Northern Ireland’s Local Car Insurance

Our Car Insurance Product is Defaqto 5 Star Rated*. 

check-list  UK & Ireland Breakdown Assistance

check-list  Puncture Assistance

check-list  Fuel Shortages

Defaqto 5 Star

 

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Quality car insurance to get you on the road

check-list 5 Star Defaqto rated

check-list 88% would recommend us to a friend

check-list Over 45 years of experience

 

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Top Policy Features

Here are a few features that are included in a comprehensive policy. ⓘ

5 Star Defaqto rated

We are proud to have achieved the highest Defaqto Rating of 5 Stars on our Car Insurance*

Windscreen Cover

Glass cover for broken or damaged windscreen, windows or sunroof.

Child Car Seat Cover

Peace of mind to protect your child car seats in the event of an accident.

Uninsured Driver Promise

Protection for you in the event of an accident with an uninsured driver.

View all Features

Cover ⓘ

Hughes Insurance Car Insurance is Defaqto 5 Star Rated. Here’s a breakdown of what our policies offer.

  Comprehensive Third Party, Fire & Theft Third Party
5 Star Defaqto Rated icon icon icon
UK & Ireland breakdown assistance icon icon icon
Puncture Assistance icon icon icon
Fuel Shortages icon icon icon
Lost keys assistance icon icon icon
Cover for use abroad icon icon icon
Audio, telecom and sat nav protection icon icon icon
New car replacement icon icon icon
Personal belongings cover  icon icon icon
Windscreen cover icon icon icon
Courtesy Car including Total Loss Courtesy Car icon icon icon
Uninsured driver promise icon icon icon
Child car seat cover icon icon icon
Replacement locks cover icon icon icon
Personal accident icon icon icon
Medical expenses icon icon icon

 ⓘCover levels differ—terms, limits & exclusions apply.

*The 5 Star Defaqto rating applies only to Hughes Insurance comprehensive car insurance.

Got a brand-new car? We don’t recommend Third Party, Fire and Theft.

Need options? We work with multiple insurers—just ask for a quote!

5 Star Defaqto Rated
UK & Ireland breakdown assistance
Puncture Assistance
Fuel Shortages
Lost keys assistance
Cover for use abroad
Audio, telecom and sat nav protection
New car replacement**(^T&C's apply)
Personal belongings cover (^T&C's apply)
Windscreen cover
Courtesy Car including Total Loss Courtesy Car
Uninsured driver promise
Child car seat cover
Replacement locks cover
Personal accident
Medical expenses
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
Medical expenses
Personal belongings cover
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
Medical expenses
Personal belongings cover

 ⓘCover levels differ—terms, limits & exclusions apply.

*The 5 Star Defaqto rating applies only to Hughes Insurance comprehensive car insurance.

Got a brand-new car? We don’t recommend Third Party, Fire and Theft.

Need options? We work with multiple insurers—just ask for a quote!

Does our cover look like a good fit?

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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.

Our our expert team are here for you, call us on 02891 042 233.

Our phone line opening times are:

Monday to Friday
09:00 - 18:00

Saturday
09:00 - 13:00

Sunday
Closed

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.

Why Choose Hughes Insurance?

check-list  Based in Northern Ireland

check-list  Local experts to support you

check-list  Over 45 years of experience

check-list  Straightforward, reliable & competitive insurance

Get a Quote 028 9104 2233

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

Straightforward, reliable insurance - just one click away

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5 Star rated Car Insurance from NI for NI.

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Strangford House, 4 Jubilee Road, 
Newtownards, Co. Down, BT23 4WN

028 9104 2233

© 2025 Hughes Insurance Services Limited registered in England and Wales (No. 4451375) with registered office at Embankment West Tower, 101 Cathedral Approach,  Salford M3 7FB.  Head Office: Strangford House, 4 Jubilee Road, Newtownards, Co Down, BT23 4WN. Authorised and regulated by the Financial Conduct Authority (No. 305651). Hughes Insurance Services Limited is part of Markerstudy Group.