What’s an excess?
If you claim for accidental damage to your car, you have to pay the first portion of any claim. The amount you pay is called an excess. Please check your policy schedule to find out the amount of your excess.
Can I protect my maximum no claims discount?
Yes, you can protect your no claims discount for a small extra charge
Can I drive someone else’s car?
Most of our customers (aged over 25 years and with a full licence) have automatic third party cover to drive someone else’s car. The easiest way to see if you are covered is to check your certificate of insurance.
What's the difference between Comprehensive and Third Party, Fire & Theft cover?
| COMPREHENSIVE | THIRD PARTY FIRE AND THEFT | |
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| Accidental damage caused by you or others |
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| Malicious damage or vandalism |
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| Damage by fire or theft. (fire and theft claims will not reduce your no claims discount) |
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| We will also pay any claims or expenses arising from legal action brought against you following a road accident. There is no limit on the amount of personal injury claim settlements we pay on your behalf. If you damage someone else’s property, there is a limit of €30 million. |
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| Windscreen repair or replacement cover. |
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Who can drive my car?
Cover is restricted to persons named on the certificate, including the policyholder. There can be cover restrictions for drivers under a certain age. Open drive policies are not normally issued but can be requested.
How can I use my car?
Most policies cover social, domestic and pleasure use, including travel to and from work. Business use is available but must be specifically requested.
What is a No Claim Discount?
A No Claims Discount is equivalent to each years claim free driving in your own name up to a maximum of 5 years. This is deemed to be a full No Claims Discount.