Commercial Motor (Own Goods)

Key Benefits/Features

• No Claims Discount Scale 10%, 20%, 30%, 40%, 50%.
• Windscreen cover automatic on Comprehensive policies at NIL excess and no effect on No Claims Discount. Insured and Spouse premium reductions available.
• Mirrored/Introductory No Claims Discount available.

Summary of Cover

• Legal liability to other persons for personal injury and damage to property in certain defined circumstances.
• Loss or damage to insured vehicle caused by fire/theft or attempted theft.
• Repair to insured vehicle following accidental damage.

N.B. For full details refer to company documentation - Proposal Form, Policy Rating and Underwriting Guides.

Cover - Automatic

• Third Party Personal Injuries - unlimited
• Third Party Damage - €1 million
• Passenger Liability - passengers seated on fixed or folding seats
• Passenger Negligence
• EU and associated countries requirements
• Trailer cover - one attached trailer
• Reasonable cost of removal / protection / return of damaged vehicle

Cover - Optional

• Protected NCD

Principal Exclusions

• Excess AD and FT - €125
• Drivers under 25 years or any driver holding a Provisional licence do not qualify for Comprehensive Cover
• Wear and tear, mechanical, electrical, electronic breakdown or failure contractual liability
• Underwheel damage
• Use for Hire and Reward