Car Claims - FAQs
1) What are the different types of cover available?
What are the different types of cover available?
Comprehensive:
- Covers the injury of people or their property * driver exclusions apply (refer to policy document below)
- Covers for loss or damage to your car by fire or theft
- Protects you against accidental damage to your car.
Third Party Fire and Theft:
- Covers the injury of people or their property * driver exclusions apply (refer to policy document) below
- Covers for loss or damage to your car by fire or theft
2) What is a policy Excess ?
What is a policy Excess ?
A policy excess is the amount of any loss or damage to your vehicle for which you are responsible. ( To find the amount of your policy excess please see your policy schedule)
3) Is damage to my windscreen covered ?
Is damage to my windscreen covered ?
If you have selected windscreen cover with your policy (please check your policy schedule), We will pay for breakage or repair of glass in the windscreen, windows and roof of Your Car including any scratching of the bodywork directly resulting from such breakage, where the claim is processed through our Aligned Windscreen Repair network.
The amount we will pay is limited to € 200 where the claim is not processed through our Aligned Windscreen Repair network. This is not subject to excess and will not effect your No Claims Bonus discount entitlement.
4) Where is the most convenient Aligned Repairer located ?
Where is the most convenient Aligned Repairer located ?
5) Will this claim affect my No Claims Bonus ?
Will this claim affect my No Claims Bonus?
Policies with Protected No Claims Bonus:
From 1st June 2011: In any consecutive three-year renewal period, where You make a Third Party or Accidental Damage claim, Your No Claim Bonus will be affected as follows:
| Years of NCB at next renewal date if You had: | ||||
|---|---|---|---|---|
| Years of NCB at Your last renewal date | Any Claims in the current Period of Insurance | |||
| If no Claims occur | Which is the only claim in the last three year period | Which is the second claim in the three year period | Which is the third or any subsequent claim in the three year period | |
| Nil | 1 | Nil | Nil | Nil |
| 1 | 2 | 1 | Nil | Nil |
| 2 | 3 | 2 | Nil | Nil |
| 3 | 4 | 3 | Nil | Nil |
| 4 | 5 | 4 | 1 | Nil |
| 5 or more | 5 | 5 | 2 | Nil |
In addition, any claim payment for Windscreen Breakage, Fire or Theft will be paid without impact on Your No Claim Discount entitlement.
Policies with Step-Back Bonus Protection:
As a result of any one claim Your No Claim Bonus will be reduced by 3 years, as follows:
| Years of NCB at Your last renewal date | Years of NCB at next renewal date if You have had: | |
|---|---|---|
| One claim | Two or more claims | |
| 1-3 | Nil | Nil |
| 4 | 1 | Nil |
| 5 or more | 2 | Nil |
If You make a claim the Step-back protection will not apply until You have reached 4 years No Claim Bonus and We will not charge You until You have reached this point.
6) Am I covered to drive my car in Europe ?
Am I covered to drive my car in Europe ?
Yes, we will subject to the terms, conditions and exceptions and endorsements of this policy provide insurance for death, injury, loss or damage as expressed in the policy, schedule or certificate of motor insurance happening during this period of insurance anywhere in the Republic of Ireland, Northern Ireland, Great Britain, The Isle of man, The Channel Islands or on the Continent of Europe. The insurance also operates during the course of sea transit (including loading and unloading) between ports within the territories named.
7) Am I entitled to a courtesy car?
Am I entitled to a courtesy car in the event of an accident or theft of my vehicle ?
Yes, in the event of an accident if you choose to have your vehicle repaired in one of our Aligned Repairers you will be provided with a Class A courtesy car (Ford Ka or similar) for up to 5 Days.
If your vehicle is stolen we will provide you with a Class A courtesy car (Ford Ka or similar) for up to 14 days.
Please note that the car hire company may require some form of security before providing you with the courtesy car.
