Comprehensive Car Insurance
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Get protection that'll go the extra mile, with Comprehensive Car Insurance. An Post Insurance is a 100% Irish-owned company, so we understand what matters most to you.
How we Help with Car Insurance
1) Acceptance criteria, T&Cs apply, subject to a minimum premium. Discounts are applied consecutively, new business only.
2) Breakdown Assistance is covered as standard for all policies underwritten by Aviva, AIG and FBD. For policies underwritten by Allianz, Breakdown Assistance is only included on Comprehensive cover. Refer to your Policy booklet for applicable terms and conditions relating to Breakdown Assistance Cover.
Features and Benefits
You're unique, so your Comprehensive Car Insurance should be too. We've partnered with a range of providers so you can choose the policy and benefits that work best for you. You can even pay to upgrade your policy with extras such as Open Drive or Key Cover or Motor Legal Protection (3), for added peace of mind.
3) These options are subject to an additional charge; it is not necessary to purchase these upgrades in order to purchase the policy. Open Drive is subject to driver/vehicle eligibility criteria and restrictions may apply. Keycare is available at a charge of €12.60 (incl. government levy) per policy. Keycare is administered by Keycare Assistance Limited and underwritten by MAPFRE ASISTENCIA Compania Internacional De Seguros Y Reaseguros, S.A., trading as MAWDY. Motor Legal Protection is available as an optional extra on your Car Insurance policy, at a cost of just €15 per policy. It is not necessary to purchase this optional extra in order to purchase a Car Insurance policy. Motor Legal Protection is underwritten by ARAG Legal Protection Limited.
4) Cover is provided for eligible occupation, age and licence types only. Geographical and vehicle restrictions apply.
5) Applies to third-party fire & theft and comprehensive AIG policies and FBD policies; applies to comprehensive Aviva and Allianz policies only. Can be added to Aviva & Allianz third-party fire & theft policies at an additional charge. It is not necessary to purchase this optional extra in order to purchase a policy.
6) Available on AIG and Aviva car insurance policies only.
Is Comprehensive Car Insurance right for me?
The answer to this question depends on a number of factors, such as the replacement value of your vehicle, the year/age of your vehicle, and what's affordable to you right now. Learn more about our car insurance benefits.
We value your feedback
I recently renewed my car insurance, and the process was seamless from start to finish. The team was professional, efficient, and took the time to explain my options clearly. What stood out most was their excellent customer service—friendly, knowledgeable, and always willing to assist with any questions. I truly appreciated the hassle-free experience and the speediness of the process. Highly recommend their services to anyone looking for a smooth and stress-free renewal process! Angela - 11th Feb - 2025
Good to Know
We've gathered together all the details you need to better understand your Comprehensive Car Insurance options. Take a look at our FAQs and learn more about how we can help you get the cover you deserve, at the price you prefer.
Open driving is an optional cover available from An Post Insurance. Open driving allows other drivers to drive your car, with your permission, as long as they are a certain age and hold a full EU/UK licence. Driver/vehicle eligibility criteria and restrictions may apply. Please see your specific Underwriter below for further details.
AIG & Aviva Policies: Cover is provided for any person free from accidents, claims, disqualifications, endorsements and convictions, aged from 25 to 70 years holding a full EU or UK driving licence - The driver cannot have any penalty points unless they are named on the policy.
FBD Policies: Cover is provided for any person free from accidents, claims, disqualifications, endorsements and convictions, aged from 25 to 71 years holding a full Irish, UK or EU driving licence. Up to 6 Penalty Points are allowed provided they are not court awarded.
Allianz Policies: Cover is provided for any person free from accidents, claims, disqualifications, endorsements and convictions, aged between 30 to 70, holding a full clean Irish, UK or EU driving licence & no more than 6 penalty points or 2 fixed charge notices.
It is not necessary to purchase this optional extra in order to purchase a Car Insurance policy.
Step-back No Claims Discount is an optional extra, which allows you to keep part of your no claims discount in the event of a single claim.
Allianz policies, Stepback included as standard. For full breakdown of their NCD scales please see their policy booklet here.
For AIG, Aviva & FBD your No Claims Discount will reduce as follows:
AIG policies
- 55% to 30%,
- 50% to 30%,
- 40% to 20% or
- 30% to 10%
Aviva policies
- 50% to 20%,
- 40% to 10% or
- 30% or less to nil
FBD policies
- 75% to 55%,
- 70% to 55%,
- 65% to 55% or
- 55% to nil
- 35% to nil
It is not necessary to purchase this optional extra in order to purchase a Car Insurance policy.
For an additional premium, our protected No Claims Discount option allows you to have either one or two unlimited claims in a three year period, without losing your No Claims Discount depending on your policy underwriter. (We will not take account of windscreen, fire or theft claims.)
For each policy underwriter's No Claims Discount scale please see their policy booklet in our Document & Forms page.
It is not necessary to purchase this optional extra in order to purchase a Car Insurance policy.
For an additional premium, and depending on your Policy Underwriter, Protected No Claims Discount with Step-Back option allows you to have either one or two unlimited claims in a three-year period, without losing your No Claims Discount. (We will not take account of windscreen, fire or theft claims.)
For subsequent claims, the Step-Back No Claims Discount will then apply.
For each policy underwriter's No Claims Discount scale please see their policy booklet in our Document & Forms page.
Your certificate of insurance will be issued once you have arranged payment terms and returned all of the necessary documentation to An Post Insurance.
