1. Quote the exact trim
Quote Model Y RWD, Long Range, and Performance separately if you are still choosing. Do not assume the insurance cost is the same across trims.
Insurance first, deposit second
Irish Tesla buyers should check insurance before committing to the exact trim. Performance trims, younger drivers, company ownership, high annual mileage, and named-driver arrangements can change the quote materially.
2. Check finance and ownership
Personal, company, and finance arrangements can affect policy details. Confirm the insurer is comfortable with the setup before placing the order.
3. Click referral first
Insurance does not affect the referral benefit, but both checks belong before deposit: open the referral link, then verify insurance, grant, VRT, and charging.
What to ask insurers
Ask for the premium, excess, windscreen cover, courtesy-car terms, charger/fire exclusions if any, annual mileage limit, named-driver rules, and whether the policy starts cleanly on collection day. Keep the quote reference before paying Tesla's order deposit.
Model Y Performance
Performance trims can change risk appetite. Quote the exact Tesla trim and registration year rather than a generic Model Y.
Home address and parking
Driveway, apartment parking, public street parking, and overnight location can affect underwriting. Be exact to avoid issues later.
Collection day
Insurance needs to be active before handover. Treat delivery logistics and insurance as one checklist, not separate afterthoughts.
Insurance questions Irish buyers keep asking
Should I quote before the order deposit?
Yes. Quote before the deposit, especially if you are looking at a Performance trim. Referral timing matters, but an unexpected insurance quote can wipe out the value of any benefit.
Should I quote Model Y Performance separately?
Yes. Do not assume a generic Model Y quote covers the Performance trim. Quote the exact trim, driver setup, address, parking, mileage, and finance or company ownership arrangement.
What details should I give the insurer?
Give the exact Tesla model, trim, year, finance or company ownership setup, overnight parking, annual mileage, named drivers, and the collection date if known.
Can insurance wait until delivery week?
It should not. Delivery week is for confirming start time and registration details, not discovering that the exact trim is awkward to insure.
Related guides
Model Y referral guide
Model 3 referral guide
SEAI and VRT guide
Home charging guide
Community
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Insurance quote checklist for Irish Model Y and Model 3 buyers before the Tesla order deposit.
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