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.

What Does Home Insurance Cover in Northern Ireland? A Complete Guide for Homeowners

Home insurance is one of the most important protections you can have, yet many homeowners in Northern Ireland are unsure what their policy actually includes. Understanding what is covered and what is not can help you avoid costly surprises and ensure your home is properly protected.

What Is Home Insurance?

Home insurance typically combines two main types of cover:

Buildings insurance
Contents insurance

Some policies allow you to choose one or both, depending on your needs.

What Does Building Insurance Cover?

Building insurance protects the structure of your home, including:

Walls, roof and floors
Permanent fixtures such as kitchens and bathrooms
Garages, sheds and driveways

It usually covers damage caused by:

Fire
Storms and flooding
Subsidence
Burst pipes

What Does Contents Insurance Cover?

Contents insurance covers the items inside your home, such as:

Furniture
Electronics
Clothing
Personal belongings

This protection applies in cases like:

Theft or burglary
Fire damage
Water damage

What Is Typically Not Covered?

While home insurance offers broad protection, there are common exclusions:

General wear and tear
Poor maintenance
Certain high-value items, unless specified
Unoccupied properties for extended periods

Optional Cover You Should Consider

Many insurers offer add-ons that can strengthen your policy:

Accidental damage cover
Personal belongings cover outside the home
Home emergency assistance

How Much Cover Do You Need?

The key is ensuring your home is insured for the correct rebuild cost, not its market value. Contents should reflect the cost of replacing everything in your home.

Let’s Chat!

Home insurance is not just about meeting requirements; it is about peace of mind. By understanding your cover, you can make informed decisions and ensure your home and belongings are fully protected.

If you are unsure about your current cover, speaking with an experienced broker can help you find a policy tailored to your needs.

Home Insurance

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