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Car Policy Cover Options

We currently offer three types of car insurance cover; Third Party Only, Third Party, Fire and Theft and Comprehensive Insurance.

Third Party Only

Provides the minimum cover required by law. Cover for third party property damage as a result of an insured loss up to €30 million and unlimited cover for third party personal injury.
Third Party, Fire and Theft

In addition for covering liability to Third Parties, the vehicle is also covered for loss or damage caused by fire, self-ignition, lighting, explosion or by theft or attempted theft, subject to the terms and conditions of the policy.
Comprehensive

Our comprehensive insurance policies in addition to covering liability to Third Parties and the items listed above, also covers accidental damage and some additional benefits. Subject to the terms and conditions of the policy.

Below is a summary of what is covered on our car insurance policies. You can find a more detailed explanation of them on our features and benefits page.

All car insurance benefits are subject to the terms and conditions of the policy. Normal underwriting rules and acceptance criteria apply. We reserve the right to refuse insurance cover.

List of Benefits
TPO * TPFT * COMP *
Third Party Liabilityyesyesyes
Legal Costsyesyesyes
Foreign Useyesyesyes
Firenoyesyes
Theftyesyesno
Total Lossyesyesno
Claims Buddyyesyesyes
Monthly Payment Planyesyesyes
Accident Recoverynoyesyes
Fire Brigade Chargesnoyesyes
New Car Replacementnoyesyes
Radio/Audio/Navigation Coveryesyesno
Own Damageyesnono
Hotel Expensesyesnono
Hire Car for theftyesnono
Medical Expensesyesnono
Courtesy Caryesnono
Windscreen Coveryesoptionaloptional
Breakdown Assistanceoptionaloptionaloptional
Driving Other Carsoptionaloptionaloptional
No Claims Discount Protectionoptionaloptionaloptional
Personal Accidentoptionaloptionaloptional
Loss of Keys Coveroptionaloptionaloptional
Open Driveoptionaloptionaloptional
Excess Optionsoptionaloptionalno