Ireland icon.

Expat Car Insurance in Ireland

Cover Built Specifically for Non-Residents in Ireland

If you’re a non-resident working in Ireland, you understand how hard it is to get reliable and affordable expat car insurance. Clements Worldwide has made it easy for foreign nationals to get the protection they need and deserve.

Secure a competitive rate for your Ireland car insurance with our hassle-free quote process.

Your coverage options:

  • Fully Comprehensive coverage
  • Third-Party Fire and Theft coverage
Woman on stone fence by scenic Irish road taking pictures of the views.

Coverage Highlights

Our Ireland Car Insurance plan for non-residents and foreigners offers:

Two insurance options

  • Fully Comprehensive
  • Third-Party Fire and Theft

Legally required Third Party Liability included

Driving in European Union countries up to 90 days

Roadside assistance

Windscreen protection *

Personal injury benefits *

Legal expenses cover *

Personal belongings cover *

Non-standard vehicle coverage available

Imported vehicles (including Japanese imports) covered

Poor driving history considered

No Claims Bonus

*Only available on certain levels of cover. Please check your policy documents or speak to us if you have any questions.

See more details about the coverages below.

In Our Customers’ Own Words:

[The Clements Irish team] was a great help getting us car insurance on our summer property vehicles in Ireland while being non resident.

– Expat Clements customer in Ireland

What Does Car Insurance for Ireland Expats Cover?

More details about our Ireland car insurance coverage for non-residents:
Request a Quote

Choose the Policy You Need:

  • Third Party Fire & Theft Cover: includes protection for Third Party damages in respect of death or bodily injury or property damage as a result of an accident. This car insurance option in Ireland also includes cover for fire and theft claims relating to your vehicle.
  • Fully Comprehensive Cover: includes all of the above with additional collision damage cover for your own vehicle.

Driving in European Union Countries

Covers you to drive in any country which is a member of the European Union, subject to max number of days, depending on your policy. You must advise us of trip before departure.

Roadside Assistance / Breakdown

  • Roadside and doorstep assistance
  • 1 hour free labour if the vehicle can be repaired at the breakdown site
  • Towing of the vehicle to the nearest competent repairer

Drivers Medical Expenses

Covers medical expenses up to certain limit per person. Please refer to your policy booklet for full details. Only available on comprehensive level of cover.

Windscreen Cover

  • Covered for the cost of repairing or replacing damaged or broken glass in the windscreen or windows.
  • Automatically included on comprehensive level of cover and is available as an optional extra on Third Party Fire & Theft policies.

Personal Accident Benefits

Applies for the policyholder and any other authorised driver permitted to drive the insured vehicle, or any authorised passenger in the insured vehicle whilst the policyholder or the authorised driver is driving. Only available on Fully Comprehensive level of cover.

  • Accidental death, loss of limb, loss of sight, hospitalisation, bone fracture

Poor Driving History Considered

Will consider quoting for customers with up to two fault or non-fault claims, or one fire or theft claim in the last two years.

No Claims Bonus

As long as no claim is made under this policy during any annual period of insurance, you will receive a discount when you renew your insurance.

New for Old Cover

If your car is brand new and you have an accident within its first year of registration, the vehicle is replaced with a brand-new car – subject to conditions. Only available on Fully Comprehensive level of cover.

Lock Replacement

Cover towards cost of replacing door, boot, ignition/steering locks, subject to limits and excess/deductible.

Towing a Trailer or Caravan

Covers liability to Third Parties whilst towing. Does not include cover for the trailer or a caravan.

Driving Other Cars Benefit

Covers the policyholder for liability to other people while driving any other private motor car which you do not own or have not hired. Subject to conditions – please refer to your policy booklet for full details. Only available on certain Fully Comprehensive policies.

Why Choose Clements for Car Insurance in Ireland?

You will have access to dedicated local personal insurance advisors experienced in serving the Irish market. This experience allows us to provide affordable and comprehensive coverage to expats living and working in Ireland.

Struggling to Get an Irish Auto Quote but Have Driven Elsewhere?

Many Irish car insurance companies require driving experience on Irish roads. We are one of the only insurance brokers actively supporting and servicing the expat community in Ireland. We accept foreign no claims bonuses and international driving experience from other countries.

