Dickson & Wilson Insurance Brokers
What Affects Your Car Insurance Premium?
Car insurance in Ireland isn’t “one size fits all.”
Our job is to help you navigate these factors and find the right balance of cost and coverage.
Premiums are influenced by several factors, including:
Age & experience:
Young and first-time drivers usually face higher costs.
Location:
City / town drivers often pay more due to higher accident rates.
Vehicle type:
Cars with larger engines or high repair costs can increase premiums.
No-claims bonus:
The more claim-free years you have, the more you save.
Policy extras:
Adding benefits like breakdown assistance will affect price.
Dickson & Wilson Insurance Brokers
Types of Car Insurance Cover
Every driver’s needs are different. Here’s a quick breakdown of the three main types of car insurance available in Ireland:
| Coverage | Comprehensive | Third Party, Fire & Theft | Third Party |
|---|---|---|---|
| Breakdown assistance |  | | |
| Windscreen cover | | | |
| Replacement car option | | | |
| Driving of Other Cars | | | |
| Full Bonus Protection | | | |
| Step Back Bonus Protection | | |
Car Insurance Extras
Popular Extras
At Dickson & Wilson, we can enhance your policy with additional benefits designed for Irish drivers.
Our brokers will explain which add-ons make sense for your budget and driving lifestyle.
Breakdown Assistance
Roadside help if your car won’t start.
Windscreen Cover
Fast replacement or repair of cracked glass.
Replacement Car Option
Stay mobile if your car is in for repairs.
Driving of Other Cars
Extend cover when you borrow another vehicle.
Bonus Protection (Full & Step Back)
Safeguard your no-claims discount.
Experienced Insurance Brokers
Why Choose Dickson & Wilson for Car Insurance?
When it comes to protecting your car, you need a broker who puts your interests first, not the insurer’s. Here’s why thousands of drivers across Cavan, Meath, Monaghan, Dublin and surrounding counties trust us:
- Independent advice: We compare policies from multiple insurers on your behalf.
- Local expertise: With decades of experience, we understand the unique needs of Irish drivers.
- Affordable premiums: We work to keep your cover cost-effective without sacrificing protection.
- Personal service: Speak directly with our brokers – no call centres, no automated bots.
Dickson & Wilson Insurance Brokers
What Affects Your Car Insurance Premium?
Car insurance in Ireland isn’t “one size fits all.”
Our job is to help you navigate these factors and find the right balance of cost and coverage.
Premiums are influenced by several factors, including:
Age & experience:
Young and first-time drivers usually face higher costs.
Location:
City / town drivers often pay more due to higher accident rates.
Vehicle type:
Cars with larger engines or high repair costs can increase premiums.
No-claims bonus:
The more claim-free years you have, the more you save.
Policy extras:
Adding benefits like breakdown assistance will affect price.
Car Insurance Topics
FAQs on Car Insurance in Ireland
What’s 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.