Ten driving tips from Coverinaclick.ie

1 ONLY pay for the cover you require. With some older cars, there wouldn’t be a need for comprehensive cover, as Third Party Fire & Theft would be sufficient.

2 MOST people don’t claim for minor damage to avoid impacting on their no-claims bonus, so go for the larger excess (€500) and get the benefit of the reduced premium.

3 PREMIUMS for different cars can vary considerably, so check before you buy.

4 If YOU’RE in a position where you’re buying a car, consider engine size as this will invariably affect your insurance premium.

5 ADDING a spouse/partner as a named driver can often lower premiums.

6 Don’t forget to tell your broker if you have an alarm, immobiliser or if your car is kept in a garage.

7 YOU may be eligible for a discount if you have more than one policy with an insurer.

8 MOST of us could truthfully describe our job role in different ways — administrator, clerk, manager etc. You must be honest, but ask a broker about which descriptive terms are best and you could save money.

9 DON’T overvalue your car. The insurance will only pay the market value of the car, no matter what you have insured it for. Don’t undervalue it either or you’ll be underinsured!

10 ASK your provider about car value thresholds. For example, the cost of insurance might jump at €20,000, so you might be better off insuring your car for €19,900.