Customer reviews
Car Insurance
10% cashback on your premium
You always pay IN, so why shouldn’t you get something OUT! We'll reward your loyalty and claims record with a recurring cash payout that we call the OUTbonus. Get 10% of your car insurance premium (less taxes and levies) back in cash when you hold your policy claim-free for 3 years. *Terms & conditions apply
Get a car insurance quote.
Acceptance criteria, terms and conditions apply. OUTbonus calculated less taxes and levies.
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Why choose OUTsurance Car Insurance?
At OUTsurance, you always get something OUT. Take advantage of cashback on your Car Insurance premium, great service, value-for-money prices, and comprehensive car insurance protection.
Passion for service
We are passionate and honest about how we operate. We believe in offering a quality service experience at all times. From Car Insurance sales to Car Insurance claims and everything in between, we are a people business that’s here for you.
Value-for-money prices
We take the time to learn about you and your unique car usage. We ask a number of questions to ensure we acheive a fair and accurately priced premium for your insurance needs.
Cashback with OUTbonus
We will reward your loyalty and claims record with a recurring cash payout that we call the OUTbonus. Get 10% of your insurance premiums (less taxes and levies) back in cash when you hold your policy claim-free for 3 years.* Read terms & conditions.
Efficient with claims
We understand that you need us most when things go wrong. That's why we're committed to making the claims process as quick and easy as possible.
Decades of experience
The OUTsurance Group has 25+ years of experience in business, building a trusted reputation in South Africa and Australia, placing customers at the centre of everything we do. Our insurance policies include an attractive range of features and benefits as standard, with optional covers to suit your needs. Learn more about the OUTsurance Group.
Irish-Based company
We are an Irish-Based insurance company located in Cherrywood, Dublin. Our call centre agents will support and assist you with getting the right level of insurance cover.
What type of car insurance do you need?
The best car insurance for you is an affordable policy that covers what you need. The policy offering the lowest premium does not always mean the best value for your needs.
Comprehensive Car Insurance
This is the most extensive cover you can get, subject to terms and conditions. It covers you for:
- Injury claim made against you by a third party.
- Damage due to an accident, fire, acts of nature, vandalism, theft or attempted theft.
- Property claim made against you by a third-party.
Plus:
- Repair or replacement costs if your car is damaged or written off.
- Damage to your car’s windscreen and other glass.
Third Party Fire & Theft
This covers you for:
- Injury claim made against you by a third party.
- Damage due to a fire, acts of nature, vandalism, theft or attempted theft.
- Property claim made against you by a third-party, subject to a maximum claim amount of €30 million
What type of car insurance do you need?
The best car insurance for you is an affordable policy that covers what you need. The policy offering the lowest premium does not always mean the best value for your needs.
Comprehensive Car Insurance
This is the most extensive cover you can get, subject to terms and conditions. It covers you for:
- Injury claim made against you by a third party.
- Damage due to an accident, fire, acts of nature, vandalism, theft or attempted theft.
- Property claim made against you by a third-party.
Plus:
- Repair or replacement costs if your car is damaged or written off.
- Damage to your car’s windscreen and other glass.
Third Party Fire & Theft
This covers you for:
- Injury claim made against you by a third party.
- Damage due to a fire, acts of nature, vandalism, theft or attempted theft.
- Property claim made against you by a third-party, subject to a maximum claim amount of €30 million
Compare car insurance options
Our car insurance policy includes a range of features and benefits as standard, with optional covers available also. The following table highlights our car insurance cover options, features, and benefits.
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Comprehensive
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Third Party Fire & Theft
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|---|---|---|
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Accidental Damage
You are covered for sudden and unforeseen damage that happens to your car without your intent or foresight up to the market value of your car.
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| Broken/Damaged Glass |
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| Fire |
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| Theft or Attempted Theft |
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| Third party property damage |
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| Third party injury |
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| Towing and Storage |
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| Fire Brigade Charges |
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| Replacement Locks |
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| Personal Items |
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| Medical Expenses |
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| New for Old Car |
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| Temporary Substitutions |
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| Driving of Other Cars |
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| Driving Abroad |
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Click below for important documentation:
Car insurance policy booklet | Terms of Business | Car insurance IPID
OUTsurance’s car insurance optional extras
We get that sometimes you might need a bit more cover to suit your situation. Which is why, on top of our standard car insurance policies, we offer a suite of optional covers.
OUTsurance’s car insurance optional extras
We get that sometimes you might need a bit more cover to suit your situation. Which is why, on top of our standard car insurance policies, we offer a suite of optional covers.
