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Does having a Child Increase your Car Insurance cost?

Millions of people every year purchase car insurance. It is important as a driver you understand what can affect the cost of your car cover in the long term. Having a child can bring a lot of joy to someone’s life however it can bring a lot of changes as well. Car insurance cost can vary between companies, so there are a few insurers who would offer a reduction in rates for your motor insurance for having a baby or child in the vehicle and then there are some who will increase the cost of your car insurance. Car insurance is generally calculated on various factors including:

  • Age
  • Gender
  • Occupation
  • Marital status
  • How many years of experience driving
  • Education level
  • Geographical location
  • Driving record

What is car insurance 

It is a legal requirement in Ireland to have car insurance if you want to drive a car on a public road. Car insurance is there to protect you against financial loss in the event you are in an accident or theft. It is an offense to drive with no motor insurance.

Types of car insurance

There are 3 main types of car insurance these include:

  • Fully comprehensive
  • Third-party
  • Third party fire and theft

Fully comprehensive cover allows you to claim for damage to your own vehicle no matter who is the blame and it gives you third party fire and theft cover also. You should expect to pay a lot more for, fully comprehensive cover. Comprehensive cover can vary between insurers but some of the benefits include:

Third-party cover 

Third-party is the minimum legal requirement to drive a vehicle in Ireland. If a person makes a claim against you for injury or damage that you caused, third-party only pays out for this claim. It is not widely available from insurance companies.

Third-party fire and theft cover

Third-party fire and theft will cost a lot more than a third-party cover on its own. With this cover, you can make a claim for damage or loss to your own car as a result of theft or fire and even attempt theft is covered. Accidental damage to your motor is not covered under third party fire and theft insurance.

Safer Drivers 

When adults have kids, they will tend to purchase a family vehicle or a safer and larger vehicle. With a child or a little baby in the car you will have to accommodate the little one’s needs like car seats, prams, changing bags, toys, etc. As a result of owning a safer vehicle and having a child on board, you are a driver that is deemed to be safer and more responsible by insurance companies. Being a less risky driver, a lot of insurance companies will lower your premium costs on your car insurance.

Driving fewer miles 

Having a newborn baby, the long road trips driving is pretty much eliminated. As a parent, you will be driving a lot less, so you are exposed to less risk, meaning the potential for an accident is greatly reduced and reduced claims being made also. So, for your insurers, the less risk you are the lower your car premiums will be.

Responsible driving 

As a new parent or parents, you become a more responsible driver, so you are less likely to be prone to risky behaviour. Having a family vehicle and kids onboard generally mean more sensible and responsible driving. This demonstrates to an insurance company that you as a driver is more responsible and safer so in return you receive a more affordable and cheaper car insurance rate.


Owning your own home can result in lower car insurance and discounts. Homeowners and bundling car insurance combined can result in discounts for your motor insurance.

When purchasing car insurance always research online different insurers for the cheapest and most affordable quotes that you can find. The policy with the lowest price doesn’t always mean it’s better though. Always read the terms and conditions of your policy.

Best Board Games for Kids and Family

Children love board games, as well as adults, do. Board games are an inexpensive and a great way for families to spend time together especially around the holiday seasons and even on a very rainy day. Let’s face it, in today’s, digital technology world it can be difficult to tear your kids away from their tablet screens. If there’s one thing that will bring them away from their gadgets its defiantly a board game. Board games teach kids about sportsmanship, rules, and strategy. Kids enjoy playing games and more than likely the parents will love playing along with them too. So, if your kids are climbing the walls get out the classic board games and get the whole family involved having fun for hours and away from their technology screens. So, let’s take a look at the best board games for kids and families to enjoy.


Scrabble is your classic board game. Scrabble is a word game where two or 4 players scores points by simply placing tiles onto the board game to create a word. The tiles must make up a word that reads left to right rows or downward in columns and they must be included in a standard dictionary.


