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Cheap Car Insurance Quotes in Ireland | Great Deals for 2025

osdKennAdmin 10th December 2024

Our Car Insurance Puts You in the Driver’s Seat

KennCo Car Insurance provides cheap third-party fire & theft and comprehensive insurance cover. Our high-quality policies come with all the benefits you might need included as standard. We’re happy to insure you if you’re a mature driver and have a claims record or drive a large or unusual car in Ireland.

Above all, here at KennCo Insurance we care about our policyholders. Because of this, your insurance policy provides you with all the cover you might need and at a great price too! We’ve included many extra features as standard, including breakdown cover and legal expenses. In addition to this, we’ve also added the following features as standard: 

Car Insurance Features
  • 24-Hour Breakdown Assistance with Home Start
  • Cover for Cars up to 17 Years Old
  • Cover for Penalty Points
  • Foreign Driving up to 31 days
  • Unlimited Car Windscreen Cover*
  • No Loss of No Claims Bonus for Fire or Theft Claims
  • Driving Other Cars for 25+ Year Olds**
  • Discounts for Additional Voluntary Excess
  • Monthly Payment Plan Available through Finance***

Get a Secure Quote

Types of Cover

Comprehensive Car Insurance 

Comprehensive car insurance cover means that if you are involved in a car accident, we will cover the cost of repairing your car. Along with this, if necessary, we will cover the cost of repairing any damage or injury to third parties, if you are at fault. Read more

 

Third Party Fire & Theft Car Insurance

Third party fire and theft insurance means that if your car is damaged due to a fire or as a result of theft, you’ll be covered.  It also covers any damage or injury to third parties as a result of an accident where you are at fault.  Damage to your own car is not covered by this type of insurance. Read more

 
All policy documents can be found here.

 

*With a comprehensive policy & an approved replacement company, €25 excess may apply.
 **Exclusions apply to some occupations, full licence holders only
***Deposit required upfront (30% of total premium) with the remainder of the premium paid over the following 9 months. You will be entering into a credit agreement with Close Brothers Premium Finance Ireland. 

 

Car Insurance Quote TESTIMONIALS

Not just my claims assesor Crtistina but also the KennCo company went above and beyond when I had a car accident.
The service and compassion that was provided during this time was heartfelt and extremely effective. As my claim settlement was extremly fair for the circumstances.
A very big thank you to Cristina for the high level of prosessionalism provided. As she is centrally leading the customer service team by example.

Usman Ali

I moved home from New Zealand just over a year ago and was shocked at the number of insurance companies that flat out refused to quote me…In contrast, the staff at KennCo were both professional and practical when discussing my situation. I was provided a solution which, although expensive, allowed me to get on with life and work in Ireland. I was pleasantly surprised at the much improved renewal quote I received this year and was happy to sign on for another year.

Colm

Just a brief note to say thank you for all the assistance you gave me recently in relation to my daughter’s car. You were most helpful and efficient and we really appreciate the effort you put in dealing with our case.

I wish there were more like minded people out there in companies such as yours.

A O’Neill

Car Insurance FAQ

Yes. You can renew your car insurance online by visiting www.kennco.ie/renewal.

If you would like to make any amendments to your policy please call us on 014092600 before you renew your policy with us. If you would like to submit an amendment online, you can fill out our Customer Change Request forms and an agent will respond within 2 working days.

Your insurance policy does not come into effect until the full amount or Deposit amount (for credit agreement) owed has been paid. If you have let your policy lapse please call us on 014092600.

An excess is an amount you must pay yourself if you claim under your policy. For example, if your excess is €250 and you're claiming for €3,000, the insurance settlement you would receive would be €2,750. KennCo Insurance offer discounted premiums for higher excess amounts.

Yes, you can get a discount on your insurance by increasing your policy excess. For example, if you have an excess of €1,000 and you’re claiming for €3,000. The insurance settlement you would receive would be €2,000.

 

If you wish to change your policy from a change of car, policy cover, address or other, you can contact us by email, [email protected], or phone us on 014092600. The change is not in operation until we have confirmed it with you. If you wish to change your policy out of hours, you can fill out our online customer request forms. 

KennCo Insurance offer driving of other cars for over 25 year olds, once they match our criteria. If it is provided, you are restricted to third party insurance cover only. Call 014092600 to discuss with an agent.

Driving other cars means the policy holder can drive a car which isn’t owned by them, their spouse, an employer or hired by them. This cover is always third party only and driving of other cars is not available for all policies. If you are over 25 years of age please check with us to confirm whether you are covered. KennCo do not offer Driving of other cars for policy holders under the age of 25.

