Nurses Car Insurance Scheme - Silver Features & Benefits

Significant features of our silver car Insurance product

Depending on the terms, exceptions and conditions of this policy, the following will apply:

1 Windscreen Cover

If you use our aligned windscreen repairers there is no limit on cover. A limit of €225 for any single event will be applicable if any other repairer is used. Any payment will have no effect on your no claims discount, and we will not ask you to pay any excess if you claim.

2 No Claim Discount Protection: Fire/Theft/ Windscreen

Any payment we make for fire, theft, or windscreen claims will not affect your No Claims Discount.

3 Step Back No Claim Discount

(automatically included)

If you make a single claim or one arises during any period of insurance, we will reduce your no claim discount by three years e.g. 50% to 20%, 40% to 10%, 30% or less to nil.

4 Breakdown Rescue

The following types of breakdown are covered: mechanical breakdown, fire, theft or attempted theft, malicious damage, punctures that need help to fix or to replace a wheel, lost keys, stolen keys and keys broken in the lock or locked in the car.

Please call 1800 646 545 for more details

5 Driving Of Other Cars: Third Party

The Nurses Silver product provides the policyholder with third party cover when he/she drives a private car that is owned by someone else. The policyholder must hold a full EU licence.

6 Excess

The standard policy excess is €300. 

7 Legal Expense Cover (Das)

Accident loss recovery and personal injury

Motor Legal Defence

Motor contract disputes

Legal advice Helpline service

Counselling Helpline service LoCall 1850 670 747. 

8 No Claim Discount Protection: Malicious Damage Cover In Work Grounds

We will pay for loss of or damage to your car caused by wilful or malicious damage by anybody, within the confines of your permanent place of employment. The amount payable will not exceed the current market value of the car at the time of the incident. Any payment made under this section will not affect your no claims discount.

9 Reducing Accidental Damage Excess

If you have an accident, which gives rise to a claim under the policy and, at the time of the incident you are insured with Aviva for a period in excess of twelve months, the accidental damage excess will reduce by €100 for every year you renew with us. This will only apply when an approved repairer is used.

10 €0 Accidental Damage Excess

If you have an accident, which gives rise to a claim under the policy and at the time of the incident you are driving in connection with your profession as a Nurse, the excess will be waived at the time of the claim if you use an aligned repairer.

11 Personal Belongings Cover

We will pay up to €500 for any one event for any loss of or damage to personal belongings in the car caused by fire, accident or theft (not including certain items such as money, stamps, documents, jewellery, mobile phones, iPads, laptops, etc.).

A €100 excess applies but there will be no effect on your No Claim Discount.

12 Foreign Use

We will automatically extend your policy to provide full policy cover within the EU. This cover will last 90 days in any period of insurance for the policyholder’s car.

13 Fire Brigade Charges

We will pay up to €1,000 to cover the cost of fire brigade charges which you have to pay as a result of the fire brigade being called to control or put out a fire in your car, and to remove you or your passengers from the car. We will pay this benefit only if there is a valid claim on your policy for the event.

14 Replacement Lock Cover

Provides cover for replacing door, boot, ignition, steering lock and lock transmitter, and the central locking interface if your keys or lock transmitter are lost or stolen and any person who may have your keys or transmitter is likely to know where you keep your car. There is no excess and any incident under this section has no effect on your No Claim Discount.

15 New Car Concession

If your car is less than one year old when stolen (and not recovered), or when damaged (in a single incident) resulting in a repair or reinstatement cost of more than 50% of the current Republic of Ireland list price of the car when new, we will offer to replace the car with a new vehicle of the same specification (make/model), provided it is available in the Republic of Ireland.

16 Automatic Temporary Substitution

We provide cover, as standard, on any private car up to 2000cc (2 litres) loaned to you or a permitted driver shown on your certificate of motor insurance, for up to seven days by a registered garage or vehicle repairer while your own car is repaired. This cover only applies to drivers that qualify for the driving of other cars benefit.

17 Radio/Audio Equipment/Satellite Navigation Systems

We provide cover for loss or damage to radio, hi-fi, car phone or CB equipment up to €1,000.

18 Open Driving (Optional)

For an extra premium, with open driving as your selected driving option, you can allow any driver aged 25 to 70 years to drive your car once they have a full EU driving licence.

19 Child Seat Cover

We will pay for any loss of or damage to a child car seat in the car caused by fire, theft, attempted theft or accidental means. We will not pay for any amount over €350 for each child seat claimed for, or €700 in total, whichever is less.

20 Misfuel

If the incorrect fuel type is put into the fuel tank of your car, we will pay for the extraction of the fuel from the tank and fuel lines including the cleaning of the engine components up to €700 on a comprehensive policy

Devised & administered by Cornmarket Group Financial Services Ltd. Car Insurance is underwritten by Aviva Insurance Ireland DAC. Aviva Insurance Ireland Designated Activity Company, trading as Aviva, is regulated by the Central Bank of Ireland. A private company limited by shares. Registered in Ireland No. 605769. Registered Office: One Park Place, Hatch Street, Dublin 2, Ireland, D02 E651. The details provided are correct as of the effective date of the policy. For full details of your insurance cover, please read your Statement of Fact, your Schedule, and your Policy Terms and Conditions as together they form the basis of your contract with Aviva Insurance Ireland DAC who is the underwriter of your car insurance policy.