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Car Policy features and benefits

We don’t just offer you affordable car insurance, we also ensure that you get great cover along with many additional benefits as part of your motor insurance.

For those days when your car won’t start or breaks down at the side of the road, use our free 24-hour breakdown cover or home start. Using this breakdown assistance will not affect your no-claims bonus.

If you cannot drive the vehicle as a result of a breakdown, we will arrange and pay for one hour’s labour at the roadside or at your home and towing the vehicle to the nearest competent repairer or to a garage of your choice, whichever is closer.

If the repairs cannot be completed where the vehicle broke down and you are away from home (at least 3 kilometres), we can arrange and pay up to €150 for one of the following:

1. Transport for you and any non-fare paying passengers to your intended destination within the territorial limits.
2. Use of a replacement vehicle for up to 48 hours while repairs are being carried out; or
3. Bed-and-breakfast-only accommodation for one night only while repairs are being carried out, up to €35 for each person and €150 in total.
If the vehicle is repaired, we will provide the cost of public transport for you to collect the vehicle.

For the full list of terms and conditions, please refer to the Car Insurance Policy booklet, which can be downloaded below.

* Maximum three call-outs per year.

If your certificate of insurance says so, we will also cover you, the policyholder, for your liability to other people while you are driving any other private motor car which you do not own or have not hired under a hire-purchase or lease agreement, as long as:

1. The other car is not owned by your employer or hired to them under a hire-purchase or lease agreement;
2. You currently hold a full European Union (EU) licence;
3. The use of the other car is covered in your certificate of insurance;
4. There is a current insurance policy in place in another person’s name that covers the other car;
5. You have the owner’s permission to drive the other car;
6. The other car is in a roadworthy condition and holds a valid NCT;
7. You still have the insured vehicle and it holds a valid NCT and is in a roadworthy condition.

This extension applies while being driven within the territorial limits and only to private passenger cars. It does not include:

– Vans;
– Car-vans;
– Jeep-type vehicles with no seats in the back; or
– Vans adapted to carry passengers.

The cover you need for those unavoidable windscreen damages, giving you peace of mind with Liberty Insurance windscreen cover.

Windscreen repair and replacement* cover is included on all comprehensive private motor policies. This is an optional cover for third party, fire and theft policies. We will pay the full cost of repairing or replacing (less the excess) damaged or broken glass in the windscreen or windows of the vehicle, as long as there has not been any other loss or damage. Claims under this section will not affect your no-claims bonus.

We will not pay for:

1. any amount over €150 for replacement (less the excess) or €50 for repair if the work is not carried out by
2. our approved windscreen specialists;
3. any more than two claims under this section during the period of insurance;
4. damaged or broken glass in sunroofs, glass roofs or panoramic sunroofs
5. damaged or broken glass to vehicles that are temporarily covered; or
6. damage caused by wear and tear or negligence.

For the full list of terms and conditions, please refer to the Car Insurance Policy booklet, which can be downloaded below.

[*] Windscreen Replacement Excess applies should your windscreen be deemed unrepairable by the glass technician. You pay the first amount as outlined in your policy schedule and we pay the rest.

We provide the minimum cover you need by law to use your car in any EU country or any other country which has made arrangements to meet the minimum insurance requirements of the Commission of the European Union, for up to 93 days. We will extend your cover to the same level you use at home (as shown in your schedule) when you want to get away on a much needed holiday in Europe, or need to work or attend school abroad. The following cover does not apply while you are using your car abroad.
• Driving other cars
• Breakdown assistance

For further information, pleases refer to the policy booklet, which can be downloaded below.

If your car is stolen and you don’t have it back within 24 hours, we will provide a hire car until it is recovered, up to a max of five days. The car will be automatically insured under this policy, once you tell us the registration number. If the hire car is lost or damaged, we will decide how and where the car is repaired or replaced. This benefit applies to comprehensive policies only. It is your responsibility to make sure that you meet the car hire conditions.
These may include, but are not limited to:
a) a full driving licence without endorsements
b) a credit-card deposit
c) the car being returned to the pick-up point.

The car will be automatically insured under this policy, once you tell us the registration number. If the hire car is lost or damaged, we will decide how and where the car is repaired or replaced.

This benefit does not apply to:
a) use of a hire car outside the territorial limits (the territorial limits are listed in the policy booklet);
b) the cost of fuel;
c) collection and delivery charges;
d) for any extra costs for use of a car that is better than our standard hire car (our standard hire car is usually a class-A vehicle); or
e) any costs where the hire car is not returned on time.

This benefit applies to private motor vehicles only.