You can choose to insure yourself only or you plus up to 4 named drivers.

Open driving is an optional cover that allows others to drive your car. KennCo do not offer open driving on Car Insurance policies currently.

You have the right to cancel the policy within 14 working days of the inception date or the date you receive the policy documents without giving any reason. All you need to do is tell us and return the certificate of motor Insurance and insurance disc. If you cancel this policy during the “cooling-off period”, all you need to do is pay a premium for the time you had insurance cover, provided no claim has occurred since inception.

We like to keep things as simple as possible for you, the customer. You can now upload all documents via our portal.

Windscreen cover is included as standard with all Comprehensive KennCo car insurance, with our approved repairer. We will pay for accidental damage to the insured vehicles windows or windscreen. If you are only claiming one windscreen claim within your period of insurance, your no claims bonus will not be affected.

You may be surprised at the causes of windscreen damages -Here's our windscreen claims infographic with our statistics.

Yes, we offer our customers the option to pay monthly through a finance agreement. You will be required to pay 30% of your premium as a deposit. The remainder of your payments will consist of 9 monthly payments.

You can avail of our monthly payment option when purchasing a new policy or renewing your policy. If you miss a monthly payment or a payment fails, KennCo give you 7 days to pay over the phone.

Please note that you will be entering into a credit agreement with Close Brothers Premium.

We usually do recognise company car driving experience if your driving experience is current and claims free. You’ll just need to provide proof of your continuous driving history with a letter from the Insurer who covers your driving.

The letter you will need is called a letter of named driving experience. This letter will be issued by the insurer that covered you’re driving during this time. It will outline the dates you were covered and note any claims that may have occurred. The discount allowed is related to the number of years you are driving claims free.

Yes. All our car insurance policies include breakdown assistance and Home Start Cover.

All emergency numbers can be found here.

KennCo Insurance Motor Policies

24-Hour Breakdown Assistance Number:

01 499 8316

KennCo Motor Policies through Footprint/R&Q/Accredited
24-Hour Breakdown Assistance Number:


Footprint and R&Q: 01 908 9030
Windscreen Repair: 01 908 9030

Learn what to do if you find yourself with a broken down car  and what to pack in an emergency car kit.

It includes the following:

  • 24 Hour Roadside Assistance
  • Recovery Service
  • Get-you-to-your-destination Service
  • Home Start

If your vehicle breaks down, call one of the numbers below, depending on your location below. Please have the following information ready when you call:

  • Policyholders' name
  • Policy number or car registration number
  • Make, model and colour of your car
  • Location of breakdown
  • Contact phone number

 Knowing what todo in a situation of a breakdown is important. Preparing for a car breakdown is also easy to do.

We will then send one of our approved agents to your location as soon as possible. Breakdown Assistance only covers repair works from any of our approved agencies.

 

Breakdown Assistance Contact Numbers

 

KennCo Insurance Motor Policies

24-Hour Breakdown Assistance Number:

            01 499 8316

 

KennCo Motor Policies through Footprint/R&Q/Accredited

24-Hour Breakdown Assistance Number:

           

Footprint and R&Q: 01 908 9030

Windscreen Repair: 01 908 9030

A modification is any change you make to your vehicle that alters it from the manufacturer's standard settings. You must inform us of these changes. Examples of modifications include exhaust upgrades and body kits. If you don't declare modifications, we may invalidate your cover.

If you are unsure about car modifications and how they may affect your car insurance we have a guide to car modifications with all the information you need.

If someone not on your insurance crashes your car, then your insurance will not cover them, and they will be liable for any damage they have caused.

If you have suffered damage where the insured driver of your car is not at fault for the accident and the other vehicle is identified and not insured, then the damage to your vehicle is covered and will not affect your no claim discount.

We have outlined everything you need to know about being hit by an uninsured driver in our blog.

You should inform KennCo of any medical conditions at the quote stage that may affect you’re driving. You should inform the National Driver License Service (NDLS) of any conditions you have which may impair your ability to drive. You may then be required to submit a medical report which a medical practitioner would complete.

When you've been in an accident, take the following steps:

  • If necessary, notify the Emergency services immediately.
  • Notify the Gardaí & Emergency service (if necessary) immediately.
  • Note the insurance details of the third party involved.
  • Note the names, addresses and phone numbers of any witnesses.
  • Take note of any details such as registration number, car model, speed zone, time of day and more.
  • Take photos if it is safe to do so.
  • Don't admit liability.
  • Contact KennCo's claim number 01 409 2600 (select option 4) or for Out of Hours contact 01 2735195.

