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Car Insurance FAQs

We've gathered all the details you need to better understand your car 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.

Your Policy or Renewal

You may be insured to drive other cars depending on your license type and occupation. Please refer to your policy documents for full details. 

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

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

If Open Driving is on your policy;

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.

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

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

Every customer is issued with a renewal notice prior to the end of their current car insurance 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 to renew on 0818 33 33 35.

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 and return it to us, along with your cert and disc of insurance at our freepost address: An Post Insurance, PO Box 1, Freepost, Athlone, Co. Westmeath.

If your circumstances change, 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.

In order to tax your car online, you will need the following details:

  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 phone us on LoCall 0818 33 33 33 and we will be happy to resolve any issues.

Every customer is issued with a renewal notice prior to the end of their current policy.   You can renew your car insurance policy using the following options;

If you are paying by Direct Debit and you do not wish to renew you must contact An Post Insurance at least 10 days prior to your renewal date to ensure we do not present your direct debit to your bank for payment'

To renew your policy online simply visit our payments portal and enter your Quote or Policy Reference Number and your Date of Birth to be directed to your payment link.  

If you need to make any changes or speak to one of our representatives you can call 0818 33 33 35 Monday to Friday from 8.45am to 6.15pm or Saturday from 10am to 2pm.

An Post Insurance have 3 car insurance providers available to our car insurance customers;

  • Aviva Insurance Ireland DAC
  • AIG Europe S.A.
  • FBD Insurance plc.

Your No Claims Bonus Certificate can be found on page six of your Car Insurance Renewal Notice. 

In order to update your personal details on your car insurance policy simply call one of our agents on 0818 33 33 33 or email info@anpostinsurance.ie.

If you wish to add a named driver to your existing car insurance policy simply call one of our agents on 0818 33 33 33 for a quote or email info@anpostinsurance.ie and one of our agents will call you back to discuss.

You may be insured to drive other cars depending on your license type and occupation. If applicable, driving of other cars would apply to your policy on a Third Party basis only for FBD and AIG policies and Fully Comprehensive on Aviva policies. Terms and conditions apply, please refer to your policy documents for full details of the cover applicable to your Underwriter, the type of vehicles covered, applicable limits and exclusions. 

Yes, our car insurance policies cover loss or damage to personal belongings in the car caused by fire, theft or accident.  Cover limits apply depending on the underwriter of your car insurance policy and those applicable to you will be outlined in your policy documentation. 

If you lose or misplace your insurance disc, you must contact An Post Insurance at the earliest possible stage on 0818 33 33 33 or email info@anpostinsurance.ie to arrange for a replacement.  Please note this will incur a fee.

Cover Options 

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 car insurance 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.

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

Voluntary excess - Consider how much you'd be prepared to pay out if you have to make a claim.

You could reduce the cost of your car insurance premium by increasing your standard excess from €300 to €600.

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.

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.

A modified car relates to cars where changes have been made outside the manufacturer’s specification. Examples of modifications include, but are not limited to modifications for a wheelchair, spoilers, alloys etc.

Where the policyholder uses the car in connection with their job, their employer may in some cases require a letter of indemnity from the insurance company. 

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.

All car insurance quotes are valid for 30 days.

Payments

Our premium payment plan allows you to pay your premium over 10 monthly instalments. You can choose to pay your instalments using the following options: 

  • BillPay at the Post Office - using cash, cheque or debit card
  • Online at www.billpay.ie
  • 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.


Yes, to change the date your monthly payments are collected, simply call us on 0818 33 33 30 or 090 648 7377 and we can look after this for you.

If your payment is overdue by 3 days, 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 An 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.

If you are paying by Direct Debit and you do not wish to renew you must contact An Post Insurance at least 10 days prior to your renewal date to ensure we do not present your direct debit to your bank for payment.

Claims & Emergencies

If you are involved in a car accident you should follow these steps:

  1. Check for injuries, starting with yourself and then the remaining passengers in your car.
  2. Don’t move any injured parties unless they are in immediate danger from oncoming vehicles.
  3. Call the emergency services, providing as much detail about the car crash as you can such as the location of the car crash, number of people and vehicles involved, and injuries sustained.
  4. Do not admit, deny, negotiate or settle a claim without your insurer's permission.
  5. Take note of the following third-party details: names, addresses and phone numbers. The address of the owner of the vehicle you are driving if it’s not your car. The car insurance company name and the insurance policy number as well as the driver's licence numbers. Vehicle’s registration numbers car’s year, make, model and colour. Keep a record of the name, address and phone number of any witnesses. Take photos of the position of and damage to each vehicle involved in the collision.
  6. Notify the local Garda station immediately.

Please note: You should always let your insurer know immediately about any event that may give rise to a claim under your policy. You can find the correct phone number to call here.

If you are involved in an accident, check your insurance disc to see who is the underwriter of your policy and call their number to register the claim and get further help and advice. Please notify your underwriter as soon as possible after the accident occurs.

Aviva

  • Within Ireland: 1800 147 147
  • From abroad: +353 91 52 5311

AIG

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

FBD

  • Within Ireland: 0818 825 250
  • From abroad: +353 1 761 7658

Breakdown Rescue and Breakdown Assistance provides 24-hour emergency support if your car breaks down. This covers 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 the car, etc. Additionally, it covers towing your car to the nearest repairer or getting you home if it can’t be repaired.

To access Breakdown Assistance, you will need to check your policy documents or insurance disc for the underwriter relevant to you and call the corresponding number below:

Aviva

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

AIG

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

FBD

  • Within Ireland: 0818 11 22 31
  • In the UK: +353 91 560 610

Please check your Policy Schedule to ensure you have Keycare on your policy. 

If included on your policy, do the following to access your Keycare benefit:

  1. Report your stolen keys to the Gardaí immediately and get a crime reference number.  
  2. Call Keycare at 01 431 9639 as soon as possible and within 45 days of the insured event. You must have your fob number, found on your Policy Schedule, and crime reference number from Gardaí. 

If your car is damaged in an accident you should check your insurance disc to see who is the underwriter of your policy. Call their number, provided below, as soon as possible after the accident occurs, with your insurance policy number and car registration. Our underwriters will help you register the claim and provide you with advice you can trust and care you can rely on. 

Aviva

  • Within Ireland: 1800 14 71 47
  • From abroad: +353 91 52 5311

AIG

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

FBD

  • Within Ireland: 0818 82 52 50
  • From abroad: +353 1 761 7658

COVID-19

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 info@fbd.ie 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 0818 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.

      Brexit

      Following the ratification of the Withdrawal Agreement on Friday 31 Jan 2020, the UK are no longer a member of the EU. Under the arrangements in place, UK/NI driving licences held by residents of Ireland will continue to be valid up to 31 December 2020. As and from the 31 December 2020 a UK licence held by residents of Ireland will no longer be valid to drive here in Ireland.

      For that reason, UK licence holders resident in Ireland should take steps to exchange their licence for an Irish one well in advance of that date. For the most accurate and up to date information on the validity of your licence please visit the RSA website.  

      No, you do not need a Green Card to drive in Northern Ireland & the UK. However, you do need proof of insurance such as a valid Irish insurance disc which will act as proof of insurance when driving an Irish registered vehicle in the UK, including Northern Ireland. If you already have a Green Card, check the expiry date and if still in date this will also be accepted as proof of valid insurance.