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.
If you break down at home, at work or even at the side of the road, a competent repairer will be sent to assist you with your car’s recovery. If the car is not driveable due to mechanical fault you will be covered for the cost of towing your car to the nearest garage or to your own garage whichever is closest. (1)
*available on comprehensive policies only for policies underwritten by Allianz plc.
1) The driver must stay with the car while the work is being carried out. The cost of the first hours labour is covered for policies underwritten by Aviva, AIG & FBD. For policies underwritten by Allianz plc a limit of 50km/30 miles to the nearest repairer/own garage whichever is closest applies.
Make sure you can see clearly with unlimited windscreen cover when you use our insurers' aligned repairer network.
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 and Allianz policies only. Can be added to Aviva and Allianz third-party fire & theft policies at an additional charge. It is not necessary to purchase this optional extra in order to purchase a policy.)
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 to the value of €150 to €775 depending on your Insurer.
*available on policies underwritten by Allianz plc if the optional extra Protected No Claims Discount is purchased. It is not necessary to purchase this optional extra in order to purchase a policy.
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 60 days*.
Fire Brigade Cover Charges
Cover for fire brigade call out charges up to €2,025*.
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.
*dependent on your car policy underwriter.
~available subject to terms and conditions on policies underwritten by Allianz plc if an additional No Claims Bonus protection package is purchased
This is a summary of the standard benefits available please refer to your Policy Schedule and Policy Booklet for further information on your specific cover and applicable terms and conditions that apply.
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.
This cover option varies depending on the underwriter of your policy. Please refer to your policy underwriter policy booklet on our Documents & Form page for full details.
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.
Covers other people with either a full EU licence or a full UK licence to drive your car. Certain age, occupation and other restrictions apply which depend on your underwriter.
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
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 €12.60 per policy. It is not necessary to purchase this optional extra in order to purchase a car insurance policy.
Depending on your policy underwriter, you can have either one or two unlimited claims within a three-year period without your No Claims Discount being affected.
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 third-party claims. No excess applies to fire & theft claims for Aviva, AIG & FBD. The policy excess is applicable for Fire and Theft claims for Allainz
Your Policy
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, 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 & no more than 6 penalty points or 2 fixed charge notices.
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.
In order to tax your car online, you will need Vehicle registration number.
You no longer need to provide your car insurance details anymore. 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.
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'
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.
An Post Insurance have 4 car insurance providers available to our car insurance customers;
- Aviva Insurance Ireland DAC
- AIG Europe S.A.
- FBD Insurance plc.
- Allianz Insurance plc.
Your No Claims bonus Certificate can be found in 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 [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.
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, Allianz 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.
*available on policies underwritten by Allianz plc if an additional No claims bonus protection package is purchased.
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.
Keycare is administered by Keycare Assistance Limited and underwritten by MAPFRE ASISTENCIA Compania Internacional De Seguros Y Reaseguros, S.A., trading as MAWDY.