10 Responses for "Why is Northern Ireland different for car insurance?"

1. selena gomez February 4th, 2010 at 3:14 am 1

   Best Answer – Chosen by Voters Probably something about the bombs?

2. lady gaga February 4th, 2010 at 3:14 am 2

   Here in the US you have much higher rates for some areas that may be prone to accidents or thefts. Sorry about my ignorant 3rd world comment earlier. Please excuse me.

3. taylor lautner February 4th, 2010 at 3:14 am 3

   Jonjosar is correct – the main reason is that the legal costs in a compensation claim are higher.Add to this that Northern Ireland has more of a "compensation culture" than the rest of the UK, and that the standard or driving is slightly lower (everyone is in a hurry in their cars, but when they arrive the pace of life slows right down – never understood it), and the costs to insurers rises.Therefore many insurers just don't bother to cover people living in Northern Ireland. This means that there is less competition in the insurance market, so the already expensive insurance costs even more.As for those who've suggested bombs being the reason, that is definitely not the case – insurance won't cover you for acts of terrorism. Source(s): I have insured cars in England and Northern Ireland.

4. taylor lautner February 4th, 2010 at 3:14 am 4

   I remember reading somewhere before that a lot of mainland insurance companies dont sell insurance for N.Ireland because of the complex legal compensation system that we have. The solicitors drag every thing out here so that they can pocket more commission. On the mainland, these insurance companies have their own solicitorstherefore Its understandable that some insurers are wary. I dont think that its got anything to do with the proximity to the border with the Republic of Ireland. The 2 largest insurers now are Allianz(German) and AXA(French)

5. miley cyrus February 4th, 2010 at 3:14 am 5

   its a guess but with an open border with the republic thousands of drivers will be driving outside the UK and onto Irish roads which let me be the first to admit are of a poorer quality. also different traffic laws apply here. Insurance rates in the republic are among the highest in europe so perhaps companies feel that they can also cream a bit more off the top of Northern Irish drivers……Tis a fright to be Irish lads, an either side of the border Source(s): speculation

6. justin bieber February 4th, 2010 at 3:14 am 6

   what a load of eejeets wiv answers to that question,there is a ceasefire since the good friday agreement was signed and normality has by in large returned.there is no logical reason nowadays for quotes and blocks being placed on our wee country.so get real and give us all a break.

7. justin bieber February 4th, 2010 at 3:14 am 7

   There are more chances of your car being blown up!!!!

8. selena gomez February 4th, 2010 at 3:14 am 8

   I assume by the hair brained answers of "more likely to get your car blown up" are from people who have never set foot in Northern Ireland, but are obviously resident experts on the subject?????!!If they cared to visit Northern Ireland they would then realise how stupid a remark this is.Its true about the compensation culture here, but insurance companies generally use that as an excuse to either refuse cover here or charge an extortionate rate of premium.

9. Vanessa Hudgens February 4th, 2010 at 3:14 am 9

   There are more chances of your car being blown up!!!!

10. taylor lautner February 4th, 2010 at 3:14 am 10

    i never knew that