No Claims Bonus

This will allow you to make two unlimited claims within a three year period on your car insurance policy without losing your No Claims Bonus. The number of claims free years you hold will determine if you are eligible to purchase this optional extra with each of our car insurance underwriters.

This is a partial protection of your No Claims Bonus.  In the event of a claim, your No Claims Bonus will step-back by a certain percentage, this amount will depend on your car insurance underwriter. The number of claims free years you hold will determine if you are eligible to purchase this optional extra with each of our car insurance underwriters.

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 aged from 25 to 70 years and hold a full EU/UK licence. Driver/vehicle eligibility criteria and restrictions may apply.

This optional extra allows you to Step-Back your No Claims Discount, which means that in the event of a single claim, you keep part of your discount. We will reduce your No Claims Discount 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

For an extra premium, this option allows you to have up to two unlimited claims in a three year period, without losing your No Claims Discount. (We will not take account of windscreen damage or fire or theft claims.)

For an extra premium, this option allows you to have up to two unlimited claims in a three year period, without losing your No Claims Discount. (We will not take account of windscreen damage or fire or theft claims.) For subsequent claims, Step-Back No Claims Discount applies.

Once you have arranged payment terms and returned all of the necessary documentation to An Post Insurance, your certificate of insurance will be issued.