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 claims free driving. 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 claims free driving with XS Direct before approaching the traditional insurance companies for a quote.
Do customers get a bonus certificate?
We will give you a certificate of claims free driving detailing the years you were with XS Direct or detailing claims throughout the course of the policy. This is accepted by all motor insurers in Ireland.
Is windscreen cover available on my insurance?
Yes, windscreen cover is available as an option at a fee of €40. There is a €50 excess on this cover.
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. 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 and driving abroad (3rd party cover only).