OUTbonus – Get 10% Cashback
The OUTbonus has landed. Get 10% of your insurance premiums (less taxes and levies) back in cash when you hold your policy with OUTsurance claim-free for 3 years.* You always pay IN so why shouldn’t you always get something OUT! Terms & conditions apply.
Read MoreCar insurance to suit your needs
Start a quote and insert your details. You will then be on the road to receiving a car insurance quote. Cover your car and get access to a list of comprehensive benefits with OUTsurance’s car insurance policies.
Standard car insurance
Looking for great value car insurance in Ireland? Our car insurance policy includes an attractive range of features and benefits as standard, with optional covers to suit your needs.
Electric car insurance
Got an electric car or thinking about making the switch? Our car insurance policy includes an attractive range of features and benefits as standard, with optional covers to suit your needs.
Car insurance for women
Gender equality is a fundamental right in the EU. When it comes to insurance, you don’t have to pay more, or less, simply because of your gender. As everyone's insurance needs vary, we offer car insurance cover with optional add-ons to assist you with your insurance selection.
Car insurance to suit your needs
Start a quote and insert your details. You will then be on the road to receiving a car insurance quote. Cover your car and get access to a list of comprehensive benefits with OUTsurance’s car insurance policies.
Standard car insurance
Looking for great value car insurance in Ireland? Our car insurance policy includes an attractive range of features and benefits as standard, with optional covers to suit your needs.
Electric car insurance
Got an electric car or thinking about making the switch? Our car insurance policy includes an attractive range of features and benefits as standard, with optional covers to suit your needs.
Car insurance for women
Gender equality is a fundamental right in the EU. When it comes to insurance, you don’t have to pay more, or less, simply because of your gender. As everyone's insurance needs vary, we offer car insurance cover with optional add-ons to assist you with your insurance selection.
Why do you need car insurance?
Car insurance is a legal requirement in Ireland. It offers financial protection if your car is involved in an incident that damages property or a vehicle, or injures another person. Third-party car insurance is the minimum legal requirement. If your car is damaged in an accident, stolen, vandalised or catches fire, to cover these damages you will need a higher level of cover.
If you drive while uninsured, you could be fined and get penalty points. You could also go to prison for up to 6 months. Furthermore, failure to display a valid insurance disc carries an initial fixed charge of €60 (rising to €90 after 28 days).
What do you need to get a car insurance quote?
To get a quote, you'll need to provide us with various details of all drivers to be insured on the policy. Some of the details required are listed below. However, you may also need additional details which you will be prompted to provide as you complete your quote.
Personal details and your licence
Including your job, age and your address, plus the same for named drivers. We'll also need to know the type of licence you have and how long you've had it.
Details of the car
The car’s registration number if you know it and if not, the make and model will do. We will also need the car’s age and details of any modifications you may have made.
Claims and driving history
Claims and your driving history, including any driving convictions. These details will help determine the price you get.
Details on car usage
We will need to know if you use the car for social, commuting or business use, and how many kilometres you drive. You’ll also need to let us know where you’ll keep the car at night.
How can you get cheaper car insurance quotes?
You can find a few simple tips below that could help reduce your car insurance price.
1. Pay Annually
Although there’s an upfront outlay, paying annually tends to work out more cost effective than paying in monthly instalments.
2. Keep security tight
Alarms and immobilisers reduce theft risk. Parking your vehicle on a private driveway or locked car garage could assist to reduce your car insurance price.
3. Change car
In the market for a new car? Sports cars with large engines tend to cost more to insure. If you’re due an upgrade, changing your car could help you to save on your car insurance premium.
4. Monitor mileage
Check the mileage you do is correct and that you haven’t overestimated or underestimated it.
5. Shop around
Ensure to shop around and compare car insurance quotes to get the best deal and the right cover at the right price.
6. Avoid modifications
Modifying your car can often mean more expensive repair costs so you could pay higher car insurance to cover this.
How can you get cheaper car insurance quotes?
You can find a few simple tips below that could help reduce your car insurance price.
1. Pay Annually
Although there’s an upfront outlay, paying annually tends to work out more cost effective than paying in monthly instalments.
2. Keep security tight
Alarms and immobilisers reduce theft risk. Parking your vehicle on a private driveway or locked car garage could assist to reduce your car insurance price.
3. Change car
In the market for a new car? Sports cars with large engines tend to cost more to insure. If you’re due an upgrade, changing your car could help you to save on your car insurance premium.
4. Monitor mileage
Check the mileage you do is correct and that you haven’t overestimated or underestimated it.
5. Shop around
Ensure to shop around and compare car insurance quotes to get the best deal and the right cover at the right price.
6. Avoid modifications
Modifying your car can often mean more expensive repair costs so you could pay higher car insurance to cover this.
