An Post Insurance aims to make Car Insurance easy to understand for everyone. We have developed a comprehensive list of frequently asked questions and answers.

An Post Insurance is an insurance intermediary and currently partners with three underwriters in providing car insurance policies.  Each of these three underwriters has responded differently to the unique circumstances of the COVID-19 lockdown.  As a result, what is on offer to you as a car insurance policyholder differs according to your policy underwriter.  The different offerings are outlined below. 

Although not directly involved in the refund distribution itself, An Post Insurance has introduced a number of measures to support all car insurance policyholders throughout the COVID-19 lockdown. 

These include the option to suspend your policy free of charge and waiving of direct debit defaults fees during these difficult financial times. For more information on our COVID-19 measures click here.

Aviva COVID-19 Rebate Information  

Aviva advised that they are committed to continue supporting car insurance customers through more relevant and impactful supports and believe they can provide more value through a competitive quote on renewal. They have said that it is too early to have a clear picture of the financial impact of the restrictions of COVID-19 on motor insurance claims.They have put a number of existing measures in place to support customers at this time.

     FBD COVID-19 Rebate Information        

FBD have confirmed that a rebate to policy holders will be issued in the form of a €35 One4all gift card.  This will be issued to all insurance customers who hold an FBD standard private car, commercial van or jeep policy as of March 31st 2020. Customers will receive their gift card in the post over the coming weeks and there is no need for further action for those eligible to receive the cards.  Please note that customers' contact details will be shared with One4all to enable distribution of the gift cards. Customers who wish to opt out should contact FBD at before June 5th. 

Using One4all cards is the fastest and most efficient method to provide rebates for such a large number of customers and the cards can be used at over 8,500 shops nationwide, online and to support 29 charities during this challenging period.  FBD have also indicated that they may look at the refund policy again if extended Covid19 restrictions on movement result in sustained lower road usage and claims frequency through the summer period.

     AIG COVID-19 Rebate Information


AIG has introduced a range of measures to support customers through COVID-19, including priority repairs, free breakdown service and courtesy car for HSE and frontline professionals. Low traffic volumes, due to the restrictions on movement in order to contain the spread of the Coronavirus, have resulted in lower-than-expected claims costs. AIG has committed to passing on savings which result from the change in the underlying risk environment through price reductions at policy renewal. AIG believes the most meaningful way to offer value to customers is not by one-off rebates but through the renewal cycle. AIG is pleased to be offering customers a 4% discount on their AIG premium at renewal. 

AIG has confirmed that they are introducing an individual “Reduced Driving Period Discount” to reflect savings during the COVID-19 pandemic. An Post Insurance customers whose car policies are due for renewal with AIG between 1st August 2020 and 31st July 2021 will have a discount applied to their renewal premium. The applicable discount amount will be displayed on the premium breakdown of each renewal invitation.

Can I suspend my policy if my car is out of use for a period of time?

  • Yes, you can suspend your policy if your car is out of use for 28 days or more. Simply call our Customer Care Team on 1890 22 22 22 to inform them of this change, the level of cover you require while your policy is suspended and return your cert and disc to our Freepost address PO BOX 1, Athlone, Co Westmeath.

Will I get a refund for this time?

  • Yes, providing there has been no claims or losses during the current period of Insurance, you will receive a refund for the period of suspension. The period of suspension starts from the date An Post Insurance receive your returned cert and disc or the date that you requested in writing, whichever is the later.

How does the refund work if I am paying monthly instalments?

  • If you are paying for your car insurance in monthly instalments, your monthly payments will still be due during this suspension period. Your refund will be paid either in full, if you are not on an instalment payment plan, or deducted from your monthly payments once the policy is reinstated.

How is this refund calculated?

  • You have the option of removing all cover from your vehicle during this time or leaving Third Party Fire and Theft Cover in place. Once the cover is suspended for more than 28 days, the refund amount will be based on the period of suspension, and the level of cover still left on the vehicle.  

Can I drive other people’s cars during this suspended time?

  • No, you are not insured to drive other cars during the period of suspension.
    Can other people drive my car?
    No there will be no cover in place for anyone to drive the vehicle that is suspended.

D.O.C. means “Driving Other Cars”.

Dependant on the licence type and occupation, driving of other cars extension may apply to your policy on a Third Party only basis. Please refer to your policy documents for full details

Anyone that is named on your policy can drive your car.

If Open Driving is on your policy;

AIG & Aviva Policies: 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: 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 allowed provided they are not court awarded.

