Car Insurance FAQs

Car Insurance FAQs

What do I do if I damage my windscreen?

For RSA customers: Firstly, refer to your policy booklet to see what level of cover applies to your policy. Use the recommended windscreen repairer, Autoglass, to ensure you get the most out of your cover. Contact Autoglass on 1850 363 655.

For Aviva customers: Firstly, refer to your policy booklet to see if this cover applies to your policy. To get the most out of your cover, please ensure you use one of the recommended repairers. Contact Autoglass on 1850 363 655 or Mr Windscreen on 1850 512 345.

For Allianz customers: Firstly, refer to your benefit sheet to see if this cover applies to your policy. To get the most out of your cover, please ensure you use one of the recommended repairers. Call Allianz on 1890 779 999 for more information.

For AXA customers: Firstly, refer to your booklet to see if this cover applies to your policy. To get the most out of your cover, please ensure you use one of the recommended repairers. Call Autoglass on 1850 363 655 or Allied Irish Windcreens on 1850 512345. Alternatively, contact AXA claims on 1890 247 365.

Do I have to use the approved repairer?

No you do not have to use the approved repairer. However, you need to be aware that there are lower limitations on the amount of cover that will apply if you choose to use someone other than the approved repairers. Please refer to your policy booklet for more details.

Who should I call if my car breaks down?

For RSA customers: If your car breaks down, please contact the 24 hour accident and breakdown rescue service provided by this policy on Freephone 1800 377 700.

For Aviva customers: If your car breaks down, please contact the 24 hour accident and breakdown rescue service provided by this policy on Freephone 1800 646 545. Please contact us on (01) 408 4020 to confirm if cover is applicable on your product.

For Allianz customers: If your car breaks down, please contact the claims helpline on 1890 779 999.

For AXA customers: If your car breaks down, please contact the claims line on 1890 247 365.

Can I switch my insurance to a temporary vehicle while my car is in the garage?

Yes. Just call our helpline (01) 4084020 and we will assist you with this. All changes are subject to acceptance criteria.

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.

Am I covered to drive other cars?

Please refer to your policy booklet to see what cover applies to your policy.

Does my policy include open drive?

Anyone who drives your vehicle should be named on the policy. Some of our policies include Open driving. Please refer to your certificate of insurance to see if this benefit applies to you.

What happens if I’m involved in an accident?

Report the accident to the Gardai immediately. If the accident involves injury to people you are required by law to report the incident to the Gardai or local police (if abroad) as soon as possible and in any case within 24 hours.

Note the registration of any vehicles involved.

Exchange names, addresses, driving licence & car insurance details with anyone involved. Try to obtain the names and addresses of any witnesses.

This is a stressful situation so don’t be pressurised by others at the scene into admitting any fault on your part. When you’ve had time to recover and look at the facts, things may in reality be very different.

If possible, draw a basic diagram of the accident location to include approximate road measurements, road signs, markings, traffic signals and vehicles involved. Take details of all injuries and damage sustained. If you have a mobile phone with a built-in digital camera, you could also take some photos.

For RSA customers: Notify the underwriters of the policy about the accident as soon as possible by calling 1890 290 236. You also have Legal Assistance as part of your policy please contact DAS Legal as soon as possible on 1850 670 747.

For Aviva customers: Notify the underwriters of the policy about the accident as soon as possible by calling 1890 666 888. You may have Legal Assistance as part of your policy please contact our office to confirm your cover and for further details.

For Allianz customers: Notify the underwriters of the policy about the accident as soon as possible by calling 1890 779 999.

For AXA customers: Notify the underwriters of the policy about the accident as soon as possible by calling 1890 247 365.

What is an 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 whether an approved repairer is used. For more information please refer to your policy booklet.

How do I make a change to my policy?

Whether you want to add a driver to your car insurance policy, change your address or you 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.

How can I get proof of my no claims discount?

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.

Can I add someone to my policy?

Yes, but conditions, limits or additional premiums may apply. Please contact our helpline on (01) 4084020 to find out more.

How can I reduce my car insurance premium?

It is possible to save money on your car insurance premium. Below are a few ways in which you could reduce your costs:

  • If you pass your test, let us know.
  • If your partner/spouse has a car this can reduce your premium
  • Review your mileage, your level of cover and driving restriction. 
  • Use the approved repairers to save money on your excess in the event of a claim.

For more details, call us to review your policy on (01) 4084020.