Am I covered for Legal Liability to Others?  

Legal Liability is included our Comprehensive and our Third Party, Fire & Theft Car Insurance Policy. For a full summary on inclusions and exclusions, view our summary table here.

Does my insurance cover other people?

Yes. If another person is injured we will cover you against legal liability for damages and claimant’s costs and expenses for death of, or bodily injury to any person and for damage to property up to €30,000,000.

You are covered in any accident caused by, through or in connection with:

(i) Your car;
(ii) A trailer or disabled mechanically propelled vehicle which is attached to or being towed by Your Car as permitted by law;
(iii) Any detached single-axle trailer not exceeding one half tonne unladen weight;

This cover does NOT include caravans, mobile homes, trailer tents, boat trailers and any trailer which incorporates machinery or other equipment.

What about Legal Fees?

We will pay the solicitor’s fee for your legal representation at any Coroner’s Inquest or any Court of Summary Jurisdiction to defend you against any civil legal action taken as a result of the accident.

We'll also arrange and pay costs for legal services up to €1,000 to defend you against legal action for manslaughter or causing death by Careless or Dangerous Driving.

Full details can be found in our Policy Booklet here.

Cover for Other People

We will cover:

a) Any person driving your car with your permission who is named in the Certificate of Motor Insurance
b) Any passenger in or getting into or getting out of your car, but not the driver or person in charge of such vehicle for the purpose of driving.
c) At your request, your business partner or employer but only in respect of your negligence whilst you are driving or using a motor vehicle on their business, provided the driving and use is covered by the Certificate of Motor Insurance and the motor vehicle does not belong to such business partner or employer and is not hired or leased to them.

Cover for Legal Fees

If any person dies and they have incurred any liability which is covered under this Section, We will cover their legal personal representatives within the Terms and limits which applied to that person under this Policy.

For full details, see our policy booklet, here.