you want to insure a new vehicle, our simple and easy to use comparison service can save you time and help you find a cheaper car insurance deal. The numbers speak for themselves – you could save up to £283.83**

Whatever your needs, whether that’s fully comprehensive insurance, third party cover or something more specialised, we can help. Maybe you’re looking for a policy that includes black box insurance (don’t worry, we’ll explain), covers young drivers or is specially designed for over 50s. Just click and get started.

**Based on Online independent research by Consumer Intelligence during February 2018 50% of customers could save up to £283.83 on their car insurance premium.

 

Frequently thought questions

We do appreciate that questions about comparing car insurance prices are a little too boring to be asked, but they can be thought.

So we’ve compiled the following simple answers to questions frequently thought, about finding the cheapest quote when comparing car insurance

What is car insurance?
What does car insurance cover?
What types of car insurance are there?
What car insurance is the best?
What details do I need to get a car insurance quote?
How can I get cheap car insurance?
How much does car insurance cost?
Is it cheaper to pay car insurance annually or monthly?
Why compare car insurance with comparethemarket.com?

 

What is car insurance?

 

Car insurance can provide you with cover if you’re involved in a car accident. It’s also a legal requirement if you own or drive a car, unless you declare the vehicle off-road (SORN) and keep it on private property.

If you’re caught without insurance you could be fined £300 and given six penalty points. If you end up in court, you might be given an unlimited fine and disqualified from driving.

What does car insurance cover?

If your car is involved in an accident, car insurance could provide cover if you injure yourself or other people, or damage property or another vehicle. Car insurance could also cover you if your car is damaged by fire, attempted theft, or if it’s stolen.

Not all policies offer the same cover, so always read the small print and make sure you’re happy with any exclusions or limitations.

What types of car insurance are there?

get car insurance quotes

There are three types of car insurance policy to choose from: third party only; third party, fire and theft; and comprehensive.

– Third party only – this is the minimum level of cover you need to drive on UK roads. It only covers the cost of compensating other people for injury or damage caused by you. It doesn’t provide you with any financial help for injury or repairs to your vehicle.

– Third party, fire and theft – this covers the cost of damage or injury to third parties but it could also give you compensation if your car is damaged due to fire or theft or if it is stolen.

– Comprehensive – as the name suggests, this includes all the cover of a third party fire and theft policy, but could also protect you as a driver and may pay out for damage to your car. It could also include compensation for a number of things such as: medical treatment, legal expenses and accidental damage.

It’s also worth knowing that the typical car insurance policy lasts for 12 months and will need to be renewed each year. Your insurance might automatically renew when it’s about to expire, so remember to come back to comparethemarket.com to get the deal that’s right for you.

What car insurance is the best?

The best car insurance for you will depend on several factors, including: your age, occupation, driving experience, the car you drive and how you use your car.

For example, don’t assume that a third party policy is the best-value option simply because it offers the minimum level of cover.

The easiest way to find car insurance that best suits you, is to start a quote with us today.

What details do I need to get a car insurance quote?

 

To get a car insurance quote you’ll need to include details about your car, how you use your car, your personal details, the number of years of no claims discount you have, your driving history and whether you’d like to add any additional drivers to your policy. get car insurance quotes

Details of your car Your car registration number is helpful, but not essential. If you don’t have it, you’ll need the car’s make, model and age. Just be aware that you won’t be able to buy an insurance policy without the registration number.

How you use your car Tell us whether you use your car for pleasure and/or commuting to work, or for business purposes too. get car insurance quotes

Your details Your name, how old you are, where you live and the type of job you do.

No claims discount (NCD) Tell us the number of years of no claims discount you have (you’ll need proof of this from your current insurance provider if you’re switching to a different one). get car insurance quotes

Your driving history Details of any accidents, insurance claims and driving convictions you’ve had in the past five years. It’s important to be honest, otherwise you could invalidate your car insurance policy. get car insurance quotes

Additional drivers The details of any additional drivers you want to add to the policy.

 

How can I get cheap car insurance?

You could save money on your car insurance by:

1 Choosing your car wisely Some cars are cheaper to insure than others.

2 Increasing your voluntary excess But make sure you can still afford to pay the combined compulsory and voluntary excess should you have an accident.

3 Improving your car’s security Whether that’s off-road parking or installing an approved car alarm.

4 Adding an experienced named driver to your policy But never put that person as the main driver if that isn’t the case. You could be guilty of fronting – a type of insurance fraud that can invalidate your policy, at the very least.

5 Avoiding modifications Upgrading your car by adding mdifications could make it more attractive to thieves and your premium could rise accordingly.

6 Limiting your mileage Restricting the amount of time you’re on the road could reduce your risk of having an accident and therefore lower your premium.

7 Building up a no claims discount The more years you drive without making a claim on your car insurance, the greater your no claims discount could be.

8 Avoiding unnecessary optional extras Some insurance providers offer extras, such as breakdown cover. If you don’t need them, don’t add them to the policy.

9 Consider a telematics policyBlack box insurance isn’t just for younger drivers. If you have a telematics policy and you drive well, whatever your age, you could lower the cost of your premium. What’s more, some telematics devices could even contact the emergency services if you have an accident.

How much does car insurance cost?

The average car insurance premium costs £758, according to data from our Premium drivers report for the fourth quarter of 2017. The cheapest car insurance policy costs, on average, £629.

 

Ultimately, car insurance costs vary due to your own personal circumstances, but the one thing you can be certain about is that car insurance prices have risen. The average car insurance premium has increased by £43 since the fourth quarter of 2016.^^

 

But that’s not the only way to measure whether or not you’re getting a good deal. At comparethemarket.com, we use something called the ‘insurance savings variable’. The variable is the difference between the ‘cheapest’ and the ‘average’ premium available and it can give you an idea of how much you could save. In short, the bigger the percentage, the bigger the potential savings – so make sure you do your homework and always compare prices. Have a look at our Premium Drivers report to see where we’re up to at the moment.

 

Average premium across all ages
Q3 2017 – £740
Q2 2017 – £731
Q1 2017 – £729
Q4 2016 – £714
Q3 2016 – £697
Q2 2016 – £679
Q1 2016 – £682

Is it cheaper to pay car insurance annually or monthly?

Paying for your car insurance annually, in a lump sum, is usually cheaper than paying monthly. A monthly payment plan could mean you pay more for your car insurance as you might be charged interest on the instalments.

Visit to get Quote: www.comparethemarket.com

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