An insurance renewal is a new buying decision, even when the car, driver and insurer have not changed. Compare the policy you have with the one being offered, then get competing quotes using the same details. A lower headline premium can hide a larger excess, a restricted windscreen benefit or the loss of a courtesy car.
Start with the renewal notice
The CCPC says insurers must send a renewal notice and no-claims discount certificate at least 20 working days before the policy ends. The renewal page must also show premiums paid and claims recorded over the previous five years. Compare those figures with your own records and query errors before accepting the offer.
| Compare | What to check |
|---|---|
| Cover type | Third party, third party fire and theft, or comprehensive |
| Excess | The amount you pay toward each covered claim |
| Extras | Windscreen, breakdown assistance, replacement car and personal accident |
| Restrictions | Drivers, business use, mileage or overnight parking conditions |
From 31 March 2025, a driver number is required when taking out or renewing motor insurance, including numbers for named drivers. Have the licence details ready before requesting quotes. When comparing payment plans, include instalment charges; an annual price and a monthly price are not directly comparable until the total cost is clear.
Do not cancel the existing policy until the replacement cover is confirmed with a start date and time. If the new insurer asks about claims, modifications or use of the vehicle, answer accurately. Incorrect information can affect cover. For the effect of a higher excess, see Car Insurance Excess in Ireland.
