Volkswagen Car Insurance

Volkswagen, or VW, is one of the world’s most recognisable German car brands - trusted by Irish drivers for its reliability, style, and everyday practicality. 

Founded in Wolfsburg, Germany in 1937, Volkswagen was originally created to produce the “people’s car” (Volks-Wagen in German) - an affordable, reliable vehicle for everyday motorists. This vision led to the creation of the legendary Volkswagen Beetle, one of the best-selling and most iconic cars in automotive history. 

Following World War II, Volkswagen began rebuilding under British management before regaining German control and expanding rapidly across Europe. The company introduced several models that would go on to define generations of drivers, including the VW Golf, VW Polo, and VW Passat - vehicles now firmly established among Ireland’s most popular cars. 

Volkswagen has a long history of engineering excellence and innovation. In 1975, the VW Golf GTI helped establish the “hot hatch” segment, blending practicality with sporty performance. Over the years, Volkswagen continued to evolve with advanced safety features, efficient TDI diesel engines, and modern TSI turbo-charged petrol engines, earning a reputation for quality and durability. 

Today, as part of the Volkswagen Group, one of the world’s largest automotive companies and the largest car manufacturer in Europe, Volkswagen continues to push innovation forward. The Group also includes respected brands such as Audi, Škoda, SEAT, CUPRA, Porsche, Bentley, Lamborghini, Scania, Man, International, Meteor and Ducati, reinforcing Volkswagen’s position within a global leadership network in automotive engineering. 

Volkswagen’s latest ID. electric range, including the ID.3, ID.4, and ID.5, showcases the brand’s commitment to sustainable mobility, while popular models such as the VW Golf, VW Polo, VW T-Roc, and VW Tiguan remain favourites among Irish motorists for their comfort, value, and proven build quality. 

Volkswagen remains a brand chosen by drivers who appreciate reliability, refined engineering, and long-term value - qualities that make it a trusted name on Irish roads. 

Yes - at its4women we provide motor insurance cover for most standard Volkswagen models in Ireland, including popular favourites such as the VW Golf, Polo, Tiguan, T-Roc, Passat, and electric ID models like the ID.3 and ID.4. 

We don’t currently offer classic or vintage car insurance, so cover may not be available for older VW models. 

If you don’t see your Volkswagen listed in our model range, get a fast insurance quote and we’ll confirm your cover options instantly. 

Car insurance groups in Ireland range from 1 to 50, with vehicles in lower groups typically costing less to insure. Cars in higher groups are usually more expensive to insure because they are viewed as higher risk or more costly to repair. 

Volkswagen models fall across a wide range of groups. For example: 
Lower groups: Polo, up!, entry-level Golf 
Mid-range groups: T-Roc, T-Cross, Passat, Tiguan 
Higher groups: Golf GTI / GTD / R, high-spec SUVs, performance trims 

Several factors influence which insurance group a Volkswagen model falls into: 

• Vehicle value - Higher-value cars often sit in higher insurance groups. 

• Repair costs - Models that are expensive to repair, or have parts that are harder to source, usually fall into higher groups. 

• Safety & security features (e.g., Volkswagen IQ.Drive) - Advanced safety and driver-assistance technology can help lower insurance group placement, as they help reduce accident risk. 

• Engine size & performance - More powerful, faster models tend to land in higher groups due to higher perceived risk. 

• Crash protection & build quality - Strong safety ratings can support lower insurance group categorisation. 

Insurance groups are only one factor that affects the cost of Volkswagen car insurance in Ireland. Your premium will also depend on personal rating factors such as your age, driving experience, location, claims history, and licence type. 

Volkswagen car insurance costs vary depending on the model and driver profile. Many VW models such as the Polo and Golf are known for solid safety ratings and efficient engines, which can help keep premiums competitive. 

However, sportier or higher-spec Volkswagen models (like GTI or R-line versions) may sit in higher insurance groups, which can increase premiums. 

At its4women, we aim to offer competitive pricing, flexible cover options, and rewards for safe, claim-free driving - helping Volkswagen drivers get great value on VW car insurance in Ireland. 

Get a quick online quote today. 

Volkswagen vehicles are known for their build quality, safety and strong engineering, but your car insurance cost will still largely depend on factors such as your age, driving experience, location, claims history and the specific Volkswagen model you drive. Here are some practical ways that may help reduce the cost of Volkswagen car insurance in Ireland: 

Be accurate with your annual mileage 
Insurers consider drivers who spend more time on the road to be higher risk. If you mainly use your Volkswagen for commuting, school runs or short journeys, make sure your estimated annual mileage is realistic. Over-estimating may increase your vehicle insurance premium, while under-estimating could cause issues if you ever need to make a claim. 

