Van insurance frequently asked questions

The easiest way is to ring us on 1890 24 7 365. We will handle everything and try to make things as painless as possible.

Contact us and we will handle everything. Do not reply to any correspondence – instead, pass it on to us.

Yes, but we would only do so if absolutely necessary.

Under the Central Bank of Ireland consumer protection code, we can only communicate with the policyholder for the duration of any claim. If, for any reason, you wish to nominate a representative, under the code you must give us your written permission to deal with that representative. This must be submitted as a letter or an email.

• Claims Contact Permission Slip

Please contact us on 1890 24 7 365 if you have any queries.

We will give you the market value of your van (less the policy excess).

You must tell us and the Gardai. As long as you have theft cover, we will give you the market value of your van if it is not recovered.

If you have comprehensive or third party fire & theft car insurance cover and your car was bought new, is less than 12 months old and the cost of repairs is more than 60% of the replacement cost, we will pay for a new identical model.

• The following claims will not affect your no claims discount;
• Fire and theft claims where the Premier package has been purchased
• Glass breakage
• Emergency treatment

No. Loss or damage caused by theft or attempted theft if the keys (or keyless entry system) are left unsecured or left in or on an unattended car is not covered.

If your van breaks down or just won’t start, one phone call to our Motor Breakdown Assistance centre will put things right. We’ll send a trained recovery technician to help you. If things can’t be fixed on the spot, we will tow your van to your home or aa local garage (whichever is nearer) and, if needs be, help you to complete your journey.

If you have bought Motor Breakdown Assistance, we can help you. We will pay for one hours labour to get into your vehicle.

If you claim for accidental damage to your van, you have to pay the first portion of any claim. The amount you pay is called an excess. Please check your policy schedule to find out the amount of your excess.

You will not have to pay an excess if the loss or damage is caused by fire, theft or attempted theft. You will have to pay the excess shown on your policy schedule for any other type of claim covered under this section. The excess amount applying to your policy will be shown in your schedule.

If you do not claim during the current period of insurance, we will give you a discount from your premium according to the table shown below. We will not discount any premiums for any optional extra cover. We will give you this discount for each claim-free year up to the maximum entitlement.

Number of claims-free driving / Percentage discount allowed:

• 0 years / 0%
• 1 year / 20%
• 2 years / 30%
• 3 years / 40%
• 4 or more / 50%

You can pay an extra premium to protect your no-claims discount. This cover allows you to make one claim without reducing your no-claim discount.

Comprehensive

• Damage by fire or theft.(fire and theft claims will not reduce your no claims discount under the Premier package only)
• We will also pay any claims or expenses arising from legal action brought against you following a road accident. There is no limit on the amount of personal injury claim settlements we pay on your behalf. If you damage someone else’s property, there is a limit of €5 million.
• Accidental damage caused by you or others
• Malicious damage or vandalism
• Windscreen repair or replacement cover
• Car stereo cover

Third Party, Fire and Theft

• Damage by fire or theft.(fire and theft claims will not reduce your no claims discount under the Premier package)
• We will also pay any claims or expenses arising from legal action brought against you following a road accident. There is no limit on the amount of personal injury claim settlements we pay on your behalf. If you damage someone else’s property, there is a limit of €5 million.

Not included as standard on van, must be purchased as an optional extra.

Yes, but conditions or limits may apply. Please contact us on 1890 273 372 to find out more.

If your car or your spouse's/partner's car is insured with AXA you get 30% off our van insurance price or 20% off if it's insured with another motor insurer. Click here to find out more about our Bundle & Save offer!

Unspecified Third Party trailer cover is automatically included on the Vanfirst policy. This cover is only provided, if the Insured is meeting the licencing requirements and towing law requirements needed to tow a trailer.

Third party trailer cover operates when the trailer is attached, or detached provided it at all times remains in the policyholder’s care, custody and control.

Yes - We will not be liable for any injury, loss or damage while your vehicle is being used for any purpose not covered by the certificate of motor insurance.

Yes our tradesman insurance policy offers cover for personal accident, legal liability and plant and tools in one handy package.

Legal liability

• €1.3M for public liability claims (this can be increased on request)
• €13M for employer liability claims

Personal Accident

• €2000 benefit for death, serious injury or permanent disablement
• Up to €500 per week for temporary disablement (after one month) optional

Plant, tools & equipment

• Contract works up to €500,000
• Construction plant & equipment up to €25,000
• Hired-in plant & equipment up to €50,000

Our Small Business Insurance policy for your shop, office or surgery provides cover for

• Your assets
• Your earnings
• Your legal liabilities

Your policy will run for 12 months from the date and time shown in the schedule. If we agree to provide cover for less than 12 months, the schedule will show when your policy ends.

