Public Sector Economy Car Insurance Features & Benefits

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 DAC trading as RSA is regulated by the Central Bank of Ireland.

Significant Features Of Our Economy Car Insurance Product

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

1. Driving Options: Named Drivers

Allows named drivers to be added to the policy. Subject to terms and conditions. Additional charges may apply.

2. Windscreen Cover

If you use the recommended windscreen repairer, Autoglass 1850 363 655, up to €400 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. No excess applies for windscreen repairs; excess for windscreen replacement is €30.

3. Vehicle Value & Scheme Vehicle Acceptance Criteria

The value of the vehicle does not affect your premium as long as it does not exceed the maximum value allowed of €75,000 for Comprehensive policies and €25,000 for Third Party Fire & Theft policies. The Scheme will accommodate vehicles up to 3,000cc. Certain cars are excluded, e.g. soft tops, vans, commercial vehicles, GTIs, sports cars etc. Call the Helpline for details.

4. Partial No Claims Bonus Protection

No loss of your ‘No Claims Bonus’ for Fire, Theft or windscreen claims. You will lose your ‘No Claims Bonus’ in the event of any other claims.

5. Stepback No Claims Bonus Protection*

If selected, this means that in the event that you claim (i.e. excluding fire/theft/windscreen claims) you will not lose your full no claims bonus. Instead, your no claims bonus will be stepped back by 3 years per claim. *This is an optional extra and your certificate of insurance will confirm if this cover applies.

6. Excess

Standard policy excess is €500 for own damage, Fire and Theft claims. For drivers aged 21 to 24, the excess is €800. Excess may be reduced by €130 if a recommended repairer is used. Applicable excess is doubled in the event of claims arising from vehicle being driven into water. Excess for windscreen replacement is €30.

7. Provisional Licence Holders

Comprehensive cover is available.

8. Partners

May also avail of the Scheme once their occupation is ‘Class 1’. Call the Helpline for details.

9. Uncoupled Trailer Cover

Certain conditions apply. Call the Helpline for details.

10. Recommended Repair Service

Selected garages only. Call our Helpline for details. Members who choose to use one of the approved repair garages will have €130 deducted from the relevant policy excess. Approved Repairer reduced excess applies when the vehicle is repaired only.

11. Motor Breakdown Rescue

  • A 24-hour accident and breakdown rescue service providing:
  • Breakdown, attempted theft and accident assistance
  • Driveway assistance
  • Towing
  • Message relay service
  • Completion of journey or overnight accommodation or a replacement car for up to 48 hours.

The above options are at the discretion of the assistance company.

Freephone 1800 377 700.

12. Legal Expense Cover

  • Accident loss recovery and personal injury
  • Motor Legal Defence
  • Motor contract disputes
  • Legal advice helpline service
  • Counselling helpline service.

       LoCall 1850 670 747

13. Renewal Acceptance Criteria

Please note if you have more than 2 claims, other than windscreen breakage, in any consecutive 2 year period you may not be eligible for membership of the Car Insurance Scheme. Existing members may be transferred at renewal date to a non-scheme policy with less preferential terms of cover.

14. Liability To Third Parties And Legal Costs

Damage to third party property is covered up to €30,000,000.

15. Accidental damage

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.

Note: Cover for Driving Others Cars is not available on this policy.

Devised and administered by Cornmarket Group Financial Services Ltd. Underwritten by RSA Insurance Ireland DAC. RSA Insurance Ireland DAC trading as RSA is regulated by the Central Bank of Ireland. The details provided are correct at the time of going to print (May 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.