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Third Party, Fire & Theft Insurance

Get our best car quote online in just a few minutes Get Quote 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, for new business customers only and will not be available at subsequent renewals.

We're Human About Insurance

Make sure you're covered for the unexpected with our Third Party, Fire and Theft insurance. An Post Insurance is a 100% Irish-owned company, so we understand what matters most to you. 

How we Help

How we can help | Customer Care | An Post Insurance

Wallet-Friendly Protection

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

How we can help | Customer Care | An Post Insurance

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.

How we can help | Customer Care | An Post Insurance

Benefits and Bonuses

Our insurers provide care as well as cover, offering 24/7 Breakdown Assistance as standard, available in Ireland, Northern Ireland, England, Scotland and Wales.

How we can help | Customer Care | An Post Insurance

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 will not be available at subsequent renewals.

Features and Benefits

Our Third Party, Fire and Theft policy helps to protect you in case your car is burned or stolen, and if you're at fault in an accident, it covers damage to others and their property (2). Third party insurance is the minimum level of motor insurance required in Ireland and throughout the European Union (EU). We also include extra benefits like 24 hour Breakdown Assistance, so we'll be there when you need us most (3).

Emergency Breakdown Assistance | Car Insurance

Breakdown Assistance

Help is just a phone call away with our 24 Hour Breakdown Assistance service, available in Ireland and the UK (3).

Windscreen Cover | Car Insurance | An Post Insurance

Windscreen Cover

Make sure you can see clearly with unlimited windscreen cover with AIG and FBD policies when you use our insurers' aligned repairer network (4).

Insurance Cover & Discounts | An Post Insurance

Discount for No Penalty Points

Our insurers reward safe driving by offering a discount to drivers and named drivers who have appropriate licences and haven't incurred penalty points for driving offences in the Republic of Ireland. (5)

Your Policy | Customer Care |An Post Insurance

Customisable Cover

You can make sure your insurance works for you by purchasing any of the additional upgrade options such as Keycare, which covers lost or stolen keys up to €1,500 per annum for just €12.60 (incl. government levy) for the year (6).

2) Please refer to our policy booklets for full cover details and terms and conditions that apply. Discounts, cover limits, and terms and conditions are dependent on your car insurance underwriter and those applicable to you will be outlined in your policy documents.
3) The driver must remain with the car. 
4) Applies to third party fire & theft and comprehensive AIG policies and FBD policies; applies to comprehensive Aviva policies only. Can be added to Aviva as an additional extra.
5) Available on AIG and Aviva car insurance policies only.
6) This option is subject to an additional charge; it is not necessary to purchase this upgrade in order to purchase the policy. Keycare is administered by Keycare Assistance Limited and underwritten by MAPFRE ASISTENCIA Compania Internacional De Seguros Y Reaseguros, S.A., trading as MAPFRE ASSISTANCE Agency Ireland.   

Is Third Party, Fire and Theft Insurance Right for Me?

The answer to this question depends on a number of factors, such as the replacement value of your vehicle, the year / age of your vehicle, and what's affordable to you right now. The premium for Third Party, Fire and Theft Insurance is usually cheaper than Fully Comprehensive cover, but it also means you could be out of pocket for the cost of repairs to your own car. Learn more about our car insurance benefits here.

We value your feedback

You folks are the best customer services team in Ireland. I would never move away from yous. Thank you so much for your help on this. Have a great day and mind yourselves. Lorraine 06.07.2022

Good to Know

We've gathered together all the details you need to better understand your Third Party, Fire and Theft insurance options. Take a look at our FAQs and learn more about how we can help you get the cover you deserve, at the price you prefer.


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.

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 or EU driving licence. Up to 6 Penalty Points are allowed provided they are not court awarded.

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

Step-back No Claims Discount is an optional extra, which allows you to keep part of your no claims bonus 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 Bonus. (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 Bonus/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 Bonus. (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.

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15% off** Car & Home Insurance

Plus, you could get a free Annual Multi-Trip European policy when you take out a car & a home policy with us & both policies are underwritten by Aviva Insurance Ireland DAC**.

**Discounts applied consecutively and subject to a minimum premium of €355 or €325, depending on the policy underwriter for car insurance, €240 for home insurance and €120 for Contents Only. This offer is applicable to An Post Insurance policies underwritten by Aviva Insurance Ireland DAC. You will get a 15% discount on the second policy you take out. Once this policy is set up, you'll be eligible for one year free multi-trip European travel insurance. When your first policy is due for renewal you will be eligible for the 15% discount for that policy. Full terms and conditions can be found on our promotions page. 

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