New driver number requirements for car insurance coming into force in March 2025

From March 31st, 2025, a significant change is coming that all motorists in Ireland need to be aware of. Under new legislation introduced by the Government, all drivers will be required to provide their driver number when taking out or renewing a car insurance policy.

Whether you’re applying for car insurance online, switching providers, or renewing your existing motor insurance policy, the inclusion of your driver number will soon be mandatory.

What is a Driver Number?

Your driver number is a unique identifier found on your Irish driving licence. You can find it in Field 4d of your licence card, and it helps track your driving record. This includes penalty points, driving disqualifications, and licence status.

Until now, providing your driver number was optional when buying or renewing car insurance in Ireland. But from March 2025, that will change for both new drivers and experienced motorists alike.

Why Is This Driving Licence Change Being Introduced?

This move is part of a wider effort to improve transparency and fairness in the motor insurance market. By connecting your driver number to your insurance record, insurance companies can get better information about your driving history. This can:

• Help reduce insurance fraud

• Ensure fairer pricing based on driving behaviour

• Support road safety initiatives

• Enhance the accuracy of insurance premiums

In short, this change is designed to create a more robust and reliable car insurance system in Ireland.

What Do You Need to Do?

If you want to renew your car insurance or get a new quote after March 31, 2025, you need to provide your driver number.

Here’s how to prepare:

1. Locate your driving licence – Make sure you know where it is and that it’s valid.

2. Find Field 4d on your licence – This is your driver number.

3. Have it ready when getting a car insurance quote online or speaking to your insurer.

4. Know the details – Make sure you know the exact details of any penalty point information or driving disqualifications. 

If you are applying for car insurance for the first time as a new driver, you will need your driver number and the exact details of any penalty points or driving disqualifications. Check the details on you’re a new insurance application or renewal are accurate! 

Will This Affect Your Insurance Premium?

The short answer is: it might.

Insurance providers will now have direct access to information about:

• Penalty points

• Driving disqualifications

• Licence type and status

This means your insurance premium may show your real driving record better. This is good news for safe drivers. 

Over time, this may lead to fairer car insurance rates. This is especially true for people with clean driving records. 

Make sure to declare all penalty point and driving disqualification information accurately on a new insurance application or your renewal to obtain an accurate premium.  

What Happens If You Don’t Provide Your Driver Number?

From March 31st, 2025, you won’t be able to get or renew a motor insurance policy without your driver number. This applies to:

• New car insurance customers

• Existing policy renewals

• Any changes to your existing motor insurance cover

Failing to provide your driver number could delay or prevent your cover from starting, so it’s important to be prepared ahead of time.

How This Impacts Car Insurance Providers

For car insurance companies in Ireland, this new requirement means better risk assessments. It also allows for improved data sharing with the National Vehicle and Driver File (NVDF).

At its4women, we are updating our systems. This will help our customers during the upcoming legislative change. Our goal is to make getting affordable car insurance as easy and transparent as possible.

We're Here To Help

The new rule requires drivers to include their driver number in car insurance applications. This rule is important for both drivers and insurance companies. It’s a step toward a safer, fairer and more accountable motor insurance industry in Ireland.

At its4women, we’re here to help you navigate these changes. If you have any questions about how the new requirements may affect your car insurance policy, our team is just a click away.

Get ready now, stay insured, and drive with confidence.

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