Please read this document carefully. This doesn’t contain the full terms and conditions of cover, but highlights the main features and benefits depending on the applicable Policy Cover, and significant or unusual exclusions that apply to the Policy as a whole. A significant exclusion is something which may affect your decision about whether this policy meets your needs. Full terms and conditions can be found within the Policy Booklet which is available at www.rsagroup.ie
This policy is underwritten by RSA Insurance Ireland Limited (RSA). RSA Insurance Ireland Ltd is regulated by the Central Bank of Ireland.
Depending on the terms, exceptions and conditions of this policy, the following will apply:
No penalty on your No Claims Bonus for fire/ theft or windscreen claims. Automatic cover for 1 unlimited claim within a 3 year period without affecting your No Claims Bonus at renewal. If you have No Claims Bonus Protection and have a claim that would otherwise have affected your earned NCD years, your earned NCD years entitlement will be maintained but not advanced.
Comprehensive policies now have automatic comprehensive cover for the policy holder whilst driving other private motor cars where the car falls within the Scheme vehicle acceptance criteria and is not valued at more than €50,000. Third Party Fire and Theft policies have automatic third party cover for the policy holder whilst driving other private motor cars where the car falls within the Scheme vehicle acceptance criteria (see point 7).
If you use the recommended windscreen repairer, Autoglass 1850 363 655, up to €600 cover applies for Comprehensive and Third Party Fire and Theft policies. If you do not use the recommended windscreen repairer the maximum amount payable is €225.
Temporary replacement car hire of a similar vehicle for up to 7 days for loss or damage claims. For theft claims this is increased to 14 days and theft claim will be settled after 14 days.
Automatically included which means that in the event that you claim (i.e. excluding malicious damage, fire/theft claims or claims within the partial no claims bonus limit) you will not lose your full No Claims Bonus. Instead, your No Claims Bonus will be stepped back by 3 years.
Valid for driving within the EU for a single trip of up to 30 days. Contact our Helpline in advance of your journey if you require an extension to this Policy Cover.
The value of the vehicle does not affect your premium as long as it does not exceed the maximum value allowed of €100,000 for Comprehensive policies and €25,000 for Third Party Fire and Theft policies. The scheme will accommodate vehicles up to 5,000cc but excludes modified or high performance vehicles. Commercial vehicles/vans are also excluded.
There is no policy excess for windscreen claims. The standard policy excess is €250 for own damage. For drivers aged 17 - 24, the excess is €500. Excess will be reduced by €75 where an approved repairer is used. In the event of claims arising from vehicle being driven into flood waters the applicable excess is doubled.
Claims occurring whilst the car is within a designated parking space in work grounds carry an excess of €100. No premium penalty at renewal (Comprehensive policies only).
Spouses/partners can join the scheme once their occupation is ‘Class 1’ (call the Helpline for details).
If the insured vehicle is damaged beyond economic repair within 12 months of being purchased as new, the insured vehicle will be replaced by a new vehicle of the same make and model.
€30,000 benefit for death/injuries sustained by the driver (policy holder and/or spouse) of the insured car. Certain limits apply.
Named drivers from the age of 17 with full or provisional licence can be added to the policy. Additional charges may apply.
Provides open driving for full licence holders aged between 25 to 74 (with no accidents for 3 years and no convictions for 5 years).
Replacement of locks/keys to the value of €1,000 following theft of keys from the insured’s home. No excess applies and no loss of No Claims Bonus.
Automatically included up to a maximum of €1,000.
No loss of No Claims Bonus if policyholder is not at fault for an accident with a known uninsured third party.
Cover of up to €500 is provided if personal items and/or equipment used in the course of the insured’s occupation or profession are damaged in an accident or stolen from a locked boot or locked glove compartment within the car. Baby equipment will also be replaced if damaged in an accident. Cover does not apply for the first €50 of each and every claim. Conditions apply.
Audio equipment, sat navs, car phones and games consoles that are permanently fitted to the car are all covered up to the value of €1,000.
Up to €130 per occupant for each day spent in hospital – max 20 days.
The above options are at the discretion of the assistance company.
Freephone 1800 377 700
LoCall 1850 670 747
Damage to third party property is covered up to €30,000,000.
If your policy is comprehensive, cover is provided for loss of or damage to the insured vehicle. The maximum payment for any loss or damage under this Section will be the market value of Your Car immediately preceding the incident but will not exceed any value declared to us prior to the loss.
Devised and administered by Cornmarket Group Financial Services Ltd. Underwritten by RSA Insurance Ireland Limited. RSA Insurance Ireland Limited is regulated by the Central Bank of Ireland. The details provided are correct at the time of going to print (July 2014). The Insurers reserve the right to amend policy terms and conditions available on renewal date. Underwriting criteria, terms & conditions apply. For full policy terms and conditions, please refer to policy guide/membership certificates.