Our policy is a comprehensive policy for social, domestic and pleasure driving and for journeys between home and your permanent place of work .
The standard excess is €3,000. This excess applies to the entire policy including the third party damage and injury section.
Policyholders must be aged between 21 and 70
We accept full and provisional Irish licences, full UK licences and full licences from the EU, Canada, USA, Australia, New Zealand, South Africa and Japan.
Our policy allows for 4 named drivers per policy.
We do not offer cover for drivers with convictions within the last five years, from the date of conviction, for dangerous driving, driving without insurance and driving while intoxicated and some others. Or convictions that result in a driving ban of over 18 months.
Vehicle exclusions we don't cover
Kit built vehicles.
Vehicles that have been modified.
Some performance vehicles for drivers under 25 years of age.
Car Value. There is a minimum car value of €3,000 and a maximum value of €100,000.
For drivers under 25, the maximum car value that we will cover is €50,000.
We will pay up to €400 for damage to the insured vehicles windscreen or windows in any one period of Insurance if it is replaced or repaired by our approved suppliers, and 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.
You must state your full occupation. Full 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.
We do not quote for the following usage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
- Vehicle used in connection with the motortrade
The policyholder must be a permanent resident in Ireland.
The territory covers the Republic of Ireland and the UK, including Northern Ireland and the Isle of Man. Minimum cover applies to driving in any EU Member State, plus Andorra, Croatia, Faroe Islands, Gibraltar, Monaco, Norway, Iceland, Liechtenstein, San Marino and Switzerland. To upgrade to comprehensive cover in Europe there is an additional fee of €100 per week or part thereof.