Optional Cover

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

Allianz policies

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

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. If you have a third claim in this period your no claims discount will be reduced as follows:

• 55%/50% back to 30%
• 40% back to 20%
• 30 % back to 10%
• 20/10% back to 0%

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%

Allianz Policies: 

If an optional No claims bonus Protection package is selected, this allows you to make one unlimited third-party or Accidental Damage claim in any three year renewal period without losing your no-claims discount. Where a second unlimited claim occurs in a three year renewal period the No Claim Discount will step back by three years. Claims paid in respect of Windscreen Breakage, Fire, or Theft will be paid without impact on No Claims Discount.

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

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.

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

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.

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

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

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

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.

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.

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

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.

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

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

We will pay the following Personal accident benefits for the driver and occupants of your car:

• Death: €15,000
• Total & Permanent loss of sight in one or both eyes: €15,000
• Loss of limb at or above the wrist or ankle: €15,000
• Permanent total disablement: €15,000
• Temporary total disablement: €60 per week for up to 50 weeks (excludes the first 14 days)
• Medical, surgical, and hospital fees and cost of necessary medical appliances related to the injury: €200 per week for up to 10 weeks

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

Covers other drivers with a Full EU or UK Licence to drive your car with your permission. Certain age, occupation and other restrictions apply which depend on your underwriter.

AIG & Aviva Policies: Cover is provided for any person free from accidents, claims, disqualifications, endorsements and convictions, aged from 25 to 70 years holding a full EU or UK driving licence - The driver cannot have any penalty points unless they are named on the policy.

FBD Policies: Cover is provided for any person free from accidents, claims, disqualifications, endorsements and convictions, aged from 25 to 71 years holding a full Irish, UK or EU driving licence. Up to 6 Penalty Points are allowed provided they are not court awarded.

Allianz Policies: Optional extra available subject to terms and conditions. Those driving under the Open Driving must be free from accidents, claims, disqualifications, endorsements and convictions, aged between 30 to 70, and holding a full clean Irish, UK or EU driving licence. No more than 6 penalty points or 2 fixed charge notices.

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

Motor Legal Protection offers help and advice with the most common legal problems. It will pay up to €130,000 to cover the legal costs that you may incur for claims made under the policy.

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

Motor Legal Protection is underwritten by ARAG Legal Protection Limited.