Hughes Insurance car insurance review
Hughes Insurance is an insurance broker from Northern Ireland with a long history of providing solid cover. Find out how Hughes Insurance might be able to protect you and your car.

With nearly 40 years of experience in insurance, this broker prides itself on its lack of jargon and gimmicks, offering solid cover with some impressive benefits, such as breakdown cover. Although it might not always be the cheapest option, it’s worth considering because of the benefits.
Your car must be insured at least against third party damage, and Hughes Insurance offers cover ranging from third party through to comprehensive.
Hughes Insurance has been around since 1977 and is one of the major insurance brokers in Northern Ireland. With call centres and a number of high street branches, Hughes Insurance is known for its personal touch.
Hughes Insurance offers three cover levels:
Hughes also offers GAP (guaranteed auto protection) cover, which is an add-on that covers the difference between the price you paid for your car (or the outstanding balance on a finance agreement), and the amount you receive from the insurer if the car is written off or stolen. With Hughes, the GAP optional add-on is only available if you have comprehensive cover. GAP includes:
Hughes Insurance also has a tailored service for safe young drivers, HughesDrive. This includes a telematics (“black box”) app that you download; it works with a Bluetooth monitor you stick on the windscreen (or you can use your car’s own Bluetooth, if you have it). It monitors your driving and allows Hughes Insurance to see whether you’re safe – if so, you should get a lower renewal premium. But if the monitoring shows you’re a higher risk driver, that will also be reflected in the premium.
We currently don't have that product, but here are others to consider:
How we picked theseHughes Insurance offers two levels of comprehensive car insurance. If you are responsible for causing an accident, you’ll be covered for damage to third party vehicles or property, as well as your own car.
Have a look at the table below to see what the two cover options from Hughes Insurance offer.
Product Name | Hughes Insurance Third party, fire and theft | Hughes insurance Comprehensive |
---|---|---|
Damage to your car | ✓ | |
Damaged windscreen and window glass | ✓ | |
Fire and theft | ✓ | ✓ |
Medical expenses | ✓ | |
Personal belongings | ✓ | |
Liabilities to third parties | ✓ | ✓ |
Using the car abroad | ✓ | ✓ |
No-claims discount | ✓ | |
Replacement locks | ✓ | ✓ |
Permanently fitted audio equipment | ✓ | ✓ |
Your excess is the amount you will be expected to pay towards any claim you make. The amount will depend on your policy, but you can pay extra to reduce it. Or you can accept a higher excess which should reduce your premium.
Hughes Insurance car insurance claims are handled by Motorists Insurance Services; to make a claim you should call the team on 028 90 410220 at any time.
Find out which insurance group the Ford Ecosport falls under and how much it costs to insure.
Find out which insurance group the Suzuki Ignis falls under and how much it costs to insure.
Find out the average cost of insurance for a Ford Mustang based on the specific model version, the driver’s age and their location.
Find out the average cost of car insurance for a Skoda Octavia based on the specific model, the driver’s age and their location.
Find out the average cost of car insurance for a Fiat Panda based on the insurance group the model falls within, the driver’s age and their location.
Read our comprehensive guide and find out how much it may cost you to insure a Seat Ibiza and how to save on your car insurance premiums.
Find out the insurance group for your Skoda Fabia, how much it should cost to insure and how to save on your premiums.
Find out which insurance group your Fiat 500 belongs in, how much it should cost to insure and how you can save on your premiums.
Read our guide to understand why honesty is always the best policy to avoid your car insurance being voided or cancelled.
Find out how agreed value car insurance works and if it’s the right option for you.