Policy Cover

Our policy is a comprehensive policy for social, domestic and pleasure driving and for journeys between home and your permanent place of work.

Total Excess

The standard excess is €3,000. This excess applies to the entire policy including the third party damage and injury.

Age

Policyholders must be aged 21 or over. Named drivers must be aged 18 or over. However, if you are aged 17 to 21 and living in Dublin, our Pumpkin policy may suit you. See Pumpkin section for Terms and Conditions.

Licences Accepted

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.

Driving Experience

Drivers without driving experience will incur a loading unless you have:

• 1 years no claims bonus from another insurance company
• 1 years driving experience as named driver
• A full licence
• Previously held insurance

Named Drivers

Our policy allows for 4 named drivers per policy.

Convictions

We exclude convictions within the last five years, from the date of conviction, for dangerous driving, driving without insurance and driving while intoxicated.

Vehicle Exclusions We don’t cover

• Kit built vehicles
• Vehicles that have been modified to improve performance
• Some performance vehicles for drivers under 25

Car Value

There is a minimum car value of €5,000 [There is no maximum car value]. Cars worth more than €150,000 must have a tracker fitted.

Car Age

Cars over 10 years old must have a value greater than €10,000.

Driving Other Cars

Third party only cover for policyholders over 25 with a full licence is included in respect of any private car not owned, hired or leased to the insured person. This cover to drive other cars is only available for Ireland and the UK.

Windscreen Cover

We will pay up to €400 for damage to the insured vehicle’s windscreen or windows in any one period of Insurance if it is replaced or repaired by our approved suppliers – up to €250 in any one period of Insurance if any other supplier carries out the repair or replacement.

The policy does not cover:

• The first €50 of any claim
• Damaged sunroofs, roof panels, lights or reflectors (even if they are made of glass)
• Extra costs for the work undertaken outside normal hours, unless the windscreen is shattered, or the driver’s vision or the security of the Insured Vehicle is affected
• VAT if you are registered.

Occupations

You must state your full occupation. Both full and part-time occupations must be declared; vague answers e.g. manager, director, clerk etc. are not sufficient. We will not consider certain occupations which are listed on the quotation systems. Business mileage done on behalf of an employer or company must be declared.

Usage Exclusions

We do not quote for the following usage

• Vehicles used for hire or reward
• Vehicles used for haulage
• Vehicles used airside in an airport
• Vehicles used for racing, rally or speed trials
• Vehicles used for law enforcement or security duties
• Vehicles used for emergency services

Residency policyholders must be resident in the Republic of Ireland.

Territory

The territory covers the Republic of Ireland and the UK, including Northern Ireland and the Isle of Man. Minimum cover applies to driving in Europe, to upgrade to fully comp in Europe there is an additional fee per week of €100

Pumpkin, the policy for drivers between 17 and 21.

With Pumpkin, your premium is much lower because you avoid driving at the more dangerous times [between 10pm and 6am on Friday and Saturday nights]. Here’s how it works:

Your driving is tracked using a small, hidden device*. You can drive wherever and whenever you want during these times. We don’t track driving patterns or locations. As long as you drive during these times, there are no surcharges.

However, if you decide to drive on Friday or Saturday nights, you can do so and you will be covered, but a €25 charge will apply.

*Tracker is posted to you to install. The cost of the device it is included in the policy and there are no set up charges.