Car Insurance

JourneyWise (also referred to as Personal Accident benefit) includes cover in the event of accidental bodily injury to any person named on your policy schedule. We will pay €26,000 in the event of death, loss of sight or loss of arm or leg and we will pay €130 for each day spent as an inpatient in hospital, for up to 20 days. You are covered while getting into or out of a private car, or any train, bus, taxi, aircraft, boat, ship or hovercraft (as a fare-paying passenger). 

This option allows you to have up to two claims in a three year period, without losing your no-claims discount.

We will not take into account claims for windscreen breakage or fire or theft for the purposes of this optional cover.

If you make a single claim or one arises during any period of insurance, we will reduce your no-claims discount as follows:

5 years no claims - 50% discount reduces to 20%
4 years no claims - 40% discount reduces to 10%
3 years no claims or less - 30% discount reduces to nil  

With this option you can allow any driver aged 25 to 70 years to drive your car once they have a full EU licence. 

The policy excess is the amount we will ask you to contribute towards the cost of a claim for accidental damage under your policy if you are covered comprehensively (accidental damage cover does not apply to third party, fire and theft cover).

The standard policy excess is €300. You can choose to increase or reduce this excess by agreeing to a reduced or increased premium. Here's your options:

Reduced excess
We will reduce your excess to €125 in return for a 5% increase on your premium (this option is only available if you hold a full E.U. driving licence).

Increased excess
We will increase your excess to €600 in return for a premium discount of 5%.