Compare Car Insurance Policies

Get up to €300 off when you quote and buy your car insurance online. Less worry, more Liberty.

Online discount applies to new private car insurance policies only. Maximum discount €300. Subject to minimum premium and applied before optional covers. Acceptance criteria, terms and conditions apply.

How to find the best car insurance quote

At Liberty, we're futureproofing Car insurance in Ireland. That means we offer great cover with great benefits that allow you to customise your policy. Not sure where to start? Learn more about comparing Liberty Car insurance policies today. 

When comparing car insurance policies, it’s important to know what kind of coverage best suits
your needs. Factors can include the type of car you drive, how long you have been driving, and
your driving history. It can be helpful to compare our different car insurance offerings so that you know exactly what to look for.

Compare all our cover options and Car insurance benefits

Every driver has different needs. Discover our variety of Car insurance policies from fully Comprehensive to Third Party Only. You'll also be able to personalise your cover with a range of optional extras. That's Liberty.

  Comprehensive Third party, fire & theft Third party only

Third-Party Liability

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Third-party liability cover provides the minimum cover required by law. Liberty car insurance covers third-party property damage as a result of an insured loss up to €30 million and unlimited cover for third-party personal injury.

Y Y Y

Legal Costs

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We will pay for the following legal costs related to an event which is covered under the Liability to Others section:

a) Fees for a solicitor we appoint to represent you at a coroner’s inquest or fatal accident enquiry. 
b) Fees for legal representatives that we ask to defend you against a charge of manslaughter or causing death by careless or dangerous driving, if we decide there is a reasonable chance of success.

Y Y Y

Foreign Use

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Our car insurance provides the minimum cover you need by law to drive your car in any EU country or any other country which has made arrangements to meet the minimum insurance requirements of the Commission of the European Union. We will automatically extend this cover to provide your full policy cover (as shown in the schedule) for these countries, for up to 93 days in any one period of insurance. If you need cover for longer or you want to travel to any other country, you must contact us before you travel. 

The following cover does not apply while you are using your car abroad:

• Driving other cars. 
• Breakdown assistance.

For further information, please refer to the policy booklet.

Y Y Y

Accident Recovery

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Our car insurance provides the minimum cover you need by law to drive your car in any EU country or any other country which has made arrangements to meet the minimum insurance requirements of the Commission of the European Union. We will also pay the reasonable cost of protecting the vehicle and moving it to the nearest repairer if, as a result of any loss or damage insured under this section, the vehicle cannot be driven. If you need cover for longer or you want to travel to any other country, you must contact us before you travel.

The following cover does not apply while you are using your car abroad:

• Driving other cars. 
• Breakdown assistance.

For further information, please refer to the policy booklet.

Y Y N

Fire Brigade Charges

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We will pay for local authority fire brigade charges for putting out a fire in your vehicle or for removing the driver or passengers from the vehicle using cutting equipment, up to a limit of €2,200.

Y Y N

New Car Replacement

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If within 12 months of having bought a vehicle as new, it is severely damaged or stolen, we will replace it with a new vehicle of the same make and model. 

New car replacement covers you if you are within 12 months of purchasing a vehicle as new and:

a) The car is damaged and the cost of repairs are more than 60% of the manufacturer's list price including taxes, or
b) The car is stolen and not recovered. 

For further information, please refer to the policy booklet.

Y Y N

Radio/Audio/Navigation

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Cover for radio, audio & navigation equipment is provided up to 5% of the current market value of the vehicle before the loss happened or €635, whichever is lower.

Loss of or damage to the following equipment is covered if it is permanently fixed to the vehicle:

• Radio-receiving or transmitting equipment.
• Taxi meter.
• Audio equipment.
• Electronic navigation equipment.

The policy does not cover the loss of or damage to mobile phones and their accessories or spare parts.

Y Y N

Hire Car for Theft

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If your vehicle is stolen and is not recovered within 24 hours, we will provide a replacement car hire for up to five days or until the vehicle is recovered, whichever is sooner. 

For further information, please refer to the policy booklet.

Y N N

Medical Expenses

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We will pay for medical expenses up to €135 for each person injured if the vehicle is involved in an accident, as long as there is no cover in force under another motor insurance policy.

Y N N

Courtesy Car

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If your vehicle is repairable, you will be provided with a courtesy car for up to ten days while your vehicle is being repaired by one of our recommended repairers. 

For further information, please refer to the policy booklet.

