Once finding insurance for Northern Ireland was very limiting. This was mainly due to the many problems and unrest that was seen throughout NI which included the stealing of cars to be used in barricades after setting them alight. Thankfully times have changed and now residents of NI now have more options for taking out insurance and making some great savings. However there are also many things that one can do to help keep down the cost of car insurance.
One of the first things that insurance brokers will want to know when you are looking for insurance for Northern Ireland is how safe your vehicle is. While the majority of brand new models will have such an immobiliser fitted and this will of course go a long way towards ensuring that your car is as safe as possible.
However, if you have an older model of car or you are buying a second hand model then you could buy and install added security for your car and fit an immobiliser.
Where you choose to park your car will also have an effect as to how much you would have to pay for your car insurance. If you have your car parked in a garage with a good secure lock then it will be more secure than if it was parked on the side of the road. If your car is on the road then it could be a target for thieves or it could be at risk of vandalism or damage by passing vehicles. This of course would mean a bigger risk and so bigger insurance premiums.
All insurance providers will set a minimum amount of excess that you would have to pay out should you have to make a claim on the insurance. This money has to come out of your own pocket in a lump sum before the insurance provider will pay out the rest of the claim. However you can offer to pay more in excess and by doing so you could keep down the cost of your insurance premiums. For example if you choose to pay £100 excess and have to make a claim for repairs that would cost £250, you pay the first £100 and the insurance provider would have to pay the £150 left. However you would have to bear in mind that should more than a single claim have to be made on the insurance in one year you could lose out.
Finally when looking for insurance for Northern Ireland it is essential that you check the terms and conditions of any policy you are considering taking out to ensure that the policy is right for your needs. There will always be limits and exclusions to all policies. For example providers could limit the amount they would pay out in the event you claimed for a replacement windscreen and there could be additional excess to pay for windscreen damage. It is only by checking the small print that you would know about these conditions.