Every car insurance policy has an excess. It means that drivers pay the first portion of any claim. It is an all sections excess per event.

Think of it this way. You’ve got a definite saving. The Excess one comes into play if you are unfortunate enough to have a claim. And in that case, the Excess should be compared with the real cost of a claim with another insurance company. We use a simple rule of thumb, losing your full bonus with another company costs up to three times your premium.

Yes. Every year of safe, claims free driving with XS Direct gives you a year of No Claims Bonus. After which we can issue you with a Certificate (should you decide to leave us). In practice, we find Drivers benefit from 2-3 years of claim free driving with XS Direct before approaching the traditional Insurance companies for a quote – remember the companies that wouldn’t quote you affordable insurance when we did!

On renewal, XS Direct issues a letter detailing Years of Claims Free Driving. This is accepted by all car insurance companies in Ireland.

Yes. The premium we quote you in year one is the premium we will quote you in 2 years, even if you make a claim; as long as you meet all the standard conditions. For example, if you have no significant driving convictions.

Premium won't increase in the event of a claim but may increase if market prices increase.

Yes, windscreen cover is available as an option at €40.

No. We takes the view that a high excess is sufficient incentive for people to improve their driving behaviour and to protect their car – which includes off-street parking, immobilisers and any other safety measures you can take.

XS Direct is a fully comprehensive policy covering all possible large claims. Your car, as well as third parties, are covered in the event of an accident. It allows for social and limited business use, named drivers, temporary substitutions, driving other cars and driving abroad (3rd party).

We have comprehensive security measures to protect against the loss, misuse, and alteration of data on our system. Information submitted to brokers is only available to employees managing this information for purposes of quotations. We never sell or rent individual personal information. We have this privacy policy to demonstrate our firm’s commitment to your privacy and the protection of your information.

If you look at the statistics for drivers aged over 25, only 1 in 20 drivers is unfortunate enough to have to make a claim costing over €1000.

Yes, but every driver on the road does that anyway rather than losing their bonus. All we’ve done is make everything transparent and allow drivers that get penalised heavily by the bonus system by other Insurance Companies, start with us with a clean slate.

We guarantee we don’t put your premium up if you claim. That’s a guarantee a lot of other insurance companies don’t give when you read the small print, even with their bonus protection products.

We do not load for claims in any circumstance because we want our products to be fully transparent. Many other insurance companies have special loadings if they dislike the number of claims made by a policyholder or the particular events surrounding a claim. These loadings can even be applied to clients that have spent money on bonus protection.

Past, present or future claims have absolutely no impact on our premium pricing. Unlike most car insurance companies in Ireland we accept drivers with outstanding claims up to any amount.

No, we leave that up to customers. However, you must provide a written estimate for us to approve before any repairs can begin. We also encourage customers to haggle with their garage; as our product has a High Excess, if might end up saving YOU money.

We believe it is relevant for anyone with a Nil No Claims Bonus. In our experience, its particularly good value for (i) Drivers over 25 years of age, currently paying high premiums because they only have a zero, one or two or Year Bonus, (ii) Drivers of High Performance Vehicles (iii) Drivers on their first policy – because they are leaving a fleet policy, coming back from abroad or insuring a second car. These drivers are often penalised by the traditional Insurance Companies because who rely on the “bonus system”. Not us we are different. We believe everyone deserves a fair go.

Yes. Simply get a quote for each person you want on the policy and the premium will be the highest amount quoted.

We will consider non-EU licences on referral, so call us or talk to your broker.

We accept full and provisional Irish licences and full Licences from the EU, USA, Australia, South Africa, New Zealand, Japan & Canada, at no additional loading.

We exclude drivers with convictions for driving while intoxicated, dangerous driving or driving without insurance. We will consider insuring drivers with minor offences.

We insure drivers from 21 and over. We have a specific product for 17 - 21 year olds called Pumpkin. Click here for more information.

Yes, because we have a high excess, drivers with cars under €5,000 in value or cars over 10 years old less than €10,000 in value are not suitable for this type of policy. We would recommend a Third Party Fire & Theft policy for cars of that value. So you will need to contact another Insurance company for that.

No. We have seen no evidence that penalty points indicate a greater risk. In the UK, the experience has been that as drivers get penalty points, they drive more safely. So for the moment our intention is not to load for penalty points.