Frequently asked questions about car insurance

I don’t have a car registration. Can I still get a quote?

  • Yes you can still get a quote by selecting the vehicle make and model and this will produce an indicative price.


    However, it is only when we have a registration number that we will be able to provide you with an accurate quote.


    This quote will be based on an agreed set of assumptions.

I haven’t bought the car yet? Can I still get a quote?

  • Yes, you can still get a quote. However, it is only when you complete the purchase that you can insure the car in your own name.

I hold a provisional licence / learner permit. Am I allowed to drive on my own?

  • Unfortunately no, by law you are not allowed to drive on your own if you hold a provisional Irish licence or learner permit.


    For your own safety you must always be accompanied by a fully licenced driver, who has held their full licence for a minimum of 2 years.

I have no previous insurance. Can I still get a quote online?

  • Yes. At AXA we offer online quotes for customers who have no previous insurance. Click here to get a quote and select "No previous insurance" to the question “What is your most recent insurance?”

I am thinking about buying a second car, will I be able to use my no claims discount again?

  • Unfortunately you cannot use your no claims discount twice. You can only use your no claims discount on one vehicle at any one time. However, you will be able to start earning another no claim discount if you take out a policy on a second car.

What is no claims discount?

  • Your no claims discount, or 'bonus' as it is often called, is the amount of years you have held an insurance policy and not claimed on it. Based on the number of years you have been claims free your insurer will reduce your premium.


    Terms and conditions apply.

What is named driving experience?

  • Named driving experience works on the similar basis as no claims discount. If you are named as a driver on someone else’s policy you will earn a discount for your claims free years on that policy.


    Please contact your insurance company to confirm your named driving experience entitlement.


    Terms and conditions apply.

I don’t know when my current policy expires.

  • Your policy expiration date / renewal date will be detailed on your renewal notice from your current insurer. You can also find the expiry date of your existing policy on your insurance disc on the windscreen of your car.


    If you have not got this to hand, you can contact your current insurer directly.

What is third party only cover?

  • It is a legal requirement to have at least third party only car insurance in Ireland. This is to ensure that third parties involved in an incident are protected.


    So, for example, if you were to crash into another car (the third party) and the accident was deemed to be your fault, then your liability to the driver of the other car would be covered, although you would not be able to claim for damage to your own car.


    Your schedule will show the level of cover on your policy. You can access this document in your MyAXA account.


    Alternatively, you can contact us on 1890 24 7 365 or visit one of our branches.

What is open driving?

  • Open driving covers any driver aged 25-70 with a full Irish, UK or EU licence while driving your car with your permission.


    With open driving there is no need to add named drivers to your policy. Open driving is an optional extra and an additional charge will apply if you want to buy this cover. Terms and conditions apply.


    Your schedule will show if you have this cover. You can access this document in your MyAXA account.


    Alternatively, you can contact us on 1890 24 7 365 or visit one of our branches.

What is driving other cars?

  • Driving other cars is a policy extension which lets you drive somebody else's car, that is not owned by you, hired or leased to you or a company car. This cover only applies to the policyholder not to the named drivers. Driving of other cars* is an optional cover and additional charges may apply.


    You can access this document in your MyAXA account.


    Alternatively, you can contact us on 1890 24 7 365 or visit one of our branches.


    * Terms and conditions apply, please refer to your policy document for more information.

What is no claims discount protection?

  • No claims discount protection is one of the benefits that you can add to your car or van insurance policy. With this cover if you make one claim in the insurance year your no claims bonus will not be affected. To add this cover you must have earned at least 5 years no claims discount. NCD protection* is an optional cover and an additional charge will apply if you want to buy this cover.


    You can access this document in your MyAXA account.


    Alternatively, you can contact us on 1890 24 7 365 or visit one of our branches.


    * Terms and conditions apply, please refer to your policy document for more information.

What is third party, fire & theft cover?

  • Third party, fire & theft cover means we will pay for loss or damage to your car caused by fire or theft. It also provides third party injury and third party property damage.


    It is important to note that there are exclusions to third party, fire & theft cover. You may find information on third party, fire and theft under "Car Insurance" in our policy documents section


    Your schedule and certificate will show the level of cover on your policy. You can access this document in your MyAXA account.


    Alternatively, you can contact us on 1890 24 7 365 or visit one of our branches.

What is comprehensive cover?

  • By taking out comprehensive cover, you are not only covered for third party claims after an incident, you are also covered for damage caused to your own vehicle. You may find further information in the "Car Insurance" section of our policy documents section.


    Your schedule will show the level of cover on your policy. You can access this document in your MyAXA account.


    Alternatively, you can contact us on 1890 24 7 365 or visit one of our branches.

What is motor rescue?

  • Motor rescue will cover you when your car breaks down. We will arrange roadside assistance, towing and help you to complete the journey if the repairs cannot be completed on the same day.


    You can contact our 24 hour car rescue on 1890 24 7 365 or 00353 1 858 3200 from the UK.


    Your schedule will show if you have this cover. You can access this document in your MyAXA account. Click here to log in/register.