Enhance your Volkswagen’s security 
Stronger security features can help reduce theft risk. Many Volkswagens already include advanced factory-fitted systems, but you can add extras such as a steering wheel lock, approved alarm, immobiliser or GPS tracker. Parking your VW in a secure garage or on a well-lit driveway may also help lower your Volkswagen insurance premium. 

Build and protect your No Claims Bonus 
A strong No Claim Bonus (NCB) is one of the best ways to reduce the cost of insurance over time. Each year you drive your Volkswagen without making a claim earns additional discounts. Optional NCB protection (where offered) can also help preserve your bonus if you ever need to make certain types of claims. 

Consider telematics insurance 
Volkswagen drivers who are young or newly licensed may benefit from a telematics (Black Box) policy. This type of insurance rewards safe driving behaviour such as smooth acceleration, careful braking and responsible speed - which can help reduce premiums over time as you build experience. 

Choose the right Volkswagen model & trim level 
Lower-powered or smaller Volkswagens (e.g., Polo, up!, entry-level Golf, T-Cross) usually fall into lower insurance groups. Larger SUVs like the Tiguan or high-performance models like the Golf GTI, GTD or R tend to be in higher groups due to higher performance and repair costs. Choosing a more economical VW model can help keep premiums down. 

Add a named driver to your VW Policy 
If you're a younger or less-experienced driver, adding an additional experienced driver (such as a parent or partner) may reduce your premium. However, the main driver must always be the person who uses the car most often. Listing someone else as the main driver when you are the primary user - known as fronting - is illegal and can void your policy. 

Increase your voluntary excess 
Choosing a higher voluntary excess can reduce your VW premium, as you agree to pay more if you need to make a claim. Many drivers choose a moderate excess, but if you can comfortably afford to contribute more, increasing it may help lower the cost of insuring your Volkswagen. Just make sure the excess you select is realistic for your budget. 

Yes - we provide cover for Volkswagen hybrid and fully electric models, including VW ID.3, ID.4, ID.5 and Golf plug-in hybrid models (e.g., GTE). 

Volkswagen’s electrified range is rapidly growing in Ireland, offering low running costs, smart technology, and reduced emissions - making them a popular choice for modern drivers. 

Get a quote online and we’ll confirm your cover options instantly. With its4women, it’s easy to insure your VW electric or hybrid and drive with confidence. 

Hybrid and electric Volkswagen models can sometimes cost slightly more to insure, mainly due to the higher cost of repairing or replacing batteries and advanced electrical components. However, many Irish drivers still see strong overall savings thanks to lower fuel costs, reduced motor tax and fewer maintenance requirements compared to traditional petrol or diesel vehicles. 

Volkswagen’s ID. range  such as the ID.3, ID.4 and ID.5 offers excellent long-term value and has become a popular choice among drivers across Ireland. 

Yes - young drivers can insure a Volkswagen in Ireland. The cost of car insurance for young drivers  will depend on factors including age & licence type, driving experience, claims history, location, the VW model and engine size. 

Smaller or lower-powered models such as the Volkswagen Polo or entry-level Golf may help keep premiums more affordable, while performance models like the Golf GTI or Golf R typically carry higher premiums due to higher insurance groupings. 

With its4women, young drivers can also explore black box car insurance, that uses a small telematics device to monitor driving habits, such as speed, braking, and acceleration. Insurers then use this data to assess driving performance, rewarding safe drivers with lower premiums at renewal. Such policies encourage young drivers to drive responsibly, and the data can be used to help resolve claims and disputes more quickly after an accident. 

Yes - you must have valid car insurance in place to legally test-drive a Volkswagen, or any vehicle, in Ireland. 

If you're test-driving a new or used VW at a dealership, many reputable dealers provide temporary cover for the duration of the test drive - but always confirm this before driving. If cover isn’t provided, you’ll need your own insurance in place before taking the car on the road. 

If you're test-driving a Volkswagen privately, or viewing a second-hand model from a private seller, you must have your own valid insurance. Some policies include a “driving other cars” extension, but this usually only provides third-party cover, meaning the VW itself would not be covered for damage. 

For full peace of mind, consider temporary or test-drive insurance with comprehensive cover, ensuring both you and the vehicle are protected should anything happen. 

Yes - if you maintain a claim-free record, you can build up a No Claims Discount (NCD), which may help reduce the cost of your Volkswagen insurance over time. We also reward safe and responsible driving with additional benefits, helping you get even better value from your VW car insurance.