Any extra cover you have bought will be shown on your proposal form, proposal declaration or on your car insurance policy schedule.
Protecting your no-claims discount
If you buy no-claims discount protection, you can make one claim without losing your no-claims discount.
To qualify, you must be earning the maximum no-claims discount and you must not have made a claim for the past three years.
Motor Rescue
24 hour breakdown assistance. If your car will not start on the road or in your driveway we will send help.
If we cannot get you going, we will tow your car to safety and get you to your destination if needs be.
Depreciation cover (available by Summer 2009)
This will pay you the difference between the price you paid for a car and the market value you would receive
in an insurance claim if your car was stolen or damaged beyond repair at some time in the future.
The maximum we will pay under “Depreciation cover” is €15,000.
Legal expenses
If you are the victim of a miscarriage of justice or an uninsured driver, legal expenses cover will enable you to pursue damages.
Replacement Car Plus
Just because your car is out of action, doesn’t mean that you need be.
If your car is out of use due to loss or damage by accident fire or theft, our standard cover will provide a replacement car (usually an economy class 1 litre car) for 7 days.
But with Replacement Car Plus you can extend this for another 14 days, or we will pay towards you hiring a larger car if this suits you better (up to €25 a day including VAT)
Injury to Driver Cover
The cover includes a benefit of €10,000 if you or a named driver are seriously injured in a road accident
and a €30,000 death benefit if you or any driver named on the policy is killed as a result of a motor
accident involving your car. It also includes hospital and temporary disability benefits for you.
A claim under any of these optional benefits will not affect your no-claim discount.
Glass Breakage
We will cover the cost or replacing or repairing broken or damaged windscreens, windows or glass in the sunroof
of your car, and scratches to the bodywork caused by the glass breaking.
This cover is included as standard for comprehensive cover, as shown in your schedule, and available at an additional cost
for third party fire & theft and third party only cover.
Voluntary Excess
Where a voluntary excess is chosen by you the following excesses will apply in
addition to the standard car insurance policy excess shown on your schedule and your
premium will be adjusted accordingly.
Table of Voluntary Excesses:
€500 excess - 8% reduction in premium
€350 excess - 5% reduction in premium
€250 excess - standard policy excess
€150 excess - 10% increase in premium
View Full Policy Document
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