Here you can find the details on our flexible Car Insurance Cover
Car Insurance cover detail
Explore our cover options
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 upto a limit of €30,000,000
- Access to our Emergency Service in the event of fire, theft or attempted theft
*Limited to a maximum of your car’s market value at the time of loss or damage.
- 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 7 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.
The max payment to replace and or recode locks, keys or similar devices is €1,525 if they are stolen during a break-in, assault or threat of violence. We can't pay if stolen keys aren't reported to an Garda Síochána. Please refer to Section 4, Benefit 6 of the Car Insurance Policy Document for full details.
If there is a valid claim on your policy, we will pay for charges under the Fire Services Act 1981 where a fire brigade unit attend the scene of an accident. The most we will pay for fire brigade charges is €2,025.
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 will provide cover for a car that is loaned to you by a garage while your car is being serviced or repaired for up to 7 days. You do not need to let us know, this cover automatically transfers and is outlined on your certificate of insurance. Please contact us if you need cover to be extended beyond the 7 day period either online through MyAllianz or by calling the call centre on 014 48 48 48.
Terms, conditions, and exclusions may apply, so please read your policy documentation in full.
*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.
accident the Emergency service is only available if you have Comprehensive cover.
Get our best price by saving 15% online on a new policy*
*Minimum premium of €284 applies.
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.
While driving another car, if you cause injury to any person or damage any third party property, your legal liability is covered as long as the other car does not belong to you, your spouse/partner 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 that you are connected to. Fire, theft or accidental damage cover doesn't apply while you are driving another car like this. Cover is limited to use within the islan of Ireland only. Refer to Endorsement No. 4 of the Car Insurance Policy Document for more information. For policies renewed or taken out before 01/07/2025 a car owned by your spouse/partner is not excluded and use is restrcited to Republic of Ireland and United Kingdom only.
Open driving covers anyone between the age of 30 and 70 to drive your car once they have a full clean driving licence, this means they can have up to six penalty points with no more than two offences.
Get peace of mind 24 hours a day, 365 days a year. Allianz Breakdown Assistance protects you if you're involed in an accident, if you car breaks down due to mechanical or electrical issues like a flat battery, a puncture, keys broken in locks/locked in your car, if your car is filled with the wrong fuel or lubricant, your car runs out of fuel or if your electric car runs out of battery. 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 (excluding panoramic roof glass), provided the claim is processed through our aligned repairer network. Payment is limited to €425 if a non aligned repairer is used.
Refer to Endorsement No. 3 of the car insurance policy document for more information. For policies renewed or taken out before 01/07/2025 panoramic roof glass is not excluded.
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 €775 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. You are automatically covered to tow a trailer with third party cover, as long as you and your vehicle are in compliance with Road Traffic legislation.
been given to us. You are automatically covered to tow a trailer with third party cover, as long as you and your vehicle are in compliance with Road Traffic legislation.
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 , vandalism or theft will be paid without impact to your no claims bonus. Available with Comprehensive cover only. Please refer to Endorsement No. 5 of the car insurance policy document.
Read More on Full No Claim Bonus Protection Here
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. Refer to Endorsement No. 12 of the car insurance policy document.
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 €15,000 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.
***Optional Extras provided at an additional cost and a mid-term adjustment fee may apply.
Significant Exclusions
- Standard excess is €300.
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.
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.
associated with the Policy. Please take time to read our car insurance policy document and to ensure that you understand the cover provided.