How much is car insurance in Ireland?
It depends on the type of car you have, where it’s parked, your claims history, how many kilometres you drive, and more. The price of your policy can also change based on your risk of making a claim. If you are statistically more likely to make an expensive car insurance claim, then your insurance will be more expensive. Age is one factor that has a clear impact on the cost of car insurance. Younger drivers without driving experience may typically have to pay more for insurance, whereas older drivers with a good driving record may be able to avail of cheaper premiums.
start car insurance quoteFrequently asked car insurance questions
Why can’t I use my No Claims Discount?
At OUTsurance, we make insurance simple. We go beyond the traditional no claims discount (NCD) approach by taking the time to learn about you and your unique car usage. By asking you about your full insurance and claims history, we gain insights that a standard NCD level doesn't provide. These details are crucial in understanding your specific situation.
While we don't offer a conventional NCD, the premium you receive from us is calculated using all this comprehensive information making sure to give you the full credit when you have a good driving record. This approach ensures that you are always offered the most competitive rate possible, tailored to your individual driving profile. With OUTsurance, you're assured of insurance that's not just simple, but also smartly customized to your unique needs.
On top of that we then also throw in the OUTbonus where we will give you 10% of your premiums (less taxes and levies) back in cash when you hold your policy with OUTsurance claim-free for 3 years.* Read terms & conditions here.
How do I add additional drivers to my Car Insurance policy?
Adding a driver is easy at OUT. Call us on 1800 600 400 or request a call back and one of our trained agents will walk you through the steps to ensure all the details are correct and drivers are added properly.
I missed a monthly Car Insurance payment, what should I do?
OUTsurance will notify you should this happen. In most cases we will resubmit your premium to the bank after 7 days. Alternatively contact our friendly agents who will assist you.
What are the payment options available?
OUTsurance offers you flexibility in how you pay for your insurance.
Pay in full:
Some people like to pay in full and know they have their cover sorted for the year.
Monthly:
With our monthly option we make it easy for you to pay your insurance in instalments. We will require a upfront deposit which is normally equal to 2 months and then spread the rest of the payments over 10 months. For exact details of the payment amounts and their due dates , this is detailed in your Policy Schedule.
I bought a new car and need to change my car insurance policy, how can I do this?
You can either request a call back from one of our friendly staff or call us on 1800 600 400 and we will gladly assist you in changing your car or your motor policy with OUTsurance..
How soon can I get car emergency assistance?
Call us on 1800 600 400 and we will assist you 24 hours a day. We offer emergency assistance optional cover and we give policy holders flexibility to decide what extras they want rather than including everything. So please add this if this is something important to you.
What additional add ons can I get?
OUTsurance offers a number of additional benefits. We believe in giving customers choice to select the extras they want, so they don't pay for those they dont.
These include:
- Breakdown Assistance
- Courtesy car
- Comprehensive driving of other cars
- Child car seats
- Wallcharger
- Comprehensive cover abroad
What is new for old?
If your vehicle is written off within the first 12 months we will replace it with a new model. This relates to brand new or demo models, within 12 months of first being registered and has driven less than 25 000 kilometers. OUTsurance reserves the right to pay a cash equivilent if a replacement is not available.
Am I covered to drive abroad?
When driving outside of the Republic of Ireland, but within the European and UK region, you will have sufficient cover to meet the minimum liability cover requirements of the specific region. If you require comprehensive cover abroad, please refer to the additional add on which will provide comprehensive cover in European countries for up to 90 days.
What is the OUTbonus ?
If you remain claim free for a period of three consecutive years, you get 10% of your paid insurance premiums (less taxes and levies) back in cash. Read terms & conditions here.
Need further assistance?
Contact us
We care about protecting what matters to you. Our contact centre is ready to take your call.
Visit our Contact Us page.
Claims
We will own the claims journey. You can trust us to help you get what you need when claiming.
Learn more about making a claim on our Claims page.
Careers
Looking to take the next step with your career?
Visit our Careers page to review open roles and apply.
Need further assistance?
Contact us
We care about protecting what matters to you. Our contact centre is ready to take your call.
Visit our Contact Us page.
Claims
We will own the claims journey. You can trust us to help you get what you need when claiming.
Learn more about making a claim on our Claims page.
Careers
Looking to take the next step with your career?
Visit our Careers page to review open roles and apply.
OUTsurance in the media
*Your OUTbonus operates across all your policies with OUTsurance (with the same customer number). When you make a claim your OUTbonus is forfeited, and the three-year cycle starts again. However, certain claims like windscreen repair do not effect your OUTbonus. You need to remain a customer with OUTsurance for the entire OUTbonus period to receive your OUTbonus.