If you are unhappy with your new policy, you can cancel within 14 days by giving notice in writing and returning the certificate of insurance to us. We will work out the premium for the period we have been insuring you on a pro rata basis plus an administration charge and refund the balance providing no claims have been made on your policy. You will be charged a pro rata premium or €35 whichever is more for the period you were on risk and this will be deducted from the full premium paid to determine the refund due to you.

If you cancel at any other time during the first year of insurance, we will work out the premium after an administration fee has been taken away for the period you were insured based on our short period rates as see in the policy summary. If you have made a claim or there has been an incident likely to give rise to a claim, we will not give any refund. The premium does not include the charge for motor rescue or the premium for injury to driver cover and we will not provide a refund for these optional items when you cancel your policy.

In the second and any future years, once you return the certificate and disc of insurance and you have not claimed or there is no incident that is likely to result in a claim during the current period of insurance, we will return the premium after an administration fee has been taken away for the period of insurance still left to run.

The premium does not include the charge for Car and Key Rescue or the premium for injury to driver cover and we will not provide a refund for these optional items when you cancel your policy.

If we have to cancel your policy, we will send you 10 days' notice by registered letter to your last known address. As long as you return the certificate and disc of insurance to us, we will return the premium for the period of insurance still left to run.

Although you may be able to protect your no-claims discount, your premium may increase if you make claims or you receive motoring convictions.

Both you and we can choose the law within the European Union which applies to the contract. We propose that the law of the Republic of Ireland will apply. The language used in this policy and in communications relating to it will be English.

As with all insurance contracts, certain terms and conditions will apply. We will be happy to discuss your insurance needs either by phone or at your local branch.

The easiest way is to read your certificate of insurance. Paragraph Six will clearly explain who can drive. Other drivers will be named or described.

You are not covered for wear and tear, routine mechanical faults, loss in value, punctures or tyre damage and parking, speeding fines and so on.

Contact us online, phone us at 1890 24 7 365 or drop into one of our 42 branches across Ireland.

After you receive a quote online we will send you an email detailing your price and the cover selected. If you have provided a telephone number one of our dedicated commercial customer service teams will call you to discuss your quote. If you would like to discuss your quote you can call us straight away on 1890 273 372.

We will send you by post a cover letter confirming receipt of payment and cover is in force. This will also give full details of your cover and outline and further documents such as your prof of bonus or driving license that you will need to forward to us.

To ensure that you receive e mails from AXA.ie you may need to review your email settings for spam blockers. We have compiled some guidance on how to do this for the major commercial UK email providers. Please follow the instructions below:

If you have a separate spam-filtering software program installed on your computer then you will need to add AXA.ie to any filters or whitelists which are specified within your particular program.

Gmail

• Click on the ‘Settings’ link in the top right hand corner of the page
• Click on ‘Filters’ and then on ‘Create a new filter’
• Type in @AXA.ie in the ‘from’ text box and click ‘Next Step’.
• Select ‘Never send it to spam’ and click ‘Create filter’.

Yahoo Mail / BT Internet

• Open your Yahoo! / BT Internet Mailbox
• Click on ‘Options’ (on the top right hand side of the screen)
• Click on ‘Filters’
• Click on ‘Add’. From here enter AXA as the name for the filter. In the ‘From Header’ make sure ‘this contains’ is selected on the drop down menu. Click on the text box next to this and enter @AXA.ie.
• At the bottom of the screen you will be given the option: ‘Move the Message to’. Select ‘Inbox’ from the drop down menu and then click ‘Add Filter’.

Hotmail

• Open your Hotmail account
• Click on the ‘Options’ link in the top right hand corner of the page
• Click on ‘Contacts’ and then on ‘Safe List’
• Type in @AXA.ie in the available text box and click ‘Add’.

AOL

• Open your AOL email account
• Click on ‘Settings’
• Click on ‘Spam Controls’
• Click on ‘Control from whom I get Email’ link under Additional Spam Filters
• Click on ‘Custom sender list’
• Type @AXA.ie in the available text box and click Add
• Click on ‘Save’ on the following two pages

NTL

Unfortunately it is not possible to override NTL’s automatic spam filtering mechanism. The best option we can suggest is to set up a spam folder and review its contents regularly. This would be done as follows:

• Open your NTL email account
• Click on the ‘Options’ link on the left of the page
• Click on ‘Spam’
• Click on ‘Send to Webmail Spam folder for 7 days’ and click ‘OK’

This will send any suspected spam into the folder called ‘Spam’. You should then regularly check this folder to see if AXA.ie has been wrongly identified as spam. If it has then put a tick against AXA.ie and click on the ‘Move to Folder’ drop down list and select ‘Inbox’.

If you are not happy with the service we give you, contact your branch. If you are still unhappy, contact our customer care team on 1890 24 7 365