Y N N

Windscreen Cover

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The cover you need for those unavoidable windscreen damages, giving you peace of mind with Liberty Insurance windscreen cover. We will pay the full cost of repairing or the cost of replacing (less the excess) damaged or broken glass in the windscreen or windows of the vehicle, as long as there has not been any other loss or damage. Claims for windscreen damages will not affect your No Claims Bonus. 

Windscreen cover is standard under our Comprehensive Package. If you have purchased a Third Party Only Package or Third-Party Fire and Theft Package, this benefit is available for an extra premium. 

For further information, please refer to the policy booklet.

Y Optional Optional

Breakdown Assistance*

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Our 24-hour breakdown cover provides 24 hour roadside assistance, including home start 365 days a year. Breakdown assistance includes:

• Mechanical breakdown.
• Flat battery.
• Fire.
• Attempted theft.
• Malicious damage.
• Punctures.
• Lost keys, stolen keys, keys broken in the lock or locked in the vehicle.

*Breakdown assistance covers three call-outs maximum per year. 

For further information, please refer to the policy booklet.

Optional Optional Optional

Driving Other Cars

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Liberty Insurance provides optional cover for driving other cars. If selected, we will cover you (the policyholder) to drive any other private car which you do not own or have not hired. 

Please see your policy booklet for full terms and conditions.

Optional Optional Optional

No Claims Discount Protection

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Once you have four or more years No Claims Bonus, you can pay an extra premium to protect it. You will keep your car insurance no claims discount as long as no more than one fault claim arises during any one period of insurance. Although you can protect your No Claims Bonus, your premium may still be affected by any claims we pay.

Optional Optional Optional

Personal Accident

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In the most serious situations, you want to be sure you have the best cover in place. That is why we will cover the policyholder for death and certain disabilities following an accident involving the insured car up to €6,500/£5,000.

Our personal accident cover will pay the policyholder or their legal representative €6,500/£5,000 if the policyholder is accidentally injured while travelling in or getting into or out of the insured vehicle and within three months this injury alone results in death, permanent loss of sight in one or both eyes, or loss of one or more limbs. The most we will pay in any one period of insurance is €6,500/£5,000. 

We will not pay this benefit for any injury or death resulting from suicide or attempted suicide or anyone who is convicted for driving while under the influence of drink or drugs at the time of the accident. 

For further information, please refer to the policy booklet.

Optional Optional Optional

Loss of Keys

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If the car keys or lock transmitter of the vehicle are lost or stolen, we will pay up to €850 for replacing the door and boot locks, the ignition and steering lock and the lock transmitter, as long as we are satisfied that the person who may have your keys or transmitter knows where the vehicle is. 

Claims for loss of keys will not affect your No Claims Bonus. 

For further information, please refer to the policy booklet.

Optional Optional Optional

Open Drive

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Open driving provides cover for other drivers to use your vehicle if they meet the following requirements:

• The driver is between the ages of 25 and 70, inclusive.
• The driver has your consent or on your instruction as the policyholder.
• The driver holds a full Irish, UK, or EU driving licence.
• The driver has not had any accidents, claims, convictions or penalty points in the last three years.

Optional Optional Optional

Excess Options

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You can reduce your insurance premium by increasing the excess on your policy. The standard excess on Liberty car insurance policies is €300. This excess is what you pay if a claim is made on your policy, before your insurer would make any payment.

Optional Optional N

 

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What should you look for when comparing Car insurance options?

Avail of Bonuses

Liberty Car Insurance policies include a No Claims Bonus, which can help you save money on your premium, as well as a multi-policy discount and named driver discount.

Decide what Matters

All our policies have their benefits. Consider the type and level of cover that would suit you best. 

Compare Benefits

What benefits are included on the policy you're considering? Some benefits might be more important to you than others. 

Remember that your car insurance policy may also have additional optional benefits which you can avail of.

Car insurance policies to suit everyone

We have a variety of tailored car insurance policies for your needs, no matter how long you've been driving. Learn more about our policy for easy car insurance comparison.

Get a car quote

Man driving

Standard Car insurance

Whether you're looking at Third Party, Fire & Theft or fully Comprehensive cover, we have a policy to suit you. What you need is what you get - controlled costs, no hidden add-ons and insurance that keeps you 100% covered. That's Liberty. 

Car insurance features and benefits

Young driver

Young Drivers Car insurance

Just starting out as a new driver? Getting your car covered doesn't have to be stressful. Find a competitive Car insurance quote as a young driver now. 

