Car Insurance

What is comprehensive car insurance?

Comprehensive car insurance, which is also known as fully comprehensive car insurance, is a type of coverage that can provide protection for your car against a wide range of risks, beyond just damage.

With comprehensive cover, you can rest easy knowing that you're covered for things like theft, vandalism, fire, natural disasters, and more. So, if a tree falls on your car during a storm or someone dinks your bumper pulling out of a parking spot, you're covered.

What is a car insurance broker?

Simply put, a car insurance broker is an intermediary, acting essentially as the ‘middle-man’ between you, the client, and one or multiple car insurance companies.

We have a great relationship with a panel of trusted car insurance providers, and we work with them on your behalf to find you the best value deal we have available. Part of that process also involves getting to know you, and fully understanding what you want from your car insurance cover, before relaying that information over to our car insurance panel.

Why do I need car insurance?

Having car insurance is all about securing peace of mind. Accidents can happen at any time, and having car insurance can help protect you financially in case of an accident, theft, or another unexpected event.

Not only does car insurance provide financial protection, it’s also a legal requirement. Driving without insurance can result in hefty fines or even legal trouble. But nevertheless, with the right coverage, you can feel confident that you're protected no matter what the road throws your way.

What type of Howden car insurance do I need?

The type of car insurance you will need depends on the level of cover you’re after. For instance, if you're looking for the bare minimum, third party insurance might be the way to go, whereas if you want to be full protected, you’ll need a more comprehensive insurance package. Below are the different types of insurance we offer:

Fully comprehensive

Offers the highest level of protection, designed to keep you as financially unaffected as possible in the event of an accident.

Third party, fire and theft

If your car is stolen or damaged in a fire, you’ll be protected under this cover. A third party’s injuries and vehicle damage with also be covered, but damage to your own car will not.

Third party only

This is the lowest level of car cover, required as a bare minimum to drive on Irish roads. It only protects you if other people are injured or their property is damaged.

It is important to know that the exact details of each of these levels of cover differs for each insurer, meaning the cover you’re looking for may depend on the provider you choose.

What isn’t covered?

Each insurance provider is different, so being aware of exactly what isn’t included in your policy is crucial to ensure you don’t feel unexpectedly out of pocket.

Typically, fully comprehensive car insurance policies will not cover you for:

• Driving with an invalid driving license.
• Any damage or injuries caused as a result of the driver being under the influence of drugs or alcohol.
• Theft resulting from carelessness.
• Any general wear or tear.

Is it cheaper to use a car insurance broker?

It doesn’t have to cost you more to get expert advice and guidance when you’re looking for car insurance.

Differently to comparison sites, we offer a personalised, bespoke service which is tailored around getting to know you personally, whilst fully understanding what you’re looking for from a car insurance policy. Moreover, our goal is also to get you our best value car insurance deals available on the market via our panel of insurers. We aim to save you time, money and hassle when comparing car insurance options.

What do I need to get a car insurance quote?

To get a car insurance quote, you will need to provide us the following information:

• Your personal details – your name, your age, where you live, your job title etc.
• Information about your car – the registration number, its make and model, how old the car is.
• How you’ll intend to use the car – will you be driving the car for pleasure or business? What is your annual mileage?
• Your driving record – we’ll need your driving license number, how long you’ve been driving for, and whether you’ve made any claims in the past.