| Frequently Asked Questions |
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| MOTOR INSURANCE |
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| Q: | I have comprehensive cover on my car. Does this mean that I can drive other cars? |
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| A: | No. Comprehensive cover means that damage to your own car is covered by the insurance (as opposed to TP and TPFT cover where only your liability to other people and their prpoerty is covered (TP) and your car is cover only in the event of fire and theft (TPFT)). Usually DRIVING OTHER CARS option can be added to your policy; some policies even include it as a standard. However, it is important to remember that even if you have DRIVING OTHER CARS OPTION included in your comprehensive policy, while driving someone else's car you are cover only for third party liability. |
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| Q: | What is Breakdown Assistance?
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| A: | Breakdown Assistance includes cover for roadside and driveway assistance with up to one hour's labour free in the event of a mechanical breakdown, malicious damage, punctures, lost or stolen keys, keys broken or locked in car, etc. It also covers towing your car to the nearest competent repairer or your own garage (whichever is closer), completion of journey if more than 30 km from your home and other replacement and accommodation benefits which are subject to certain conditions. |
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| A: | The CC of your car is the cubic capacity of the engine in your car. The engine is measured in cubic centimetres and this information will always be stated in your Vehicle Licensing Certificate/logbook
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| A: | There are generally five types of Class of Use in car insurance. These are as follows:
Class 1A, Class 1B, Class 1C, Class 2 and Class 3
Class 1A use is for Social, Domestic and Pleasure purposes only.
Class 1B use is for Social, Domestic and Pleasure purposes with restricted business use. This must be specifically requested.
Class 1C use is for Social, Domestic and Pleasure purposes with restricted business use for publicans, guesthouse owners etc.
Class 2 use is for Social, Domestic and Pleasure purposes with some business use. This includes carriage of goods and samples. Goods and samples are not covered under the policy. However, use of the car while carrying goods and samples is covered.
Class 3 use is for Social, Domestic, Pleasure purposes and for Business/Professional purposes including Commercial Travelling or Soliciting Orders but excluding Racing, Pace-Making, Speed-Testing and the Carriage of Passengers for hire or reward.
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| Q: | What does D.O.C. mean (Driving Other Cars)?
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| A: | D.O.C. is a facility which allows you the actual policyholder to drive other cars or motor cycles on a third party basis only. This facility is not available to everybody; it is subject to certain conditions
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| A: | Excess is the amount you, as the insured, must pay towards any claim you make. In the case of standard excess, you will pay the first €300 yourself, except in the case of a windscreen breakage claim. You have the option to increase the excess to €600, which will reduce your Premium or you may decrease the excess to €125, which will incur a slight additional Premium. |
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| Q: | What does Gap in Cover mean?
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| A: | If your previous car insurance has expired over thirty days ago, this represents a Gap in Cover. Reasons for this must be given.
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| A: | A green card has the same function as an Insurance Certificate. It is used when travelling abroad and is internationally recognised as proof that your car is insured. We can provide you with your Green Card prior to travelling, without any charge. The Green Card provides you with cover abroad for up to a maximum of 90 days.
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| Q: | What does High Performance mean?
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| A: | High Performance relates to the time it takes for your car to go from 0 to 60 mph. If your car is capable of reaching 60mph in less than 10 seconds it is regarded as high performance
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| A: | Indemnity applies to persons who use their car in connection with their job. The employer will in some cases require a letter of indemnity from the insurance company. This means that if the insured has an accident while driving the car for work, the employer will not be held liable.
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| Q: | What is an Insurance Certificate? |
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| A: | An insurance certificate is a guarantee that a policy of insurance has been issued to you which complies with the terms of the "Road Traffic Act(s)".
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| Q: | What does Modified mean? |
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| A: | This relates to changes that may have being made to your car e.g. modification for a wheelchair, addition of alloy wheels or installation of a modified engine.
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| A: | Our open driving option allows anyone to drive your car as long as they are over 25 and under 70 years of age with a full licence.
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| Q: | What is Protected No Claim Bonus? |
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| A: | A protected No Claims Bonus can only be offered to people who hold 5 years No Claims Bonus in their own name. To be eligible for this you must also purchase a Stepback Bonus Protection policy. It allows you to incur up to two claims in a three-year period without incurring any loss of your current No Claims Bonus.Claims for windscreen breakage, fire and theft are not considered a claim.
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| Q: | What are Personal Effects? |
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| A: | These are items worn or carried on the person, clothing items or luggage items.
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| Q: | What is Stepback Bonus Protection?
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| A: | With stepback bonus protection, you can reduce the percentage loss of your No Claims Bonus, resulting from a single claim on your insurance.
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| Q: | What is Windscreen Damage?
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| A: | Windscreen Damage constitutes accidental breakage of the windscreen or any other car window (excluding sunroof) and scratching of bodywork resulting solely and directly from such breakage
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| Q: | Do you consider drivers with motoring offences?
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| A: | Yes, we will quote for drivers with accidents, claims and convictions through our Non-Standard Drivers schemes. Quotations and acceptance will vary depending on what the offence is, when it was incurred and how many there are.
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| Q: | How can I pay my premium? |
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| A: | Your broker can arrange premium financing for you should you wish to spread your payments over a number of months.
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| Please use the form on the Contact page if you wish to enquire about our services. |
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