What does my Car policy cover me for?
We keep it simple. You can choose between Comprehensive and Third Party, Fire & Theft. Here’s how they stack up:
| Sections | Description | Third Party, Fire & Theft | Comprehensive |
|---|---|---|---|
| Legal Liability To Others | Protects you if you cause injury or property damage to someone else. The policy covers up to €30 million for property damage. | ✔ | ✔ |
| Driving of Other Cars (subject to criteria) | You may be insured to drive another person’s car (terms apply—see your cert). Strict eligibility rules apply, such as vehicle engine size and NCT compliance. | ✔ | ✔ |
| Accidental Damage | Covers repairs if your car is damaged in an accident. | ✔ | |
| Fire & Theft | If your car’s stolen or damaged by fire, you’re covered. Applies while in or on your car or in your private domestic garage. | ✔ | ✔ |
| Windscreen Cover | Pays for repairs or replacement of your windscreen or windows. Cover is up to €1,500 with approved repairers or €225 with others. | ✔ | |
| Using Your Car Abroad | Extend your cover when driving in certain European countries. | ✔ | ✔ |
| Personal Accident Benefits | Offers a benefit if you’re seriously injured or die following a car accident. The maximum payout is €5,000 per person; the driver must not be under the influence. | ✔ | |
| Personal Belongings | Covers personal items damaged or stolen from your car. Up to €500; excludes electronics like phones and laptops. | ✔ | |
| Accident & Emergency Cover | Support after a crash—like medical expenses or emergency services. Covers up to €100 per person for medical expenses. | ✔ | |
| Emergency Overnight Accommodation | If you’re stranded after an insured event, we’ll cover a night’s stay. It is up to €95 per person, and €380 in total for all passengers. | ✔ | |
| Breakdown Assist | Includes roadside repairs or towing if needed. Only applies in Ireland. | ✔ | ✔ |
| No Claims Discount - Step Back | A discount you get on your car insurance premium for each claim-free year of driving on the policy. | ✔ | ✔ |
| Key Cover | Protection if your car keys are lost or stolen. Cover up to €1,500 per policy year; conditions apply. | ✔ | |
| Optional Extras – Available for an Extra Cost | |||
| No Claims Discount - Protected | You may incur one claim of any amount in a consecutive three-year period without affecting the No Claim Discount. | ✔ | ✔ |
Which Cover Should I Choose?
Think about:
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Your Car’s Value - If your car’s newer or worth more, comprehensive makes sense.
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Your Budget - Third Party, Fire & Theft usually has lower premiums.
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Your Risk - Consider how often you drive and where you park.
Want a Quote or More Info?
Choosing the right policy is about making sure you’re protected in the ways that matter to you. We're here to help make that easier. Review our policy documents or call our Customer Care team at 01 524 6029 for further assistance.