Car Insurance

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  • UK & Ireland breakdown assistance
  • Puncture assistance
  • Car recovery if you run out of fuel
Get a quote, today! Retrieve a quote Renew my policy *Savings of up to £250 achieved by 33% of consumers paying by direct debit. Source: Online independent research conducted by Consumer Intelligence 01 to 31 October 2017
As with all insurance policies, terms, limits and exclusions apply.

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Fair Processing Notice


Any personal data Hughes receives will be used for the purpose of generating a quote or for arranging and administrating your insurances. Further information on how we use your personal information and your rights is contained in our Fair Processing Notice.

If you require any further information or wish to opt out of marketing communication please contact our Privacy Analyst by emailing dataprotection@hughesinsurance.co.uk.


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Fair Processing Notice


Any personal data Hughes receives will be used for the purpose of generating a quote or for arranging and administrating your insurances. Further information on how we use your personal information and your rights is contained in our Fair Processing Notice.

If you require any further information or wish to opt out of marketing communication please contact our Privacy Analyst by emailing dataprotection@hughesinsurance.co.uk.


Agree and continue
X

Fair Processing Notice


Any personal data Hughes receives will be used for the purpose of generating a quote or for arranging and administrating your insurances. Further information on how we use your personal information and your rights is contained in our Fair Processing Notice.

If you require any further information or wish to opt out of marketing communication please contact our Privacy Analyst by emailing dataprotection@hughesinsurance.co.uk.


Agree and continue
X

Fair Processing Notice


Any personal data Hughes receives will be used for the purpose of generating a quote or for arranging and administrating your insurances. Further information on how we use your personal information and your rights is contained in our Fair Processing Notice.

If you require any further information or wish to opt out of marketing communication please contact our Privacy Analyst by emailing dataprotection@hughesinsurance.co.uk.


Agree and continue
Defaqto 5* Car Insurance

  • Features
  • Policy excess information
  • More Help
  • Defaqto

FeaturesϮ

5 Star Defaqto Rating

We are very proud to have achieved the highest Defaqto Rating of 5 Stars on our Hughes Insurance Car insurance product*.

Explore the features of each option below.

Comprehensive car insurance

The Hughes Insurance comprehensive policy covers loss or damage to your vehicle due to accident, fire or theft. It also covers any damage to third party vehicles and property as well as injury to your passengers, other drivers, their passengers and pedestrians, in the event of an accident.

Third party, Fire, & Theft

The Hughes Insurance Third Party, Fire and Theft policies cover your vehicle for loss or damage due to fire or theft. It also covers damage to third party vehicles and property as well as injury to other drivers, passengers and pedestrians in the event of an accident.

Third party

The Hughes Insurance Third Party policy only provides cover for third party vehicles and property as well as injury to other drivers, passengers, and pedestrians, in the event of an accident.

Comprehensive

5 Star Defaqto Rated

UK & Ireland breakdown assistance

Puncture assistance

Fuel shortages

Lost keys assistance

Cover for use abroad

Audio, telecom & sat nav protection

New car replacement

Windscreen cover

Courtesy Car including Total Loss Courtesy Car

Uninsured driver promise

Child car seat cover

Replacement locks cover

Medical expenses

Personal belongings cover

Third Party, Fire & Theft

5 Star Defaqto Rated

UK & Ireland breakdown assistance

Puncture assistance

Fuel shortages

Lost keys assistance

Cover for use abroad

Audio, telecom & sat nav protection

New car replacement**
(Depending on insurer)

Personal belongings cover
(Depending on insurer)

Third Party

5 Star Defaqto Rated

UK & Ireland breakdown assistance

Puncture assistance

Fuel shortages

Lost keys assistance

Cover for use abroad

** We would not recommend that a brand-new vehicle be covered Third Party, Fire and Theft

An excess is the amount of money you pay towards a claim under your policy. The two main types of excess are:

Compulsory excess – this must be paid and relates to claims for accidental or malicious damage, accidental damage, vandalism, fire and theft.

Voluntary excess – this is paid on top of a compulsory excess. You can select a voluntary excess when setting up your policy, which may help to reduce the premium.

Our Help Centre contains lots of useful and practical support when it comes to car insurance - including what to do in the event of an accident or a breakdown.

Web Chat

Talk to one of our insurance advisors now

Start a live chat

Call Us

028 9104 2042

Lines open now

Our phone line opening times are:

Monday to Friday
08:00 - 20:00

Saturday
09:00 - 13:00

Sunday
Closed

Visit Help Centre

Please note: If your call is in connection with a quotation or the purchase of a new insurance policy with Hughes Insurance, our motor new business line does not open until 9am.

Defaqto

We are very proud to have achieved the highest Defaqto Rating of 5 Stars on our Hughes Insurance Car insurance product*. It is important to us that our customers have one of the highest quality offerings on the market giving you peace of mind, confidence and trust in your purchase with us.

Who are Defaqto?

Defaqto is a leading UK independent financial information business, specialising in analysing, comparing and rating the market so consumers can make better informed decisions.

Defaqto’s experts monitor the market to provide accurate, factual and up to date information to all layers of the financial services sector including banks, insurers, advisors, comparison websites, regulatory agencies and consumers.

How is a Defaqto Rating achieved?

Defaqto Ratings are based on an analysis of the features and benefits of a policy. Products can receive a rating of 1 to 5, depending on the quality and comprehensiveness of the features it offers. A 1 Star Rating indicates a basic product or proposition, with a low level of features and benefits, while a 5 Star Rating indicates that a product or proposition is one of the most comprehensive on the market.

The Star Rating we achieved for our Car insurance product provides you with the confidence that you have selected one of the highest quality products in the market.

Why are Defaqto Ratings important

As a leading broker within Northern Ireland, it is important to us that our customers have confidence and peace of mind when insuring through Hughes. A Defaqto Rating reflects the level of cover that is offered within the product and helps you as a consumer make a better informed decision about your purchase.

We care about protecting what matters, which is why we are confident that our 5 Star rated product will give you the peace of mind that you need when insuring your motor.

ϮFeatures and benefits vary depending on the level of cover selected. As with all insurance policies, terms, limits and exclusions apply.

*Hughes Insurance offers a number of car insurance products from various insurers. The 5 Star Defaqto rating applies only to our Hughes Insurance Car Insurance product and not all car insurance products we offer.

Get a quote

Why choose Hughes Insurance?

  • Based in Northern Ireland
  • Local call centre staff
  • Almost 40 years of experience
  • Straightforward, reliable & competitive insurance

We’re one of Northern Ireland’s best-known names in insurance.

The business was originally established in 1977, and since then we’ve earned a reputation as a reliable and trusted expert in insurance. We’re passionate about protecting the things that matter most to you – whether that’s your car, home, holiday or business.

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