FREQUENTLY ASKED QUESTIONS

XS Direct: Managing General Agent & Broker

I thought XS Direct only insured young drivers and those with little or no NCB?

XS Direct is both a managing general agent and a broker. As a managing general agent our unique policy is designed to be attractive for younger drivers and those with little NCB. For these drivers, a lower premium and a higher excess makes sense. As a broker, we quote for all types of drivers and provide the best quote we can from our panel of insurers. In this way, you can be assured you are getting the best for you, from us. You can read more about us here.

Contact

Who do I contact if I have an accident?

Contact the company you are insured with. This may be us, at XS Direct, or one of our panel of insurers. You can find contact details for each one here

How do I know who I am insured with?

Your insurance documents will detail the company you are insured with.

Renewals and Policy Changes

How do I renew?

To renew your policy, Please Call Us on 0818 222 888 or Local Call 01 533 7428

How do I change my policy

The easiest way to change your policy is to call us on 0818 222 888 or Local Call 01 5337428 and we can make the changes for you.

Can I change my policy to include Business use?

To change your policy to include business use, please call us on 0818 222 888 or Local Call 01 5337428.

Can I change my car insurance cover?

The cover your policy provides will reflect the details you have provided us, either online or by phone. To change the type of cover [third party, fire and theft to comprehensive cover, for example] please call us on 0818 222 888 or Local Call 01 5337428.

How do I add Additional Drivers?

To add additional drivers, simply add them at the quote stage or call us and you can add them. If you want to add drivers to an existing policy, call us on 0818 222 888 or Local Call 01 5337428

Accidents and Incidents

Who do I contact if I have a Breakdown?

In the event of a breakdown, please contact your insurer's breakdown provider. You can find their details here.

Does my policy include Windscreen Cover?

Many policies include windscreen cover. In the event of windscreen damage, please contact your insurer directly. You will find their contact details here.

What do I do if someone wants to make a claim against me?

To register a claim, please contact your insurer's claims department as soon as possible. They will guide you through the process.

You can find their details here.

Getting a Quote

I don't have a car yet - can I still get a quote?

Yes, you can get an indicative quote by entering the car make, model and year when getting a quote. But to insure the car, you will need to provide the car registration details.

I have no NCB - can I still get insurance?

Yes, simply get a quote here or call us on 0818 222 888 or Local Call 01 5337428.

What's a no claims discount?

A no claims discount or no claims bonus is a measure of the number of years of insured driving you have, without making a claim. Typically the longer the years of no claims, the more you will be rewarded with a lower premium.

What is third party, fire and theft insurance?

This is the lowest cover you can get. It means that if you have an accident, the third party [the other driver] will be covered by your policy. 

What is Comprehensive Cover?

Comprehensive car insurance not just damage to third parties and vehicles, but also to your own vehicle. It would typically cover fire, theft and damage to your vehicle and third parties also.