Car insurance NI

Car insurance NI FAQs

Find answers to frequently asked questions about car insurance in Northern Ireland.

• Can I get a quote if I don’t have a car registration number yet?

  If you're shopping around for a car, and don't know the exact registration number, you can still get an estimated Car Insurance quote by entering the make and model of the car you're looking at.

  Once you've bought the car and have the registration number, we'll be able to give you an accurate price and you can choose to go ahead with the insurance.

  Any quote you get will be based on an agreed set of assumptions.

• I am thinking about buying a second car - will I be able to use my no claims discount again?

  Unfortunately, you can't use your no claims discount twice.

  However, if you are the only driver on both policies, you may be eligible for an introductory discount on your second car.

  Get a Car Insurance quote for your second car or give us a call on 02890 020104 if you need to speak to one of the team.

  You'll find more information on our Car Insurance page.

• What does windscreen cover provide?

  Windscreen (or glass) cover means we will pay the cost of repairing or replacing cracked, broken or damaged windscreens or windows in your car if you use an AXA approved repairer.

  We'll also cover any scratches to the body work as a result of broken glass.

  Your schedule will show if you have this cover which you can find in your MyAXA Account.

  If you have a glass breakage and wish to make a claim, you can complete our claims form or call us on 03458 28 28 23 .

  All claims must be verified prior to any repair or replacement work being carried out.

  Terms & Conditions apply. Damaged or broken glass in sunroofs, panoramic glass roofs and mirrors is not covered. Glass claims will not affect your no claims discount.

  You'll find more information on glass cover in your policy document.

• What's the difference between Comprehensive and Third Party, Fire and Theft cover?

  Comprehensive insurance is the most extensive car insurance cover you can get and comes with a wider range of benefits as standard, while Third Party, Fire and Theft insurance only covers damage to any third party property and protects against loss or damage to your car caused by fire or theft. There are common benefits between the two, but key differences when it comes to a comprehensive policy.

  Common cover on both Comprehensive and Third Party, Fire & Theft policies:

  Comprehensive covers:

  1. Damage by fire or theft
  2. We will also pay any claims or expenses arising from legal action brought against you following a road accident. There is no limit on the amount of personal injury claim settlements we pay on your behalf. If you damage someone else's property, there is a limit of £20 million.
  3. Personal belongings up to £450

  The key difference between Comprehensive and Third Party Fire and Theft is that we’ll pay for damage to your car in the event of an accident, and below we’ve listed some of the key differences in benefits.

  Standard benefits under comprehensive, but not under Third Party, Fire & Theft:

  Third Party, Fire and Theft covers:

  1. Accidental damage caused by you or others (or loss of your car)
  2. Malicious damage or vandalism
  3. Windscreen repair or replacement cover (Available as an optional extra on Third Party, Fire & Theft policies)
  4. Misfuelling cover
  5. EV Wall charger cover

  You’ll find more details in your policy booklet.

• What information do I need to get a quote?

  To get a quote with us you’ll need to provide details about yourself, your car and your driving experience. Here is a short breakdown of what you will need on the quote form:

  1. Personal Information

  • Name, address, date of birth & contact details.

  • Your employment status

  • Your driver number, as it’s shown on your licence or learner permit.

  2. Car Details

  • The make, model and year of your car.

  • Car registration number

  • Estimated value of the car

  • How you use your car (commuting or leisure) and how many kms you drive per year.

  • Where you primarily park your car (driveway or garage or on-street parking)

  3. Driving History

  • How long you’ve had your driving licence/learner permit.

  • How many years you have had no claims or details of any previous claims

  • Whether you have any previous driving convictions or penalty points

  Other Info:

  • Details of any additional named drivers (you will need their driver number and driving history as well)

  • Where you live.

• Can I drive any car with comprehensive insurance?

  There are two levels of cover that you can drive someone else’s car with your insurance.

  “Comprehensive driving of other cars” comes as standard on our comprehensive polices. This cover applies when you’re driving another car that is not owned, hired or leased by you, your spouse your partner or employer. You must be over 25 to avail of this benefit.

  For polices who have third party fire & theft or third party only cover we do offer “driving other cars”. This provides Third Party Only cover if you’re driving another car that is not owned, hired or leased by you, your spouse your partner or employer. Again, you must be over 25 to avail of this cover.

  You can refer to your policy document for more details.

  Your policy schedule will show the level of cover on your policy. You can view this document through your MyAXA account. To register for MyAXA you'll need your policy number, email address and date of birth.