Your Local Family Run Insurance Brokers
Motor Insurance
Using our service for your Motor Insurance
As one of the few remaining local family run brokerages in Northern Ireland, we value our members and pride ourselves on our efforts to keep our members satisfied often going above and beyond whilst being mindful that every member has their own needs which need met.
Offering Car Insurance through a panel of leading Insurers, we also provide cover for Young Drivers, Company Car Owners and Commercial Vehicles such as vans.
Car Insurance - Young Driver Insurance
We can offer quotes for young drivers and suggest options to keep costing down;
- Black Box Insurance Cover
- Named Young Driver Insurance
- Learner Driver Insurance - Short Term Cover
- Student Driver Insurance
Commercial Vehicle Insurance
With higher risk of theft and collisions, Commercial Vehicle Insurance is an essential requirement for any mobile business. Covering your vehicle against theft, damage and third party liability, so you can have full peace of mind at all times.
Whatever the specifics of your requirements - whether for HGV / Lorry / Haulage Vehicles, Multi-Vehicle or Courier and Haulier Vans - Down Insurances Ltd will provide you with an expert and personalised insurance for your needs.
All our motor insurance products have the opportunity to avail of Optional Extras;
Breakdown Cover - Unfortunately, breakdowns do occur and our claims team will always be on hand to help assist you during office hours. With CRASH Breakdown Services - you will be more than covered - ask a member of the team for more info.
Full cover throughout the entire island of Ireland & the United Kingdom.
Cover includes home start, roadside assistance, punctures, lost keys, fuel shortages & call outs.
Key Points;
- Insurance is a legal requirement and you must inform your insurer of changes in circumstances or requirements.
- You're responsible for answering any questions relating to your application honestly.
Courtesy Vehicle
All of our policies include a courtesy vehicle as standard where your car is repairable following a non fault accident.
Check out our seasonal tips section for more information realted to motor insurance.
Additional Information on
Comprehensive
This policy means that if you have an accident, fire or theft - you can claim to have your car fixed subject to any applicable policy excess.
Your insurance provider will also compensate damage or injury caused to third parties including drivers, passengers, pedestrians and property.
Third party, fire and theft
If you have an accident that was your fault, your insurance provider will only provide compensation to the third party involved including drivers, passengers, pedestrians and property. There is no cover for your own vehicle.
This policy also covers you if your car is stolen or is damaged due to fire.
Tip - Comprehensive cover is not necessarily more expensive, you should always get a quote on a comprehensive basis, and on occasion it could even be cheaper.
Third party only
If you have an accident that was your fault, your insurance provider will only provide compensation to the third party involved including drivers, passengers, pedestrians and property. There is no cover for your own vehicle.
Policy Excess
An excess is a payment that your insurance company will ask you to pay towards any claim made for your own vehicle damages.
Compulsary Excess
The first part of your excess is your compulsory excess which will be set by your insurer.
Voluntary Excess
The second part of your excess is known as your voluntary excess, this is set when you apply for your insurance policy. A higher voluntary excess can lower your premium, however it is worth remembering that in the case of an accident, you will have to pay this amount in full.
Breakdown Cover
Breakdown Cover is an optional extra, this service is provided separate to your insurance policy. Our Breakdown Cover includes full cover throughout the Entire Island of Ireland & the Great Britain. Cover includes Home Start, Roadside Assistance, Punctures, Lost Keys, Fuel Shortages & Call Outs.
Courtesy Vehicle
All of our policies include a courtesy vehicle as standard where your car is repairable following an accident. Some insurers will not supply a courtesy car where your vehicle is written off whilst other will however only for a limited number of time, please ask a member of the team when obtaining your quotation for confirmation.
Legal Expenses
All of our policies include legal expenses at no additional cost. (more detail)
Protected No Claims Discount
A no claims discount (NCD) is a reward for drivers who haven’t made a claim on their car insurance for a period of time. Some insurers will offer drivers the chance to protect their NCD if they build up several years’ worth. Please ask a member of the team for advice, additional premiums may apply.
Driving other Cars Extension - Private Car Policies Only
The Driving Other Cars extension or DOC as it is more commonly known, is a policy benefit included in some car insurance policies. DOC allows The Policyholder Only to drive another person's car with their permission on a Third Party Only (TPO) basis whilst being covered on your their policy regardless if they have Comprehensive, Third Party Fire & Theft or Third Party Only Cover. However, a growing number of insurers don’t provide the DOC extension and we would always strongly recommend that you check the wording on your Certificate of Motor Insurance to ensure the cover is available. Most, if not all insurance companies will not provide the DOC cover for drivers under the age of 25.
Driving other cars was only ever intended to be used in an emergency, if you find yourself regularly driving another vehicle it is recommended that you request to be added as a named driver to that vehicle’s policy.
Please ask a member of the team to confirm if you require more clarification or if your policy/quotation includes this benefit.