Ring KennCo as soon as you can to inform them of the accident, even if you are not at fault. By telling us early, you will provide accurate information regarding the accident while you have a clear memory of what happened. You can make claims years after an accident has occurred, so it is better to have the details on record as early as possible. KennCo's claim number is 01 409 2600 (select option 4) or for Out of Hours contact 01 2735195.

No. Cash is not covered when stolen from your vehicle.

We will pay you the Market Value of your car at the time of the accident.

Here at KennCo we are happy to provide you with a quote even if you have a lapse in your car insurance cover. We take your driving abroad into account, so you don't miss out on any discount if you're a safe driver. Call us on 014092600 to speak to an agent if you are returning to Ireland. 

We understand it's hard to get insured when you are returning to Ireland after living abroad and looking for car insurance. This is why you should choose us for expat car insurance.

We may require information such as proof of driving experience abroad. We may request proof of driving while you were in Ireland previously. You can request documentation from previous insurance companies, this will suffice.

A no claim discount (NCD), also known as a no claims bonus, reduces the cost of your insurance if you don't make any claim. It is based on the number of consecutive years you have not made any claims under your policy. So if you haven't claimed in five years, you will have five years of no claim discount applied to the cost of your car insurance. KennCo automatically include Step back protection on all Car Insurance as standard. If you are insured with KennCo, Step back protection means that if you have a 6 year no claims bonus and you have an accident during the year, at renewal you will only go down to 4 years NCB, rather than losing your full no claims bonus. KennCo Offer Full NCB protection on 5 Years plus, if no more than 2 claims have occurred under Your Policy during any 3 year period.

Yes. If you travel abroad and want to drive, contact us to ensure your policy covers driving abroad. If so, bring the necessary documents with you to prove this. KennCo's Car Insurance policies includes foreign use for up to 31 days.

Yes. However, you will not be covered under your KennCo Car Insurance policy during this time. The rental company will provide the car insurance for the duration of your rental. Before you drive away from the rental company's depot, check for any marks or damage to the car. Most rental companies will also require a full tank of fuel on your return, and if you return without a full tank, you may incur a fine.

Car insurance provides cover for the owner of the car for loss or damage to any vehicle. Car Insurance provides you with a sense of security when you have damaged your vehicle. Premium amounts are payable to the person securing insurance depending on several factors such as the type of vehicle, age of the vehicle, age of the insurer and more. KennCo Insurance provide Car Insurance quotes online 24/7 or over the phone during opening on 014092600.

We know car insurance in Ireland can be costly, so we can help with getting you the best policy and quote. There are many ways to get a cheaper car insurance quote. We discuss it here in a blog. Your car insurance premium is influenced by many factors. You're probably sitting there wondering, so, how do I get cheap car insurance? Well, we have the answers for you.

Buy a Car With a Small Engine: When purchasing a car and you want a more affordable insurance price, you should look at buying a car with a smaller engine size. They are safer and, therefore, less likely to be in an accident. You will also save more money on motor tax and fuel. 

Avoid getting penalty points: If you have zero penalty points on your license, you are sure to get cheaper car insurance than if you had four penalty points. You are seen as a safer driver if you don't have any penalty points. 

Build your no claims bonus discount: This is a brilliant way of getting a cheaper policy because insurers reward those who are claims-free on their premiums. The safer you're driving, the more you'll save in the long run.

Limit Your Mileage: Cutting down the amount you drive will save you money. The risk of being s car for over a year, you may get a lower insurance premium when taking your own insurance out.involved in an accident reduces the less time you spend driving. 

Pay Annually: Paying a lump sum upfront works out cheaper than paying monthly. Interest is applied to the finance agreement, leading to a higher amount over the year. 

Keep Your Car Safe: Parking your car in a safe location away from thieves makes it less likely to be vandalised.

Pay a Higher Excess: If you decide to pay a higher excess fee, it can reduce your insurance premium. You will pay more if your car is involved in an accident. 

Add a Named Driver: Adding a more experienced driver to your policy tells insurers that it won't just be you driving the car. You are more likely to drive safely with an experienced driver under the policy.

Named Driver Experience: If you have been a named driver on a parent or someone else'

New car owners must have at least third party cover to drive their vehicle legally on the road. Without this, you are breaking the law.

Before you drive off with your new car, you must have the motor insurance disc on the windscreen to drive in a public place. It is a very serious offence to drive without insurance. If you drive your new car without insurance, you will be penalised. 

Find out more here: Can I drive a new car without insurance?

A named driver has insurance to drive the vehicle on which someone else, i.e. a parent, is the main policyholder. There are no restrictions on who can add you as an additional driver; it doesn’t have to be family.