Are Your Insurance Costs Too High?

No worries. We can ensure your relevant driving experience gets reflected in your no claims bonus. That way, you can get the best possible premium to match the coverage level you need.

Global Broker with Local Expertise & Service

Clements provides the benefits of a global insurance broker, but with local knowledge and expertise.

We have been providing global insurance to expats since 1947.

Cliffs of Moher are a famous international attraction in Ireland.

Don’t Have Driving Experience in Ireland?

A lot of insurers require you to have driving experience in Ireland before they will quote. Luckily at Clements Worldwide, we can provide you with a quote if you have no driving experience in Ireland. We can also give the benefit of your foreign driving experience, from certain countries, which allows us to provide a more competitive quote.

Can I get car insurance in Ireland with an International Driving Licence?

Yes, you can get car insurance in Ireland using your International Driving Licence. However, if your Driving Licence is from outside of the European Union, you are required to exchange your licence for its Irish equivalent after 1 year.

Can I Get Covered the Same Day?

Yes, it is possible to get covered on the same day. The whole process is quick and hassle free. Fill out our form to get started.

To learn more, see our FAQs about Ireland Car insurance below.

Coverage details are communicated to the policy holder at the time of sale and listed in your policy documents. All levels of cover are subject to policy terms and conditions. Please refer to the policy booklet and schedule for full details.

Get Your Ireland Car Insurance Quote

Get a Quote Now

Diplomat Posted in Various Locations

Excellent service. Extremely quick and easy to use. [Clements Staff] was incredibly responsive to emails and queries about the insurance and helped me receive everything in the same day. Highly recommended!

Diplomat Posted in Various Locations

Clements was extremely helpful and provided quick and knowledgeable service. They made a difficult issue much simpler. Thank you.

What You’ll Need to Get a Policy

Once you have purchased a policy you are required to provide the following documents for verification within 21 days. We will then issue your Certificate of Motor Insurance, which contains a disc which you should display in the windscreen of your car as evidence of holding a valid policy.

Photo of front and back of your Driving Licence

Proof of previous driving experience – NCB or Letter of Driving Experience

Vehicle logbook

Proof of employment (unless retired)

Proof of address in Ireland

Copy of passport

Proof of National Car Test Certificate

Which Foreign Country Driver Licenses are Accepted?

Any International Licence is acceptable if, at inception, the International Licence holder has been resident in ROI for less than 12 months. The only provisional licence accepted is Ireland. If you hold a foreign driving licence that was issued outside the EU, you are required to exchange or apply for an Irish driving licence upon becoming a resident in Ireland. For full details please refer to the NDLS website.

See our FAQs about Ireland Car insurance below for more helpful answers.

Who May Need Expat Car Insurance for Ireland?

Because Ireland requires all drivers to have motor insurance, foreign nationals who choose to drive in the Emerald Isle must have suitable coverage. Examples for professionals who need car insurance:

Health Care Workers

Technology Professionals

Holiday Homeowners

Financial Services Professionals

Science and Pharma Professionals


FAQs About Expat Car Insurance in Ireland

Learn more about car insurance in Ireland for foreign nationals and non-residents.

Additional Policies for All Your Needs

Consider these other insurance solutions to protect yourself, your stuff and your family:
Personal Property and valuables insurance icon.

Related Policy

Personal Property / Renters Coverage

Homeowners, Renters & Personal Property

Cover your most cherished belongings in-transit and at your destination. Discover why international personal property insurance may make sense for you. 

Personal Accident insurance icon.

Related Policy

Worldwide Personal Accident Insurance

Get 24-hour protection wherever you are in the world

Find out how international Personal Accident Insurance can provide you with peace of mind.  

Contact Form

Still have questions? Fill out the form below and get in contact with a Clements Personal Insurance Advisor today.


Clements Insurance Services Limited, trading as Clements Worldwide, is regulated by the Central Bank of Ireland.  Registered in Ireland no. 610994.  Registered Office – Alexandra House, 3 Ballsbridge Park, Ballsbridge, Dublin 4, Dublin, D04 C7H2, Ireland.

Legal: Ireland Terms of Business | Ireland Remuneration & Fees