Car insurance NI

Car insurance NI FAQs

Find answers to frequently asked questions about car insurance in Northern Ireland.

• Can I get a Car Insurance quote if I don’t have a car registration number yet?

  If you're shopping around for a car, and don't know the exact registration number, you can still get an estimated Car Insurance quote by entering the make and model of the car you're looking at.

  Once you've bought the car and have the registration number, we'll be able to give you an accurate price and you can choose to go ahead with the insurance.

  Any quote you get will be based on an agreed set of assumptions.

• I am thinking about buying a second car - will I be able to use my no claims discount again?

  Unfortunately, you can't use your no claims discount twice.

  However, if you are the only driver on both policies, you may be eligible for an introductory discount on your second car.

  Get a Car Insurance quote for your second car or give us a call on 02890 020104 if you need to speak to one of the team.

  You'll find more information on our Car Insurance page.

• What does windscreen cover provide?

  Windscreen (or glass) cover means we will pay the cost of repairing or replacing cracked, broken or damaged windscreens or windows in your car.

  We'll also cover any scratches to the body work as a result of broken glass.

  Your schedule will show if you have this cover which you can find in your MyAXA Account.

  If you have a glass breakage and wish to make a claim, you can complete our claims form or call us on 03458 28 28 23 .

  All claims must be verified prior to any repair or replacement work being carried out.

  Terms & Conditions apply. Damaged or broken glass in sunroofs, panoramic glass roofs and mirrors is not covered. Glass claims will not affect your no claims discount.

  You'll find more information on glass cover in your policy document.

• What's the difference between Comprehensive and Third Party, Fire and Theft cover?

  Comprehensive covers:

  1. Damage by fire or theft
  2. We will also pay any claims or expenses arising from legal action brought against you following a road accident. There is no limit on the amount of personal injury claim settlements we pay on your behalf. If you damage someone else's property, there is a limit of £20 million.
  3. Accidental damage caused by you or others
  4. Malicious damage or vandalism
  5. Windscreen repair or replacement cover
  6. Car stereo cover

  Third Party, Fire and Theft covers:

  1. Damage by fire or theft
  2. Any claims or expenses arising from legal action brought against you following a road accident. There is no limit on the amount of personal injury claim settlements we pay on your behalf. If you damage someone else's property, there is a limit of £20 million.

  You’ll find more details in your policy booklet.