Car insurance claims

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, or vandalism.
• 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
  

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)

Providing you have selected comprehensive cover, we will arrange to have the repair cost to your vehicle assessed by
a Motor Engineer. Our engineer will discuss repair costs with your appointed garage. If the car is economical to repair
we can authorise repairs with the garage and arrange payment to them directly once cover is ok. If it is not going to be
economical to repair we will write to you and advise you what happens next. (Refer to section below - My car is a
Write Off) When we have settled the claim we will then write to you to advise what payments have been made.

We have a list of Aligned repairers which are available here. The Workmanship is guaranteed for three years and they
will provide a courtesy car to you. Also as they are an Aligned repairer, there is no need to obtain an estimate and we
can authorise repairs quickly.

However if there is a local garage you would prefer to use, let us know their details and we will liaise with them directly.

If your vehicle has been deemed a Write off, the Motor Engineer will obtain a salvage value on your vehicle. This is the
value of your vehicle in its damaged condition. We will contact you as soon as possible with this information and you
should then immediately contact the Salvage agent who wishes to buy your vehicle. We will also request certain
documents relating to the vehicle from you. For example a completed claim form, a photocopy of the Vehicle
Licensing Certificate or details of any Finance Agreement.
 

We will also have our valuation team contact you regarding the Pre Accident Value of the vehicle.
 

Once a value has been agreed and the documents received are ok, we will settle the claim on the basis of the Pre
Accident Value less the Salvage offer and Policy Excess
 

If your vehicle is subject to Finance the finance company will be included on the settlement cheque.
 

Lastly, if there is nothing outstanding on your claim we will issue the payment. All our payments are usually issued
within 5 working days.
 

If there is some reason the payment can not be processed, we will get in touch and discuss this with you.

We will deal with the damage to your car as above, whilst trying to establish who is at fault for the accident. It is very
important for us to have all information you may have to help us do this. Please let us know if you have witness
details, third party details, Gardaí or police details or even photographs you have taken at the time of the accident. If
we consider you at fault for an accident, we will settle any Third Party claims and notify you of the cost.

If we are of the view that you are not at fault, we will attempt to recover our money from the other insurers / person at
fault. We will then write to you or your broker to let you know if we have been successful and the final claim cost. If
you receive any correspondence from the other persons solicitor, just forward it to our office along with your claims
reference and we will deal with it on your behalf. Do not reply. Don’t panic about it. These letters are generic and
although they may appear intimidating we will send an appropriate response on your behalf.

All insurance policies have a policy excess. This is payable if you make a claim for damage to your own car on your
policy, whether or not you are at fault for the accident. However if you are found not to be at fault for the accident we
will try to recover this amount from the other party.

Although we have to wait a defined period as outlined in your policy booklet before we will consider your car stolen,
we can still start to process your claim.

After the policy defined period, if the vehicle is still unrecovered, we have completed our investigations and we have
placed an agreed value on the vehicle and nothing is outstanding we will issue payment.

I reported a claim to you a few days ago. When will I hear from you again?

Depending on the accident, we may not need to contact you. This does not mean we are not dealing with your claim.
If we need any more information we will be in touch.

We understand that having an accident can be traumatic no matter what the circumstances.

If there is any element of your claim you wish to discuss, do not hesitate to contact us.

If you have anything you think may help us with dealing with your claim, you can email to our email address: 
[email protected].

If you have selected windscreen cover as an optional extra 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 entitlement.

This depends on the type of policy you have. If you want to know what impact a claim may have on your No Claims
Bonus, we suggest you contact us in advance so you can make an informed decision.

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.

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 B courtesy vehicle (Toyota Aygo or similar) for 7 days.

If your vehicle is stolen we will provide you with a Class B courtesy vehicle (Toyota Aygo 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.