Comprehensive Car Insurance Ireland
Full Cover for complete peace of mind
Get a Quote
Comprehensive car insurance that covers damage to your car, other vehicles, and third-party injuries, from a panel of trusted Irish insurers. Save up to €60 when you quote online.*
*Available at time of display. 15% discount or €60 off car insurance will be applied (whichever is the lower). Acceptance criteria, T&Cs apply, subject to a minimum premium. Discounts applied consecutively, not available on BoxClever product, new business customers only. Best Price available online.
What is Comprehensive Car Insurance?
Comprehensive Car Insurance is the highest level of Car Insurance cover available. It protects you against accidental damage to your own car, damage or injury you cause to other people and their property, and fire and theft. With An Post Insurance, comprehensive policies include benefits like 24/7 breakdown assistance1 and motor legal protection2 as standard, with optional extras available if you need them. It is not necessary to purchase any optional extras in order to purchase a policy. An Post Insurance is 100% Irish-owned. We search across our panel of leading Irish insurers and present you with the most competitive price for your chosen level of cover.
1) Breakdown Assistance is included as standard on all Comprehensive policies across all four underwriters (Aviva, AIG, FBD, Allianz). Not available on BoxClever Telematics policies.
2) Motor Legal Protection covers legal expenses up to €130,000. The cost is included in your premium breakdown. Underwritten by ARAG Legal Protection Limited. Not available on BoxClever Telematics policies.
Comprehensive vs Third Party, Fire and Theft: what’s included?
The table below compares the two levels of car insurance cover available from An Post Insurance, with the specific limits that apply to each benefit.
| Feature | Comprehensive Car Insurance |
| Damage to your own car (accidental) | Included – up to the market value of your vehicle at the time of loss. A limit of €650 applies to accessories and spare parts (AIG). |
| Damage to other vehicles or property | Included – up to €30 million (all underwriters). |
| Injury to other people | Included – unlimited (all underwriters). |
| Fire damage | Included – up to the market value at the time of loss. |
| Theft or attempted theft | Included – up to the market value at the time of loss. |
| Personal belongings | Included. Aviva: up to €150. AIG: up to €150. FBD: up to €400. Allianz: up to €775 (only where NCB Protection package is purchased). |
| Windscreen cover | Included as standard. Unlimited when using your insurer’s approved repairer. If using an alternative repairer: Aviva up to €225 per event. AIG up to €225 per event. FBD up to €223 per claim or €30 for chip repair. |
| Driving other cars | Included with selected insurers, subject to eligibility and T&Cs. |
| Coverage while driving abroad | Included with selected insurers, subject to T&Cs. |
| Courtesy car | Included with selected insurers, subject to T&Cs. AIG: maximum €200. |
| 24-hour breakdown assistance | Included as standard on all Comprehensive policies. Allianz: maximum 4 call-outs per policy year, permanent car only. Not available on BoxClever3 policies. |
| Motor legal protection | Included as standard. Cover up to €130,000. Cost included in premium breakdown. Underwritten by ARAG. Not available on BoxClever3. |
| Fire brigade charges | Aviva: up to €1,000. AIG: up to €1,500. FBD: up to €2,000. Allianz: up to €2,025. |
| Optional extras~ | |
| No Claims Discount Protection | Optional extra, subject to eligibility. Cost based on your premium. Learn more. |
| Open Driving | Optional extra, subject to acceptance criteria that vary by insurer. Learn more. |
| Keycare⁴ | Optional extra – €19.76/year (incl. government levy) or €1.66/month. Not available on BoxClever3. Learn more. |
For example, if you reverse into a bollard and damage your bumper, comprehensive cover pays for the repair. With Third Party, Fire and Theft, you would pay for the repair yourself which can cost hundreds or even thousands of euro. That is why comprehensive is the most popular choice for drivers who want full peace of mind.
If your car is new, high-value, or would be expensive to replace, Comprehensive is usually the better choice. Even for older cars, the premium difference between Comprehensive and TPFT can be small, so it is worth getting a quote for both to compare.
~Optional extras are available at an additional cost. It is not necessary to purchase these in order to purchase a car insurance policy.
3) BoxClever Car Insurance features and benefits differ from standard car insurance. Visit our BoxClever Telematic Car Insurance page for details.
4) Keycare is administered by Keycare Assistance Limited and underwritten by MAPFRE ASISTENCIA Compania Internacional De Seguros Y Reaseguros, S.A., trading as MAWDY.
What do I need to get a quote?
