| UK & Ireland breakdown assistance |
| Puncture Assistance |
| Fuel Shortages |
| Lost keys assistance |
| Cover for use abroad |
| Audio, telecom and sat nav protection |
| New car replacement**(Depending on insurer) |
| Personal belongings cover (Depending on insurer) |
| Windscreen cover |
| Courtesy Car including Total Loss Courtesy Car |
| Uninsured driver promise |
| Child car seat cover |
| Replacement locks cover |
| Personal accident |
| Medical expenses |
Quote Online Today
More affordable insurance for young drivers
Keep track of your scores on your mobile app
Terms, limits and exclusions apply.
Quote Online Today
More affordable insurance for young drivers
Keep track of your scores on your mobile app
Terms, limits and exclusions apply.
Top Policy Features
Peace of mind that you’ll be covered when you need it most. Here are a few of our top features.ⓘ
UK & Ireland breakdown assistance
Assistance at home or on the road side if you have a breakdown.
Puncture assistance
If you suffer a puncture whilst driving, our policy covers assistance or a tow to a repairer.
New car replacement
If your car is under a year old, a replacement is provided if it's stolen/damaged beyond repair.
Personal belongings cover
Cover for your personal belongings in your car up to the value of £200.
Cover ⓘ
Our policy is packed with features and benefits. Find the best cover for you.
| Comprehensive | Third Party, Fire & Theft | Third Party | |
| UK & Ireland breakdown assistance |  |
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| Puncture Assistance | |
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| Fuel Shortages | |
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| Lost keys assistance | |
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| Cover for use abroad | |
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| Audio, telecom and sat nav protection | |
|
 |
| New car replacement**(Depending on insurer) | |
|
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| Personal belongings cover (Depending on insurer) | |
|
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| Windscreen cover | |
|
|
| Courtesy Car including Total Loss Courtesy Car | |
|
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| Uninsured driver promise | |
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| Child car seat cover | |
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| Replacement locks cover | |
|
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| Medical expenses | |
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| Personal belongings cover | |
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ⓘFeatures and benefits vary depending on the level of cover selected. Terms, limits and exclusions apply.
** We would not recommend that a brand-new vehicle be covered Third Party, Fire and Theft
ⓘFeatures and benefits vary depending on the level of cover selected. As with all insurance policies, terms, limits and exclusions apply.
** We would not recommend that a brand-new vehicle be covered Third Party, Fire and Theft
Does our cover look like a good fit?
Why Choose Hughes Insurance?
Based in Northern Ireland
Local experts to support you
Over 45 years of experience
Straightforward, reliable & competitive insurance
Average score from surveyed repondents over last 12 months
What our customers are saying...
“Advisor took great time to look at my insurance renewal, talked through all options and got me the best deal to suit my circumstances. Really appreciated the callback with the updated info and the friendly nature of all calls.”
James Stewart
“Hughes have been fantastic, level of communication and emails straight away. Very happy customer – higher standard. Competitive rates. Couldn’t recommend Hughes highly enough!”
Car Insurance Customer
“The person I spoke to on the phone was very friendly and helpful. They answered the call quickly and I got a really competitive quote from Hughes straight away.”
Sarah, Car Insurance Customer
“I recently bought car insurance from Hughes and found the process very straightforward. The salesperson on the phone was able to answer the few questions I had and get to an outcome quite quickly.”
Ben, Car Insurance Customer
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Frequently Asked Questions
You can find information on your policy in the Customer Portal and lots of information in the Help Centre. Here are some of our most frequently asked questions.
HughesDrive is a telematics App for your Smartphone that monitors your driving. It uses Bluetooth to register when your car’s ignition is turned on or off. It records metrics such as how often you drive, how far you go, your acceleration, braking, and swerving. It uses this information to calculate a personalised driving score, which you can view on your secure in-App dashboard.
You can find out more about our policy by visiting our Terms and Conditions here.
My car doesn’t have Bluetooth. Can I still use HughesDrive?
Yes! If your car doesn’t have Bluetooth, simply request a Beacon via the HughesDrive App. Attach it to the inside of your windscreen when it arrives, then pair it with your Smartphone.
Some telematics policies have driving curfews. Is there a curfew on a HughesDrive policy?
There is no curfew with a HughesDrive policy, you are insured to drive both day and night. If you regularly drive late at night, this may have a negative impact on your weekly score.
There is no mileage cap on HughesDrive policies, however it is important to ensure that your estimated annual mileage is as accurate as possible when taking out a new policy or renewing an existing policy.
