Student Car Insurance in Ireland: the Student and Young Driver Offer
If you are a student insuring a car in your own name, GMIB.ie runs a student and young driver off...
read more
Why a sports car costs more to insure
Citizens Information gives two reasons. The value of the car counts for third party, fire and theft and comprehensive cover because a newer or more valuable car costs more to replace. And a more powerful car is considered more likely to be involved in an accident. It also notes that insurers treat young drivers as a higher-risk category, so a young driver in a powerful car carries both.
Modifications. Citizens Information says you must disclose all relevant information to an insurer when buying or renewing, and that if you are unsure whether a fact is relevant you should disclose it and let the insurer decide. Treat every change from the factory specification, whether engine, exhaust, suspension, wheels or bodywork, that way, and keep the receipts. The Consumer Insurance Contracts Act 2019 requires answers that are honest and given with reasonable care; the Competition and Consumer Protection Commission’s (CCPC) warning is that undisclosed details can lead to the policy being cancelled and make later cover hard to find.
Where it is kept. Citizens Information notes that some companies impose a loading if the car is not kept in a garage or driveway at night, and lists secure parking among the steps that can cut the cost. Give the details accurately.
Compare sports car insurance quotes
Compare like with like: the excess, and whether windscreen cover, breakdown assistance and a replacement or hire car are included, because the CCPC says those benefits vary between insurers. Check each quote for what it includes rather than comparing prices alone.
Each insurer decides which models it will quote, so one refusal is not a verdict. Three written refusals bring you under Insurance Ireland’s Declined Cases Agreement, and its committee arranges a quote; see our refused car insurance page. Young driver? See young drivers car insurance. Imported car? Our page on insurance for Japanese import cars covers imports. For the general rules, see car insurance in Ireland.
Have ready the registration, the exact model and engine size, a list of modifications with receipts, where the car is kept at night, your licence and your no-claims bonus letter. To talk it through, call 0818 92 92 42, Monday to Friday, 9am to 5.30pm.
Sources: Citizens Information – motor insurance; Consumer Insurance Contracts Act 2019; CCPC – car insurance. Last reviewed September 2026.
