You can pay your premium in one annual payment (usually the cheapest option) or spread the cost with a deposit followed by 9 monthly instalments. Monthly payments are available via Direct Debit from your bank account or BillPay at your local post office using cash, cheque, or debit card. A deposit of 20% is required for monthly payments, and a service fee of up to 12% applies. Paying in full avoids this fee. 

Several factors affect your premium, including your age, driving experience, claims history, penalty points, the type and value of your car, and where you live. Young and first-time drivers typically pay more because they have less experience on the road. The best way to reduce your premium is to build a claims-free driving record. Your No Claims Discount increases each year you drive claim-free, up to a maximum that varies by insurer. An Post Insurance searches across our panel of leading Irish insurers to find you the most competitive price for your chosen cover level. 

Younger and less experienced drivers typically pay more because they are statistically more likely to be involved in an accident. As you build driving experience and a claims-free record, this is taken into account by insurers at renewal. An Post Insurance also offers BoxClever Telematics Insurance, which uses a black box to monitor driving behaviour. Safe driving may contribute to more competitive premiums at renewal, making it a popular option for young and first-time drivers. 

Yes, all An Post Insurance Car Insurance policies include cover to use your car in EU countries. The exact number of days and specific countries covered vary by insurer, so check your policy documents before you travel. If you need cover for longer than the standard period, this can be extended upon referral to your insurer and charges may apply. Contact An Post Insurance before your trip to arrange. 

Breakdown Assistance provides 24-hour emergency help if your car breaks down at home, at work, or on the road, covering mechanical breakdowns, punctures, lost keys, and towing. Up to one hour of roadside assistance is provided. It is included as standard on most An Post Insurance Car Insurance Policies. It is not included on Allianz Third Party, Fire and Theft policies or on BoxClever Telematics policies. Visit our Breakdown Assistance page  for full details. 

A No Claims Discount (NCD) is a discount on your premium earned for each consecutive year you drive without making a claim. The discount increases each year, up to a maximum that varies by insurer. If you make a claim without NCD Protection, your discount could be reduced or removed entirely. NCD Protection is available as an optional extra to prevent this, subject to eligibility. It is not necessary to purchase this optional extra in order to purchase a car insurance policy. Visit our No Claims Bonus page for full details. 

Yes. You can add named drivers to your policy, or purchase Open Driving as an optional extra available at an extra cost to allow other drivers to use your car with your permission. Open Driving is subject to age, licence, and acceptance criteria that vary by insurer. Adding drivers may affect your premium depending on their age, experience, and driving history.

Visit our Optional Cover page for full details. 

It is not necessary to purchase this optional extra in order to purchase a car insurance policy.

Third Party, Fire and Theft covers damage or injury you cause to other people while driving, plus protection for your own car if it is stolen or damaged by fire. It does not cover accidental damage to your own vehicle. Visit our TPFT page for full details. 

If you need to make a claim, call the claims number for your insurer. This will be in your insurance policy documents. Provide the details of what happened and a claims handler will guide you through the next steps, including arranging an assessment, repairs, or a replacement vehicle if applicable. A claim may affect your No Claims Discount unless you have NCD Protection in place.

Yes, you can get a quote through our online quote form before purchasing a vehicle. A car registration number is not required to get a quote. If you have the registration, your vehicle details will be filled in automatically. If you do not have the registration yet, you can manually select the make, model, and other details. Please note that the price shown is based on the vehicle details you have entered and may change once the registration is provided, as some vehicle specifics (such as import status) may affect insurer acceptance and pricing. 

Yes, you can insure multiple cars with An Post Insurance. Each car requires its own policy. Contact us on 0818 22 22 22 to discuss your options. 

Keycare covers the cost of replacing your car keys if they are lost, stolen, or broken including the key fob, immobiliser, and any reprogramming needed. Modern car keys can cost hundreds of euro to replace. Keycare* is available as an optional extra for €19.76 per year (including government levy) or €1.66 per month. It is not necessary to purchase Keycare in order to purchase a car insurance policy. Refer to your policy documents for more information on the applicable limits. 

*Keycare is administered by Keycare Assistance Limited and underwritten by MAPFRE ASISTENCIA Compania Internacional De Seguros Y Reaseguros, S.A., trading as MAWDY.