Help Centre

Yes, all An Post Insurance Car Insurance policies automatically provide cover within the EU. The number of days covered varies by insurer.

Check your policy documentation before you travel.

If you need cover for longer than the standard period, this can be extended upon referral to your insurer and charges may apply.

Contact An Post Insurance  before your trip to arrange. 

Anyone named on your Car Insurance Policy can drive your car. If you have Open Driving on your policy, other drivers can also use your car with your permission, as long as they meet the acceptance criteria set by your insurer:

• AIG and 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: Cover is provided for any person free from accidents, claims, disqualifications, endorsements, and convictions, aged between 30 to 70, holding a full clean Irish, UK, or EU driving licence, with no more than 6 penalty points or 2 fixed charge notices.

Open Driving can be added for an extra cost. It is not necessary to purchase this optional extra in order to purchase a 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.

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 at least 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 An 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.

An Post Insurance works with four leading insurers to provide Car Insurance: Aviva Insurance Ireland DAC, AIG Europe S.A., FBD Insurance plc, and Allianz Insurance plc. When you get a quote, we search across this panel and present you with the most competitive price for your chosen level of cover. 

In order to tax your car online, you will need vehicle registration number.

You no longer need to provide your Car Insurance details. The Motor Insurers' Bureau of Ireland manages the Irish Motor Insurance Database (IMID). The database contains policy holder and vehicle registration details provided by insurers, brokers, fleet owners, and traders. 

Your No Claims Bonus Certificate is included in your renewal notice, which is emailed and/or posted to you approximately 30 days before your renewal date. If you cannot locate your renewal notice or need a separate copy, for example, to transfer your NCD to a new insurer, contact An Post Insurance on 0818 33 33 33. 

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 [email protected]. If emailing us please provide your policy number, name, address and DOB in the body of the email. 

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 [email protected] and one of our agents will call you back to discuss.

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 [email protected] to arrange for a replacement.  Please note this will incur a fee.

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, An Post Insurance, PO Box 1, Freepost, Athlone, Co. Westmeath, email us on [email protected] 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'

It depends on your situation:

• New business quote (not yet purchased): If you have started a quote online and need to make changes before completing it, you can retrieve your quote at anpostinsurance.ie/retrieve-a-quote using your quote reference number and date of birth. You can also make changes by calling An Post Insurance on 0818 33 33 33.

• Existing customer with a renewal quote: If you have received your renewal quote and are happy to proceed, you can pay online at anpostinsurance.ie/existing-customers/car. If you would like to amend, update, or discuss your renewal quote, call An Post Insurance on 0818 33 33 33.

• Existing customer needing to update a purchased policy: If you have already purchased your policy and need to make changes such as updating personal details, adding a driver, or changing your car, call An Post Insurance on 0818 33 33 33 and a team member can help.

Younger and less experienced drivers typically pay more for Car Insurance. Premiums may decrease as you build up driving experience and a claims-free record, depending on insurer rating factors such as your car type, penalty points, and other factors.

As an alternative to our standard Car Insurance product, An Post Insurance also offers BoxClever Telematics Young Driver Car Insurance which uses black box technology to reward safer driving with competitive quotes, helping new and young drivers to save money while building valuable driving experience. To find out more about this product and request a call back for a quotation, call us on 090 648 7255.

Yes, getting a Car Insurance quote is free and there is no obligation to buy. We present you with the most competitive price from our panel of insurers, and you can take your time to decide. Get a quote online today.

Yes, you can get a quote through our online quote form before purchasing a vehicle. A car registration number is not required to get a quote. If you have the registration, your vehicle details will be filled in automatically. If you do not have the registration yet, you can manually select the make, model, and other details. Please note that the price shown is based on the vehicle details you have entered and may change once the registration is provided, as some vehicle specifics (such as import status) may affect insurer acceptance and pricing. 

Yes, you can insure multiple cars with An Post Insurance. Each car requires its own policy. Contact us on 0818 22 22 22 to discuss your options. 

