26 Feb 2015

A question about : Cheaper car insurance

Looking for cheaper car insurance for NI, most of the main insurers will not provide cover for NI. At the mo insured with privilege, they now no longer operate over here but will honour current customers policies. I think they are sticking the arm in because of this. Anyone got any suggestions? BTW driving a 97 saxo vtr, F, age 29


If someone on this thread fancies just collating the different places recommended and reposting it. *I will add it to the first thread to make it easier for people.


(Note: *Also Martin's article on car insurance HERE is useful for providing the logical base on how to find the cheaper although the specific recommendations don't apply to Northern Ireland.

Ok here goes:

Quinn Direct 0845 850 0845

Hughes & Company in Portadown 028 3833 3444

Erne Insurance 028 6862 8019

Open & Direct 028 7131 0000

AXA - 0800 282820


Gareth Hunter - Tel: 028 9086 6103



Lennox Insurance on the Belmont Road Belfast 028 90658005 & West Street Carrickfergus 028 93368383

Kyle Insurance, Braid River Business Park, 101 Railway Street, Ballymena, Tel: 028 25652424 and ask for Anne Greynor

G&H Bell in Hillsborough 028 9268 3104

Morrisons in Limavady 028 7776 0940

Winnifred Gourley, Comber 028 91872288



Adelaide 028 9033 0094


Digney Grant, Banbridge 40662084


17 to 40

Balantines 02879642520

Northern Ireland Insurance Centre


Budget Insurance


Thanks to linzi h for all the following information title=Wink

Admiral 0800 600 800 http://www.admiral.com/

Adrian Flux 01553 777 240 http://www.adrianflux.co.uk/

AON 01384 552 670 http://www.aon.com

A-Plan 0845 071 123 http://www.aplan.co.uk/

AXA 0800 015 4292 http://www.axa-motor.co.uk

Bell Direct 0800 140 180 http://www.belldirect.co.uk/

Bennetts 0990 202090 http://www.bennetts.co.uk/

Bugdet 0800 028 9044 http://www.budgetinsurance.com/

Catterall 01254 695 055 http://www.chris-thompson.co.uk/

Cis 08457 464646 http://www.cis.co.uk/

CoverSure (RallySure) 01829 733 880 http://www.dmatters.co.uk/

Crowthorne Insurance 01344 771626 http://www.crowthorne.co.uk

Direct Line 0845 246 8701 http://uk.directline.com/

Elephant 0870 6080668 http://www.elephant.co.uk

Endsleigh 0800 028 3571 http://www.endsleigh.co.uk

Graham Sykes 0870 444 6319 http://www.graham-sykes.co.uk/

Greenlight 01277 263 030 http://www.greenlight-insurance.co.uk/

HIC - 08451 290 290

Hill House Hamond 01733 310899 http://www.hhh.co.uk/

Liverpool Victoria 0800 514 514 http://www.liverpoolvictoria.co.uk

More Than 0800 072 4186 http://www.morethan.com

Nash Warren 0121 561 4484 http://www.nashwarren.co.uk/

Norwich Union 0870 242 0800 http://www.norwichunion.com/

Peart 0870 240 2972 http://www.peart.co.uk/

Performance Direct 08704 203896 http://www.performancedirect.co.uk/

Privilege Insurance 0113 292 5555 http://www.privilege.com/

Quinn Direct 0845 850 0845 http://www.quinn-direct.com/

QuoteLine Direct 0870 444 0870 http://www.quoteline-direct.co.uk/

Tesco 0845 300 9900 http://www.tesco.com

The AA 0870 606 0483 http://www.theaa.com

Eagle Star 08459 45 45 67 http://www.eaglestar.co.uk

Screen Trade 0800 435 207 http://www.screentrade.co.uk

Its4me 0870 0131 464 http://www.its4me.co.uk/

The Insurance Centre 0709 2511050 http://www.theinsurancecentre.co.uk


NOTE : If any of these companies WON'T quote for Northern Ireland, please advise me and I will amend the post accordingly.

If anyone else comes up with more, pm me and I will amend the post to show these as well.

Best answers:

