Car Insurance cover detail

Here you can find the details on our flexible Car Insurance Cover

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.
  • 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.
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. This cover is outlined on your certificate of insurance. In this instance you only need to contact us if you require beyond what is outlined on your certificate.
*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.
*Minimum premium of €284 applies.
  • 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.

Read More on Driving Others Car Here


Open driving covers anyone between the age of 30 and 70 to drive your car once they have a 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

Read More on Breakdown Assistance Here

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), 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.


Read More on Windscreen Cover Here

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.

Read More on Personal Effects and Clothing Cover Here

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.

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. 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 €13,000 and is subject
to the provision of adequate evidence in the event of a claim.

Read More on Personal Accident Cover Here

**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
  • 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.
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.
Learn more about our car insurance cover