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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.

Third Party Liability

  • *TPO
  • *TPFT
  • *COMP

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.

Theft

  • *TPO
  • *TPFT
  • *COMP

This provides cover for damage/loss caused to your vehicle as a result of theft or attempted theft. The standard excess of €300, plus any additional voluntary excess you chose, is the first amount of each claim for loss or damage caused by fire, lightning or explosion.

Claims under this section will not affect your no-claims bonus. For further information, please refer to the policy booklet.

Total Loss

  • *TPO
  • *TPFT
  • *COMP

A total loss is where the vehicle is no longer economical to repair, cannot be repaired or has been stolen and not found.

If the vehicle is a total loss we will pay the market value of the vehicle immediately before the loss or damage happened. For further information, please refer to the policy booklet.

Claims Buddy

  • *TPO
  • *TPFT
  • *COMP

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

Monthly payment plan

  • *TPO
  • *TPFT
  • *COMP

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.

Accident recovery

  • *TPO
  • *TPFT
  • *COMP

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.

If the repairs cannot be completed where the vehicle broke down and you are away from home (at least 3 kilometres), we can arrange and pay up to €150 for one of the following:

1. Transport for you and any non-fare paying passengers to your intended destination within the territorial limits.
2. Use of a replacement vehicle for up to 48 hours while repairs are being carried out; or
3. Bed-and-breakfast-only 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.

For the full list of terms and conditions, please refer to the Car Insurance Policy booklet, which can be downloaded below.

* Maximum three call-outs per year.

Fire Brigade charges

  • *TPO
  • *TPFT
  • *COMP

We will pay for local authority charges for putting out a fire in your vehicle or for removing the driver or passengers from the vehicle using cutting equipment, up to a limit of €2,200.

New Car replacement

  • *TPO
  • *TPFT
  • *COMP

If within 12 months of having bought the vehicle as new, it is damaged and the cost of repairs are more than 60% of the manufacturer's list price including taxes, or it is stolen and not recovered, we will replace it with a new vehicle of the same make and model. For further information, please refer to the policy booklet.

Radio/Audio/Navigation

  • *TPO
  • *TPFT
  • *COMP

Cover is provided up to 5% of the current market value of the vehicle before the loss 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.

The policy does not cover the loss of or damage to mobile phones and their accessories or spare parts.

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.