Insure My Cars

Insure My Cars, car insurance broker in Ireland

Insure My Cars is an insurance broker operating in Ireland that presents itself as specialising in obtaining low-cost car insurance policies. Its working method consists of comparing up to 15 quotes from different insurers to find the cover that best suits each driver's profile. The company states it has a team of 120 advisers and offers the possibility of taking out the policy online through a quick quote form.

Insurance products and types of cover

The broker's catalogue covers different types of car insurance, aimed at a variety of profiles and uses:

• Insurance for multiple vehicles belonging to the same family or couple (Multi Car Insurance).
• Insurance for electric vehicles, with a reduced premium for this type of car.
• Insurance for company cars.
• Insurance for classic vehicles, managed together with a motor specialist.
• Insurance for luxury and high-performance vehicles, valued at €60,000 or more.
• Insurance for new residents and foreign drivers, which recognises international driving experience.
• Insurance for Irish citizens returning to the country, with recognition of the driving history and licence obtained abroad.
• Insurance for drivers with an unfavourable record, such as driving convictions or accumulated penalty points.

Discounts and driver profiles covered

The company states that its customers can avail of discounts linked to various circumstances: no claims bonus, named driving experience, use of an electric vehicle, company car, classic or luxury vehicles, multi-vehicle policies for families and couples, and the installation of security features such as alarms, immobilisers or garage parking.

Among the drivers it targets are experienced drivers, senior drivers, young drivers, first-time drivers over 25 or 30, and named drivers.

Examples of savings published by the broker

The website shows several examples of quotes with the savings obtained compared to other offers. The data correspond to 2024 rates provided by different insurers and the names are not real for data protection reasons. Among the cases shown are a 41-year-old driver in Meath with a 2022 Hyundai Ioniq as a company car, who saved €248.52 (31%); a 59-year-old company director in Carlow with a 2022 Kia E-Niro, with savings of €237.64 (21%); a 27-year-old teacher in Dublin with a 2014 Volkswagen Polo, who saved €126.10 (13%); and a 53-year-old pharmaceutical technician in Kildare with a 2012 Peugeot 308, with savings of €42.36 (10%).

Types of cover

In its FAQ section, the broker explains the three basic types of cover available on the Irish market: Comprehensive cover, which covers own damage and third-party damage, as well as theft, loss or fire damage; Third Party Fire and Theft cover, which covers third-party claims but not damage to your own vehicle; and Third Party Only cover. The company notes that comprehensive cover usually includes the greatest number of benefits, although it recommends checking the terms before taking out a policy.

Customer care and policy management services

In addition to taking out policies, Insure My Cars offers policy renewal services, management of changes to insurance terms, customer care for queries about cover, and assistance in the event of an emergency breakdown. The company maintains a blog with informative content about car insurance, such as third-party cover, what comprehensive cover means, or checking a vehicle's history in Ireland.