| Coverage Highlights
Our Ireland Car Insurance plan for non-residents and foreigners offers:
- Two insurance options
- Fully Comprehensive
- Third-Party Fire and Theft
- Legally required Third Party Liability included
- Driving in European Union countries up to 90 days
- Roadside assistance
- Windscreen protection *
- Personal injury benefits *
- Legal expenses cover *
- Personal belongings cover *
- Non-standard vehicle coverage available
- Imported vehicles (including Japanese imports) covered
- Poor driving history considered
- No Claims Bonus
*Only available on certain levels of cover. Please check your policy documents or speak to us if you have any questions.
| Get Your Ireland Car Insurance Quote
Vehicle insurance is required for drivers in Ireland. So, if you’re planning to drive as an expat, it’s essential to have the right car insurance coverage.
| Why Choose Clements?
You will have access to dedicated local personal insurance advisors experienced in serving the Irish market. This experience allows us to provide affordable and comprehensive coverage to expats living and working in Ireland.
Struggling to Get an Irish Auto Quote but Have Driven Elsewhere?
Many Irish insurers require driving experience on Irish roads. We are one of the only insurance brokers actively supporting and servicing the expat community in Ireland.
Are Your Insurance Costs Too High?
No worries. We can ensure your relevant driving experience gets reflected in your no claims bonus. That way, you can get the best possible premium to match the coverage level you need.
Global Broker with Local Expertise & Service
Clements provides the benefits of a global insurance broker, but with local knowledge and expertise.
We have been providing global insurance to expats since 1947.
| What Does Ireland Car Insurance Expats Cover?
More details about our Ireland car insurance coverage for non-residents:
Choose the Policy You Need:
- Third Party Fire & Theft Cover: includes protection for Third Party damages in respect of death or bodily injury or property damage as a result of an accident. This car insurance option in Ireland also includes cover for fire and theft claims relating to your vehicle.
- Fully Comprehensive Cover: includes all of the above with additional collision damage cover for your own vehicle.
Driving in European Union Countries
Covers you to drive in any country which is a member of the European Union, subject to max number of days, depending on your policy. You must advise us of trip before departure.
Roadside Assistance / Breakdown
- Roadside and doorstep assistance
- 1 hour free labour if the vehicle can be repaired at the breakdown site
- Towing of the vehicle to the nearest competent repairer
Drivers Medical Expenses
Windscreen Cover
- Covered for the cost of repairing or replacing damaged or broken glass in the windscreen or windows.
- Automatically included on comprehensive level of cover and is available as an optional extra on Third Party Fire & Theft policies.
Towing a Trailer or Caravan
Covers liability to Third Parties whilst towing. Does not include cover for the trailer or a caravan.
Personal Accident Benefits
Applies for the policyholder and any other authorised driver permitted to drive the insured vehicle, or any authorised passenger in the insured vehicle whilst the policyholder or the authorised driver is driving. Only available on Fully Comprehensive level of cover.
- Accidental death, loss of limb, loss of sight, hospitalisation, bone fracture
Poor Driving History Considered
Will consider quoting for customers with up to two fault or non-fault claims, or one fire or theft claim in the last two years.
No Claims Bonus
As long as no claim is made under this policy during any annual period of insurance, you will receive a discount when you renew your insurance.
New for Old Cover
If your car is brand new and you have an accident within its first year of registration, the vehicle is replaced with a brand-new car – subject to conditions. Only available on Fully Comprehensive level of cover.
Lock Replacement
Cover towards cost of replacing door, boot, ignition/steering locks, subject to limits and excess/deductible.
Driving Other Cars Benefit
Covers the policyholder for liability to other people while driving any other private motor car which you do not own or have not hired. Subject to conditions – please refer to your policy booklet for full details. Only available on certain Fully Comprehensive policies.
Coverage details are communicated to the policy holder at the time of sale and listed in your policy documents. All levels of cover are subject to policy terms and conditions. Please refer to the policy booklet and schedule for full details.
| Get Your Ireland Car Insurance Quote
Vehicle insurance is required for drivers in Ireland. So, if you’re planning to drive as an expat, it’s essential to have the right car insurance coverage.
| What You’ll Need to Get a Policy
Once you have purchased a policy you are required to provide the following documents for verification within 21 days. We will then issue your Certificate of Motor Insurance, which contains a disc which you should display in the windscreen of your car as evidence of holding a valid policy.
- Photo of front and back of your Driving Licence
- Proof of previous driving experience – NCB or Letter of Driving Experience
- Vehicle logbook
- Proof of employment (unless retired)
- Proof of address in Ireland
- Copy of passport
- Proof of National Car Test Certificate
| Which Foreign Driver Licenses are Accepted?
Any International Licence is acceptable if, at inception, the International Licence holder has been resident in ROI for less than 12 months. The only provisional licence accepted is Ireland. If you hold a foreign driving licence that was issued outside the EU, you are required to exchange or apply for an Irish driving licence upon becoming a resident in Ireland.
| FAQs
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There is no minimum vehicle value. The maximum value of the vehicle depends on your insurance policy. Please refer to your policy documentation for full details.
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Depending on your auto policy you may add up to 3 or 6 named drivers per policy.
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Driving other cars benefit is only available of certain Irish car insurance policies. Please refer to your policy documentation or speak to us for further detail.
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Neither our Third-Party Fire and Theft (TPFT) nor our Comprehensive policy covers:
- Cost of deductible/excess
- Tire damage
- Loss of use of vehicle
- Wear and tear
- Mechanical or electrical failure
- Loss or damage by theft or attempted theft if keys or key fob are left unsecured or unattended in car
- Fraud or collusion
- Wilful and negligent acts
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Ireland car insurance quotes are valid for thirty (30) days.
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Yes, both coverage options offer add-ons:
- On our Comprehensive policy, there is an add-on available which gives you the option to protect your No Claims Bonus in the event of a claim.
- On our Third-Party Fire & Theft policies you can request to add on windscreen cover.
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The Ireland car insurance policy deductibles vary depending on the claim. Please refer to your policy booklets for full details.
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Ireland car insurance policies are issued for one year (12 months). You can cancel your policy any time for a pro rata refund (Please refer to our Terms of Business for full details).
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Your windscreen cover, also referred to as glass breakage cover, will depend on your Irish car insurance policy and your level of cover selected. Please refer to your policy booklet for full details. Please contact us before you arrange to have your windscreen repaired or replaced as there are limits to the cover, and it is advisable to use our underwriters preferred providers.
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Temporary car insurance is not available in Ireland, aside from short-term car insurance through rental companies. All policies in Ireland are sold on an annual basis. You can cancel your annual policy with us any time for a pro rata refund (minus cancellation fees and applicable one-time charges).
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We accept debit and credit cards for full payment. You may also pay monthly by setting up a direct debit plan.
| Contact Us
Still have questions? Fill out the form below and we’ll be happy to answer them.
