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Private Motor Insurance
Brian Mullins Insurance Brokers work with the leading insurers in Ireland to get you the best possible deal on your motor insurance, saving you time and money. We'll find the right policy to suit you and we also offer a great range of convenient benefits along with having a dedicated claims service that will help you get the fastest possible outcome in the unfortunate event should you need to claim. We want to save you time and money by getting you the best quotes from our different insurers.
Motorists are legally obliged to have motor insurance under the Road Traffic Act, 1961. At a minimum you are required to have third party cover. This protects you against liability in the event of you injuring a third party, including passengers, or causing damage to their property.
This is the minimum legal requirement and pays out for claims that other people make against you for damage or injury caused by your driving. You cannot make a claim for damage to your own car, theft of your car, or loss or damage to any item in your car under your own third party insurance.
In addition to third-party cover, you can claim for loss or damage to your own car as a result of fire or theft, but not accidental damage to your vehicle. This type of insurance cover costs more than basic third party cover.
This gives you third-party fire and theft cover but also allows you to claim for damage to your own car, no matter who it is to blame. The benefits of comprehensive policies vary between insurers, so you should check your own policy for details, but the cover will usually benefit such as:
Windscreen and glass cover
Cover for damaged or stolen personal belongings - this usually applies to items stolen from a locked boot or glove compartment. The amount you can claim depends on your policy.
Recovery service and emergency breakdown assistance
Driving other people’s cars – this covers you for any damage you do to another car or person while driving someone else’s car. It does not cover any damage you do to yourself or the car you borrow.
Replacement or hire car - the cost of this is covered if your own car is off the road as a result of an accident.
Extra benefits you may get with a comprehensive policy: