General

If you are paying your policy by monthly instalments, you can pay your policy in full at any stage throughout the year. The service charge will only be applied to your premium for as long as you are availing of the instalment option, so you can save money by paying your policy off early.

To make an early settlement payment, contact us here.

Car, van and taxi/hackney

We will pay you the market value of the vehicle immediately before the accident. The value will be calculated based on industry standard guides.

New car replacement applies to cars less than 12 months old that were bought as new, please refer to the policy booklet for details. 

New car replacement does not apply to bike or fleet policies.

Car, taxi/hackney, van, motorcycle or fleet

  • you should notify the Gardai immediately
  • note the insurance details of the third party involved
  • note the names, addresses and phone numbers of any independent witnesses
  • do not admit liability; and
  • contact our Claims team here.
  • email our dedicated Motor claims team

We will then assign you a personal claims handler, and deal with your claim as quickly and as hassle free as possible.

Check all the details on your renewal notice to make sure they are correct and that you have all relevant discounts included. You should review things like cover type and any optional extras.

Our renewals team will be happy to go through all the details with you. You can contact us here.

Car, taxi/hackney, van, motorcycle or home

We will send you your renewal quote about 30 days before your renewal date. It is very important that you carefully read your renewal information and let us know about any changes that could affect your policy.

Did you know you can now pay for your renewal online?

Policies starting with GEI

If you currently pay for your policy on a monthly basis, there is no need for you to do anything. We will automatically renew your policy and apply for your monthly direct debits as normal. We will send your new policy documents once we have received your payment.

You have the right to cancel the automatic renewal of your policy. You can advise us by phone or by email. Please contact us here at any time during the policy if you do not wish to automatically renew.

If you cancel the automatic renewal of the policy, your cover will cease at the renewal date unless you advise us to renew the policy before the renewal date.

You can find more information at the website of the Competition and Consumer Protection Commission (ccpc.ie) and going to the ‘Consumers’ section (ccpc.ie/consumers)

Policies starting with XB

There is no need for you to do anything. We will automatically renew your policy. We will send your new policy documents once we have received your payment.

You have the right to cancel the automatic renewal of your policy. You can advise us by phone or by email. Please contact us here at any time during the policy if you do not wish to automatically renew.

If you cancel the automatic renewal of the policy, your cover will cease at the renewal date unless you advise us to renew the policy before the renewal date.

You can find more information at the website of the Competition and Consumer Protection Commission (ccpc.ie) and going to the ‘Consumers’ section (ccpc.ie/consumers)

Accidental damage is optional, and if you have selected it, you'll be covered for any sudden and unexpected damage which is not caused deliberately.

For example, on your buildings insurance, it would cover you for accidents such as putting a nail through a pipe.

On your contents insurance, it would cover you for accidentally spilling paint on a carpet.

More information is available in your policy booklet.

Car, van or fleet

The car or van's stereo, sat nav or other radio equipment will be covered up to €635 or 5% of the market  vehicle value (whichever is lower) provided they are permanently fixed to the vehicle.

Personal possessions such as handbags, shopping etc are not covered, so please do not leave them in your car.

Yes, as long as the policy is in your own name you will start to earn a no claims bonus, regardless of which licence type you hold. You can also earn named driver experience if you have been a named driver on somebody else’s policy, regardless of your licence type.

Car, taxi/hackney van or motorcycle

How do I avail of my No Claims Bonus (Discount)?

A no claims bonus (or no claims discount) is a discount which you earn by holding a policy in your own name without any claims.

  • It builds up in years, so the more years you drive without any claims, the bigger your discount will be, up to a limit of nine years.
  • Your no claims discount must have been earned on a policy within the past 24 months. To clarify you must have held a policy in your name with your no claims bonus obtained within the past 24 months.
  • The discount can only be used on one policy and for one person at any one time. This means that if you currently hold another policy which will be remaining active you cannot use the No Claims Bonus from that policy on this one.
  • You can use a no claims bonus earned on private motor, taxi or commercial policies on your private motor policy.
  • To avail of a no claims bonus, you must have earned your bonus on a similar policy. For example for no claims bonus to be applied on a motorcycle policy, it must have been earned on a motorcycle policy.
  • You can use a no claims bonus earned on a commercial vehicle or private motor vehicle towards a commercial vehicle policy providing weight of the vehicle does not exceed two tonne carrying capacity.

What if my No Claims Discount is from outside ROI?

If your No Claims Discount has been earned outside the Republic of Ireland, it must have been earned in the past 24 months, within UK, all EU countries, USA, Canada, Australia or New Zealand.

Please Note:

  • Once we receive proof of your no claims discount, we will contact your last insurer to confirm the document is valid.
  • We may need your help during this process so we would request that you assist us with this. For example we may ask you for contact details for your last insurer. We may also request that you contact your previous insurer to allow us to obtain information on your previous policy.
  • This process may take some time.
  • If we are unable to confirm your no claims discount this may result in the removal of your discount, hence your premium may increase.

What do I need to do next?

Once you buy your policy, you will need to provide us with proof of your no claims bonus. To do this you will need to send us a copy of your No Claims Bonus Certificate.

Your No Claims Bonus Certificate will be included in your renewal pack from your previous insurer, or you can request it from them if you don’t already have it.

You can email a copy or a clear photo of your certificate to us. Click here to contact us. Remember to add your policy or reference number clearly in any emails you send to us. 

If you earned your No Claims Discount with Liberty Insurance under a previous policy, please contact us to advise.

Car

Windscreen cover* is included as standard on our comprehensive car insurance policies.

This is an optional extra on third party fire and theft car insurance policies. This covers all the windows in the car (but does not include sunroofs, glass roofs or panoramic sunroofs) as long as an approved repairer is used.

A claim on your windscreen cover won't affect your no claims bonus. Two claims for every vehicle in any one period allowed.

Call 1800 944 435 to arrange for your windscreen to be repaired.

[*] Windscreen Replacement Excess applies should your windscreen be deemed unrepairable by the glass technician. You pay the first amount as outlined in your policy schedule and we pay the rest.

Car

For motor policies beginning with XB, please refer to your schedule of insurance to check if you selected Breakdown Assistance as an optional cover.

For motor policies beginning with GEI, Breakdown Assistance is included as standard. Please see full details below:

If you cannot drive your vehicle as a result of a breakdown we will arrange one hours free roadside assistance and tow the vehicle to the nearest competent repairer, or to a garage of your choice, whichever is closer. If the repairs cannot be completed where the vehicle broke down and you are away from home, we can arrange and pay up to €150 for one of the following:

In the Republic of Ireland and Northern Ireland:

  • transport for you and your passengers to your intended destination within the territorial limits; or
  • use of a replacement vehicle for up to 48 hours while the repairs are being carried out; or
  • bed and breakfast accommodation for one night only while repairs are being carried out (up to €35 for each person and €150 in total). If the vehicle is repaired, we will provide the cost of public transport for you to collect the vehicle.

In England, Scotland and Wales (including the Isle of Man and Channel Islands):

  • a replacement car for up to 48 hours, up to £100; or
  • if the car cannot be repaired before the departure date, we will cover the cost of towing the car to the port you are leaving from, up to £250.

The help provided depends on the options available to us at the time you contact us. We also offer a message service to let family and friends know what has happened. Breakdown assistance is subject to three call outs within the insurance year.

Motorcycle

For motor policies beginning with XB, please refer to your schedule of insurance to check if you selected Breakdown Assistance as an optional cover.

For motor policies beginning with GEI, Breakdown Assistance is included as standard. Please see full details below:

For those days when your motorcycle won't start or breaks down at the side of the road, use our free 24-hour breakdown cover (including home start). Using this breakdown assistance will not affect your no-claims bonus.
If you cannot drive the motorcycle as a result of a breakdown, we will arrange and pay for:

  1. one hour’s labour at the roadside or at your home; and
  2. towing the motorcycle to the nearest competent repairer or to a garage of your choice, whichever is closer.

If the repairs cannot be completed where the motorcycle broke down and you are away from home, we can arrange and pay for one of the following.

  1. Transport for you and your passenger to your intended destination, within the territorial limits, up to €35 for each person and €70 in total; or
  2. bed-and-breakfast only accommodation for one night only while repairs are being carried out, up to €35 (£35) for each person and €70 (£70) in total.

The help provided depends on the options available to us at the time you contact us.

Please refer to your Certificate of Insurance for details on those who are named on your policy and can drive your vehicle. If you have opted for open drive, any driver between the ages of 25-70 with a full Irish or EU licence and who is claim, conviction and penalty point free will be covered. Open drive not available on motorcycle insurance and  taxi/hackney. 

More information is available in our policy booklets.

Car insurance policy booklet

Taxi policy booklet

Van insurance policy booklet

Motorcycle insurance policy booklet

Car

Check your Certificate of Insurance to see if you are covered to drive other cars. If so, the policyholder will have third party only cover to drive other private motor cars that are temporarily borrowed, under the following conditions:

  • the other car is not owned by your spouse/partner/cohabitant or employer or hired to them under a hire- purchase or lease agreement;
  • you currently hold a full Irish, United Kingdom (UK) or European Union (EU) driving licence;
  • the use of the other car is covered in your certificate of insurance;
  • there is a current insurance policy in place in another person’s name that covers the other car;
  • you are not covered under any other policy to drive the other car;
  • you have the owner’s permission to drive the other car;
  • the other car is not more than 15 years old;
  • the other car is in a roadworthy condition and holds a valid NCT;
  • the vehicle is not being driven outside the territorial limits; and you still have the insured vehicle and it holds a valid NCT and is in a roadworthy condition

This extension applies while being driven within the territorial limits and only to private passenger cars.

It does not include:

  • vans;
  • car-vans;
  • crew cabs;
  • jeep-type vehicles with no seats in the back;
  • vans adapted to carry passengers; or any vehicles taxed commercially

For full details please refer to section seven of the policy booklet.

If you are in any doubt as to whether the benefit applies to your policy, please contact us here

This is a discount we offer if you haven't had a policy in your own name before, but have been a named driver on someone else's policy without any claims.

  • It works in the same way as a no claims bonus, so you get a discount on your premium for your experience.
  • To get the discount you must have been named on a private car.
  • The end date of the most recent named driving period must be within the last 24 months.
  • It must be at least one year, and each year must be a full 12 months.
  • This means there must be no more than 24 months in between driving periods and no more than 24 months since you have last been named on a policy.
  • For van insurance you must have been named on a commercial van or truck policy.
  • If you qualify for the discount, you'll need to send us proof (a letter from the previous insurance company) once you start your policy.
  • Please note Named Driver Experience earned on a Motorbike, Motor trade or fleet policies cannot be used on a Private Motor policy.

My Named Driving Experience is on a company car, is this accepted?

We accept named driving discount for company cars, as long as the car was specifically for your own use.

If you still work for the company and have the sole use of a car we cannot accept this Company Car Driving experience.

You will need to provide a letter from the insurance company saying you were named on the policy and there were no claims.

If you were not named on the company policy, you need to provide:

  • Proof from the company who owned the car that you were the only driver of the car.
  • Proof from the insurance company or broker that there were no claims.

What if my Named Driving Experience is from outside ROI?

  • If your Named Driving Experience has been earned outside the Republic of Ireland, it must have been earned in the past 24 months, within UK, all EU countries, USA, Canada, Australia or New Zealand.
  • Once we receive proof of your named driving experience, we will contact your last insurer to confirm the document is valid.
  • We may need your help during this process so we would request that you assist us with this. For example we may ask you for contact details for your last insurer. We may also request that you contact your previous insurer to allow us to obtain information on your previous policy.
  • This process may take some time.
  • If we are unable to confirm your named driving experience this may result in the removal of your discount, hence your premium may increase.

What do I need to do next?

Once you buy your policy, you will need to provide us with proof of your named driving experience. To do this you will need to send us a letter from each of your previous insurers to show the period you were a named driver on each policy and prove you were claim free.

We cannot accept a Certificate of Insurance, proposal form or Insurance Schedule of Insurance as proof of your named driving experience.

You can email a copy or clear photo of your named driving experience to us. You can contact us here. Remember to reference your policy or reference number clearly in any emails you send to us.

If you earned your Named Driving Experience with Liberty Insurance under a previous policy please contact us to advise.

Policies starting with XB

Your Certificate of Insurance available for you to access and print from your customer portal.

Policies starting with GEI

Home Insurance: Where we hold a valid email address for you, most of our documents will be issued to you digitally by the end of the next working day. 

We have introduced a Documents Portal where you can access all your documents in one place at any time you like. As we refine this new tool, some documents are not currently available. These documents will be issued to you by post. If we do not hold a valid email address for you, your documents will be posted.

Car/Taxi/Hackney/Van Insurance: Where we hold a valid email address for you, most of our documents will be issued to you digitally. We have introduced a Customer Documents Portal where you can access all your documents in one place at any time you like. As we refine this new tool, some documents are not currently available. Where we do not hold a valid email address for you, your documents will be posted.

Your Certificate of Insurance and Disc are available for you to access and print from your Documents Portal. It is a legal requirement to display this disc on the windscreen of the vehicle covered by this insurance policy. The disc is non-transferable. 

Failure to print/display the insurance disc correctly could result in you being fined under the Road Traffic Act 1961 (as amended). Please refer to the print instructions contained on your Insurance Certificate and Disc.

Motorcycle Insurance: Where we hold a valid email address for you, most of our documents will be issued to you digitally by the end of the next working day. We have introduced a Documents Portal where you can access all your documents in one place at any time you like. As we refine this new tool, some documents are not currently available. These documents will be issued to you by post. If we do not hold a valid email address for you, your documents will be posted.  

Your Certificate of Insurance is available for you to access and print from your Documents Portal.

To access the Documents Portal, you will need the following information: 
•    Your email address that was used when you purchased your policy 
•    Your policy reference number (this begins with GEI)

Once you’ve entered these details, a one time password (OTP) will be sent to your email address. This will contain a password which you should copy and enter on the portal.

This password is valid for 30 minutes, to help protect your personal information.

The one time password is valid for 30 minutes. If this time has passed, you can request a new one through the Documents Portal. If you are still unable to access the portal, please contact us.

Most of our documents are issued electronically in your Documents Portal. If you have no access to a colour printer, we can print for you - just let us know. You can contact us here.

There is no charge to receive a paper copy of your documents.

Only newly issued or requested documents are shared on the Documents Portal. If you need a copy of an older document, you can contact us here.

You need to ensure you use the email address that we have registered for you. Your policy reference number must be entered as it is displayed in the email we sent you. Please note this is case sensitive.
 
Your one time password is only valid for 30 minutes. If this time has passed, you can request a new one through the Documents Portal. If you are still unable to access the portal, or your email address has changed, please contact us.

If there’s a system outage, we apologise. Please try and access the Documents Portal again in a short time.

Due to changes being introduced by the Commission for Communications Regulation (“ComReg”), we are replacing our phone numbers that start with 1850 and 1890. These are known as non-geographical numbers (NGN’s).

1850 and 1890 numbers will be withdrawn and no longer available for customers to use after 31 December 2021. We are replacing the old numbers with freephone, 1800 numbers. 

We have updated our numbers to 1800 prefix. This means it will be free to contact us. both number are operating now but from January 1st 2022, only the new 1800 number will work. 

Below you can find our new numbers : 

Customer Service 1800 891 890 

Claims Support 1800 771 800 

General Queries 1800 944 412 

Windscreen Repair 1800 944 435 

The calculation of a premium is the result of a complex interaction between many rating factors. Even though there does not appear to be any change in individual circumstances from the time of the previous renewal, some of the ratings change merely through the passing of time (e.g., the age of the policyholder and vehicle) and these factors can contribute to an increase in the premium. There may also have been changes in our approach to pricing the various risk factors, or the introduction of a new pricing risk factor, which may then apply to your individual circumstances.

As a concept, insurance works by pooling the funds of many to pay for the claims of a few. Every customer contributes their premium to a larger fund from which we as insurers are able to compensate a customer who has a valid claim, e.g., vehicle damage or an injury to a third party. Therefore, increases in the costs of the total costs of claims and/or the increases in the total number of claims will have a knock on effect on the overall pool and will result in higher premiums.

Please find below a list of the types of factors – both customer-specific and general – which are most likely to be relevant in explaining any increase in your premium.

Customer-Specific Factors:

Some of the customer-specific rating factors which lead to a change in risk and/or our view of that risk are:

  • Age of Vehicle:
    The risk changes every year as the vehicle itself is now a year older, potentially putting it into a different rating category.
  • Type of Vehicle:
    You may have changed your vehicle in the past year, again potentially putting it into a different rating category. The make and model, engine capacity, weight, fuel type, transmission, safety features and the cost of repairs are among the relevant factors. Also, based on the most recent analysis of claims, pricing models are regularly reviewed and this may result in changes in our approach to pricing various risk factors or introducing new pricing risk factors, which may then apply to you. An example of this would be using fuel type or transmission as a rating factor for the first time. So, ratings may change from being based on engine size/cubic capacity (CC) to brake horse power (BHP) as our view of vehicle technology and engines evolve with the car market.
  • Named Drivers / “Open Driving”:
    Any change in the number or circumstances of the drivers named on your policy may affect your premium. Certain driving options like “Open Driving” may result in an increased premium due to the risk associated with such driving options.
  • Age of Driver:
    The risk actually changes every year as the drivers are now a year older, potentially putting him/her into a different rating category. Your experience and that of the drivers who may drive your car is one of the main rating factors used by insurers. Statistics show that younger, less experienced drivers are a higher risk (more likely to be involved in accidents and make claims). More experienced drivers will benefit from lower premiums; however, at a point the risk starts to increase again and this is reflected in the pricing of motor insurance. Also, the type of driving licence you hold and the number of years for which it has been held is an indicator of an individual’s driving experience and this is often reflected in your premium as a rating factor.
  • Location of Risk:
    The area you live or work in may have a bearing on the cost of your motor insurance. Normally, in areas where the risk of accidents is greater (typically more urban and densely populated areas), you’ll pay more. The same applies if you live somewhere which has high levels of vehicle crime. Insurers may assess each address individually or at an overall county level, looking at claims, traffic, theft and malicious damage statistics together with the frequency of accidents in that area. More accidents tend to result in more claims, so it could cost more to insure vehicles in those areas. Again, we continuously review and analyse relevant data so that even if you have not changed address, our view of this risk factor may have altered since your last renewal.
  • Occupation:
    If you use your car for business purposes, you're likely to pay more for cover, as you’ll be driving more when the roads are busy. Your annual mileage may also be an important consideration. After all, the more you drive, the more likely you are to be involved in an accident. Also, the nature of your journeys could affect your price. For example, if you use your car to commute to work when traffic is busy, insuring your car may cost more than if you only used your car socially. Again, we continuously review and analyse relevant data so that even if you have not changed job, our view of this risk factor may have altered since your last renewal.
  • Mid-Term Amendments:
    If you made a change to the policy during the year (particularly if made towards the end of the term), this is possibly affecting your premium this year. Any mid-term changes will have been charged on a pro-rata basis until renewal but the new renewal price will have been calculated using the new policy details for a full 12 months.
  • Loss of No Claims Discount (NCD):
    This would be as a result of claim(s) submitted/processed within the past 12 months.
  • Claims and Convictions:
    A loading may have been applied to your policy due to the number or severity of claims and/or convictions incurred by you or any person who will drive your vehicle. Claims within the last five years can still affect the premium and multiple claims will attract a higher loading, particularly for the same cause.
  • Penalty Points:
    You or any person who will drive the vehicle may have incurred Penalty Points, therefore impacting on the premium.
  • Payment Method:
    The payment method used by you may have caused an increase in your premium, for example if you choose to pay by direct debit, an annual percentage rate may apply.

Regulatory changes:

Your renewal premium may also be impacted by new Central Bank regulations effective from 1st July 2022, which has introduced a ban on price walking (see definition below). This means that, from that date, Insurers cannot charge consumers, who are on their second or subsequent renewal, with the same insurer, a premium higher than they would charge an equivalent first renewal customer. We have amended our rating to be compliant with these regulations.

Central Bank definition: Price walking is where you are charged a higher premium the longer you remain with your insurer, and for no reason other than staying with the same provider

 

External Factors:

External factors are those costs which affect the cost and number of the claims we have to pay. The cost of paying claims is the single largest factor which contributes to your premium. Given that the cost of claims is the most significant cost associated with insurance, it is vital that insurers set premiums which are sufficient to meet these costs so the business is sustainable and that we are there to pay claims for our customers in the long term.

 

The main components of the total cost of claims are:

  • The size of awards for injury claims and medical inflation
  • Legal costs associated with handling claims
  • Cost of parts
  • Labour for repairs

We hope that you find this useful. However, if you believe that you require more information in relation to the price of your premium renewal, You can contact us here.

Claims & Emergencies

Car, taxi/hackney, van or motorcycle

Please ensure you have full details of the claim including:

  • policy number;
  • policyholder name and contact details;
  • date and location of incident;
  • circumstances surrounding the incident; and
  • third party details if applicable.

Home

Please ensure you have full details of the claim including:

  • policy number;
  • policyholder name and contact details;
  • date and location of incident;
  • circumstances surrounding the incident;
  • Estimated value if known;
  • Risk address; and
  • details of any previous claims in last 5 years.

All claims and incidents that may give rise to a claim now or in the future, must be reported to Liberty Insurance immediately or as soon as practically possible.

Incidents that may give rise to a claim must be reported to Liberty Insurance immediately. You can contact us here

Car, van or motorcycle

An excess is the first amount of any claim you must pay, where you make a claim under the policy.

We pay the balance, up to the applicable limit.

Home

An excess is the first amount of any claim you must pay. We pay the balance, up to the applicable limit.

You need to call the 24-hour windscreen helpline on 1800 94 4435 (or 00 800 88 0 88 228 if calling from outside the Republic of Ireland). You will be asked for your policy reference number.

Getting a quote

We’re now giving up to 25% off car insurance if you get a quote and buy your policy online. The discount will be applied automatically when you get your quote, and you can be covered instantly. It couldn’t be simpler.

With our quick and easy online quote system, a typical car insurance quote takes only 2 minutes.
Acceptance criteria, terms and conditions apply.

A no claims bonus (or no claims discount) is a discount which you earn by holding a policy in your own name without any claims.

  • It builds up in years, so the more years you drive without any claims, the bigger your discount will be, up to a limit of nine years.
  • Your no claims discount must have been earned on a policy within the past 24 months. To clarify you must have held a policy in your name with your no claims bonus obtained within the past 24 months.
  • The discount can only be used on one policy and for one person at any one time. This means that if you currently hold another policy which will be remaining active you cannot use the No Claims Bonus from that policy on this one.
  • You can use a no claims bonus earned on private motor, taxi or commercial policies on your private motor policy.
  • To avail of a no claims bonus, you must have earned your bonus on a similar policy. For example for no claims bonus to be applied on a motorcycle policy, it must have been earned on a motorcycle policy.
  • You can use a no claims bonus earned on a commercial vehicle or private motor vehicle towards a commercial vehicle policy providing weight of the vehicle does not exceed two tonne carrying capacity.

What if my No Claims Discount is from outside ROI?

If your No Claims Discount has been earned outside the Republic of Ireland, it must have been earned in the past 24 months, within UK, all EU countries, USA, Canada, Australia or New Zealand.

Please Note:

  • Once we receive proof of your no claims discount, we will contact your last insurer to confirm the document is valid.
  • We may need your help during this process so we would request that you assist us with this. For example we may ask you for contact details for your last insurer. We may also request that you contact your previous insurer to allow us to obtain information on your previous policy.
  • This process may take some time.
  • If we are unable to confirm your no claims discount this may result in the removal of your discount, hence your premium may increase.

What do I need to do next?

Once you buy your policy, you will need to provide us with proof of your no claims bonus. To do this you will need to send us a copy of your No Claims Bonus Certificate.

Your No Claims Bonus Certificate will be included in your renewal pack from your previous insurer, or you can request it from them if you don’t already have it.

You can email a copy or a clear photo of your certificate to us. Click here to contact us. Remember to add your policy or reference number clearly in any emails you send to us. 

If you earned your No Claims Discount with Liberty Insurance under a previous policy, please contact us to advise.

Your no claims bonus can only be used on one vehicle at a time. This means if you are insuring a second vehicle for the first time, you will start with zero years no claims bonus, and you will start to earn a second no claims bonus on the second vehicle.

However, if you have an insurance policy with us and want to insure a second vehicle, we may be able to give you a discount on the second vehicle if you are the only driver on both policies. Call us on 1800 89 1890 to check if you are entitled to this discount.

No claims bonus protection is an optional extra on car, van and motorcycle insurance policies, which means one claim in the insurance year will not affect your no claims bonus at all. After more than one claim, step back no claims protection will apply. Although you can protect your no claims discount, your premium may still be affected by any claims we pay.

Step back no claims applies if you have not opted to protect your no claims bonus, if you claim you can keep part of your no claims discount - five or more years no claims will step back to two years discount, four years step back to one year discount and three or less years will go back to zero years discount.

You must have at least four years no claims bonus to avail of no claims bonus protection.

Home

Yes, get the value of a brand new replacement item, with no amount taken off for wear and tear. If you make a valid claim for your contents, we will replace, repair or pay an amount to replace the item as new with an equivalent item.

Yes, each policy has a low standard excess:
Private car or Taxi/Hackney - €300 (A €25 excess applies to windscreen replacements, no excess is applied to windscreen repairs). 
Please refer to your schedule of insurance to see if you have chosen a higher excess, which will reduce your premium. Excess options available are: €300, €500 or €750.
Motorcycle - GEI policies excess is €250 for GDE XB policies it will be €300. Please refer to your schedule of insurance to see if you have chosen a higher excess, which will reduce your premium. Excess options available are: €300, €500 or €750.
Commercial van - €635 for vehicles over two tonne carrying capacity or €275 for vehicles under two tonne carrying capacity.

Home insurance
Buildings or contents - €250
Pedal cycles or all risks - €125
Escape of water - €500
Subsidence - €1000

The home policy excesses noted above are our current standard excess amounts. You can select a voluntary excess of: €250, €500, €750 or €1000. These are additional to the standard excess above.

You should check your schedule and policy booklet to confirm what excess will apply to your policy.

It depends on the modification you have made. Modifications which affect the performance of the vehicle are more likely to influence the price you pay.

You must tell us of any modification to your vehicle. Remember to have all modifications completed at a professional garage.

Where applicable, you must have a valid NCT on your modified vehicle.

Please contact us to find out more. 

Yes, you can insure a vehicle registered in your own name or the name of your spouse, partner or co-habitant, or a lease company under a minimum 12 month lease. If the vehicle is registered to anyone else we cannot provide a quote.

If you are waiting to receive your first provisional licence, you must wait until you have the licence before you can buy your insurance. You can still get a quote and we can cover you instantly once you have received your licence so you can start learning straight away!

If you have passed your driving test, but have not yet received your full licence, you can purchase your insurance as a full licence holder.

Whoever owns the house, or is named on the mortgage should also be named as a joint policyholder on your home insurance policy.

If you get your quote online, we will automatically email you the details.

If you get your quote by phone, just ask for a copy to be emailed or sent to you by text.

Car, van and motorcycle

To get a quote, you will need to provide us with various details of all drivers to be insured on the policy. Please ensure that you have the additional driver's permission to share their information with us. Some of the details you will require are listed below, however you may also need additional details which you will be prompted to enter as you complete your quote:

  • name;
  • date of birth;
  • licence details;
  • claims; and
  • conviction details

You will also need the details below of the vehicle you are insuring;

  • registration number or make, model and year of manufacture;
  • value; and
  • address where it will be kept

Home

For a home insurance quote, you will need details of the property to be insured, such as;

  • rebuild value;
  • type of building;
  • when it was built;
  • how many bedrooms it has;
  • how many smoke detectors are fitted;
  • if any of the roof is flat.

You'll also need to tell us about the area around the property, including any history of subsidence or flooding and whether or not there's a river bank or water close to the house.

If you're insuring your contents, you'll need to tell us the value of the contents, and details of any items you would like to specifically name in the policy, and any high value items (individual items valued at over €3,000).

Car or Taxi/Hackney

Car , TaxiVanmotorcycle and home insurance quotes are valid for seven days

Please note: If your policy begins with XB, this question is not relevant for you.

If your policy begins with GEI, we can accept monthly payments from a bank account in the name of the policyholder’s spouse, partner or co-habitant, parent, or their son or daughter.

To set up a direct debit from any of these accounts, we must receive a signed direct debit mandate from the account holder within 14 days of the policy starting.

Your Policy

Car, taxi/hackney, van or motorcycle

To cancel your policy, you can notify us at any time by contacting us by phone or in writing. You have a legal obligation to return your Certificate of Insurance and disc if applicable. Please see here for our contact details.

