Public Sector Car Insurance Select 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

This policy is underwritten by RSA Insurance Ireland Limited (RSA). RSA Insurance Ireland Ltd. is regulated by the Central Bank of Ireland.

Significant Features Of Our 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. Driving Other Cars

Comprehensive policies now have automatic comprehensive cover for the policyholder whilst driving other private motor cars, where the vehicle value does not exceed €50,000 and the vehicle’s engine size does not exceed 3,500cc. Third Party Fire and Theft policies have automatic third party cover for the policyholder whilst driving other private motor cars. Motorcycles, vans/minibuses/commercial vehicles are excluded and the vehicle must not belong to the policyholder or the policyholder’s employer and must not be hired to him/her under a hire purchase agreement.

3. Windscreen Cover

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.

4. Cost Of Car Hire For Loss Or Damage Claims

Temporary replacement car hire up to €130 will be paid where the insured car is the subject of a loss or damage claim, excluding windscreen or malicious damage claims. This can be increased to €200 if a recommended repairer is used.

5. Free Green Card

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 of this Policy Cover.

6. 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 and 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.

7. No Claims Bonus Protection

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.

8. Provisional Licence Holders

Comprehensive cover is available.

9. Step Back No Claims Bonus

Automatically included which means that in the event that you claim (excluding 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 per claim.

10. Excess

Standard policy excess is €300 for own damage. For drivers aged 21 to 24, the excess is €550. 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.

11. Partners

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

12. Personal Compensation

For injuries sustained by the driver (policy holder and/or spouse) of the insured car. Certain limits apply (Comprehensive policies only).

13. Medical Expenses

Cover for €65 medical costs per passenger injured (certain conditions apply).

14. Personal Belongings

Cover for personal belongings up to €350 if stolen from the boot of the car or locked glove compartment. €50 excess applies. Conditions apply.

15. 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.

16. New Car Concession

Replacement car is provided if insured vehicle is destroyed or lost within 12 months of its purchase as new by the insured (conditions apply).

17. Uncoupled Trailer Cover

Certain conditions apply. Call the Helpline for details.

18. Motor Breakdown Rescue

A 24-hour accident and breakdown 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


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

LoCall 1850 670 747

20. 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.

21. Liability To Third Parties And Legal Costs

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

22. 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.

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 (October 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.