Getting a quote takes just a few minutes. Before you start, have the following ready: your personal details (name, date of birth, address, occupation), your driving licence information, your car’s details (registration number, make, model, year, engine size, annual mileage – if you have your registration to hand, most vehicle details are filled in automatically), your driving history (claims, penalty points, endorsements, convictions, and any previous refusals of insurance), and your No Claims Discount details. Once submitted, you will be presented with the most competitive price from our panel of insurers.
Is Comprehensive Car Insurance worth it?
If your car is new, high-value, or would be expensive to replace, Comprehensive is usually the better choice. Without it, you would need to pay for repairs to your own car out of pocket if the accident was your fault. Even for older cars, the premium difference between Comprehensive and Third Party, Fire and Theft can be small, so it is worth getting a quote for both to compare. An Post Insurance searches across our panel and presents you with the most competitive price for your chosen level of cover.
We value your feedback
The staff that looked after my renewal were all excellent. I was changing my car a few days before renewal and they took care of everything. They helped me with my payment (I was stressed at the time) and were so patient. Overall, very happy with the service. Janette 1st - Mar - 2026
Comprehensive Car Insurance FAQs
Comprehensive Car Insurance covers accidental damage to your own car, damage caused to other vehicles or property (up to €30 million), fire damage, theft or attempted theft, and injury to other people (unlimited). Your policy also includes windscreen cover, 24-hour breakdown assistance*, and cover for personal belongings as standard (limits vary by insurer; Allianz personal belongings cover is only available where the protected NCD package is purchased). Visit our breakdown assistance page for full details on roadside cover.
*Not available on BoxClever Telematics policies.
Comprehensive Car Insurance is a strong choice for drivers who want full protection for their vehicle, particularly if that car is new, expensive, or costly to repair. In some cases, comprehensive cover can also be competitively priced compared to Third Party, Fire and Theft. It depends on your driving history and circumstances. Get a quote to see the most competitive price available for your chosen cover level.
Comprehensive Car Insurance includes cover for accidental damage to your own car, as well as fire, theft, and third-party liability. Third Party, Fire and Theft does not include repairs to your own vehicle if you are at fault, so you could be out of pocket after an accident. Visit our Third Party, Fire and Theft page for a full breakdown of what is and is not included.
That depends on your individual policy. If you are insured to drive other cars, cover levels can vary, so check your policy documents for the exact details before driving a car other than your own. You can also add Open Driving as an optional extra for an additional cost, which allows other drivers to use your car with your permission, subject to age, licence, and acceptance criteria that vary by insurer. It is not necessary to purchase this optional extra in order to purchase a car insurance policy. Visit our Optional Cover page for details.
Yes, your Comprehensive Car Insurance policy extends to other countries in the European Union, although the exact details including the number of days and list of countries covered will be set out in your policy documents. Check your paperwork in advance of travel as terms can vary between insurers. If you need cover for longer than the standard period, this can be extended upon referral and charges may apply.
No, windscreen, fire and theft claims do not affect your No Claims Discount, regardless of whether you have NCD Protection in place. Your discount percentage remains the same and your premium is not impacted. Please note you must disclose all claims, including windscreen claims, as the number of windscreen claims within a set period may affect acceptance criteria.
Breakdown Assistance is included as standard on all Comprehensive Car Insurance policies with An Post Insurance. Allianz policies have a maximum of 4 call-outs per policy year for the permanent car only. Breakdown Assistance is not included on BoxClever* Telematics policies. Visit our Breakdown Assistance page for full details on what is covered.
*BoxClever Car Insurance features and benefits differ from standard car insurance. Visit our BoxClever Telematic Car Insurance page for details.
An Post Insurance offers a range of optional extras including No Claims Discount Protection, Step-Back NCD Protection, Open Driving, Keycare cover, and personal accident cover. Availability and cost depend on your insurer and individual circumstances. Visit our optional cover page for a full breakdown of what is available and how much each extra costs. It is not necessary to purchase these optional extras in order to purchase a Car Insurance Policy.
If your parked car is damaged by another driver, your comprehensive policy covers the repair. If the other driver can be identified, your insurer will pursue them to recover costs and your No Claims Discount should not be affected. If the other driver cannot be traced, you will need to pay your excess and the claim may affect your NCD. Consider adding No Claims Discount Protection to safeguard your discount.
Yes, accidental damage caused by hitting an animal on the road is covered under a comprehensive policy. You would need to pay your excess, and the claim may affect your No Claims Discount depending on your protection level.
