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Help Centre

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Car Insurance Policy

Our insurance policies provide cover, care and lots of great features and benefits. Read more about your policy details here. 

Standard Benefits 

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).

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 for personal belongings stolen from your car up to the value of €400*.

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 loss of your No Claims Discount for fire, theft or attempted theft, or windscreen claims.

Driving Abroad

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*.

Replacement Car

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.

Optional Extra Benefits 

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.

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

Keycare 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.

This cover is available as an optional extra on a motor insurance policy at a charge of €10 per policy. It is not necessary to purchase this optional extra in order to purchase a car insurance policy. 

The benefit 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.)

This cover is available as an optional extra on a motor insurance policy. It is not necessary to purchase this optional extra in order to purchase a car insurance policy.

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.

Your Policy

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 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.

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

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

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

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

      You should 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: 1890 945 061
      In the UK: +353 91 560 610

      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.

      Your 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 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.

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

      If your keys have been stolen it must be reported to the Gardaí 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.

      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.

      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.

      Yes, simply call us on 1890 92 71 28 and we can look after this for you.

      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.

      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.

      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.

      Get our best car quote online

      We've made it easy to get our best quote online. It only takes 3 minutes, and you could get up to €60* off your car insurance!

      *15% or €60 discount will be applied (whichever is the lower). Acceptance criteria, T&Cs apply, subject to minimum premium of €320. Discounts applied consecutively, new business only.

      Keycare cover 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