Beginning your driving career is always a thrilling experience; yet, obtaining enough vehicle coverage as a new driver in Ireland can be extremely difficult. Insurance premiums for inexperienced drivers are typically significantly higher due to their limited driving expertise. However, it is possible to find insurance coverage that are reasonably priced. This is possible through the use of proper procedures that address all specific requirements.
Understanding First Time Driver Insurance in Ireland
First time driver insurance is specifically designed for persons who have recently obtained their driver’s license and have little, if any, prior driving experience. Inexperienced drivers are perceived by insurers as a far bigger risk, perhaps resulting to much higher premiums. There are several insurance companies in Ireland that offer specialty plans. These policies are in place to help newly qualified drivers get on the road safely and affordably.
Tips to Secure Affordable First-Time Driver Insurance
1. Choose a Car with a Smaller Engine Size:
Opting for cars with engine sizes between 1.0 and 1.2 litres may result in greatly cheaper insurance premiums. Cars with smaller engines usually have a reduced chance of being involved in crashes, making them an inexpensively sensible choice for new drivers.
2. Opt for a Newer Car:
Purchasing a car manufactured within the previous ten years may result in lower insurance prices. Many people believe that this is a financially sensible move. Modern vehicles are fully equipped with advanced safety measures, which significantly reduces the calculable risk for insurance companies.
3. Establish Your Own Policy:
While it may be beneficial at first to be included as a named driver on a parent’s or guardian’s insurance policy, establishing your own independent insurance arrangement as soon as feasible allows you to begin building your No Claims Discount (NCD), which eventually leads to lower rates.
4. Add an Experienced Driver to Your Policy:
Incorporating a significantly more experienced driver onto your insurance coverage may actually lower your costs, as the risk that insurers associate with less experienced drivers is offset.
