1. Who do I call to make a claim on my motor insurance?
You should notify the underwriter of the policy about an accident as soon as possible. If you wish to report a new claim or discuss an existing claim, please contact Aviva, the underwriter of your policy on 1890 666 888.
2. What should I do if I have a car accident?
In the event of an accident you should obtain the following information:
a. The names, contact details and car details of all parties involved.
b. The insurance details including the policy number of all parties involved
c. Details of any witnesses to the incident or members of An Garda Siochana /Police that attended the scene of the accident.
You must also:
d. Not admit responsibility, sign any statement or negotiate the settlement of any claim, without the written agreement of Aviva.
e. Complete any form(s) Aviva may send you.
f. Give Aviva all information and assistance required.
g. Notify Aviva immediately of any impending prosecution, inquest or fatal inquiry, writ or summons.
h. Send Aviva, as soon as possible, any writ or summons, letter or other documents you may receive.
i. Provide the registration and insurance details of your car to any other party involved and also An Garda/Police, if requested.
j. If any person is injured, the accident must be reported to An Garda/Police, whether they attend the scene or not. If you do not do so, Aviva reserves the right not to pay a claim.
Aviva are entitled, at any stage during any claim, to take over and conduct the defence or settlement of the claim, and, at their discretion, to pursue the claim for their own benefit the name of any person insured.
3. What should I do if my car is stolen or damaged?
If your car is stolen or damaged as a result of theft or malicious damage, immediately report the matter to the Gardaí. The incident must also be reported to Aviva, the underwriter of your policy on 1890 666 888.
4. What do I do if I damage my windscreen?
Windscreen cover is automatically included for comprehensive policies. On Third party fire & theft policies windscreen cover may be included as an optional extra.
Please refer to your policy schedule to see if cover applies to you or alternatively contact our helpdesk on (01) 4084020.
In the event of windscreen damage, you should notify our approved repairer, All-Glass, as soon as possible on 1890 809 808.
Cover is unlimited where an approved repairer is used; otherwise max cover is €225 for any single event. For more information on approved repairers please contact Aviva on 1890 666 888.
5. Do I have to use an approved repairer?
No, you do not have to use an insurer approved repairer. However, you need to be aware that there may be lower limitations on the amount of cover that will apply if you choose to use someone other than the approved repairers.
To view the policy excess applicable to your policy please refer to policy excess FAQ.
For more information on approved repairers please contact Aviva on 1890 666 888.
6. What is a policy excess?
This is the first amount of any claim you must pay. There are different excesses applicable depending on the age of the driver, the type of claim and the driver’s licence type.
The standard excess on your policy is €300.
There is no excess for third party, fire, theft or windscreen claims.
7. How will a claim affect my insurance?
If you have a claim, it may increase the cost of your premium when your policy is due for renewal. Your No Claim Bonus may also be affected; this depends on the level of No Claim Bonus Protection you have on your policy. Please refer to the policy benefits section or to the No Claim Bonus section.
8. What is a No Claim Bonus?
Every year dependent on your claim experience, you may earn a No Claim Bonus, for which you will receive a discount off your annual insurance premium. The more years No Claim Bonus earned, the higher the discount off your premium, subject to Aviva’s maximum.
If you make a claim on your policy your No Claim Bonus could be reduced to nil at your next renewal unless you have availed of one of our No Claim Bonus Options:
Optional Protected no-claim discount with step back: In any three-year renewal period a policyholder may incur two unlimited claims without impact on his/her No Claims Bonus. Aviva will not take account of claims for windscreen breakage or fire or theft for the purposes of this endorsement. For subsequent claims, no-claim discount step-back applies. You must pay an extra premium for this cover and have 5+ years No Claims Bonus earned.
Optional Protected no-claim discount: You may make up to two unlimited claims in a three year period without losing your no-claim discount. Aviva will not take account of claims for windscreen breakage or fire or theft for the purposes of this endorsement. You must pay an extra premium for this cover and have 5+ years no claims bonus earned. When you have availed of the two claims in a three year period protection provided under this cover you will not quality for further protected no-claim discount for at least three years from the following renewal.
Step back No Claims Discount: If you make a single claim or one arises during any period of insurance, Aviva will reduce your no-claim discount as follows.
50% to 20%
40% to 10%
30% to less to nil
You must pay an extra premium for this cover and have at least 4+ years No Claims Bonus earned.
Please refer to your policy schedule to see what level of cover applies to you or alternatively contact the helpdesk on (01) 4084020.
9. Who should I call if my car breaks down?
Aviva offer a 365 day, 24 hour accident and emergency service, this includes roadside & driveway assistance, towing, replacement car for theft, finishing the journey in Ireland and the UK.
Aviva Breakdown service is available as standard on all Aviva Motorchoice policies and is an optional extra on Aviva Motorbroker policies. Please refer to your policy schedule to see if cover applies to you, alternatively you can contact our helpdesk on (01) 4084020.
