Car insurance cover detail

• 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. 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.

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:

1. Accidentally damaged to an extent greater than 60% of the manufacturer’s last published list price (inclusive of Value Added Tax)
2. Lost by theft and not recovered within 14 days of the loss being reported to us

Points 1 and 2 above are subject to:

1. 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
2. The agreement of any interested hire purchase company to the extent of their legal entitlement

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.

• 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.