If you want to cancel your policy within the first 14 working days, we will refund your premium for any period of insurance remaining. If you cancel your policy at any point thereafter, we will refund your premium for any period of insurance remaining less an administration fee. Terms and conditions apply to cancellations, please refer to your policy booklet. Details of how we calculate refunds can be found in your policy booklet. If you've made a claim on the policy, no refund will be due.

Home

If you want to cancel your policy within the first 14 days, we will refund your premium for any period of insurance remaining. If you cancel your policy in the first year of insurance after the first 14 days, we will work out your refund based on our cancellation rates as shown in the policy booklet. If your policy is cancelled at any other time, we will refund your premium for any period of insurance remaining, less an administration fee of €25. Details of how we calculate refunds can be found in your policy booklet. If you've made a claim on the policy no refund will be due.

Home

Our contents cover includes cover for valuables such as jewellery, items of  precious metals, timepieces, photographic equipment, works of art, antiques, furs, musical instruments, collections of stamps, curios, coins or medals.

Any individual item valued at over €3,000 should be listed individually on your home insurance policy. If you only want to cover these individual items whilst in the home you can specify them as high value items. If you would like to cover to be extended outside the home, you will need to specify the individual items as all risk items

More information is available in our policy booklet.

An excess is the first amount of any claim you must pay. We pay the balance, up to the applicable limit.

Home Policies

What is a voluntary excess?:
A voluntary excess is an amount selected by you that is added to the standard policy excess available. Selecting this option reduces the cost of your premium.

In the event of claim you will pay the excess applicable to your policy. This is the first amount of any claim. We pay the balance, up to the applicable limit as detailed in your policy.

Home

Emergency Home Repair comes as standard on all policies that have both bulidings and contents cover.

With Emergency Home Repair you are covered for emergency repairs for:

  • plumbing;
  • blocked drains and toilets;
  • internal electrics;
  • roof damage;
  • external glass; and
  • locks and keys.

So if something happens, like a blocked drain or roof damage, you’ll be happy to know you’ve access to qualified tradesmen 24 hours a day, 365 days a year. You will be covered up to €260 for each emergency and up to four emergencies within the insurance year.

What impact will Brexit have on my Motor Insurance?

As you are aware, Great Britain and Northern Ireland officially left the EU on 31st January 2020 and the transition period for this exit process ended on 31st December 2020. We at Liberty Insurance want to ensure that our customers are provided with as much information as possible regarding the impacts of Brexit on Motor Insurance policies.

Will I need a Green Card?

On 23rd August 2019, the MIBI confirmed that Green Cards will no longer be needed for those driving Irish registered vehicles in Great Britain and Northern Ireland when the Brexit transition period ends on 31st December 2020.

Valid Irish insurance discs will be accepted as proof of insurance for Irish registered vehicles, following detailed discussions between the Motor Insurers’ Bureau of Ireland (MIBI) and the UK Department of Transport. For vehicles exempt from carrying discs such motor-cycles and certain agricultural tractors, your Irish Motor Certificate will be accepted as proof of insurance.

More recently, the European Commission made the decision to allow the UK enter the Green Card Free Circulation zone and this takes effect from 2 August 2021 which means that Green Cards will no longer be required for UK (including NI) registered vehicles entering Ireland and the rest of the EU.

Click here for more information.

For travel to any other non EU country where a Green Card is still a current requirement, you should submit your Green Card request in one of the following ways:

•    If you are insured with us directly, you should send your request by email to greencards@libertyinsurance.ie stating your policy reference number and the country that you are planning to travel to and we will issue one to you.
•    If you are insured with us through a Broker, you should contact your Broker and they will arrange a Green Card for you.
Your request will be processed and issued within  3-5 working days. 

What level of insurance cover will I have if I drive in the United Kingdom of Great Britain and Northern Ireland with a Green Card after 31st December 2020?

Currently as a Liberty Insurance motor customer, you will have the same level of cover in Great Britain and Northern Ireland as you do in the Republic of Ireland.

I have a UK Driving Licence. Does Brexit affect this? Can I legally drive in the Republic of Ireland now?

As per the instructions of the National Driver Licence Service (NDLS), if you are resident in Ireland driving on a UK/N.I. driving licence, it is no longer valid to drive under that licence here in Ireland. Further information can be found here.

No, you are not covered to drive, unaccompanied, on a learner permit. The Road Traffic Act states that learner permit drivers must be accompanied by a full licence holder at all times when driving. Therefore, no cover will apply if you drive unaccompanied on a learner. The accompanying driver must have held a full licence for a continuous period of at least 2 years.

Once you buy your policy, you will need to provide us with proof of your named driving experience. To do this you will need to send us a letter from each of your previous insurers to show the period you were a named driver on each policy and prove you were claim free.

We cannot accept a Certificate of Insurance, proposal form or Insurance Schedule of Insurance as proof of your named driving experience.

You can email a copy or clear photo of your named driving experience to us. You can contact us here. Remember to reference your policy or reference number clearly in any emails you send to us.