Young Drivers Car insurance

Experienced driver

Experienced Drivers Car insurance

Have a spotless driving history with no driving claims? At Liberty, we like to recognise safe driving. Get the best Car insurance for you with customisable cover to keep you driving safely. 

Experienced Drivers Car insurance

Cheap Car insurance

Sometimes, cheapest isn't always the best. You don't want to trade good cover for low cost - you'll end up paying more should the worst happen. Learn more and get an affordable Car insurance quote today.

Cheap Car insurance

Great experiences make for great reviews

3.6/5 Liberty Score
Conal Keogh
06 / 03 / 2024
Billy Boyle
06 / 03 / 2024
Showing our 4 & 5 star reviews

Read our frequently asked questions on Car insurance

We’re now giving up to 25% off Car insurance if you get a quote and buy your policy online. The discount will be applied automatically when you get your quote, and you can be covered instantly. It couldn’t be simpler.

With our quick and easy online quote system, a typical car insurance quote takes only two minutes. Acceptance criteria, terms and conditions apply.

To get a quote, you'll need to provide us with various details of all drivers to be insured on the policy. Please ensure that you have the additional driver's permission to share their information with us. Some of the details required are listed below. However, you may also need additional details which you'll be prompted to enter as you complete your quote:

  • Name
  • Date of birth
  • Licence details
  • Claims
  • Conviction details

You'll also need the details below of the vehicle you're insuring:
 

  • Registration number or make, model and year of manufacture
  • Address where it will be kept

A No Claims Bonus (or No Claims Discount) is a discount which you earn by holding a policy in your own name without any claims.

Details of a No Claims Bonus

  • It builds up in years, so the more years you drive without any claims, the bigger your discount will be, up to a limit of nine years.
  • Your No Claims Discount must have been earned on a policy within the past 24 months. To clarify, you must have held a policy in your name with your No Claims Bonus obtained within the past 24 months.
  • The discount can only be used on one policy and for one person at any one time. This means that if you currently hold another policy which will be remaining active, you cannot use the No Claims Bonus from that policy on this one.
  • You can use a No Claims Bonus earned on private motor, taxi or commercial policies on your private motor policy.
  • To avail of a No Claims Bonus, you must have earned your bonus on a similar policy. For example, for a No Claims Bonus to be applied on a motorcycle policy, it must have been earned on a motorcycle policy.
  • You can use a No Claims Bonus earned on a commercial vehicle or private motor vehicle towards a commercial vehicle policy providing the weight of the vehicle does not exceed two tonne carrying capacity.

What if my No Claims Discount is from outside ROI?

If your No Claims Discount has been earned outside the Republic of Ireland, it must have been earned in the past 24 months, within the UK, all EU countries, USA, Canada, Australia or New Zealand.

Please Note:

  • Once we receive proof of your No Claims Discount, we will contact your last insurer to confirm the document is valid.
  • We may need your help during this process, so we would request that you assist us with this. For example, we may ask you for contact details for your last insurer. We may also request that you contact your previous insurer to allow us to obtain information on your previous policy.
  • This process may take some time.
  • If we are unable to confirm your No Claims Discount, this may result in the removal of your discount, hence your premium may increase.

What do I need to do next?

Once you buy your policy, you will need to provide us with proof of your No Claims Bonus. To do this, you'll need to send us a copy of your No Claims Bonus Certificate.

Your No Claims Bonus Certificate will be included in your renewal pack from your previous insurer, or you can request it from them if you don’t already have it.

You can email a copy or a clear photo of your certificate to us. Click here to contact us. Remember to add your policy or reference number clearly in any emails you send to us. 

If you earned your No Claims Discount with Liberty Insurance under a previous policy, please contact us to advise.

You can choose to add Breakdown Assistance as an optional cover.

If you cannot drive your vehicle as a result of a breakdown, we'll arrange one hour of free roadside assistance and tow the vehicle to the nearest competent repairer, or to a garage of your choice, whichever is closer. If the repairs cannot be completed where the vehicle broke down and you're away from home, we can arrange and pay up to €150 for one of the following:
 

  • Transport for you and your passengers to your intended destination within the territorial limits; or
  • Use of a replacement vehicle for up to 48 hours while the repairs are being carried out; or
  • Bed and breakfast accommodation for one night only while repairs are being carried out (up to €35 for each person and €150 in total). If the vehicle is repaired, we will provide the cost of public transport for you to collect the vehicle.