Excess is the amount you, as the policyholder, must pay towards any claim you make. In the case of standard excess, you will pay the first €300 yourself. You have the option to increase the excess to €600, which will reduce your premium or you may decrease the excess to €125, which will incur a slight additional Premium. No excess applies to windscreen claims or to third party fire & theft cover.

If your previous car insurance has expired over 30 days ago, this represents a Gap in Cover. Reasons for this gap must be given and if applicable proof of no accidents or claims will be required.

Provided Keycare is on your policy, if your keys have been stolen it must be reported to the Gardai immediately and a crime reference number obtained before Keycare can deal with your claim.

If you have misplaced your keys, you should call Keycare as soon as possible and within 45 days of the insured event.

To make a claim call 01 431 9639 and quote the fob number, which can be found on your Policy Schedule.

Please notify your underwriter as soon as possible after the accident occurs on the relevant number below;

Within Ireland: 1890 666 888
From abroad: +353 91 52 5311

Within Ireland: 01 859 9700
From abroad: +353 1 859 9700

Within Ireland: 1890 825 250
From abroad: +353 1 761 7658

Breakdown Rescue Cover includes cover for roadside and driveway assistance with up to one hour's free labour in the event of a mechanical breakdown, malicious damage, punctures, lost or stolen keys, keys broken or locked in car, etc. It covers towing your car to the nearest repairer or getting you home if it can’t be repaired.

You should check your policy documents or insurance disc for the underwriter relevant to you and call the corresponding number below

Within Ireland: 1800 34 34 35
In the UK: +44 161 210 2113

Within Ireland: 01 804 4328
In the UK: +353 1 804 4328

Within Ireland: 1890 945 061
In the UK: +353 91 560 610

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.

Windscreen damage constitutes accidental breakage of the windscreen or any other car window (excluding sunroof) and scratching of bodywork resulting solely and directly from such breakage.

This relates to any changes outside of the manufacturer’s specification that may have been made to your car e.g. modification for a wheelchair, spoilers, alloys etc.

This applies to persons who use their car in connection with their job. The employer will in some cases require a letter of indemnity from the insurance company. This means that if the insured has an accident while driving the car for work, the employer will not be held liable. This applies to those who use their car for work in some cases.

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.

Your policy will automatically provide you with cover within the EU. Please refer to your policy documentation for the number of days cover provided.

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

Your cover is in place from the time and date you specify to our agent and pay your first instalment.

With our premium payment plan you can pay your premium over 10 monthly instalments. You can select to pay your instalments as follows:

  • By BillPay at the Post Office - using cash, cheque or debit card
  • By
  • By Direct Debit from your Bank Account. In this instance, you must pay your first instalment over the phone or by cheque, money order, credit card or debit card
  • You can then pay your remaining instalments automatically by Direct Debit from your Bank Account

  • Please note: a deposit of 20% is required for the first instalment and a service fee of up to 8% applies.

If you are overdue 3 days with a payment, your policy will fall into arrears. You will receive an SMS to the mobile number you provided advising you of this. If after 10 days you are still late with your payment we will issue a registered letter advising you that your policy will cancel in 10 days. If/when your policy cancels Post Insurance will advise the relevant underwriter and authorities of this and you will no longer be covered should you have/or become involved in an accident.

Should you wish to cancel your policy, you must send written instruction, inclusive of your policy number, and return your cert and disc of insurance to Post Insurance. A cancellation fee may apply. You can simply fill in the cancellation form (found on the car Documents & Forms page on our website) and return to us, along with your cert and disc of insurance at our freepost address: Post Insurance, PO Box 1, Freepost, Athlone, Co. Westmeath.

You must contact An Post Insurance at the earliest possible stage. Any changes that are made may increase /decrease your premiums. Please note some adjustments to your policy may incur a fee.

Every customer is issued with a renewal notice prior to the end of their current policy. If you are paying by Direct Debit and you do not wish to renew you must contact An Post Insurance 10 days prior to your renewal date to ensure the policy does not rollover. If you normally pay your premium by any other method you will need to call us on 1890 22 45 45.

You will need the following;

1. Your car Insurance policy number.

2. The end date of your insurance policy.

3. The underwriter of your insurance policy – It is important you check who the Underwriter of your policy is, An Post Insurance is not the correct answer here.

All the above information can be found on your certificate of insurance or on your insurance disc displayed in your car window. 

We are always grateful for feedback and are dedicated to ensuring our customers are satisfied with the service they receive. Please contact the Customer Service Manager, PO Box 1, Freepost, Athlone, Co. Westmeath or LoCall 1890 22 11 11 and we will be happy to resolve any issues.