Ireland icon.

Car Insurance in Ireland for Expats

Insure Your Car in Ireland as a Non-Resident

If you’re a non-resident working in Ireland, Clements Worldwide has made it easy to get affordable expat car insurance for foreign nationals. Secure a competitive rate for your comprehensive vehicle coverage with our hassle-free quote process.

  • Third-Party Liability protection (TPL)
  • Fully Comprehensive 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:

Legally-required, third-party liability insurance

Fully comprehensive cover*

Premium guaranteed not to increase at renewal as result of your first claim

Poor claims history accepted

Monthly payments available

Covers the Republic of Ireland and UK (including Northern Ireland and Isle of Man)

Comprehensive European and Windscreen coverage supplements are available

*Subject to underwriting guidelines. Limits, conditions and exclusions may apply. 

Erin go bragh!

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.

Why Choose Clements for Car Insurance in Ireland?

By choosing Clements for your 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 insurers require driving experience on Irish roads. Fortunately, 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.

What Does Car Insurance for Ireland Expats Cover?

Auto coverage starts at two levels:

Third-Party Fire and Theft (TPFT)

Unlimited liability coverage for accidental death and bodily injury with €30 million property damage coverage for third parties, plus coverage to your vehicle from fire or theft.


Unlimited liability coverage for accidental death and bodily injury with €30 million for property damage for third parties, plus full coverage to your vehicle.

These add-ons are available for added protection:

Legal Expenses Coverage

  • Up to €25,000 for solicitor/lawyer fees regarding traffic offenses
  • Up to €100,000 for solicitor/lawyer fees regarding traffic accidents (protects you against other’s negligence)

Personal Injury Benefit

  • €30,000 death
  • €10,000 loss of sight/limb
  • €280/month temporary total disability or hospital benefit €130/week

Open Driving Benefit

Any driver between 25-70 years old with a clean record and valid Irish driver’s license is covered to drive the policy holder’s vehicle

Both levels of coverage also provide:

  • Breakdown assistance (roadside and at home with no distance limits)
  • Glass coverage (comprehensive policy only)
  • Personal belongings (€250 max)
  • Replacement car keys (€750 max)
  • Replacement car after an accident (up to 35 days)
  • Coverage for fees incurred from the fire brigade for service and rescue (€1,270 max)
  • 31 days coverage anywhere in Europe
  • Third-party cover so the policyholder can drive other cars (subject to approval)

Coverage details are communicated to the policy holder at the time of sale and listed in your policy documents. 

Get Your Ireland Car Insurance Quote

Get a Quote Now

Who May Need Expat Car Insurance in 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

Pharmaceutical Professionals

Financial Services Professionals


FAQs About Expat Car Insurance in Ireland

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

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Contact Form

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



Clements Belgium SRL, trading as Clements Worldwide, is authorised and Regulated by the Financial Services and Markets Authority (FSMA) as an insurance broker at 8, Place Marcel Broodthaers, B-1060 Saint-Gilles under registration number 0721.902.110. . RPM/RPR : Brussels. Clements Belgium SRL is authorised and regulated by the Financial Conduct Authority under the UK Temporary Permissions Regime under registration number 838246. Clements Belgium is also regulated by the Central Bank of Ireland for conduct of business rules.