In Ireland, the license is not the only thing that you need while driving, you need an insurance too. Failure to produce a valid insurance while driving will not only result in fines and penalty points, it can also result in you getting disqualified from driving. In addition to that, you also need a current Certificate of Insurance in order to pay the motor tax.
Back in 2002, Ireland introduced the system of penalty points and any driving offence will add these points to your license. This was done with the motive of enhancing driver awareness and to reduce the number of road accidents. There is a full list of all the driving offenses which can add penalty points to your license and driving without insurance is a serious one among them. You can check out the full list of offences attracting penalty points in the RSA website. Keep in mind that if you are driving without insurance you can attract the following penalties. Know more from RSA approved driving instructors in Dublin.
As you can see, driving without insurance in Ireland is not an option that you can choose. Some of the features of the penalty point system are listed below for providing further clarity on the subject.
The minimum required insurance is about protecting the “third party” which indicates the other road users apart from the driver. The types of available insurance can be broadly classified into three categories.
This is the costliest insurance option in the market and it covers a driver for all possible eventualities. This include any damage done to the vehicle irrespective of the manner in which it was incurred, life and accident insurance, loss of personal belongings from the car and the accidents in a hired car. With the number of expensive cars on the rise, more number of people are opting for this type of insurance.
This is the most popular form of car insurance in Ireland as it provides cover for a range of eventualities at a reasonable price. Apart from the basic choices, there are also additional options available, like windscreen breakage and property damage.
This is the least amount of insurance required by law but it leaves the car owner vulnerable to accidents and any other type of loss. This will not cover for the damage sustained by the car in an accident or any loss due to a fire or a theft.
If you have been unfortunate enough to be involved in an accident with a driver who is without an insurance, here are the best steps you can take.
The insurance provider takes into consideration various factors like the age of the driver, the license, the type of car and past driving records before providing you the insurance quotation. It may happen that they may refuse to offer you an insurance, but you can always ask for the reason behind that decision. In case you have been refused by at least three insurance providers in writing, you can apply to the Declined Cases Committee of Insurance Ireland for providing you with an insurance quote.
With multiple insurance providers around, it is quite easy to search for the best quote for your car insurance. Now that you have understood the consequences of driving without an insurance in Ireland and the safety aspects involved with it, make sure that you never drive out without one.
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