What is an Excess?

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.

Can XS Direct help me build my years 'No Claims Bonus'?

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!

Do customers get a bonus certificate?

We will give you a certificate of claims free driving detailing the years you were with XS Direct. This is accepted by all car insurers in Ireland.

Is windscreen cover available on my insurance?

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

Will an immobilizer reduce my premium?

No. We take 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.

Is the XS Direct policy comprehensive?

XS Direct is a fully comprehensive policy covering all claims above the Policy Excess of €3,000. 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 cover only).

Do you have a privacy policy?

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.


Do I have to pay for bumps and scrapes myself?

Yes, most drivers on the road pay for their own minor damages rather than losing their no claims bonus. 

Does my XS Direct premium go up if I have a claim?

No. We guarantee not to increase your premium during the term of your policy. 

Do XS direct apply special loadings for claims?

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.

I had a claim last year. Does that affect my XS Direct premium?

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

Are there approved garages for repairs?

Yes, we have an approved garage network. Please call our claims team on 0818 222 888 for further information. If you want to look after repairs yourself, we also encourage customers to haggle with their garage; as our product has a High Excess, if might end up saving YOU money.


Who is this Policy relevant to?

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 (iv) Drivers coming back from abroad or (v) Drivers insuring a second car. These drivers are often penalised by the traditional Insurance Companies who rely on the bonus system. Not us we are different. We believe everyone deserves a fair go.

Do you insure 'named' drivers?

Yes. We allow policyholders to add up to 4 different named drivers on a policy. The named drivers must be between 18 and 70 years old and there are some restrictions for performance vehicles. Please call us on 0818 222 888 for further information on our restrictions.

What type of driving licence does XS Direct accept?

We will consider non-EU licences on referral, so call us on 0818 222 888.

We accept full Irish licences, Irish provisional licence holders and full Licences from the EU, USA, Australia, South Africa, New Zealand, Japan & Canada.

Do convictions affect my XS Direct premium?

We do accept drivers with certain convictions. Please call us on 0818 222 888 to speak directly to our underwriting team for further information.

Do XS Direct insure young drivers?

We insure drivers from 21 and over.

Is there a minimum car value XS Direct will insure?

Yes, the minimum car value that we insure is €3,000.

Do penalty points affect my premium?

Yes, if you received the points within the last five years there will be an adjustment to your premium.