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Do You Know That Car Insurance Is Cheaper Than Dog Insurance?

  • 16/12/2020
pet-insurance.jpgAs a pet owner in Ireland, do you realize that pet insurance helps you to reduce the overall costs of expensive veterinary bills, but it is more costly than car insurance? 

In fact, pets, including dog insurance, is very similar to health insurance that caters to humans because it is also a health care policy for your pets, as it reimburses you for certain aspects of its medical expenses. 

On the other hand, by law, every Irish driver is expected to have car insurance, which covers the expenses for damages caused to their car due to theft or accidents. 

With this comparison in mind, read on to find out more about a dog and car insurance in Ireland.

What Makes The Difference?

Vehicles run on four tires, so do pets like dogs on their four legs but is this characteristic part of what is responsible for the price gap in their insurance policy?

The reality is that pedigree dogs like Rhodesian Ridgeback, Great Dane, and Giant Schnauzer cost more to insure, unlike non-pedigree dogs or even cats.

That is because pedigree pets are more expensive than mixed breed pets.  

Also, because they are more prone to illness, there is a high chance that you will need to make a costly claim on your pet insurance. Therefore, insurers charge a higher quote to enable them to cover the risk.

Vehicles like Toyota Yaris, Ford Fiesta, SEAT Mii, Toyota Aygo, and so on are some of the best cars within the lowest three groups. What that means is a person who drives a Ford Fiesta in Ireland is very likely to get a good insurance deal off the vehicle and still enjoy the features and comfort of the car. 

In fact, where a Ford Fiesta would cost about £216 to insure, you can expect that a Labrador Retriever, which is also available in Ireland, could cost up to £691 to insure. 

It is worthy of note that the cost of your insurance premium, either for your car or pets, will depend largely; on your insurance provider. Hence, we do advise that you carefully compare car or pets insurance quotes while you can to be sure that you are getting the best offer.

Factors That Affect Car Insurance Rates

Car insurance quotes could increase or reduce based on certain factors and as an Irish driver if you have ever wondered how your insurance provider comes up with their rates, highlighted below are some of the reasons:

1. Driving Experience

If you are an inexperienced driver, you stand a higher chance of making costly mistakes while driving, and insurers know this; hence you can expect a higher premium rate than an experienced driver. 

Similarly, if you have a clean driving record, you can expect to qualify for some discounts, which in turn lowers your insurance quote. 

2. Location

If you live in places in Ireland that are prone to natural disasters and have a high record of car theft, then it would; definitely affect your insurance rate. It means that you’ll pay more than a person who lives in a safe and secure environment. 

3. Age

You may ask, “what has age got to do with an insurance premium?”

Well, the reality is that the younger the age of the driver, the higher the insurance rate. That is mainly because young drivers are known to be notorious, immature, and sometimes daring while driving, making them a more risky group to insure.

4. Type Of Car

Earlier on, we mentioned that vehicles like Ford Fiesta cost less to insure than cars that have safety features that are more costly to replace. 

The theft rate and accident record of the model of a car will equally result in a high car insurance rate.

In addition to the model of the car affecting the insurance, insurance can also vary depending on the type of vehicle. For instance, a van can often require a particular policy such as that offered by one sure insurance that offers both personal and commercial use insurance.

5. Marital Status

Married couples are more likely to have fewer accidents and claims, unlike their single counterparts, because of their higher sense of responsibility and commitment to their family. Also, when married couples combine their insurance policies, it can lower their premium rate. 

Should An Irish Driver Own A Dog Despite High Car Insurance Rates?

As an Irish driver, would it still be wise to own a dog while you are still frustrated with high car insurance rates? It’s always exciting to plan for a road trip with your dog. But you need to rethink to own a dog if you don’t want to incur more expenses on insurance.

Dogs are very costly to manage and insure; hence you might have to consider securing your car insurance rates first, as it is a top priority. You can also seek the advice of your insurer to know whether you qualify for discounts. 

On the other hand, you can receive help from an animal charity organization in the country. Particularly; if your income is considerably low compared to the health cost of your dog. 

Bonus

An insurance policy is a contract between you and your insurer that clearly states what’s covered, what isn’t, and other essential details of your agreement.

As an Irish driver or pet owner, having an insurance cover is a cost-effective means of paying for losses, and it helps you manage cash flow uncertainties. 

Conclusion

Clearly, car insurance is of a lesser cost than dog insurance, and already you can understand why that is so. What is more important, however, is to always; know what your insurance policy covers, prioritize and compare insurance quotes to ensure you have the best deals; always.

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