A real concern for motorists when it comes to not owning or insuring a car for a while is that they might lose their No Claims Bonus (NCB), which can take years to build up. However, it’s not that black and white. Even with a gap in cover, your NCB can remain valid for a time, depending on your insurer.

As part of the Department of Transport’s Moving Together strategy, motorists in Ireland are being encouraged to consider their options for other means of transport that can be kinder to the planet as well as having other benefits such as being cheaper or good for your health.

If you are moving abroad, switching to public transport, or temporarily not needing a car, you often can preserve your NCB.

Car insurance is a legal requirement in Ireland, but do you really know what your policy covers?  

Here’s a simple breakdown of Irish motor insurance policies so you can make informed choices.