If you earned your Named Driving Experience with Liberty Insurance under a previous policy please contact us to advise.

Paying for changes to your policy depends on the payment method you chose at the time you purchased your policy.

If you have chosen the pay in full option for, any later changes made to your policy will be due for payment at the time of the change. If you have chosen the monthly instalment option, any additional premium will be spread over your remaining instalments.

You can temporarily change your vehicle if your own vehicle is in the garage for service or repair.

An acceptance criteria will apply before offering cover on all vehicles.

A charge may be applied.

This will be the case if you made a change to your insurance policy during the -year, e.g. a change of vehicle, addition of a driver, change of address, etc.

By law, we have to include the ‘last year’s annual premium’ on your documents which must show the annual premium you would have paid, if the change you made to your policy during the year had been in place from the beginning of the policy term (12 months)

This is a requirement of the Provision of Information Regulations Amendment 2018.
This ‘last year’s annual premium’ figure does not include any fees or charges that were/may have been applied to the mid-term change of details you made.  

Documents & Policy Changes

If your policy begins with XB

Call us on 1800 944 412 to make a change to your policy

If your policy begins with GEI

You can make the following changes online for 

For all other changes, please contact us here

Home

To get a copy of your house indemnity you must call us on 1800 89 1890 and we can help you.

Our office opening hours are;
Mon to Fri: 8am to 7pm
Saturday - Sunday: Closed

A copy of your no claims bonus will be included within your renewal notice.
If you have lost your no claims bonus you can now request a copy online, without having to log in.

Car, van or motorcycle

Your employer may require a letter of indemnity from your insurance company.
This means that if there is an accident whilst driving the car for work purposes, your employer will not be held liable.

You can now request a letter of indemnity online, without having to log in.

All policies starting with GEI

In order for us to send you a replacement Certificate of Insurance, you will need to complete the Lost Certificate Declaration here. You can download this here.
You can then email this to us at info@libertyinsurance.ie or post it to us at Dublin Road, Cavan, Co Cavan.

Remember to write your policy number on any documents you send us.

Please call us to request a duplicate certificate of insurance or disc. You can contact us here.

All policies starting with XB

Please call us to request a duplicate certificate of insurance or disc. You can contact us here.

Making Payments

Policies starting with GEI

You can pay your premium by; phone, post or billpay in any post office, or call us to pay monthly.

You can also make a payment online. Please see below: 

Policies starting with XB

You can pay for your insurance when taking out the policy online or over the phone . Please contact us here for further information.

You can pay the premium in full or by monthly instalments by credit or debit card. 

The price we quote will include the insurance compensation fund levy of 2% , Motor Insurance Insolvency Compensation Fund charge of 2% and a 3% government levy. The only other charge which may apply is a monthly instalment charge of 7.7% if you choose to pay for your insurance monthly.

Yes, as long as you have the cardholder's permission.

Yes, we can then change your collection date up to 14 days either side of your current due date, up to the 28th of each month. Your instalments will then be collected on the same date every month.

In order for the new instalment date to take effect for your next payment, you must contact us seven days before your instalment is due. To change your instalment date, please contact us here

A paperless mandate is where you give your permission for us to collect instalments from your bank account without the need to physically complete a direct debit mandate form and return it to us. It is used to make the process of setting up a direct debit quicker and easier.

If you wish to set up a direct debit using a bank account which is in the name of the policyholder's spouse, civil partner, parent or child, we can still accept the payments, but we will need the account holder to sign a mandate, which we will send to you.

If you would like to pay an outstanding balance on your policy, please call us to do so. You can contact us here

Fleet

Car, taxi, van or motorcycle

Incidents that may give rise to a claim must be reported to Liberty Insurance immediately. Please contact us here.

Fleet

If you would like to report an incident or make a claims you can do so:

  • If the renewal date of your current Fleet policy is on or before 31 July 2022 please contact Liberty here or
  • if the renewal date of your policy is after 31st July 2022 please contact Ornella Underwriting at claims@ornellaunderwriting.ie or 053 9180333

If you are involved in an incident with a person who is insured with Liberty insurance (and are insured with another insurer yourself), then the incident should be reported directly to our claims department.

Home

If you need to make a claim on you home insurance policy please contact us here

Car, van or motorcycle

  • stop as you are required to by law;
  • check if anyone is hurt and needs medical assistance;
  • do not admit responsibility;
  • exchange details with those involved; and
  • report the claim immediately by contacting our Claims team here

We have appointed claims representatives available abroad who will assist you with your claim. You will find their details on www.dekra-claims-services.com.

 

Fleet

  • stop as you are required to by law;
  • check if anyone is hurt and needs medical assistance;
  • do not admit responsibility;
  • exchange details with those involved; and
  • report the claim immediately by contacting our Claims team:
    • if the renewal date of your current Fleet policy is on or before 31 July 2022 please contact Liberty here or

    • If the renewal date of your policy is after 31st July 2022 please contact Ornella Underwriting at claims@ornellaunderwriting.ie or 053 9180333