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Car Policy Features and Benefits

We don't just offer you affordable car insurance, we also ensure that you get great cover along with many additional benefits as part of your motor insurance.

Breakdown assist (including home-start) *

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For those days when your car won't start or breaks down at the side of the road, use our free 24-hour breakdown cover or home start. Using this breakdown assistance will not affect your no-claims bonus.

If you cannot drive the vehicle as a result of a breakdown, we will arrange and pay for one hour’s labour at the roadside or at your home and towing the vehicle to the nearest competent repairer or to a garage of your choice, whichever is closer.

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Driving other cars

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If your certificate of insurance says so, we will also cover you, the policyholder, for your liability to other people while you are driving any other private motor car which you do not own or have not hired under a hire-purchase or lease agreement, as long as:

1. The other car is not owned by your spouse / common law partner or employer or hired to them under a hire-purchase or lease agreement;
2. You currently hold a full European Union (EU) licence;
3. The use of the other car is covered in your certificate of insurance;
4. There is a current insurance policy in place in another person’s name that covers the other car;
5. You have the owner’s permission to drive the other car;
6. The other car is in a roadworthy condition and holds a valid NCT;
7. You still have the insured vehicle and it holds a valid NCT and is in a roadworthy condition.
8. You are not covered under any other policy to drive the other car;

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Claims buddy

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A dedicated Claims Buddy to help you get back up and running, without hassle or fuss.

Windscreen cover (less windscreen replacement excess)

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The cover you need for those unavoidable windscreen damages, giving you peace of mind with Liberty Insurance windscreen cover.

Windscreen repair and replacement* cover is included on all comprehensive private motor policies. This is an optional cover for third party, fire and theft policies. We will pay the full cost of repairing or replacing (less the excess) damaged or broken glass in the windscreen or windows of the vehicle, as long as there has not been any other loss or damage. Claims under this section will not affect your no-claims bonus.

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European cover

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We provide the minimum cover you need by law to use your car in any EU country or any other country which has made arrangements to meet the minimum insurance requirements of the Commission of the European Union, for up to 93 days. We will extend your cover to the same level you use at home (as shown in your schedule) when you want to get away on a much needed holiday in Europe, or need to work or attend school abroad.

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Car hire after theft (excluding taxi policies)

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If your car is stolen and you don't have it back within 24 hours, we will provide a hire car until it is recovered, up to a max of five days. The car will be automatically insured under this policy, once you tell us the registration number. If the hire car is lost or damaged, we will decide how and where the car is repaired or replaced. This benefit applies to comprehensive policies only.

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24 hour claims helpline

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Been in an accident? Don't worry; we have a 24 hour claims helpline that you can contact at anytime day or night if you are involved in an accident. We have a fast and efficient claims service which reduces cost resulting in lower premiums.

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Audio cover

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We automatically offer audio cover up to 5% of the value of the vehicle before the accident happened or €635, whichever is lower, for loss of or damage to radio-receiving or transmitting equipment, taxi meter, audio equipment, electronic navigation or radar detection equipment permanently fixed to the vehicle.

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Loss of keys cover

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If the car keys or lock transmitter of the vehicle are lost or stolen, we will pay the cost of replacing the door and boot locks, the ignition and steering lock and the lock transmitter, as long as we are satisfied that the person who may have your keys or transmitter knows where the vehicle is. The most we will pay is €850.

Online policy management (excluding taxi policies)

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Manage your policy online with your very own online customer account. You can make various changes to your policy at any time you wish, day or night, at a time that suits you. To make things even easier for you, you can schedule changes to happen straight away or at a future date.This benefit applies to private motor vehicles only.

Monthly payment plan

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We want to help you make paying for your policy as easy as possible and this is why we offer an easy monthly payment plan.

BillPay with An Post

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BillPay is An Post's free bill payment service. All you have to do is bring your bill with you to your local Post Office and An Post will handle your payment for you - all for free.

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Personal accident

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In the most serious situations, you want to be sure you have the best cover in place. That is why we will cover the policyholder for death and certain disabilities following an accident involving the insured car as part of our comprehensive cover.

Medical expenses

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We will pay for medical expenses up to €135 for each person injured if the vehicle is involved in an accident, as long as there is no cover in force under another motor insurance policy.

Hotel expenses

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If the vehicle cannot be driven after an accident or loss covered under section 1 of the policy we will pay up to €65 for the driver (or €135 for all the people in the vehicle) towards the cost of hotel expenses for an overnight stop if this is necessary.

Terms and conditions

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.