Why do I need car insurance?

Car insurance is both a legal requirement and one of the most important financial protections you can have as a driver in Ireland. Under the Road Traffic Act 1961, anyone driving on a public road must have at least third-party motor insurance. Beyond the legal obligation, a single accident can result in repair bills, medical expenses, or third-party compensation claims running into tens of thousands of euro, and insurance absorbs that risk so you are not facing it alone. Without cover you would be personally liable for any damage or injury you cause, and you would be breaking the law every time you drove.

What is the cheapest type of car insurance in Ireland?

Third-party only is usually the cheapest, but it offers limited protection. Many drivers find third-party fire & theft a better balance of cost and cover.

Can young drivers get affordable cover?

Yes. We work with insurers who specialise in young and learner driver policies, helping to reduce premiums through tailored options.

How does a no-claims bonus work?

For every year you drive without making a claim, you earn a discount on your premium. We can help protect your bonus with full or step-back protection.

How quickly can I get insured with Dickson & Wilson?

Most drivers receive a quote in minutes and can be insured the same day.

What types of car and van insurance cover are available?

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 and is the minimum legal requirement in Ireland. Choosing the right level depends on your vehicle value, budget, and how much protection you want.

How can I get a same-day insurance quote?

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.

What affects my car or van insurance premium?

Premiums are influenced by your age and driving experience, your no-claims history, the vehicle make, model and engine size, where the vehicle is parked overnight, and your annual mileage and usage (personal or business). We help explain how these factors impact your cost and how you might reduce premiums.

Is van insurance different for business use versus personal use?

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

Can I make changes to my policy mid-term (e.g. add a driver)?

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

What is the difference between buildings and contents insurance?

Building 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.

Does home insurance cover accidental damage?

Some policies include accidental damage cover, which protects against unforeseen incidents such as spilling paint on carpets. It is optional, so check the policy details or ask us to include it.

Is home insurance legally required in Ireland?

Home insurance is not legally mandated, but if you have a mortgage your lender will require buildings cover. Contents cover is strongly recommended for peace of mind.

What types of travel insurance are available?

Common types include single-trip (covers one trip), annual multi-trip (covers multiple trips over a year), and backpacker cover (longer overseas stays with flexible terms). Choose the type based on your travel frequency and length.

Does travel insurance cover medical emergencies?

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

Can I change or extend my travel insurance after purchase?

Yes, many policies allow extensions or changes such as a longer stay. Contact us before your original policy expires to avoid gaps in cover.

What happens if I cancel my trip?

If you cancel for a covered reason such as health issues or bereavement, you may be eligible for reimbursement of non-refundable costs. Terms vary, so check your policy wording.

What is fleet insurance, and why do I need it?

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

Can I insure mixed fleets of cars and vans under one policy?

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

Are there discounts for insuring multiple vehicles?

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

What types of business insurance cover might I need?

Depending on your business, you might need public liability, employers' liability, professional indemnity, commercial property, business interruption, or legal expenses cover. We will assess your risks and recommend suitable cover.

What is public liability insurance and who needs it?

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

What does employers' liability insurance cover?

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

What is product liability insurance?

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.

Dickson Wilson NI

Dickson & Wilson Insurance Brokers NI

Looking for reliable insurance brokers in Fermanagh, Northern Ireland? Dickson & Wilson Insurance Brokers NI delivers a personal‑shopper experience, sourcing the finest motor, home, business, and farm insurance options on your behalf. Enjoy tailored advice, fast quotations, and the reassurance of local expertise.

*Authorised and regulated by the Financial Conduct Authority

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Car Insurance

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Farm Insurance

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Mobile Home Insurance

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Experienced Insurance Brokers

Local Branches, Local Care

At Dickson & Wilson Insurance Brokers NI, our people are at the heart of everything we do. From our Lisnaskea office to our wider group of offices, our friendly and experienced team is here to listen, understand your needs and make finding the right insurance as simple as possible.

Whatever your insurance needs, you can count on us to take the time to find the right cover for you, at a price that offers great value. We’re here to help, every step of the way.

“Having an insurance broker you know and trust makes a real difference when you’re running a business. With Dickson & Wilson Insurance Brokers NI (formerly Wilson Insurance Brokers), we get a very personal service. They understand our business, are always easy to get hold of and, if we need something dealt with, we know it will be looked after. For me, it’s the relationship and knowing there is an experienced team at the other end of the phone when you need them that really matters.”

– Frank Mulligan
Managing Director –
GM Kitchens

Why Choose Us As Your Insurance Broker

With over 20 years of experience in the insurance industry, no matter what your insurance needs, you can rest assured that Dickson & Wilson Insurance Brokers NI will work with you to provide the best insurance coverage for you.

Your Personal Claims Advocate:
We're on Your Side When it Matters Most.

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Cutting Through the Jargon to Find Your Perfect Fit.

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Testimonials

Why Our Clients Love Working With Us

At Dickson & Wilson Insurance Brokers NI it is our mission to ensure our customers get the best level of cover at an affordable price. Offering a wide range of coverage options including car fleet insurance and agri insurance. Don’t just take our word for it here are some testimonials from our happy customers!

– Frank Mulligan
Managing Director –
GM Kitchens

“As our business has grown, it has been important to have an insurance broker who understands what we do and can support us as our requirements develop. Dickson & Wilson Insurance Brokers NI (formerly Wilson Insurance Brokers) have taken the time to understand our business rather than simply looking at insurance as a once-a-year renewal exercise. We value their proactive approach, commercial understanding and the fact that we can speak directly to experienced people when we need advice. They provide the combination of professional expertise and personal service that we want from an insurance broker.”

– Vince McCoy
Managing Director – Re-Kkur NI Ltd & Jaguar Polymers Ltd

“We moved our insurance arrangements to Dickson & Wilson Insurance Brokers NI (formerly Wilson Insurance Brokers) this year and have been very impressed with the service and approach from the outset. The team took the time to understand our business and our insurance requirements, providing clear, practical advice throughout the process. Everything was handled professionally and efficiently, and we have been particularly impressed by how accessible and responsive the team are. It has been a very positive start to the relationship and we look forward to working with Wilson Insurance Brokers in the years ahead.”

– Mark Blake
Director – Blakes of The Hollow

“Dickson & Wilson Insurance Brokers NI (formerly Wilson Insurance Brokers) have taken the time to really understand our business, our operations and the risks that come with a growing manufacturing company. We value having a broker who is accessible, responsive and proactive, and who can provide clear advice when we need it. The team at Dickson & Wilson Insurance Brokers NI have built a strong relationship with us and have consistently demonstrated a genuine commitment to supporting our business as it continues to grow and evolve.”

– Oonagh Meenan
Group Financial Controller – Crust & Crumb Group of Companies

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