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.
|Benefit||Basic Cover||Optional Extra^|
|Third Party, Fire & Theft|
1Limited to a maximum of your car’s market value at the time of loss or damage.
|24 Hour Emergency Service*|
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.
|New Car Replacement|
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:
Points a and b above are subject to:
|Free Temporary Car Substitution|
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.
|Replacement Locks & Keys|
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.
|Fire Brigade Charges|
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.
1Limited to a maximum of your car’s market value at the time of loss or damage.
|Driving Other Cars|
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) but excluding, panoramic roof glass, 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.
|Personal Accident Cover|
Get peace of mind in the event of an accident. Where the driver 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 €12,700 and is subject to the provision of adequate evidence in the event of a claim.
|Personal Effects & Clothing|
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.
|Full No Claim Bonus Protection**|
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 Bonus Protection**|
Protect your No Claim Bonus entitlement by adding Step-Back Bonus Protection. By choosing this feature, you can make one claim in a four year period knowing that your discount is protected.
If You make a claim the Step-Back Bonus 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.
*The Emergency service is available to all policyholders 24/7/365 in the event of fire, vandalism, theft or attempted theft. In the event of an accident the Emergency service is available if you have Comprehensive cover.
**Available with Comprehensive Cover only.
^Optional Extras provided at an additional cost and a mid-term adjustment fee may apply.
- 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
- Fire Theft and Accidental Damage
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.
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Please note: Minimum premium of €284 applies. The premium reduction does not apply to the personal accident, personal effects, windscreen cover or breakdown assistance options.
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