Importing a Japanese car to Ireland can be an exciting decision, whether you’re looking for a unique JDM model, a more affordable option, or a car that isn’t readily available in the local market.
However, getting insurance for a Japanese imported car comes with challenges. This guide will explain everything you need to know about insuring an imported Japanese car in Ireland, including costs, factors affecting your policy, and tips to get the best coverage.
Popularity of Japanese Import Cars in Ireland
Japanese import cars have seen a surge in popularity among Irish buyers in recent years. As The Irish Times noted, “Ireland’s car buyers are turning Japanese once again.” (irishtimes.com)
The growing demand is reflected in figures from Cartell.ie, which reveal a massive increase in Japanese imports: “Japanese imports have increased nearly tenfold since 2014, so there is an established flow of second-hand cars. Just shop around and be careful. The Cartell study shows 2,321 were registered in 2014, but that surged to 21,716 in 2023.” (independent.ie)
Why is Insurance for Japanese Imports More Expensive?
Japanese import cars often have higher insurance premiums due to several factors:
- Limited Data for Insurers – Irish insurers rely on extensive historical data to determine risk. Imported vehicles may lack local accident and repair statistics, making them harder to assess.
- Higher Repair Costs – Some Japanese imports require specialist parts that are expensive or harder to source.
- Performance & Modifications – Many JDM cars (such as the Nissan Skyline or Subaru Impreza) have high-performance engines or aftermarket modifications, increasing perceived risk.
- Right-Hand Drive Considerations – While most Japanese imports are right-hand drive, minor variations in design can make them slightly different from European-spec models.
- Age & Registration Differences – Some imported models might not meet standard Irish specifications, requiring additional modifications or testing before road use.
How to Get Insurance for a Japanese Import in Ireland
If you’ve imported a Japanese car, follow these steps to ensure you get the right insurance coverage:
1. Register the Car in Ireland
Before you can get insurance, your imported car must be registered with the Revenue Commissioners and pass the National Car Test (NCT) if required. You’ll also need to pay Vehicle Registration Tax (VRT).
2. Find a Specialist Insurance Provider
Not all insurers in Ireland cover imported vehicles. Specialist insurance companies and brokers offer better import deals, particularly JDM cars. Consider checking:
- Insurers that specialise in classic and modified cars
- Brokers who work with imported and performance vehicles
- Japanese car owners’ forums and communities for recommendations
3. Be Clear About Modifications
Many Japanese imports come with aftermarket modifications such as upgraded suspension, turbochargers, or body kits. When applying for insurance:
- Declare all modifications – Failure to disclose changes can void your policy.
- Stick to minor mods – Some insurers refuse coverage for highly modified cars.
- Get a professional valuation – If your import is rare, a specialist valuation can help determine its true worth for insurance purposes.
4. Compare Quotes from Multiple Insurers
Since standard insurance companies may charge higher premiums for imports, comparing multiple quotes is essential. Use comparison sites and contact insurers specialising in imports to find the best deal.
5. Consider Limited Mileage or Classic Car Insurance
If your Japanese import is a weekend car or collector’s item, you might qualify for limited mileage policies or classic car insurance, which can significantly reduce costs.
6. Improve Your Insurance Profile
To lower insurance costs for your Japanese import:
- Increase your voluntary excess (the amount you pay in case of a claim).
- Park in a secure location (garages and driveways lower risk).
- Take an advanced driving course (some insurers offer discounts for skilled drivers).
Cost Comparison: Imported vs. Domestic Cars
| Factor | Japanese Import Car | Standard Irish Car |
|---|---|---|
| Insurance Premiums | Higher due to risk assessment | Standard pricing |
| Parts Availability | Limited; may require import | Readily available |
| Resale Value | It can be high for rare models | More predictable |
| Registration & Taxes | Requires additional steps (VRT) | Included in purchase |
FAQs About Japanese Import Car Insurance
Yes, but not impossible. You’ll need to find a specialist insurer and ensure the car meets Irish road standards.
Generally, yes, due to limited data, potential modifications, and higher repair costs.
Yes! Compare quotes, use specialist brokers, limit modifications, and explore classic or limited mileage policies.
There’s no one-size-fits-all answer. Check with specialist insurers or brokers with JDM vehicles for the best deals.
Yes, most imports require NCT approval and may need modifications to meet Irish standards.
Yes, but it can be more expensive and requires finding a specialist insurer. Many mainstream insurance providers hesitate to cover imports, so it’s best to contact brokers specialising in Japanese vehicles.
Japanese imports often cost more to insure due to limited data for insurers, higher repair costs, and the perception that some JDM models are high-performance or modified. Parts availability and compliance with Irish regulations can also add to the expense.
Yes! Japanese imports often offer better reliability, lower mileage, and unique models unavailable in Ireland. They can also be more affordable than local options, but buyers should consider additional costs like VRT and insurance.
Yes, but they must have a valid Japanese driving license or an International Driving Permit (IDP). Some insurance companies may also require a residence card or proof of long-term stay in Japan.
Japan has strict vehicle inspection rules (Shaken), making it costly to keep older cars on the road. As a result, many owners sell their vehicles after a few years, leading to an influx of low-mileage used cars in the export market.
In many cases, yes! Japanese used cars can be significantly cheaper than Irish equivalents. However, costs like shipping, VRT, customs duties, and insurance should be factored in before purchasing.
Yes, but not impossible. You’ll need to find a specialist insurer and ensure the car meets Irish road standards.
Generally, yes, due to limited data, potential modifications, and higher repair costs.
Yes! Compare quotes, use specialist brokers, limit modifications, and explore classic or limited mileage policies.
There’s no one-size-fits-all answer. Check with specialist insurers or brokers with JDM vehicles for the best deals.
Final Thoughts
Insuring a Japanese import car in Ireland requires research and specialist coverage, but finding a good policy at a reasonable price is possible.
By registering your car properly, comparing multiple insurers, and maintaining a strong driving record, you can get the best coverage for your imported vehicle while keeping costs manageable.
🚗 Looking for the best insurance for your Japanese import? Start comparing specialist insurers today and get covered!
Ciaran is an automotive enthusiast with a Bachelor of Arts Honours degree in Creative Digital Media from MTU in Ireland and over three years of experience in digital marketing. His unique background combines a love for storytelling with a strong grasp of engaging content creation, making complex car topics relatable and easy to understand. Through years of managing this blog, Ciaran has expanded his automotive knowledge while helping everyday drivers gain new insights.
Passionate about demystifying the driving world, Ciaran focuses on simplifying car trends, tech updates, and practical driving tips. He believes that everyone should feel confident and informed behind the wheel, offering content that empowers readers to make smart, well-informed decisions.