1. Personal Effects and Clothing
We will pay you (or the owner of the property) for loss or damage to personal effects (e.g. rugs, sporting equipment and clothing) which are in or on your car if they are damaged by fire, theft (or attempted theft) or by accidental means, provided that:
Our total liability will be limited to €775 in respect of any one incident.
Payment to any person other than you will be paid direct to that person who will observe, fulfil and be subject to the terms, conditions, exceptions and general exceptions of your policy in so far as they can apply.
At the time of loss or damage, you are not being paid for carrying passengers in your car.
2. Driving other Cars
We will insure you as outlined in section 1 while you are driving another private car under the following conditions:
1. The car must not belong to you, your spouse/ partner or your employer.
2. The car must not be hired or leased to you or your employer under a hire purchase, rental or leasing agreement.
3. The car must not be the property of, or in the custody or control of a motor trade business which you are a director, member or employee.
4. The car must be a private passenger vehicle. This policy does not insure you to drive:
• vans or car-vans
• commercial vehicles such as vans or jeeps with no seats in the back
• vans adapted to carry passengers except in the case of vehicles professionally modified for drivers or passengers with a disability
• cars registered outside the Republic of Ireland
• cars with more than nine seats (including the driver).
5. The car must have a valid NCT certificate and comply with road traffic legislation.
6. You must have the owner’s permission to drive the car and you must not use or have used it for more than 30 days.
7. Your car must not have been sold or disposed of.
8. Your car must not have been declared a vehicle write-off.
9. The other car you are driving must be insured under another policy of insurance.
3. Windscreen breakage
We will pay for breakage or repair of glass in the windscreen, windows and roof of your car (excluding panoramic roof glass) including any scratching of the bodywork, as long as they are a direct result of that breakage. Any claims not processed through our Aligned Windscreen Repair network are limited to an amount of €425.
An excess will not apply to a claim payment for windscreen damage and it will not have an effect on your No Claim Bonus.
4. Personal Accident
If selected, Personal Accident covers the driver and occupants who suffer bodily injury by accidental means whilst driving.
If the injury results in any of the following conditions the amounts stated below will be paid to the injured party *see table below
Our standard motor excess is €300. However, this may vary depending on the type of loss or type of policy. Please refer to your schedule of insurance, policy document, or contact us directly if you wish to query this amount.
