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.

A No Claims Discount usually lasts for two years from the date that your last policy in your own name ends. You do not earn a No Claims Discount unless you are the policyholder of the car insured.

Covers other people aged between 25-70 with a full EU/UK licence to drive your car. Driver/vehicle eligibility criteria and restrictions may apply

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. 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

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 up to 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.)

It is not necessary to purchase this optional extra in order to purchase a Car Insurance policy.

Protected No Claims Discount with Step-Back option allows you to have up to two unlimited car insurance 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.) This is an optional extra that would incur an extra premium. For subsequent claims, Step-Back No Claims Discount applies.

It is not necessary to purchase this optional extra in order to purchase a Car Insurance policy.

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