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Car Insurance FAQs

After how many years of not being insured will I lose my no claims bonus?
If you have been without insurance for three years, you will lose your no claims bonus.

If I have an accident, how much no claims bonus should I lose?
If it is not your fault, then none of your no-claims bonus will be taken. However, if the accident was your fault, then you will lose two years no claim bonus. You should note that you can pay an additional premium for a protected no-claims bonus.

How do insurance companies know if I have exceeded the mileage?
Some insurers will ask you for your mileage reading annually to check it. And if you need make a claim, they will ask for a milometer reading.

I don’t have a car but do have a driving licence. Do I need to buy insurance to keep my licence valid?
No, you don’t have to buy insurance to have a valid driving licence..

If you own a car do you have to insure it?
If the car is being used on, or even parked on a Public Highway, then yes, by law it must be insured.

If I get points on my licence, how much can I expect my insurance premiums to increase by?
For every three points that are added to your licence, you can expect your premiums to go up by around 25%.

Why is car insurance so expensive?

Car insurance in 2005 is at the same level as it was being charged in 1978! And while the cost of claims has increased by an average of 9% over the last twelve months, premiums have actually been reduced by an average of 8%. This means that insurance is now 17% cheaper than it was a year ago!

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