Offer includes a 10% online discount on this year’s policy, subject to a maximum of €100. Eligibility and minimum premium requirements apply. Promotional gift (choice of a European flight, luxury beauty treatment, or round of golf) available after a 45-day qualifying period from policy start date and subject to marketing consent. Redemption conditions and exclusions apply. Offers available to new customers in the Republic of Ireland only. Terms and Conditions apply.
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Car insurance is mandatory in Ireland, and it can be expensive but there are plenty of ways to keep your premiums down. Here’s a few smart tips to help you save when insuring your car:
1. Pay Annually
Paying your premium in one go is usually cheaper than monthly instalments, as interest is often added to monthly payments.
2. Enhance Your Car’s Security
Installing an insurer-approved tracker, immobiliser, or alarm can reduce the risk of theft and may help lower your premiums.
3. Choose a Less Powerful Car
Vehicles in lower insurance groups typically cost less to insure. If you're buying a new car, and looking for a minimum premium consider one with a smaller engine or lower insurance classification.
4. Reduce Your Mileage
Driving fewer miles can reduce your premium. Just be honest about your estimate under reporting mileage could invalidate your car insurance policy.
5. Increase Your Voluntary Excess
Agreeing to pay a higher voluntary excess can lower your premium. Just make sure it’s an amount you can afford in case you need to make a claim.
6. Park in a Safe Location
Parking in a private driveway, secure garage, or off-road space can reduce your risk of theft or damage, which may lower your insurance costs.
7. Build Up a No-Claims Discount
The longer you go without making a claim, the bigger your no-claims discount—potentially leading to significant savings over time.
Add a Named Driver
Adding an experienced driver (such as a parent or partner) to your car insurance policy can sometimes lower the premium. Make sure they genuinely use the car to stay within policy terms.
Trusted across Ireland for simple, stress-free car insurance.
Over 130,000 people across Ireland have trusted its4women with their insurance. There’s one simple reason for that, its4women lets you sort your insurance straight away.
Policies and Documents
Full policy terms and conditions can be found in the Policy Booklet
Car Insurance FAQs
Find answers to frequently asked questions about its4women car insurance in Ireland.
Why choose its4women.ie when buying car insurance?
We make car insurance simple, fast, and affordable – all online. We offer comprehensive cover tailored to your needs, with flexible payment options and telematics back box policies that reward careful driving. With excellent customer service and over 130,000 customers across Ireland, its4women.ie is a trusted choice for affordable, reliable motor insurance.
Does the value of my car affect my car insurance premium?
Yes, it can. Higher-value cars – such as new or electric models – often cost more to repair or replace if damaged or stolen, which can lead to higher insurance premiums. These cars are usually placed in higher insurance groups due to their performance, technology, and repair costs. Insurance premiums typically rise as the insurance group number increases. Insurers consider a range of factors when calculating your premium, including: - Your driving experience (including whether you hold a provisional or full licence) - Your claims history - Your geographical location - The type and age of your car - Your age - Your occupation and how you use your car - The level of cover you choose At its4women.ie, we calculate your motor insurance premium based on your individual details – so you only pay for the cover that fits your lifestyle.
Which countries does its4women motor insurance cover me in?
You’re covered in the Republic of Ireland, Great Britain, Northern Ireland, the Isle of Man and the Channel Islands including travel by sea between ports. Your cover is automatically extended up to 60 days in any country which is a member of the European Union and European Economic Area (EEA) plus Switzerland.
Can I drive a new car without vehicle insurance in Ireland?
No - car insurance is a legal requirement to drive in Ireland. You must have insurance to compensate someone for damages and injury in an accident you cause. You’ll need to arrange motor insurance cover before driving the car, even for a short distance.
How do I choose the best car insurance cover for me?
Think about what level of protection you need. Comprehensive insurance cover offers the highest level of protection, including accidental damage, fire, theft, and third-party liability. If you’re looking for lower-cost options, Third Party or Third-Party, Fire & Theft might suit you. Compare your needs, budget, and vehicle value before deciding. Learn more in our Policy Document – Section 1: Your Policy Cover.
My car insurance policy will expire soon. How long do I have to renew it before it’s cancelled?
You can renew your motor insurance policy any time before the expiry date. We’ll send you a reminder 28 days before your policy is due to renew, and you can renew instantly through your online account on its4women.ie. If your renewal isn’t completed in time, your existing policy could be cancelled, and you’ll need to set up a new car insurance policy.
Does its4women.ie only insure female drivers?
Nope! Despite our name, its4women.ie is for everyone. We offer car insurance for women and men, as well as new and experienced drivers across Ireland -welcoming all motorists, regardless of gender.
Can I insure more than one car in my name?
Yes, you can. While we don’t offer multi-car policies, you can take out separate policies for each car under your name. However, your no claims bonus can only be used on one car policy at a time.
How much does car insurance cost in Ireland?
It depends on a number of factors, car insurance isn’t “one size fits all”. Insurers will consider your age, location, driving experience, car type and driving history (e.g. accidents, claims, no claims, speeding offences, number of penalty points etc). You can get a free, no-obligation quote in minutes on our website.
Can I drive other people’s car under my insurance policy?
Sometimes - If your policy includes the Driving Other Cars Extension, you may be covered third party only to drive someone else’s car. This extension only applies to policyholders and isn’t standard on all policies. Plus, any damage caused to the car itself won’t be covered which means you would be liable for any damage costs. You’ll find this benefit in your Policy Certificate or Schedule if included.
Is car insurance more expensive for males or females?
Insurers can no longer use gender as a rating factor when pricing insurance. Your car insurance quote is based on factors such as age, location, driving experience, car type and driving history.