    Alternatively, you can contact us on 1890 24 7 365 or visit one of our branches.


    Car rescue is an optional extra and an additional charge will apply if you want to buy this cover. Terms and conditions apply.

What is car and key rescue?

  • Car Rescue

    will cover you when your car breaks down. We will arrange roadside assistance, towing and help you to complete the journey if the repairs cannot be completed on the same day. You can contact our 24 hour car rescue line on 1890 24 7 365 or 00353 1 858 3200 from the UK.


    Car rescue is an optional extra and an additional charge will apply if you want to buy this cover. Terms and conditions apply.


    Key Rescue

    Provides up to €1,500.00 (Inc. VAT) towards lock and key replacement (including reprogramming of alarms and immobilisers) and costs of transportation in the event of lost or stolen keys or keys broken in any lock of your car. We will also cover up to €40.00 (inc. VAT) per day for up to 3 days for car hire if you are stranded more than 30 kilometres away from home or alternatively reasonable public transport or taxi fares for you and up to 4 passengers.


    Key rescue is an optional extra and an additional charge will apply if you want to buy this cover. Terms and conditions apply.


    Your schedule will show if you have this cover. You can access this document in your MyAXA account.


    Alternatively, you can contact us on 1890 24 7 365 or visit one of our branches.

What is injury cover?

  • Injury cover is an additional benefit that covers you in the event of an accident. With this benefit, we will cover you or any named drivers up to €10,000 in the event of an injury or €30,000 in the event of death. It also includes hospital and temporary disability benefits for you. Injury cover is an optional extra and an additional charge will apply if you want to buy this cover. Terms and conditions apply.


    Your schedule will show if you have this cover. You can access this document in your MyAXA account. Click here to log in/register.


    Alternatively, you can contact us on 1890 24 7 365 or visit one of our branches.

I bought my policy a while ago and still haven’t received my annual insurance cert.

  • We will issue your annual insurance disc and certificate when we receive all outstanding documents. If you are unsure of what documents you have to forward to us, please go to your MyAXA account.


    Alternatively, you can contact us on 1890 24 7 365 or visit one of our branches.

How do I report a claim?

  • There are many ways to report a claim. Please visit our claims section for or contact information, or visit one of our branches. We are also available day and night on 1890 24 7 365.


    We will take your details and try our best to settle the claim as soon as possible.

I bought a new car and need to change my policy, how I can do this?

How do I add driver to my car insurance policy?

  • If you wish to add a driver just for few days or until your renewal date you can amend your policy in your MyAXA account.


    Alternatively you can contact us on 1890 24 7 365 or visit one of our branches.

What should I do if someone wants to report a claim against my policy?

  • Please contact our claims department as soon as possible to register a claim. If you receive any correspondence from the other party or their insurers please do not reply to it, instead pass it on to us.


    Alternatively you can contact us on 1890 24 7 365 or visit one of our branches.

What's the difference between Comprehensive and Third Party, Fire and Theft cover?

  • Comprehensive covers you for:

    • Damage by fire or theft.
    • 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 €30 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 covers:

    • Damage by fire or theft.
    • 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 €30 million.

Am I covered to drive abroad?

  • Yes, you are covered to drive in the following countries: Republic of Ireland, Northern Ireland, Great Britain, Isle of Man, and the Channel Islands. Your policy is also automatically extended to cover you to travel to EU member states for up to 31 days in any period of insurance.


    Please note, some of the sections of your policy cover apply only while driving in the Republic of Ireland, Northern Ireland and Great Britain.


    Please call us on 1890 24 7 365 or visit your local branch if you are in any doubt regarding your cover.


    Terms and conditions apply, please refer to your policy document for more information.

What documents do I need to provide to receive my insurance disc and certificate?

  • We will advise you which documents to forward when you set up your policy. As minimum new customers will need to provide the following:


    Driver Licence:

    • ROI and UK licence holders will have to provide their driver licence number.
    • Licences issued outside ROI/UK must present the original document to us.

    Driving History:

    • No claims discount - if you have no claims discount earned in your own name we will require the original document confirming the number of years without claims, claims details, matching vehicle registration and expiry date.
    • Driving experience earned as a named driver - if you were named on another policy as a named driver we will ask you to provide a letter from previous insurer confirming drivers named, period of cover and details of any claims disclosed.
    • Driving experience earned on a company car - if you were driving a company car we will ask you to provide the below documents:

      • Letter from the insurance company confirming that you were covered on the company policy, number of claim free years and period of cover.
      • Letter from your employer confirming, period of cover, full time, exclusive use of the vehicle, no claims made on the vehicle during this period of time and confirmation that you no longer have the use of the company car.
    • Detail of previous claims - letter from previous insurer outlining date of loss, claim type, status and settlement amount of the claim.

    • We may also ask you to forward any additional documentation to ensure that you receive the right policy. This will be explained to you at the time of purchase.

Do you provide Insurance for young drivers?

  • Yes, AXA is Ireland's leading motor insurance provider and have policy options for young drivers. Visit our Young Drivers Insurance page for more information.

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