Yes. All An Post Insurance car policies automatically provide cover within the EU. The number of days varies by insurer — please refer to your policy documentation for the specific territorial and time limits that apply. If you need cover for longer, contact us before you travel.

In most cases, yes. Our online quote process takes just a few minutes, and once you’ve accepted your quote and arranged payment, your cover is in place from the time and date you specify. Your Certificate of Insurance will be issued within five working days once all necessary documentation has been returned.

Yes, penalty points can increase your premium. Some An Post Insurance underwriters offer a discount for drivers with zero penalty points, so keeping a clean record has a direct financial benefit. 

A gap in cover is any period of time between the expiry date of your previous policy (or end date of driving experience) and the start date of a new policy. Even short gaps must be disclosed when getting a quote. Most gaps of up to 30 days are acceptable, but requirements vary by insurer. For example, some may request a signed gap-in-cover letter for gaps over 14 days. Longer gaps may affect your quote and you may be asked to explain the reason for the gap and provide proof that you had no accidents or claims during the uninsured period. It is important to keep your Car Insurance continuous wherever possible.

There are several ways to reduce your Car Insurance Premium:

Open Driving is an optional extra that allows other drivers to use your car with your permission, as long as they meet the age and licence requirements set by your insurer.

AIG and Aviva allow drivers aged 25–70 with a full EU/UK licence and no penalty points.

FBD allows ages 25-71 with up to 6 non-court-awarded penalty points.

Allianz allows ages 30-70 with no more than 6 penalty points.

Open Driving can be added for an extra cost. It is not necessary to purchase this optional extra in order to purchase a Car Insurance policy.

A modified vehicle is a car where changes have been made outside the manufacturer's original specification. This includes modifications such as spoilers, alloy wheels, engine upgrades, body kits, or wheelchair adaptations. Modifications must be declared when getting a quote. 

If you use your car for work purposes, your employer may require a Letter of Indemnity from your insurance company. This confirms that the employer is covered under your policy for liability arising from your use of the car in connection with your job. Contact An Post Insurance on 0818 33 33 33 if your employer has requested this. 

Step-back No Claims Discount (NCD) is an optional extra that allows you to keep part of your No Claims Discount if you make a claim. Instead of losing your entire discount, it 'steps back' by a set amount rather than being removed entirely. The step-back scale varies by insurer. With Allianz, step-back is included as standard.

Step-back NCD is not required to purchase a policy. 

Protected No Claims Discount (NCD) is an optional extra that allows you to make one or two claims in a three-year period without losing your No Claims Discount. Windscreen, fire, and theft claims are not counted. The cost is an additional premium on top of your standard Car Insurance. It is not required to purchase a policy. It is available for customers who want to safeguard the discount they have built up.  

This combines both protections. You can make one or two claims (depending on your insurer) in a three-year period without losing your discount. If you make an additional claim beyond that, the step-back applies, your discount reduces by a set amount rather than being removed entirely. Windscreen, fire, and theft claims are not counted. This can be added for an extra cost.

It is not necessary to purchase this optional extra in order to purchase a Car Insurance policy. The cost and terms depend on your underwriter. 

Your No Claims Discount (NCD) usually lasts for two years from the date your last policy in your own name ended. If you have a gap in cover longer than two years, you may lose your accumulated discount. You do not earn NCD unless you are the policyholder. Being a named driver on someone else's policy earns Named Driving Experience, not NCD.  

All Car Insurance quotes are valid for 30 days.

Named Driving Experience (NDE) is written confirmation of your driving record as a named driver on someone else's policy. It shows the dates you were named and your claims history. If you have been a named driver and driven claims-free, you may be awarded a discount when you take out a policy in your own name. The acceptance and discount offered for NDE varies by insurer. 

A No Claims Bonus (also called a No Claims Discount) is a discount on your Car Insurance premium that you earn for each consecutive year you drive without making a claim. The discount increases each year, up to a maximum that varies by insurer. For example, up to 5 years with some insurers and up to 9 years with others. If you make a claim without NCD protection, your discount could be reduced or removed entirely.   

