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Optional Cover

Customise your car cover by choosing from a range of optional covers* Get Quote *These options are subject to additional charge; it is not necessary to purchase these upgrades in order to purchase the policy.
Optional Extras | Car Insurance | An Post Insurance

We're Human About Insurance

We recognise that you're unique, so your car insurance should be too. An Post Insurance is a 100% Irish-owned company, so we understand what matters most to you.


How We Help

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Wallet-Friendly Protection

We know that everyone wants to get value from their car insurance, so we offer competitive prices and an online discount to help lower the cost of cover (1).

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Stress-Free Cover

Excellent cover is what we do, with many benefits included as standard. We work with a number of insurers in the market so we can help you find a policy that suits your needs.

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Benefits and Bonuses

Our insurers provide care as well as cover, with a wide range of benefits, including 24 hour breakdown assistance. They also offer a no-claims bonus if you are claims-free.

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Real Customer Care

We're powered by people just like you, living in communities all over Ireland. Our team is available six days a week - you can trust us to get the help you need, when you need it.

1) Acceptance criteria, T&Cs apply subject to a minimum premium of €355 or €325, depending on the policy underwriter for car insurance. Discounts applied consecutively, new business only and not available at subsequent renewals.

Tailor Your Car Insurance Policy

We've partnered with a range of providers so you can choose the car insurance policy and benefits that work best for you. You can even upgrade your policy by purchasing any of the following optional extras (2), for added peace of mind. If you'd like some help, get in touch on 0818 22 22 22.

2) These options are subject to an additional charge; it is not necessary to purchase these upgrades in order to purchase the policy.

This optional additional cover allows you to keep part of your no claims discount if you need to make a claim. We will reduce your No Claims Discount in line with the following scale:

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 optional additional cover allows you to protect your No Claims Discount in the event of a claim. Each insurer offers a different protected No Claims Discount:

AIG Policies

For an extra premium, this optional additional cover 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.)


Aviva Policies

For an extra premium, this optional additional cover 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.)


FBD Policies

For an extra premium, this optional additional cover allows you to make 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.).  If you have a third claim in this period, your no claim discount will be reduced as follows:

  • 75% back to 55%
  • 70% back to 55%
  • 65% back to 55%
  • 55% back to 0%
  • 35% back to 0%

This is an optional personal accident cover available to customers of AIG at a cost of €12. If applicable to your policy, we will pay the following benefits to Insured Persons for the events described:

  • Death €26,000
  • Total and permanent loss of sight in one or both eyes €26,000
  • Loss of one or more limbs €26,000
  • For each complete day you or they spend as an inpatient in hospital for up to 20 days €130 per day subject to a maximum of €2,600

We will pay benefits to any person insured who is injured:

  • While in, getting into or getting out of a private car
  • While in, getting into or getting out of any train, bus, taxi, aircraft, boat, ship or hovercraft, but only as a fare-paying passenger, or
  • While as a pedestrian involving any road vehicle, train or aircraft.

The injury must be the only cause of death, loss of sight in one or both eyes or loss of a limb of the person insured

This is an optional personal accident cover available to customers of Aviva at a cost of €12. If applicable to your policy, we will pay the following benefits to Insured Persons for the events described:

  • Death €26,000
  • Total and permanent loss of sight in one or both eyes €26,000
  • Loss of one or more limbs €26,000
  • For each complete day you or they spend as an inpatient in hospital for up to 20 days €130 per day

We will pay benefits to any person insured who is injured:

  • While in, getting into or getting out of a private car
  • While in, getting into or getting out of any train, bus, taxi, aircraft, boat, ship or hovercraft, but only as a fare-paying passenger, or
  • While as a pedestrian involving any road vehicle, train or aircraft.

The injury must be the only cause of death, loss of sight in one or both eyes or loss of a limb of the person insured.

This is an optional personal accident cover available to customers of FBD at a cost of €25. If applicable to your policy, we will pay one of the following benefits if you or any insured driver is accidentally injured as a result of an accident while driving the insured car which within three months after the date of the accident results in

  • Death €30,000
  • Total and permanent loss of sight in one or both eyes €15,000
  • Loss of one or more limbs €15,000
  • Hospital expenses incurred after an accident, for which there is a claim under the policy up to €350 a week and €3,000 in total
  • Medical & physiotherapy expenses up to €1,000

Covers you to drive another private vehicle in Ireland for loss or damage, providing the vehicle does not belong to you, subject to terms and conditions*

FBD - Comprehensive Driving of Other Cars covers you to drive another private car in Ireland for loss, damage or glass breakage, providing the car does not belong to you. The maximum amount payable is €50,000 and the car must have an engine size of no more than 2500cc. This cover is available as an optional extra at a cost of €25. Driving of other cars does not extend to hire or rental cars, vans, car-vans, jeeps with no rear seats, vans altered to carry passengers, or vehicles belonging to a partner or spouse.

Aviva - Comprehensive Driving of Other Cars, covers the loss or damage to another person’s insured private car, while you are temporarily driving on the island of Ireland. This includes cover up to €50,000 or the value of the vehicle, whichever is the lesser, for accidental damage to another person’s car while you are driving it, as well as cover for any third-party claims made against you as the driver. Driving of other cars does not extend to hire or rental cars, vans, car-vans, jeeps with no rear seats, vans altered to carry passengers, or vehicles belonging to a partner or spouse.

AIG - Loss or damage to another person’s insured private car (up to 3000cc) while you temporarily drive in Ireland only. Cover applies up to a maximum of €50,000 or the value of the vehicle, whichever is less and cannot be used to drive a car belonging to a partner/spouse or Employer. The car must be in roadworthy condition, registered in the Republic of Ireland, taxed privately and not older than 15 years.  Please make sure to review the full endorsement applying to this cover which is contained in your quote/renewal pack. Driving of other cars does not extend to hire or rental cars, vans, car-vans, jeeps with no rear seats or vans altered to carry passengers.

*‘Third Party Driving of other cars’ must be applicable & policy cover must be fully Comprehensive in order for ‘Comprehensive Driving of other cars' to be available.

For full terms & conditions applying to this cover, please review the underwriters' policy booklet.

Great value cover for your lost, stolen or broken car keys. Keycare cover can save you the replacement cost of your keys and what's more, it's only €12.60 for the year – that’s just over €1 per month. We will replace your keys if they are lost or stolen, up to €1,500 per annum and we will replace broken keys up to €100 per annum. For full details on our Keycare cover please view our Keycare webpage.

We value your feedback

I found the easiness of contacting a person, was very refreshing. The person was very polite, easy to speak to and gave me a great deal. I put down the phone feeling very positive and happy with the whole experience. Reminded me of a time when people were there to help you. Maria 29.03.2022

Need Help?

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Getting Insured

We care about protecting what matters to you. Get a quick quote for great value insurance online, in person or over the phone.

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Documents & Forms

Here you’ll find useful information, documents and forms that’ll help you get the peace of mind of good protection.

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Payments

We understand that everybody’s different, so you can choose the right payment method for you. Check out our range of options.

Claims & Emergencies | Customer Care |An Post Insurance

Claims & Emergencies

You can trust us to get you the help you need, when you need it. Learn more about making a claim or dealing with an emergency.

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