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Insurance FAQs

Car & Van
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Travel
Fleet & Commercial
Business
Farm & Agricultural
General

Dickson & Wilson Insurance Brokers NI

Car & Van Insurance FAQs

There are three main types of motor insurance:

  • Comprehensive: Covers damage to your own vehicle and third‑party claims.
  • Third Party, Fire & Theft: Covers third‑party claims plus loss if your vehicle is stolen or damaged by fire.
  • Third Party Only: Covers damage you cause to other people or their property — the minimum legal requirement in Ireland.


Choosing the right level depends on your vehicle value, budget, and how much protection you want.

To get a same‑day quote, provide your details (vehicle type, usage, driving history) by calling the office. Many insurers return quotes quickly, often within hours. We compare multiple providers to find you the best option fast.

Premiums are influenced by:

  • Your age and driving experience
  • No‑claims history
  • Vehicle make, model, and engine size
  • Where the vehicle is parked overnight
  • Annual mileage and usage (personal or business)


We help explain how these factors impact your cost and how you might reduce premiums.

Yes. Business use insurance covers activities like deliveries, site visits, or transporting equipment. Personal use is limited to commuting or private travel. It’s essential to choose the correct usage type, as incorrect use can invalidate claims.

Yes — you can usually update your policy mid‑term to add a driver, change usage, or update vehicle details. Contact us and we’ll advise whether a mid‑term adjustment or a new quote is more cost‑effective.

Home Insurance FAQs

  • Buildings insurance covers the structure of your home (walls, roof, floors).
  • Contents insurance covers your belongings inside the home (furniture, electronics).


You can take either separately or as a combined policy for full protection.

Some policies include accidental damage cover, which protects against unforeseen incidents (e.g. spilling paint on carpets). It’s optional, so check the policy details or ask us to include it.

Home insurance isn’t legally mandated, but if you have a mortgage, your lender will require buildings cover. A contents cover is strongly recommended for peace of mind.

Yes. Business use insurance covers activities like deliveries, site visits, or transporting equipment. Personal use is limited to commuting or private travel. It’s essential to choose the correct usage type, as incorrect use can invalidate claims.

Travel Insurance FAQs

Common types include:

  • Single‑trip: Covers one trip.
  • Annual multi‑trip: Covers multiple trips over a year.
  • Backpacker cover: Longer overseas stays with flexible terms.


Choose the type based on your travel frequency and length.

Yes — most policies include emergency medical and hospital costs. Always check the maximum cover limit before travelling to avoid unexpected bills.

Yes, many policies allow extensions or changes (e.g., longer stay). Contact us before your original policy expires to avoid gaps in cover.

If you cancel for a covered reason (health issues, bereavement), you may be eligible for reimbursement of non‑refundable costs. Terms vary, so check your policy wording.

Fleet & Commercial Vehicle Insurance FAQs

Fleet insurance covers multiple vehicles under one policy. It simplifies renewal, improves management, and often reduces cost compared with individual policies.

Yes, many insurers allow mixed fleets on one policy. We’ll shop around for competitive pricing and proper classification for each vehicle type.

Yes — fleet discounts are common and can significantly reduce overall premiums. We help identify the best combination of vehicles to maximise savings.

Business Insurance FAQs

Depending on your business, you might need:

  • Public liability
  • Employers’ liability
  • Professional indemnity
  • Commercial property
  • Business interruption
  • Legal expenses


We’ll assess your risks and recommend suitable cover.

Public liability protects your business if a third party suffers injury or property damage due to your business activities. Essential for customer‑facing businesses, tradespeople, and events.

This covers employee injury or illness claims related to work. It’s legally required if you employ staff.

Product liability protects your business if a customer is harmed by a product you supply or manufacture. This is important for retailers, manufacturers, and distributors.

Farm & Agricultural Insurance FAQs

Farm insurance can include:

  • Farm buildings
  • Livestock
  • Machinery and equipment
  • Farm vehicles
  • Liability cover


We’ll tailor a policy for your operation size and type.

Yes — agricultural vehicles (tractors, trailers) often require specific cover because their use and risks differ from road vehicles. We can arrange cover that matches usage and statutory requirements.

Yes — we can include farm workers under your liability coverage. Requirements vary by insurer, so we’ll confirm terms and conditions for you.

  • Farm home covers your dwelling and personal belongings.
  • Farm business covers farm operations and related equipment.


Sometimes these are combined for full farm protection.

Always notify us of:

  • New land or buildings
  • New machinery or vehicles
  • Changes in livestock numbers
  • New employees


This keeps your cover up to date and protects you in a claim.

General Insurance FAQs

Contact your insurer or us as soon as possible with:

  • Policy number
  • Details and evidence of the incident
  • Photos or supporting documents


We’ll guide you through the claim process.

The excess is the amount you pay towards a claim before the insurer pays the rest. A higher excess usually means a lower premium, but more out‑of‑pocket cost at claim time

Yes — many insurers offer monthly payment plans. There may be a small administration fee.

Useful documents include:

  • Driver details and licence info
  • Vehicle or property details
  • Claims history
  • Business registration documents


We’ll tell you exactly what’s needed for your quote.