Yes. Car insurance is a legal requirement in Ireland. Under the Road Traffic Act 1961 (as amended), you must have at least third-party insurance to drive a vehicle on a public road. Driving without insurance is a serious offence that can result in fines, penalty points, and disqualification.

No, your No Claims Discount (NCD) can be transferred to a new insurer when you switch. When getting a quote with An Post Insurance, you will be asked to provide your NCD details. However, the discount applied may differ from your current insurer, as each underwriter on our panel assesses NCD differently based on your claims-free history. Your quote will reflect the discount applicable to the underwriter offering the most competitive price for your cover. 

Comprehensive Car Insurance includes cover for accidental damage to your own car, as well as fire, theft, and third-party liability. Third Party, Fire and Theft does not include repairs to your own vehicle if you are at fault, so you could be out of pocket after an accident.

Visit our Third Party, Fire and Theft page for a full breakdown of what is and is not included. 

Yes, An Post Insurance offers Car Insurance for new and first-time drivers, including young drivers aged 17–25. Acceptance criteria vary significantly by insurer. Aviva, AIG, and FBD do not offer cover to first-time drivers with no driving experience or provisional licences. Aviva and AIG also require a minimum full licence holding period (3 years with Aviva, 2 years with AIG), and Aviva only accepts No Claims Bonus, not Named Driving Experience. Allianz is more flexible: it accepts provisional licences (Irish licences only, full or learner) and quotes drivers with no prior driving experience.

BoxClever Telematics Insurance* is also available for first-time drivers with 0 years No Claims Bonus or Named Driving Experience and learner permits, subject to other acceptance criteria. Safe driving may contribute to more competitive premiums at renewal. BoxClever quotes are available by phone only. Call 090 648 7255. 

*BoxClever Car Insurance features and benefits differ from standard Car Insurance. Visit our BoxClever Telematic Car Insurance page for details. 

Windscreen Cover protects you against the cost of repairing or replacing your windscreen or any other car window if it is accidentally broken. With Allianz, cover also extends to the sunroof of the car (except panoramic roof glass). It also covers scratching to the bodywork caused directly by the breakage. Windscreen claims do not affect your No Claims Discount. NCD protection is not required for this to apply. However, all claims including windscreen claims must be disclosed to your insurer, as the number of windscreen claims within a set period may affect acceptance criteria at renewal or when switching insurer. 

If you have Keycare Cover and your keys are lost, stolen, or broken, call the Keycare helpline on 01 905 8770. Keycare covers the cost of replacement keys, the key fob, and any reprogramming of the immobiliser or locking system, up to €1,500 per year. A Keycare claim does not affect your No Claims Discount. Visit our Keycare page for full details.* 

* Keycare cover is an optional extra for €19.76 (incl. government levy) 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. 

You can pay your premium in one annual payment (usually the cheapest option) or spread the cost with a deposit followed by 9 monthly instalments. Monthly payments are available via Direct Debit from your bank account or BillPay at your local post office using cash, cheque, or debit card. A deposit of 20% is required for monthly payments, and a service fee of up to 12% applies. Paying in full avoids this fee. 

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.

Yes. Our premium payment plan allows you to pay over 10 monthly instalments via Direct Debit or BillPay at your local post office. A deposit of 20% is required and a service fee of up to 12% applies. Paying annually is usually cheaper overall. See our payments FAQs for full details.

Being involved in an accident can be stressful. After you have confirmed that everyone involved is safe, check your insurance disc to find out which insurer underwrites your policy. Then contact their claims team as soon as possible using the numbers below:

• Aviva: 1800 147 147
• AIG: 01 859 9700
• FBD: 0818 825 250
• Allianz: 01 613 3990

You will need to provide the date, location, and circumstances of the accident, plus any other driver's details if applicable. Where possible, take photos of the scene and any damage. Your insurer will guide you through the next steps, including arranging an assessment and repairs if needed.

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

Allianz

• Within Ireland: 01 613 3990
• From abroad: + 353 1 613 3990

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

Allianz

• Within Ireland: 01 613 3990
• In the UK: + 353 1 613 3990