Every year you earn a No Claims Bonus you will receive a discount off your annual insurance premium. The more years No Claims Bonus earned will result in a higher discount off your premium, subject to our maximum.

A No Claims Bonus can only be used on one vehicle at a time.

If you make a claim on your policy your No Claims Bonus could be reduced to nil at your next renewal unless you avail of one of our No Claims Bonus protection options.

There are 2 levels of bonus protection available on an Allianz car insurance policy, Protected No Claims Bonus and Step-back No Claim Bonus Protection.

Read more on No Claims Bonus

Read more on No Claims Bonus if you move abroad

You can opt to include Protected No Claims Bonus with your Allianz car insurance policy. This benefit allows you to have one unlimited third party or accidental damage claim in any 3 year renewal period, without having an impact on the No Claims Bonus you have earned. This means if you have an accident and you claim on your policy it will not affect your No Claims Bonus.

However, if you make a second claim in the same three year renewal period, your No Claims Bonus will be stepped back by 3 years. In the event of a third or subsequent claim in the same consecutive three year renewal period your No Claims Bonus will be reduced to Nil.

Please refer to table below:

Any claim payment for fire, theft, vandalism or windscreen damage will be paid and won't  impact your no claims bonus.

If you make one or more claims under your policy, we can increase premiums or change your policy terms and conditions.

Although you can protect your NCB, your premium may be affected by your claims experience and it may increase. If your premium has been affected by your claims experience any impact to your premium will be outlined on your premium breakdown summary.

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.

Please refer to the table below:

You cannot get step-back protection until you have reached four years NCB. We will not charge you for it until you have reached this point.

Any claim payment for fire, theft, vandalism or windscreen damage will be paid without impact on your NCB entitlement.

Although you can protect your NCB, your premium may be affected by your claims experience and it may increase. If your premium has been affected by your claims experience any impact to your premium will be outlined on your premium breakdown summary.

Following the cancellation of your policy, your No Claims Bonus remains valid for 2 years.

You can only use your No Claims Bonus for one motor policy at any one time.

You will receive your cert & disc within five working days by post . Once your policy is activated we will send you a link to register for MyAllianz. On MyAllianz you will be able to view and download your policy documents. We may request some documents such as a copy of your Proof of No Claims Bonus and any other documents we need to verify your details. You must submit these documents within 30 days to ensure cover remains in place. You can submit documents online here.

• Yes, you can avail of a temporary substitution (usually if your car is in a garage getting repaired) or a permanent substitution (if you are changing your car permanently).
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  You also have automatic cover on any car loaned to you by a garage for up to 7 days while your car is being repaired.
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  If you require cover on a car not loaned to you by a garage or for more than 7 days, please contact us. A charge may apply in this case.
• A permanent substitution may incur a €20 administration charge.

• No, your policy only covers one permanent car at any one time.

There are 2 different types of cover you can choose from: Third Party, Fire and Theft OR Comprehensive. These covers vary in cost and in the level of cover provided; this gives you wider options to choose from.

1. Third Party Fire and Theft

With Third Party Fire and Theft you are covered for any costs incurred for damages in respect of injury to any person, and / or damage to property arising from the use of your car. You are also covered for any loss of or damage to your car and its accessories or spare parts caused by fire, lightning, explosion, theft or attempted theft.

The car is insured for the current market value or the sum insured whichever is the lesser at the time of loss or damage.

With third party fire and theft you are covered for any costs which you may face, for injury to any person and/or any damage to property which your car causes.

You are also covered for any loss or damage caused by fire, lightning, explosion, theft or attempted theft of your car, its accessories or spare parts.

2. Comprehensive

In addition to the cover provided by Third Party, Fire and Theft, with Comprehensive cover you are also covered for loss or damage to your car or damage caused by vandalism, and its accessories and spare parts while in or on the car.

Policy terms and conditions apply.

Read More on Types of Car Insurance Covers Here.

Yes, you are covered to drive in the following countries: Republic of Ireland, Northern Ireland, Great Britain, Isle of Man, and the Channel Islands. Your policy is also automatically extended to cover you to travel to or on the continent of Europe for up to 60 days in any period of insurance allowing you the same cover whilst you are driving your own car.

However, 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.

Driving other cars covers you to drive someone else’s car, but the cover is restricted to third party cover only. The other car cannot be owned by you, your spouse/partner or hired out or leased to you or your spouse/partner, owned by your employer or owned by a motor trade business to which you are connected to. You are only covered while driving other cars within the Island of Ireland. Please refer to your Policy Schedule and Policy document for more details.

Our standard motor excess is €250. 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.

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:

1. 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. 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.

3. 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:

Yes, Third Party Liability cover to tow a trailer/horsebox is automatically included in your policy. Accidental damage cover for trailers can be added as an additional benefit if the cover on your policy is comprehensive.

An excess is the first amount of any loss that you are responsible for in the event of making a claim. This amount is deducted from the total claim settlement figure.

Our standard motor excess is €250. 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.