In the event of your car breaking down please contact Aviva on 1800 646 545.
10. Can I switch car insurance from one car to another?
Yes, you can avail of a temporary substitution (usually if your car is in a garage getting repaired) or a permanent substitution (if you are changing your car permanently).
In order to change the car on cover, you will need to contact the Customer Service Helpdesk on (01) 4084020. Please ensure before contacting us, you have the make and model, registration, engine size and value of the car you wish to switch to.
11. Who can drive my car?
The car insurance cover is restricted to persons named on the certificate, including the policyholder. Open Driving option (explanation provided below) is available as an optional extra but must be specifically requested.
12. What is open driving?
For an extra premium, with open driving as your selected driving option, you can allow any driver aged 25 to 70 years who are not named on the policy to drive your car once they have a full EU driving licence.
To avail of the open driving option, please contact the customer service helpdesk on (01) 4084020. Terms and conditions do apply.
13. Can I add a temporary driver to my policy?
Yes, Aviva can provide cover up to 31 days; drivers are subject to our normal underwriting criteria and charges will depend on period of cover, driver age and licence type.
In order to add a driver to your policy, you will need to contact the helpdesk on (01) 4084020.
Please ensure you have the name, date of birth, licence type, driving history (convictions, medical conditions, penalty points etc.) and occupation of the driver(s) to be added prior to contacting us.
14. What is driving of other cars?
Driving of other cars allows you to drive other private motor vehicles on a third party basis, provided you do not own the private car and you have a full EU licence. For full conditions please refer to your policy booklet or alternatively contact us on (01) 4084020.
15. Am I insured to drive in Europe?
Full policy cover applies only in the Republic of Ireland and the United Kingdom.
To ensure that your current level of protection is maintained for travel to any other country you must let us know before you make the trip. We will require the dates of your trip and the countries to be visited.
Contact our helpline on (01) 4084020 in advance of your journey if you require an extension of this policy cover.
You must remember to take your policy and Certificate of Insurance with you.
16. How do I make changes to my policy?
Whether you want to add a driver to your car insurance policy, change your address or change your car, you can contact one of our Car Insurance Experts on (01) 4084020. We will discuss the changes to your policy that you need and if there will be any additional charge to your car insurance premium or any change to the terms and conditions of your car insurance policy
17. How do I renew my policy?
Your renewal notice is based on the most recent information supplied by you. If these details have changed, please contact us immediately so we can update your details and issue you with a revised renewal notice if necessary.
It is possible to save money on your car insurance premium. Below are a few ways in which you could reduce your costs:
Review your annual mileage, your level of cover and driving restriction.
If you pass your test, let us know.
Once you have checked your Cover details and are happy, please proceed to payment options below to complete your renewal.
1. RENEW ON MYCORNMARKET
Select Renew Policy from the home page and follow the easy steps. All you need is:
A credit/charge/debit card
If your renewal date has passed, or if you experience difficulty using our online facility, please contact the Customer Service Helpdesk on (01) 4084020.
2. RENEW ONLINE
Log on to www.cornmarket.ie and click on the ‘Renew Your Policy’ button and follow the easy steps. All you need is:
A credit/charge/debit card
Your policy number
Your renewal pin – which is supplied on your renewal notice.
If your renewal date has passed, or if you experience difficulty using our online facility, please contact the Customer Service Helpdesk on (01) 4084020.
3. RENEW OVER THE PHONE
a. BY DIRECT DEBIT
Please note direct debit is not an option on Aviva Motor broker policies.
Premiums will be paid from your bank account over 10 months. A deposit of 30% will be required to be paid upfront and the remaining premium will be paid from your bank account over 10 months. Charges are detailed on the direct debit mandate included in your renewal pack.
4. RENEW BY POST
A cheque or bank draft can be made payable to ‘Cornmarket Group Financial Services Ltd.’ Please send all payments to:
Cornmarket Group Financial Services Ltd.,
Christchurch Square,
Dublin 8.
Who can drive my car?
For AXA customers: Any person who is a named driver on your policy can drive your car. Their name must be stated on the valid insurance certificate.
For all other customers: Any person who is a named driver on your policy can drive your car. Their name must be stated on the valid insurance certificate. Check your certificate to see if you have open drive.
18. How can I get proof of my NCB?
If your policy with us ends at renewal, your renewal invitation will contain proof of your No Claims Discount. If you cancel at any other point in your contract, we will forward proof of your No-Claims discount once your cancellation has been processed.
19. How can I suspend/ cancel my policy?
In order to suspend/cancel your policy we will need written instruction from you confirming the policy number and the suspension/cancellation date. We will also need to know the reason for suspending/cancelling the policy. We require you to return the original Certificate and Disc of Insurance. Once all required documents are received, we can suspend/cancel the policy from the date received or from a future date if specified.
All required documents can be returned to:
Motor Department
Cornmarket Group Financial Services LTD.
Christchurch Square,
Dublin 8.