Car insurance cover detail
Here you can find the details on our flexible Car Insurance cover.
Flexible cover to suit you
Our flexible Car Insurance product allows you to build a policy tailored to your needs. Start with basic cover including Third Party Fire and Theft and other benefits, then select the cover you want as you go along including Comprehensive Cover, Breakdown Assistance, Windscreen Cover and more.
Standard Benefits
- Fire and Theft damage to your Car*
- Unlimited personal injury legal liability to Third Parties
- Third Party property damage, legal liability up to a limit of €30,000,000
- Access to our Emergency Service in the event of fire, theft or attempted theft
- The Emergency service is available to all policyholders 24/7 year round in the event of fire, theft or attempted theft
- In the event of an accident the assistance service is available if you have Comprehensive cover
- As part of the service, we will get you home safely, tow your car to one of our approved garages and give you a free replacement car for up to 5 days while yours is being repaired
- If your car is stolen we will give you a replacement car for up to 14 days at no extra cost
We provide free cover for driving within the EU and other countries in Europe. Includes cover for up to 60 days. Please note that our Breakdown Assistance (if you have this cover) is only available while driving in the Republic of Ireland, Northern Ireland and Great Britain.
We will pay up to a maximum of €750 towards the cost of replacing and or recoding of locks, keys or similar devices if they are stolen during a break-in, assault or threat of violence. Please note that we will not pay if the keys are stolen through deception or fraud, stolen by a family member, if the loss is not reported or if the keys are recovered. Please refer to Section 4, Benefit 6 of the Car Insurance Policy Document for full details.
We will pay for charges made by a Fire Authority under the Fire Services Act 1981 to control or put out a fire in your car, or remove the driver or passengers from the car using cutting equipment. We will pay provided the fire gives rise to a valid claim under your policy and the maximum we will pay is €1,000.
We will pay the amount of the un-expired portion of motor tax if you are unable to recover a refund from the Licensing Authority following a statutory write-off (which is insured under your policy) of your car.
This only applies to category A or category B were the vehicle has been written off – for category C & category D the motor tax is included in the pre-accident value, as these vehicles can be sold on and can be put back on the road.
We will replace your car with a new one of the same specification (subject to availability) if, within twelve months of its purchase as new, it is:
- Accidentally damaged to an extent greater than 60% of the manufacturer’s last published list price (inclusive of Value Added Tax).
- Lost by theft and not recovered within 14 days of the loss being reported to us.
Points 1 and 2 above are subject to:
- The car being owned by you or being purchased under a hire purchase agreement but excluding any car which is the subject of a leasing agreement or contract hire agreement.
- The agreement of any interested hire purchase company to the extent of their legal entitlement.
- The car has travelled less than 24,000 in the first 12 months.
We provide cover for private cars up to 2000cc for 7 days, loaned by a garage to the policyholder, whilst his/her own car is being serviced or repaired.
*The Emergency service is available to all policyholders 24/7/365 in the event of fire, theft or attempted theft. In the event of an accident the Emergency service is only available if you have Comprehensive cover.
Optional Extras***
- Accidental Damage and damage caused by vandalism to your Car*
- Fire and Theft Damage to your Car*
- Unlimited personal injury legal liability to Third Parties
- Third Party property damage, legal liability up to a limit of €30,000,000
- Access to our Emergency Service in the event of fire, theft/attempted theft, an accident or vandalism
*Limited to a maximum of your car’s market value at the time of loss or damage.
Enjoy Third Party cover while driving other private cars, giving you the freedom and flexibility you need.
Your legal liability to third parties is covered while you drive any car not belonging to you or your employer, that is not hired or leased under a hire purchase or leasing agreement, or that is not the property of a motor trade business to which you are connected. Please note: fire, theft or accidental damage cover does not apply while you are driving in these circumstances. Cover is limited to use within Ireland and the United Kingdom only. Refer to Endorsement No. 4 of the Car Insurance Policy Document.
Get peace of mind 24 hours a day, 365 days a year. Allianz Breakdown Assistance protects you if your car breaks down due to mechanical or electrical issues like a flat battery, a puncture, a lock-out, or if your car is filled with the wrong fuel or lubricant. Limits and exclusions apply. Please refer to Endorsement No. 13 of the Car Insurance Policy Document and the Breakdown Assistance Insert.
Call 01 613 3990 from within the Republic of Ireland or 00353 1 613 3990 from the UK (call operator charges may vary)
Take the hassle out of getting your damaged windscreen fixed by selecting Windscreen Cover.
Windscreen Cover includes all glass in the car including sunroof (where there is one), mirrors and lights provided the claim is processed through our Aligned Repairer network. Payment is limited to €200 if a non Aligned Repairer is used. Refer to Endorsement No. 3 of the Car Insurance Policy Document.
Everyone values their possessions. We will pay you (or at your request such other person as may be the owner of the property) up to €200 for loss of or damage to personal effects and clothing while in or on your car by fire or theft (attempted theft) or by accidental means. Please note that the car must not have been in use for hire or reward purpose at the time of loss or damage and that certain items are excluded. Please refer to Endorsement No. 6 of the Car Insurance Policy Document.
We will pay for loss of or accidental damage to any trailer, provided it's covered under the policy and the details have been given to us.
Protect your No Claim Bonus entitlement by adding Full No Claim Bonus Protection. With No Claim Bonus Protection from Allianz you may incur one unlimited claim in a 3 year period without affecting your No Claim Bonus entitlement.
In addition, any claim payment for windscreen breakage, fire damage or theft will be paid without impact on your No Claim Bonus entitlement. Available with Comprehensive cover only.
Step-back No Claims Bonus Protection is partial protection of your No Claims Bonus. You can opt to include Step-back No Claims Bonus Protection on your policy.
If you have Step-back No Claims Bonus Protection and make one claim for own damage or accidental damage your No Claims Bonus will be reduced by 3 years. If you have 5 or more years your bonus will be stepped back to 2 years.
Get peace of mind in the event of an accident. Where the driver and occupants of the car suffers injury by accidental means whilst travelling in your car, we will, at your request, pay the injured driver the benefits detailed in Endorsement No. 8 of the Car Insurance Policy Document. Please note that this is limited to a total amount of €13,000 and is subject to the provision of adequate evidence in the event of a claim.
**Available with Comprehensive Cover only.
***Optional Extras provided at an additional cost and a mid-term adjustment fee may apply.
Significant Exclusions
- Standard excess is €250.
- Excess is increased by €125 where the Policyholder holds a Learner Permit/Provisional Licence.
- Additional drivers aged 17-24 all licence types: excess is increased by €200
- Additional drivers aged 25 and over, holding a Learner Permit / Provisional Licence: excess is increased by €125
- Please note that, Excesses will apply in addition to one another
Where accessories, spare parts, audio, telephone, navigational, global positioning equipment or in-car entertainment are other than as provided for in the manufacturer’s specification for your car, We will only pay for the cost of replacing manufacturer’s standard items unless you have notified the change to us and we have agreed to provide cover.
Your car must be missing for 14 days after we have been notified before we will consider it lost by theft.
In the event of a claim for the theft of a car, we will request the keys of the car from the registered owner. Failure to provide the keys may have an impact on any claim you make under this section of the Policy.
Please refer to Sections 2 & 3 of the Car Insurance Policy Document.
Please note: The above information does not reference all of the benefits, terms, conditions, limitations, exceptions and exclusions associated with the Policy. Please take time to read our Car Insurance Policy Document and to ensure that you understand the cover provided.
Get our best price by saving 20% online on a new policy*
*Minimum premium of €284 applies.
