Motor Insurance Policy

What is Insured?

The legally compulsory coverage for Motor Third Party Liability.

All other coverages are only granted if expressly mentioned in the Insurance Policy Schedule of your insurance contract.

The financial intervention ceilings are also specified in the Insurance Policy Schedule of your insurance contract.

Compulsory Coverage for Motor Third Party Liability (MTPL) Insurance
Covers bodily injury and/or property damage to third parties as a result of using the Insured Vehicle.

Windscreen
Covers damage to the insured vehicle by way of:
- Breakage of Windscreen, Side and Rear Windows

Fire, Theft and More
Covers damage to your vehicle by way of:
- Fire
- Theft
- Natural Hazards
- Snow Slide
- Impact with animals

Full-Comprehensive Insurance
Covers damage to your vehicle by way of:
- Material Damage to your vehicle, due to vandalism or an accident.

Additional Coverages
Covers damage to your vehicle by way of:
- New Car Replacement
- Replacing the keys of the vehicle
- Glass Cover Plus
- Chargers
- Driver Protection Insurance
- Medical Expenses
- Personal Belongings
- Courtesy Vehicle Costs
- Courtesy Vehicle Insurance
- Misfuelling Cover

What is NOT Insured?

The complete list of Exclusions can be found in the General Terms and Conditions of the Insurance Policy/Contract; but here are a few non-exhaustive examples:

For MTPL: bodily injury of the driver liable for the accident and damage to the insured vehicle.
For Material Damages: damage resulting from a lack of maintenance of the insured vehicle and/or damage to transported objects.
For Theft: theft committed with a lost key or one left on/in the insured vehicle; and theft committed by the family or employees/staff of the Policyholder or an Insured Person.
For (Roadside) Assistance
In all insurances except MTPL: Damage resulting from an intentional act of the Policyholder and/or an Insured Person, gross negligence of the Policyholder and/or an Insured Person (such as drunkenness), or if due to a speed or skill contest, the failure of the insured vehicle to comply with the technical inspection regulations.

Are there any Restrictions on Cover?

Coverage Restrictions are defined in the General Terms and Conditions and the Policy Schedule. Here are a few non-exhaustive examples:

Excess:
The Policy Excess is the amount to be paid by you. The applicable Excesses are listed in the Policy Schedule of your insurance contract/policy.

Compensation amount:
For the MTPL:
- Limited to the ceiling of Policy Limits foreseen by the Laws of Ireland.
For the Comprehensive: Compensation Value in case of a Total Loss:
- Have you chosen the Additional Insurance Coverage ‘New Value Compensation in case of a Total Loss’? Then we will compensate the new value, during the first insurance year or the first two insurance years, depending on what you have chosen and depending on what is stated on your Policy Schedule.
- In all the other cases, the Compensation Value is to be equal to the Current Value of the Insured Vehicle at the time of the claim. Coverage applies only if you take all possible measures to limit the extent of the damage to the Insured Vehicle and/or to Third Parties and/or to Third Party Property or Vehicles.

The insurance applies to persons and companies having their domicile/registered office in Ireland.

How do I Cancel/Terminate the Insurance Contract/Policy?

You may revoke your application to conclude the contract or the insurance policy or the declaration of acceptance, in writing or in another text form. The revocation period is 14 days and that period begins as soon as you have accepted the contract. To do this, the deadline is met if you notify us of your revocation on the last day of the revocation period or if you hand over your declaration of revocation to the Post Office (An Post) for postal delivery to us on/by the last day of the revocation period. You may thus cancel the insurance contract/policy within 14 calendar days of receiving the General Terms and Conditions and your Policy Schedule without any charge or penalty. Cancellation takes effect immediately upon notification. If the insurance contract/policy has already started, you will be required to pay the premium for the period for which the insurance contract/policy was in effect.
You can cancel the insurance contract/policy in full on the main due date. To do so, you must notify us in writing on or before the expiry date, by registered letter, or by handing in the letter of cancellation against receipt.
You can cancel the insurance contract/policy if we make changes to the insurance premium/rates or if we amend the general terms and conditions, and you do not agree to the same. In this case, we will apply the statutory provisions and applicable notice periods, as per the insurance contract/policy. You must then return to us the insurance disc and the certificate of motor insurance. We will return to you a proportionate part of the premium paid in respect of the unexpired term of the Policy subject to the following: - i. No refund will be allowed if an incident giving rise to a claim occurred during the Period of Insurance; ii. No refund will be allowed if the premium for the period of insurance has not been paid to us; iii. No refund will be allowed if the premium is being paid under an instalment scheme.

Insurance Product Information Document – Motor Insurance

What is this type of insurance?

What is Insured?

What is NOT Insured?

Are there any Restrictions on Cover?

Where am I Covered by my Insurance Policy?

What are my Obligations?

When and How do I Pay my Insurance Policy Premium?

When does the Insurance Cover Start and End?

How do I Cancel/Terminate the Insurance Contract/Policy?