Am I covered for Accidental Damage? 

Accidental Damage Cover is only included in our Comprehensive Car Insurance Policy. For a full summary on inclusions and exclusions, view our summary table here.

What to do in an Accident? 

Contact us straight away on our Emergency Helpline: 01 241 8572 and give us full and accurate details of the damage. Our Claims Assist Team is available 24 hours a day, 365 days a year, and we’ll do our best to get you back on the road as quickly as possible.

What is covered under Accidental Damage? 

We will pay for any claim for loss of or damage to your car and spare parts up to the market value of your car at the time of the loss or damage.

The maximum we pay will never be more than the value of your car that was last declared to us. 

If any spare part is lost or damaged and we can’t get a replacement from stock in the Republic of Ireland, we’ll pay the cost of this part as shown in the last price list issued by the manufacturer for use in the Republic of Ireland. 

We’ll pay up to a limit of €500 per incident if any permanently fitted item of radio or audio equipment is damaged or stolen from Your Car. 

We won’t pay for that part of the cost of any repair or replacement that improves your car beyond its condition before the loss or damage occurred. 

What if my keys are stolen?

Where your car keys are stolen and the theft was accompanied by violence and/or forcible entry to your permanent residence, we’ll pay up to a limit of €1,000 per incident for replacing vehicle door lock(s), the ignition steering transmitter, the keys and central locking interface.

How do I get the car repaired?

If you are covered, we’ll pay the cost of storing your car and taking it to the nearest suitable repairer, up to a maximum of €200. We’ll also pay the reasonable cost of delivering your car to your home in the Republic of Ireland after the loss or damage is repaired.