There was a time when for insurance quotes, Northern Ireland was something akin to a desert. The background circumstances of the times meant that choice was extremely limited or even, in some cases, non-existent.
The 21st century world
Things change though and one area where the background changes in Northern Ireland are generating real benefits is motor vehicle insurance.
There is now ever-increasing choice due to the fact that insurers are now moving back in numbers to the Northern Ireland insurance marketplace.
Insurance quotes, Northern Ireland and the need for checking
Having a significant number of quotations available may still be a relatively novel experience for many drivers in Northern Ireland.
It’s very easy to become entirely focused on looking at the ticket price of the policies concerned. However, there may be a few other things to keep in mind:
- the price, in itself, may not provide an indication as to the suitability of the cover provided by the policy – it is necessary to read carefully the details of the quotation plus any supporting policy documentation provided by the potential insurer;
- there is typically a significant difference between a quotation and an estimate – once you have provided your full details, the final price you’re asked to pay may be higher than the initial ’headline’ estimate;
- it is worth paying particular attention to the terms and conditions, as these typically play a significant part in deciding whether or not any future claim is accepted or rejected – ignore them at your peril;
- it is sometimes possible to reduce your premium by significant amounts by adopting certain practices that may be rewarded with discounts from the insurer – policies may differ in the scope they provide for this.
For insurance quotes, Northern Ireland is becoming an increasingly competitive environment. This may be a real opportunity for drivers.