  • Did you try Quinn Direct 0845 850 0845?
    Hughes & Company in Portadown 028 3833 3444
    God help you if you're like me an live in Newry
    Both will still be expensive ..... but another 2 options for you if you haven't already tried
  • Cheers Ciaran, will try those next month when my ins is due
  • You could try Erne Insurance 028 6862 8019 and Open & Direct 028 7131 0000.
  • Hi A-b,
    Try AXA - 0800 282820. I was with them for about 5 years then shopped around and found them to be a bit more expensive. Therefore, I changed last year to Abbey. This year however, I have found Abbey to be the most expensive and after a lot more shopping around have gone back to AXA.
    Why is insurance here so Bl**dy expensive??
  • Was with axa before and they refused to cover my c ar as I'm under 30 and my car is classed as a hot hatch, yet my previous car was 2 insurance groups higher and they covered that no probs, also axa wouldn't cover me for business, which I need. Thanx for the tips anyway, agree with you on why insurance is so expensive over here, flippin ridiculous >
  • >
    Why is our car insurance so expensive? Because thousands of greedy people make fraudulent claims! It is the biggest scam and although insurance companies know it goes on they do nothing to stop it.
  • The old excuse used to be because of the troubles, now it's there are too many claims > >
  • I got mine from www.surequoteonline.com (C.J. Higgins of Mallusk Rd, Glengormly) and it was cheapest for me, at least you can get a quote online so you can do it from home in the evening.
  • NI insurance has always been high ... what do we expect ... we have a 2 mph dunt and we claim for whiplash (Michael Schumacher can hit a wall at 180mph and get straight back into a car without complaint). We are also prone to raising fradulent claims (e.g. a relation tail ended a car, got out apologised, exchanged details with the other driver, drove on and then found out that the car he hit had inherited 3 passengers all claiming whiplash - the driver had been by himself). Another example is that a friend of mine wanted a new carpet but was to mean to buy one so I watched him deliberately pour paint onto his carpet so that he could claim for a new one from his household insurance.
    I know we are not the only ones doing this but, I repeat, what do you expect. I believe however that there is a possible way out - but I don't think any insurance company would have the guts to do it.
    We all have to accept that throughout life s**t happens which is one of the reasons why we have insurance. The problem is that we are all paying for other peoples fraudulent claims. Therefore lets stop insuring each other - get rid of liability insurance and third party insurance - the only person you insure is yourself (and other family members). If someone is driving without insurance and has an accident then it is their tough luck. Irrespective of whos fault the accident is they get nothing and have no redress ... they took a gamble and they lost.
    We basically need to put a value on our own property and lives. If I believe my car is worth Ј20K and my life is worth Ј250K then that is what I insure myself for. If someone else with the same car and standard of living tries to cut costs and insures their car for Ј5K and their life for Ј10K then, irrespective of fault, they will get a much lesser payout.
    Given that the only persons who premiums are affected by a calim is yourself then this should reduce the stupid and fraudulent claims.
  • For a good rate of insurance you should try the Ulster Farmers Union, call you local office. For my wife they were about the same price as quinns when she just started to drive 27 but once she had a years no claims they give you an accelerator no claims and it was half the price of Quinn Direct for year two.
    PS Thanks Martin for setting up a board for us stuck over here with the dreggs of all services!!
  • Every year I try loads of companies, and for me it always seems that L Hughes and Co are cheapest, closely followed by the Northern Bank.
    I don't think the difference in prices of insurance between here and the rest of the UK is now as great as it once was, well certainly not compared to London. Working in the media (like I do) doesn't help. I was once told that the reason working in the media affected my premium was that I "may be driving well-known people around". Well there you go. I'm obviously driving Terry Wogan round Shepherd's Bush at dangerously high speed in my sleep.
  • I switched from Abbey to Adelaide after getting a really reasonable quote for my last year of insurance. Then my car blew up (that's a whole other story, don't get me started on certain makes of car and their dealerships) and I bought a car with a year's free insurance - I'm on tenterhooks, though, as they set my excess at Ј600!!! Oh well... It'll be interesting to see if they'll quote me when this free year is up. I agree with you Marksi, they really do get the arm into you if you work in the media. Hello?! Is this Northern Ireland or Northern Iraq - how blinkin' dangerous a place can it really be?!? And do you see THAT many hugely valuable celebs being chauffered by journos?!
  • I was quoted Ј960 by Hughes and Co. for me and my girlfriend (26 and 23 respectively) on a Fiesta or Ј750 for myself and I have 2 yrs no-claims!!
    Went online to admiral and got cover for Ј647 for us both - they charged just Ј7 extra for having my girlfrend on it.
    Shop around alot - and do the internet searches - elephant and admiral are cheap and insure people in Northern Ireland - don't ring them!!!! Ј1 a minute or somthing like that.
    My only reservation is if I have a claim I have heard their customer service is not the best, but I am willing to take that risk to save so much money
  • I only bought my first car back in Jan this year... and I have also only had my full driver's license for 10 months so I knew I'd have a hard time getting insurance but I got a great deal!!!
    I was initially getting quotes of around Ј1200 or Ј1700 but then I contacted this fella:
    Gareth Hunter - Tel: 028 9086 6103
    I ended up getting my insurance for Ј640!!! And will end up this year (assuming I don't have an accident!) with FULL no-claims bonus!!!
    Gareth Hunter takes your details, searches for the best deal and then tells you what he has found... then if you like what he has offered and wish to go with the quote he has found then he charges you only Ј20 for finding it for you! He knows about the offers and deals with a lot of the other insurance companies who operate in the province.
    You don't pay if you don't accept any of the ones he finds so do try him!
  • Oh - and I should have added that the car was 1 year old and insured as a Ј5,000 car...
  • I was with admiral for 5 years as no one could touch them in NI then this year for some reason The AA beat my renewal with admiral by over Ј200.
    28yr old male with 9yrs NCB driving a modified BMW 328i
    my insurance with AA = Ј765 Fully comp protected
  • I've been with Alastair Laird's (028 8676 4138) for some years now, after Hughes went up and up and up with my insurance. I kept checking with several other companies each year, and they could never be beaten, so for the last year or two, so long as my premiums didn't go up too much, I didn't bother checking around too much. My last premium (last Sep) on a Zafira 1.8L,
    with me F37, hubby 36 and childminder F27 was Ј470 approx., fully comp., full no claims.
  • I'll def be trying Gareth when my years ins is up - if it saves me the afternoon and 20 phone calls searching for quotes then it's worth Ј20 to me!
    The best I've found so far was the NFU (Farmers union) coming in around Ј400 cheaper than the next nearest quote!
  • I've used Admiral for the last couple of years. Their customer service is terrible, but prices are cheapest by far.