Car Insurance Quotes in Ireland

Open driving is an optional cover available from An Post Insurance. Open driving allows other drivers to drive your car, with your permission, as long as they are a certain age and hold a full EU/UK licence. Driver/vehicle eligibility criteria and restrictions may apply.  Please see your specific Underwriter below for further details.

AIG & Aviva Policies: Cover is provided for any person free from accidents, claims, disqualifications, endorsements and convictions, aged from 25 to 70 years holding a full EU or UK driving licence - The driver cannot have any penalty points unless they are named on the policy.

Step-back No Claims Discount is an optional extra, which allows you to keep part of your no claims discount in the event of a single claim.

Allianz policies, Stepback included as standard. For full breakdown of their NCD scales please see their policy booklet here.

For AIG, Aviva & FBD your No Claims Discount will reduce as follows:

AIG policies

• 55% to 30%,
• 50% to 30%,
• 40% to 20% or
• 30% to 10%

Aviva policies

• 50% to 20%,
• 40% to 10% or
• 30% or less to nil

FBD policies

• 75% to 55%,
• 70% to 55%,
• 65% to 55% or
• 55% to nil
• 35% to nil

It is not necessary to purchase this optional extra in order to purchase a Car Insurance policy.

For an additional premium, our protected No Claims Discount option allows you to have either one or two unlimited claims in a three year period, without losing your No Claims Discount depending on your policy underwriter. (We will not take account of  windscreen, fire or theft claims.)

For each policy underwriter's No Claims Discount scale please see their policy booklet in our Document & Forms page. 

It is not necessary to purchase this optional extra in order to purchase a Car Insurance policy.

For an additional premium, and depending on your Policy Underwriter, Protected No Claims Discount with Step-Back option allows you to have either one or two unlimited claims in a three-year period, without losing your No Claims Discount.  (We will not take account of  windscreen, fire or theft claims.)

For subsequent claims, the Step-Back No Claims Discount will then apply.

For each policy underwriter's No Claims Discount scale please see their policy booklet in our Document & Forms page. 

Your certificate of insurance will be issued once you have arranged payment terms and returned all of the necessary documentation to An Post Insurance.

Motor Legal Protection covers the cost of legal fees if you need to make a claim following a car accident that wasn’t your fault. It also provides access to a confidential legal advice helpline.

Motor Legal Protection is underwritten by ARAG Legal Protection Limited.

Yes. Car insurance is a legal requirement in Ireland. Under the Road Traffic Act 1961 (as amended), you must have at least third-party insurance to drive a vehicle on a public road. Driving without insurance is a serious offence that can result in fines, penalty points, and disqualification.

Comprehensive covers damage to your own vehicle as well as third party, fire and theft. Third party, fire and theft covers damage to others and their property, plus theft and fire damage to your car, but does not cover accidental damage to your own vehicle. See our comparison table above or visit our comprehensive and third party, fire and theft pages for full details.

Yes. Our premium payment plan allows you to pay over 10 monthly instalments via Direct Debit or BillPay at your local post office. A deposit of 20% is required and a service fee of up to 12% applies. Paying annually is usually cheaper overall. See our payments FAQs for full details.

Younger and less experienced drivers typically pay more for car insurance. Premiums may decrease as you build up driving experience and a claims-free record, depending on insurer rating factors such as your car type, penalty points, and other factors.

 As an alternative to our standard car insurance product, An Post Insurance also offers BoxClever Telematics Young Driver Car Insurance which uses black box technology to reward safer driving with competitive quotes, helping new and young drivers to save money while building valuable driving experience. To find out more about this product and request a call back for a quotation, call us on 090 648 7255.

Yes. As long as you have the car’s registration number, you can get a quote through our online quote form. This can be useful when comparing insurance costs as part of your car-buying decision.

Penalty points can affect your premium. Some of our insurers (AIG and Aviva) offer a discount for drivers with zero penalty points. You’ll be asked to declare any penalty points when getting a quote.

Yes. Each car will need its own separate policy, and your no claims discount can only be applied to one policy at a time.

Yes. All An Post Insurance car policies automatically provide cover within the EU. The number of days varies by insurer — please refer to your policy documentation for the specific territorial and time limits that apply. If you need cover for longer, contact us before you travel.

Breakdown assistance provides 24-hour emergency roadside and driveway support including up to one hour’s free labour, towing to the nearest repairer, and assistance getting you home. It’s available in Ireland and the UK and included as standard on Aviva, AIG and FBD policies; for Allianz, it’s included on comprehensive cover only.

In most cases, yes. Our online quote process takes just a few minutes, and once you’ve accepted your quote and arranged payment, your cover is in place from the time and date you specify. Your certificate of insurance will be issued within five working days once all necessary documentation has been returned.

Keycare is an optional extra for €19.76 (incl. government levy) which covers the cost of replacing your keys if they are lost or stolen, up to €1,500 per year, and cover for broken keys up to €100 per annum. Keycare is administered by Keycare Assistance Limited and underwritten by MAPFRE ASISTENCIA, trading as MAWDY.

It is not necessary to purchase this optional extra in order to purchase a car insurance policy.