Motor Insurance survey

This is the Commission's most recent survey which displays quotes and benefits across eight motor insurance providers, based on seven hypothetical profiles. All quotes and benefits are accurate as at 17 February 2015.

If you drive a motor vehicle, by law you must have motor insurance. It is a criminal offence to drive without motor insurance. If caught you may have to pay a fine, you may get penalty points or you may be disqualified from driving. Get more information on car insurance.

Depending on the type of cover, car insurance can cover damage caused by your car to other driver’s cars and property and injuries caused to other people. It can also protect against damage to your car caused by fire or theft. You can also cover damage to your own car, property and items stolen from your car. Depending on your circumstances and on the age and value of your car, you need to consider what insurance suits you best.

Consumer profiles

Description

Profile 1

I am a 20 year old Student from Ballina, Co. Mayo. I drive a 2006 Chevrolet Kalos (5 door).

Profile 2

I am a 25 year old Teacher from Callan, Co. Kilkenny. I drive a 2009 Nissan Micra (Hatch back 5 door).

Profile 3

I am a 35 year old Warehouse Operative from Killybegs, Co. Donegal. I drive a 2008 Peugeot 307 (5 door).

Profile 4

I am a 38 year old Dentist from Newbridge, Co. Kildare. I drive a 2014 Lexus IS Series, IS 250 (5 door).

Profile 5a

I am a 47 year old, Physiotherapist from Trim Co. Meath. I drive a 2011 Toyota Avensis (5 door).

Profile 5b

I am a 47 year old Physiotherapist from Trim, Co. Meath. I drive a 2011 Toyota Avensis (5 Door). I have cover for myself and my 19 year old teenager, who currently holds a novice driving licence.

Profile 6a

I am a 50 year old Accountant from Montenotte, Co. Cork. I drive a 2011 Nissan Juke (5 door). I have two penalty points on my licence (for driving while using a mobile phone).

Profile 6b

I am a 50 year old Accountant from Montenotte, Co. Cork. I drive a 2011 Nissan Juke (5 door). I have 6 penalty points on my licence (for speeding (2), for driving while not wearing a safety belt (2) and for driving while using a mobile phone (2)).

Profile 7

I am a 67 year old retiree from Tallaght, Dublin 24. I drive a 2013 Ford Fiesta (5 door). I have 2 penalty points on my licence (for speeding).

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