Car Insurance FAQs
We've gathered all the details you need to better understand your 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.
24 Hour Breakdown Assistance - help if and when you need it, in Ireland and the UK.
Unlimited windscreen cover when you use our aligned repairer network (applies to third party fire & theft and comprehensive AIG policies and FBD policies; applies to comprehensive Aviva policies only).
No Penalty Points Discount
If you and all named drivers are penalty point free and hold a driving licence capable of incurring penalty points for driving offences in the Republic of Ireland we can offer you a No Penalty Points Discount. Available on AIG and Aviva car insurance policies only.
No Claims Discount
No loss of your No Claims Discount for fire, theft or attempted theft, or windscreen claims.
Cover for personal belongings stolen from your car up to the value of €400*.
Driving Other Cars
DOC allows the policyholder to drive other private cars on a third party basis only. Cover is provided for eligible occupations, age and licence types only. Geographical and vehicle restrictions apply.
Cover to use your car in any EU country free for up to 40 days*.
Fire Brigade Cover Charges
Cover for fire brigade call out charges up to €2,000*.
New replacement car for cars less than 1 year old.
Towing to a Repairer
Cover the cost of towing your car to a repairer in the event of an accident.
Towing a Trailer
Third Party Cover to tow a trailer when the trailer is attached to the insured car.
*this sum is dependent on your car policy underwriter.
We will pay the benefits outlined below to any insured person who is injured while in, getting into or getting out of a private car, while in, getting into or getting out of a train, bus, taxi, aircraft, boat, ship or hovercraft as a fare paying customer or as a pedestrian involving a road vehicle, train or aircraft.
For death, loss of sight in one or both eyes, or loss of one or more limbs we will pay €26,000.
We will pay €130 for each day spent as an inpatient in hospital for up to 20 day.
This cover is available as an optional extra on a Motor Insurance policy at a charge of €12 per policy. It is not necessary to purchase this optional extra in order to purchase a Car Insurance policy.
Keycare is an optional extra for €10 which gives cover to replace your keys if they are lost or stolen, up to €1,500 per year and cover for broken keys up to €100 per annum. It is not necessary to purchase this optional extra in order to purchase this policy.
Covers other people aged between 25-70 with a full EU/UK licence to drive your car. Driver/vehicle eligibility criteria and restrictions may apply
You can have up to two claims over a 3 year period without your No Claim Discount being reduced.
This gives you access to a confidential legal advice help line and will cover your costs if you want to make a claim following a car accident. Motor Legal Protection cover is available as an optional extra on a car insurance policy at a charge of €15 per 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.
The standard policy excess on comprehensive policies is €300. 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 and theft cover.
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 (the end of the transition period). 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.
- Check for injuries, starting with yourself and then the remaining passengers in your car.
- Don’t move any injured parties unless they are in immediate danger from oncoming vehicles.
- 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.
- Do not admit, deny, negotiate or settle a claim without your insurer’s’ permission.
- 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.
- 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.
Be researched - if you're planning to drive a long way to your destination or even to go on a driving holiday, work out your route in advance and make sure you have the relevant maps.
Be lawful - know the laws and regulations for each country you plan to travel to. In France, for example, drivers must carry a high-visibility vest in their vehicles. In Vienna, it's illegal to use your car horn while it’s against the law to run out of fuel on an autobahn in Germany. If you're heading to Spain or France you must carry a spare bulb kit by law.
Be insured - Your policy automatically provides you with cover within the EU for up to 31 days. If further cover is required, please contact us prior to travelling. Always carry your insurance certificate with you.
Be seen - when driving on European roads, motorists must use headlamp converters by law. This is due to the fact vehicles travel on the right-hand-side - the opposite side of the road to Ireland and the UK - meaning motorists could dazzle oncoming traffic with cars designed for Irish and British roads. Fitting headlamp converters will re-position the angle of your beam, ensuring the safety of other road users and giving you the right visibility of the road ahead.
Be compliant - a Euro sticker number plate may appear to be quite a small car accessory to be worrying about, but it is compulsory to have this displayed on your vehicle when travelling on the continent.
Voluntary excess - Consider how much you'd be prepared to pay out if you have to make a claim. The voluntary excess is the amount you volunteer to pay in the event of an accident. If you can afford to pay another €300 as a voluntary excess your annual premium costs may come down. Simply the higher your voluntary excess, the lower your quote will be.
D.O.C. means “Driving Other Cars”.
Dependent 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.
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
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:
- 55% to 30%,
- 50% to 30%,
- 40% to 20% or
- 30% to 10%
- 50% to 20%,
- 40% to 10% or
- 30% or less to nil
- 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.
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 www.billpay.ie
- 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: An 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;
- Your car Insurance policy number.
- The end date of your insurance policy.
- 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.