Car Insurance for Learner Drivers

How much does it cost to get car insurance in Ireland  for a provisional licence holder ?

In a recent survey of  car insurance providers in Ireland we found  quotes for learner drivers ranging  from €3241 to  €5878 a year.

Some insurance companies wouldn’t even provide a quote for a 20 year old male (employed) driving  a 2004 Ford Fiesta 1.2 with a  provisional licence and no previous driving experience.

We tried to get online insurance quotes for Third Party Fire & Theft…

Allianz, Tesco , and No Nonsense would not provide a quote online. We also tried Zurich – but could not get past their online security code!

The lowest quote we got was for  €3241 a year  from AA  Insurance
Next best was  €3646 from Aviva
The quote from Liberty (Formerly Quinn) was for €4899 a year.

For comprehansive insurance the Liberty price was €5878 and the AA price was €3509

Female provisional licence holders were quoted lower prices for insurance in all cases  – with the lowest quote for TPFT insurance coming in at €1530 from AA Insurance  . This was  €1711 cheaper than the AA quote for a male in exactly the same car and with the same circumstances.
Quotes for Third Party, Fire and Theft  (TPFT) are normally cheaper because this does not cover any damage caused to your car in an accident that is your fault. The difference in price between fully comprehensive and TPFT for a 20 yr old provisional licence holder was as much as €1000 .

The short online survey was carried out  in June 2012