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.

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.