Cheap car insurance quotes for young drivers

Car insurance for young drivers

By Anita Shargall on Friday 13 July 2018

New to the road? We’ll help young drivers find an affordable policy for their car insurance.

In this Article

If you have just passed your test and are itching to get out there on the open road, you are likely to find that you won’t be able to get that modified motor you were dreaming of. This is because, unfortunately, car insurance for young people is often expensive.

Young drivers insurance costs an average of £1,197 for a fully comprehensive policy in May 2018, according to MoneySuperMarket data. Since young drivers aged 18 to 24 are considered the riskiest on the road, it’s no secret that they tend to pay more for their insurance.

Car insurance for young drivers is expensive because young motorists are considered statistically riskier drivers by insurers, so are more likely to make a claim. In fact, 19% of 18 and 19 year olds made a claim on their car insurance between January and April 2018.

While it can be challenging to find cheap car insurance for younger drivers, it is not impossible. This guide will help you find a better deal for your car insurance, hopefully without breaking the bank.

According to the average price of quotes run on MoneySuperMarket in between January and April 2018.

What are the cheapest cars to insure for young drivers?

All cars are classified into insurance groups, numbered from one to 50, and as such the cheapest cars to insure will sit in the first few groups. More powerful cars, or those which have been modified or have an improved performance, will sit in the higher groups making them much more expensive for a young driver to insure.

As of May 2018, the cheapest cars to insure for drivers under 25 are:

Car manufacturer and make

Average annual premium

Data collated between January and April 2018, from cars in insurance groups 1-3, and manufactured from 2006 onwards. Based on car insurance quotes run on MoneySuperMarket.

As the table shows, your ideal car might not be the best option if your priority is saving money on your car insurance. It pays to do your research, and opt for a model of car which could be cheaper to insure.

As a younger driver, you’ve probably got a few car models in mind already. Our car insurance comparison service lets you research different types of car to get an idea of what cover you could get, and at what cost.

According to quotes run on MoneySuperMarket between August 1, 2017 and January 31, 2018.

Best insurance for young drivers

Everyone must have insurance, by law, and the minimum level of insurance you can have is third party car insurance , followed by third party fire and theft (TPFT), which offers you more protection for your vehicle. The most extensive level of cover is fully comprehensive car insurance, which covers you for most outcomes.

It’s important to compare all levels of car cover because fully comprehensive is rarely the most expensive option, contrary to what you might expect. This is because third party, and TPFT, have become the reflex choice of risky or convicted drivers looking to save money. This has prompted insurance companies to significantly raise the price of these policies.

In fact, an average third party only policy costs around £1,050 more than the average fully comprehensive policy if you are a young driver. That’s because the average cost for a third party only policy for 18 to 24 year-olds was £2,263.35, compared with £1,197 for a fully comprehensive policy, according to average quotes run on MoneySuperMarket in May 2018.

Consider the ‘telematics’ option

Whether you call it black box or telematics car insurance, this satellite technology offers an effective way to lower the cost of car insurance for young drivers – MoneySuperMarket data shows that you could save £385.25 on average, which is a lot of money for young drivers.

It works by using a small transmitter in your car, or via a smart phone app, to relay information on your driving style and driving patterns back to your insurer, so they can base the price of your premium on how you actually drive. Telematics insurance relies less on how people in your demographic drive.

This approach is viewed as a fairer way of pricing policies and has seen many young drivers have their premiums significantly reduced. Black box insurance becomes much less impactful as you get older and more experienced as a driver, so it might be worth considering before you hit 25 years old.

MoneySuperMarket data showing the average quoted savings for drivers aged 17 to 24 when they take out a telematics policy, between January and March 2018.

Cheap car insurance for young drivers

The good news is that there are a number of ways to get cheaper car insurance for young drivers:

  • Compare car insurance quotes: By using our comparison tool you can instantly compare car insurance quotes to find the best cover to suit your motoring and financial requirements.
  • Improve your driving skills: Some insurers will reduce your premium if you have completed Pass Plus.
  • Add a named driver: Remember it’s crucial that the person who does the most driving in that car is listed as the ‘main driver’. Only 34% of young drivers utilise this way of making their policy cheaper, so there are plenty of younger drivers who could.
  • Pay upfront for your annual car insurance: Paying monthly can cost more due to the interest charged on instalments.
  • Pay a voluntary excess: Keep in mind that, after a certain level of excess, the cost of cover doesn’t change, and you must be sure that you can afford the level of excess that you have set for yourself.

The average cost of insurance for cars in insurance groups 1-3, and manufactured from 2006 onwards is based on car insurance quotes run on MoneySuperMarket between January and April 2018.

