Expat Car Insurance in Ireland

The cost of Irish car insurance will depend on several factors, like your driving experience, licence type, claims history, occupation, address, the vehicle make, model, value, and security.

Expats in Ireland can find it difficult to get a quote in Ireland and even when they do, the cost of car insurance for expat drivers can be quite high. At Clements we can give the benefit of foreign driving experience from certain countries which allows us to provide a competitive quote. You can request a no-obligation quote from us by filling out this form.

Your age is one of the many rating factors that insurers use to determine your insurance premium. Examples of other rating factors that insurers consider are your driving history, the vehicle details, your occupation and address.

Most insurers require you to have been living in Ireland for at least a year to quote. However, at Clements Worldwide we can provide a quote for people who have just arrived in Ireland.

Your Irish car insurance quote is valid for 30 days. After that time, you’d need to request a new quote.

Depending on your auto policy you may add up to 3 or 6 named drivers per policy.

Yes, you can insure more than one car in your own name.

Driving other cars benefit is only available of certain Irish car insurance policies. Please refer to your policy documentation or speak to us for further detail.

There is no minimum vehicle value to get insurance. The maximum value of the vehicle depends on your insurance policy. Please refer to your policy documentation for full details.

In Ireland a No Claims Discount is applied to your premium for not making a claim on your car insurance policy. With each claim-free year, the discount on your renewal premium increases until you achieve the maximum on the insurers scale. When you make a claim your No Claims Bonus is lost or reduced.

You can choose to protect your no claims bonus as an add-on to your policy. For full details please refer to your policy documentation. If you have any queries on this, please speak to a member of our team.

Yes, theft and the damage caused by attempted theft are covered on all of our car policies. Please ask us or refer to your policy documentation if you have any questions.

Your windscreen cover, also referred to as glass breakage cover, will depend on your Irish car insurance policy and your level of cover selected. Please refer to your policy booklet for full details. Please contact us before you arrange to have your windscreen repaired or replaced as there are limits to the cover, and it is advisable to use our underwriters preferred providers.

Neither our Third-Party Fire and Theft (TPFT) nor our Comprehensive policy covers:

• Cost of deductible/excess
• Tire damage
• Loss of use of vehicle
• Wear and tear
• Mechanical or electrical failure
• Loss or damage by theft or attempted theft if keys or key fob are left unsecured or unattended in car
• Fraud or collusion
• Wilful and negligent acts

The Ireland car insurance policy deductibles vary depending on the claim. Please refer to your policy booklets for full details.

Yes, you can purchase add-ons for additional coverage, including:

• On our Comprehensive policy, there is an add-on available which gives you the option to protect your No Claims Bonus in the event of a claim.
• On our Third-Party Fire & Theft policies you can request to add on windscreen cover.

Ireland car insurance policies are issued for one year (12 months). You can cancel your policy any time for a pro rata refund (Please refer to our Terms of Business for full details).

As well as being covered to drive in the Republic of Ireland, our policies also provide cover while you are driving the vehicle in Northern Ireland and Great Britain (including the Isle of Man and Channel Islands), as well as within the European Union for up to 90 days per policy year. Please speak to us before departing on your trip.

Temporary car insurance is not available in Ireland, aside from short-term car insurance through rental companies. All policies in Ireland are sold on an annual basis. You can cancel your annual policy with us any time for a pro rata refund (minus cancellation fees and applicable one-time charges).

We accept debit and credit cards for full payment. You may also pay monthly by setting up a direct debit plan.