Check the details of your insurer on your car insurance certificate. Then call your car insurance provider on the number below. We’ll be there to help too.
Allianz – (01) 613 3990 Aviva – 1800 147 147 AXA – 0818 736 524 Intact– (01) 290 1926 Zurich – 053 915 7775
Voluntary excess on Car Insurance is the amount you agree to pay towards a claim, before your insurer covers the remaining costs. It's an optional amount over and above the compulsory excess set by your insurer. By opting for a higher voluntary excess, you can often reduce your premium.
Here's a breakdown of how it works:
1. Compulsory Excess: This is the amount set by your insurer that you must pay towards a claim.
2. Voluntary Excess: This is an additional amount you choose to pay, which can lower your premium. However, remember that in the event of a claim, you'll need to pay both the compulsory and voluntary excess amounts.
Here’s a handy checklist of what you’ll need to do:
- Take note of the time, date and location
- Make a record of what happened
- Get the name and contact details of the other driver, and any witnesses
- Take note of the licence plate(s) of the other car(s) involved
- Take pictures of any damage
- Note any injuries
- You'll need to call the police if:
· The other driver(s) left the scene without providing their details · You suspect the other driver(s) may have caused intentional damage · You think the other driver(s) could be uninsured · You have reason to believe the other driver(s) is under the influence of drugs or alcohol