Monopoly is your classic real estate board game. You move around the board trading and buying properties, and developing them with hotels and houses. The main goal is to drive other components into bankruptcy. The board game includes 28 title deeds cards, a gameboard, 16 community chess cards, 12 hotels, 32 houses, 8 tokens, 16 chance cards, money pack, and 2 dice. A great family fun game.

4 Tec Game  

4 Tec game is a classic connect 4 in a row board game but in a new 3 D version. The goal of this game is to get matching 4 colours of the same counter in a row in any direction vertically, diagonally, or horizontally. Whoever reaches 4 in a row first wins. The board game has 32 red and 32 yellow counters included. It is a very skillful game and will provide hours of entertainment and fun for the family and the kids.


This is not your typical board game however it will bring great fun and family time together. You simply spin the dial and let the silliness begin. The box includes a large white mat with coloured circles and a dial board. Left-hand red, right foot green, and so on.


Cluedo is your classic mystery game. Put your detective skills to the test and become the next Sherlock Holmes with classic Cluedo. This game involves players finding out who murdered someone in the mansion. Whoever solves the murder is the winner of the game. The game includes a game board, 1 detective notepad, 1 yellow murder envelope, 21 black Cluedo cards, 6-character tokens, 2 dice, game guide, 6 weapon tokens, and 13 red bonus cards.

30 Seconds   

With the 30 seconds board game, you must think quickly and talk fast. 4 or more players can play the game and each player must describe 5 names on the card they choose to their teammates to guess in as little as 30 seconds. This game can quickly become a favourite for all the family to enjoy. The topics on the cards include tv shows, landmarks, popular songs, celebrities, and much more. The components cannot say what the actual name is they must describe or explain what it sounds like or rhyme sounds.


Battleship is a classic board game known all over the world for its logical and strategic thinking. The main aim of this game is to sink your opponent’s ships. Take on your friends in a head to head battle. The game includes 10 plastic ships, 84 red hit pegs, 2 portable battle cases, 1 label sheet, 168 white miss pegs.

Guess Who   

Guess who is a great choice of board game everyone will enjoy. The players must narrow down their guesses with yes or no questions. Each player must try to guess the other mystery character. The box includes 2-character sheets, 2 game trays, 4-character selectors, 4 supports, instructions, and 2 scoring sliders.

Snakes and Ladders   

Snakes and ladders is your classic game where you place a counter on the space that says start here. Each player must roll the dice. The counter must be moved on the spaces if a player lands on a snake you must slide down the snake to the bottom and if your counter lands on a ladder you must climb back up again. Whoever reaches home at the bottom wins the game.

Kids Electric Cars Recommends Quote Devil for Car Insurance

Car Insurance in Ireland is mandatory if you are the owner and drive a vehicle. If you are seeking car insurance that is very affordable and cost effective, then Quote Devil is the solution and company for you. As a kid’s electric cars company, we have multiple drivers delivering our products nationwide to our customers on a day to day basis. We decided to shop around for the best price for car insurance. By comparing all different quotes and the cheapest rates, we found Quote Devil to be the best. Here are some of the reasons why we would recommend Quote Devil for Car Insurance.

Quote Devil are the market leaders when it comes to providing quality Irish insurance at very affordable prices. They are the leading providers for advice, insurance cover, and expertise across the country. They specialise in many different types of car insurance including young drivers’ insurance, drivers with convictions, declined drivers, and women drivers. You can get a low-cost car insurance quote in less than a minute and complete a full policy in just 3 minutes. We choose them because we knew they were professional and experienced and could offer us the best quote on the market today. We would highly recommend Quote Devil to anyone, you can get a quote from them at https://www.quotedevil.ie/car-insurance.

  • Discounts for Multiple Cover  

We benefited from their multi-cover discounts saving us money in the long term as we have all of our policies in the one place.

  • Cheapest Quotes on the market  

They offer affordable and cost-effective quotes for saving you money on all car insurance policies. They are dedicated in getting you a reliable and affordable price even for first time drivers they will try to keep the price down as much as possible.