Compare young drivers insurance with MoneySuperMarket

It is a good idea to compare car insurance quotes as a young driver as MoneySuperMarket search through hundreds of competitive policies to do the hard work for you. If you are a young driver, we could help you find an affordable policy tailored to your needs.

When you compare, you will be asked about your car, where you live, your occupation and if you have any convictions – driving or otherwise. It is important to answer truthfully and disclose anything you feel may be required. If you do not, then when you make a claim your policy could be invalid and your claim will be rejected.

Comparing car insurance only takes a few minutes and you could save hundreds of pounds on your premium. Get your journey started today and find the correct policy for you.

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Buying cheap car insurance for teens: 6 essential tips

As the parent or guardian of a young driver, you know it’s essential to have good car insurance to protect them. Whether you’re paying for it or they’re working hard to foot the bill, it’s a new expense for your family. Fortunately, you can find cheap car insurance for teens without breaking the bank. Here are the six ways to lower the cost of a young driver on your policy:

1. Learn about Good Student discounts

Students with higher grade point averages are usually more responsible and better drivers. If your young driver earns a B average or better at school, you may qualify for a good student discount on Nationwide teen car insurance.

2. Install anti-theft devices

You may save when you install an anti-theft device in the vehicle. Your possible discount varies based on the type of device installed and the state in which the vehicle is garaged.

3. Keep rates low for teen car insurance with Accident Forgiveness

Accidents happen to even the best young drivers. And if one does occur, insurance rates may rise as much as 30%. If you have Nationwide’s Accident Forgiveness as part of your teen car insurance package, your rates will not increase following the first at-fault automobile accident.

4. Take a defensive driving class

When your teen successfully completes an approved motor vehicle accident prevention course, this Nationwide discount may help you get affordable car insurance.

5. Choose the right teen car insurance policy for your needs

With Nationwide, there are lots of ways to protect your teen while staying within your budget. For example, a higher auto insurance deductible may lower the rate, but could mean more out-of-pocket expenses after an accident. If the vehicle is older or has very high mileage, liability coverage may be a better option than collision or comprehensive – though it will not cover damages to the car after an at-fault accident. Getting the right coverage that best fits your needs is important for saving money on your teen auto policy. Learn more about Nationwide’s auto insurance coverage types today.

6. Stay safe with teen driving tips

One of the most reliable ways to keep insurance costs low is to avoid accidents. Learn about the risks teen drivers face and get tips for how to prevent them. Nationwide’s teen driving resource center offers practical information about teen decision making, distracted driving, the role of parents in teen driving and more.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages.

Finding the Cheapest Car Insurance for Teens

If you’ve ever had to buy car insurance for teens , you know coverage can be brutally expensive.

That’s why it’s especially important for parents of teen drivers to compare prices from multiple insurance companies and look for discounts.

Car insurance for teens and their families

To give you a rough idea of how much it’ll cost to insure your teen driver, we looked at rates in the eight most populous states for a family with and without a teenager behind the wheel of two popular models.

In our analysis, rates to add a teen driver to a policy generally ranged from $1,200 per year to $2,200 per year — though rates were much higher in some cases, depending on the insurer.

How to score cheap car insurance for teens

If that sounds like a lot of money, a wide variety of discount are available that can help soften the financial blow of adding a teen driver to your policy. Amounts vary by state and company, but “up to” 10%, 15% or 25% off is a pretty common refrain.

Here are some ways to save money:

  • Add the teen to the parents’ policy rather than putting them on their own policy. NerdWallet’s research has shown it’s much less expensive to add a teen to a policy with parents.
  • Get good grades. Families with students with a B or better average in school are frequently eligible for car insurance discounts.
  • Take driver’s training . Young drivers who took a driver’s education course were less likely to get a traffic ticket, less likely to have an accident and less likely to be in an accident resulting in injury or death than those who didn’t, according to a 2015 University of Nebraska-Lincoln study.
  • Leave the car at home. Some insurers offer a discount if the student is attending school at least 100 miles away from home and doesn’t take a car. (Students are still covered when they drive while at home on breaks.)

Methodology

NerdWallet looked at insurance rates from the largest insurers for 10 ZIP codes in the eight most populous states — California, Florida, Georgia, Illinois, New York, Ohio, Pennsylvania and Texas — for a 2015 Toyota Camry and a 2015 Ford Escape. We analyzed rates for two 50-year-old married adults versus rates for two 50-year-old married adults with an 18-year-old driver licensed at age 16. In most cases we used liability coverage of $100,000 per person and $300,000 per incident; $50,000 property damage coverage, uninsured motorist bodily injury coverage of $100,000 per person and $300,000 per incident, and $1,000 in comprehensive and collision coverage. These are sample rates generated through Quadrant Information Services. Your own rates will differ.

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