We reward safe driving

We recognise the expertise of experienced drivers and we believe that your no claims history should save you money. We also reward mature drivers with our many features and benefits, across various car policy cover options. That’s Liberty.

Mature_Drivers_GTO

Great reasons to get your car insurance if you're over 25 at Liberty

At Liberty Insurance Ireland, we reward good driving because experience deserves real road discounts. That’s why you save 60% on fully comprehensive car insurance when you’re over 25 and have nine years No Claims Bonus. 

We want to make it easier for you to understand what our policies cover so you can more easily compare with any other quotations you receive. Our cheap car insurance policies are designed to provide great cover and benefits, peace of mind and to reward safer drivers over 25. We believe this is insurance as it should be. Get a car insurance quote today!

Car insurance savings

Get a quote, buy online and get a discount of up to 25%. Great coverage, great benefits, great price.

Breakdown assistance

Breakdown assistance is available as an optional extra on your policy, giving you peace of mind on the road and at home.

Windscreen cover

Windscreen cover is standard on our Comprehensive policies and available as an optional extra on our other policies.

Check all covers and benefits of your car insurance

Every driver has different needs. We know that at Liberty.

  Third party only Third party, fire & theft Comprehensive

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 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.

N Y Y

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.

N Y Y

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.

N Y Y

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.

N Y Y

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.

N N Y

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.

N N Y

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.

N N Y

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.

Optional Optional Y

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.

N Optional Optional

 

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Great experiences make for great reviews

3.6/5 Liberty Score
Conal Keogh
06 / 03 / 2024
Billy Boyle
06 / 03 / 2024
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manage my policy

Managing your policy can be so simple

At Liberty, we know that not everything goes to plan in real life.

That's why in only a few minutes, you can change your car policy, add a cover option, pay for renewal or access all the documentation you need and save both money and time.

That's Liberty. 

Read our frequently asked questions on car insurance

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

Windscreen cover* is included as standard on our Comprehensive car insurance policies.

This is an optional extra on Third Party, Fire and Theft car insurance policies. This covers all the windows in the car (but does not include sunroofs, glass roofs or panoramic sunroofs) as long as an approved repairer is used.

A claim on your windscreen cover won't affect your No Claims Bonus. Two claims for every vehicle in any one period are allowed.

Call 1800 944 410 to arrange for your windscreen to be repaired.

[*] Windscreen Replacement Excess applies should your windscreen be deemed unrepairable by the glass technician. You pay the first amount as outlined in your policy schedule and we pay the rest.

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.

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