  • Their Customer Service is second to none   

As soon as we spoke to Quote Devil, we knew they were the perfect and the ideal insurance broker for us. They went above and beyond to find the best quote and offered us a hassle-free service. Their staff members are very friendly and very welcoming to speak to. They value your custom and will listen to any specifications that you may have for your company. Get a quote in less than 1 minute and the whole process completed in less than 3 minutes.

  • They are always there for you   

They are 100% committed to every customer and always put your needs first. They are available to you on Monday-Friday 9am-6pm and Saturday 10am-3pm. Their friendly agents are always ready to answer any questions. They provide quality insurance and excellent value.

  • They are your one-stop-shop for insurance

Not only do they offer car insurance, but a wide range of other insurance policies including van insurance, travel, pet, business insurance, many more. There is nothing they can’t sort for you and nothing they don’t have. All your car insurance needs all in one place, with the best quotes, dedication to every customer, and professional and experienced advice.

How to Maintain your Kids Electric Car

We all love our kids and would do anything to put a huge smile on their faces. What makes kids the happiest is having a fun toy to play with. Any type of electric cars is the ideal and perfect toy for kids. They have become very popular among both girls and boys. Not only are these cars a lot of fun to drive around in, but they will give your children a real sense of driving a real car. It gives kids a real feeling of being all grown up. It is a child’s dream come true to drive an electric car and also gives your kids an actual physical experience while driving the car. There are a lot of great brands out there for a top quality ride on toys that are perfect for your little one. Kids do love a drivable ride on toys; however, they can be expensive to buy, that is why it is important to teach them how to drive safely. It will also enable them to learn how to maintain and take care of the toy and teach your kids to do the same for their future real-life vehicle.

Here we are going to discuss some helpful tips on how to maintain your kid’s electric car:

Read the Instruction Manual  

As a parent, it is important to fully understand how the kid’s car works, how to set it up, and the dos and don’ts when using it, etc., you can find all this out by reading the instructions manual that comes available with the product. Once you have grasped all the instructions, you can then teach your little one.

Take care of all car parts   

To keep the ride on toy in top condition, you must take care of each and every part of the car. These parts include:

  • Wheels  

With all kid’s cars, the wheels would be the first part to become damaged. Most toys have limitations on the surfaces on which you can drive them on. Many kids may not drive on the surfaces they are supposed to causing the tyres to wear out fast. Check and oil the wheels regularly. Use a clean cloth to wipe the rims to keep them clean from dirt and soil. Check for any balance issues and if the tyres are worn out, change them with compatible new tyres.

  • Battery   

The battery is like a car engine, it is the heart of the car. If the battery is damaged, then your toy car is also. Always stick to the required battery charging time. Do not overcharge the car as this is a common cause of battery damage. Overcharging will shorten the life of the battery. If you need to replace the battery, ensure it is a compatible one to your car. Please refer to the instruction manual for all recommendations on battery life.

  • Body   

Always clean the toy with a clean cloth every time after use. Avoid scratching the body to preserve the look of the car. When the car is not being used, put it into storage. Try to avoid putting stickers on the ride on as it can damage the paint. Cover the car with a large canvas sheet or cloth.

Find an Appropriate Storage Space  

Before purchasing the toy, you should find an appropriate place to store the ride on in the home when the kids are not playing with it. The space should be big enough for the car to move in and out safely without hitting anything that could damage it. Store the toy in the garage, kid’s room, basement or attic, any place that would protect the car for long term use.

Teach your kids how to use the car   

It is important to teach your kids how to work the toy car step by step. Be very vigilant at first and safety should be your number one priority. Set some ground rules and also how it is important to take care of the car full time.

Along with a parent’s guidance on how to use the car and maintain it, your child should do just fine. Kids are quick to pick things up but safety should be the number one priority. In addition to being responsible for their toy car, it will also help teach them how to take care of their future cars.