Please read this document carefully. This does not 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 Teachers Select Car Insurance policy is underwritten by RSA Insurance Ireland DAC (RSA). RSA Insurance Ireland DAC is regulated by the Central Bank of Ireland.
Significant Features of our Select Car Insurance Product Depending on the terms, exceptions and conditions of this policy, the following will apply:
Allows Full Licence holders to drive your car with your permission without having to be named on the policy (for drivers aged between 25 and 74 with no accidents for 3 years and no convictions).
Allows named drivers (from age 17 with full or provisional licences) to be added to the policy. Additional premiums may apply.
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 5,000 cc. Third Party Fire & 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.
If you use the recommended windscreen repairer, All-Glass 1890 809 808, 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.
Valid for driving within the EU for a single trip of up to 60 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 & Theft policies. The Scheme will accommodate vehicles up to 5,000cc but excludes modified or high performance vehicles. Commercial vehicles/vans are also excluded.
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 Claim 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 or Third Party Fire & Theft cover available. Terms & conditions apply.
Retired teachers are welcome to join the Scheme regardless of age.
Automatically included which means that in the event that you claim (i.e. excluding malicious damage, 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 per claim.
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 water the applicable excess is doubled.
May also avail of the Scheme once their occupation is a ‘Class 1’. Call the Helpline for details.
€30,000 benefit for death/injuries sustained by the driver (policy holder and/or partner) of the insured car (Comprehensive policies only). Certain limits apply.
€130 per occupant per completed day spent as an inpatient in hospital, max 20 days.
Cover for clothing, teachers business equipment & personal effects up to €800 if stolen from the locked boot of the car or locked glove compartment. Cover does not apply for the first €50 of each and every claim. Conditions apply.
The standard policy excess is reduced to €100 for malicious damage claims occurring while your vehicle is parked on school grounds. Such claims will not affect your No Claims Bonus.
Selected garages only. Call our Helpline for details. Members who choose to use one of the approved repair garages will have the relevant policy excess reduced by €75.
Replacement car is provided if insured vehicle is destroyed or lost within 12 months of its purchase as new by the insured.
Replacement of locks and theft of keys or locking devices from the insured’s home up to €1,000 – no excess applies.
Cover up to €1,000 where permanently fitted to the vehicle.
Automatically included up to a maximum of €1,000.
The above options are at the discretion of the assistance company. Cover provided by Mapfre Asistencia. MAPFRE ASISTENCIA Compania de Seguros y Reaseguros SA trading as MAPFRE ASSISTANCE Agency Ireland and MAPFRE WARRANTY is regulated by the Direccion General de Seguros y Fondos de Pensiones del Ministerio de Economia y Hacienda, Spain, and is subject to the Central Bank of Ireland's conduct of business rules. Reg No. 903874.
Freephone 1800 377 700
LoCall 1850 670 747
Legal expenses cover is underwritten by DAS Insurance Company Ireland Limited. DAS Legal Expenses Insurance Company Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority of the United Kingdom and regulated by the Central Bank of Ireland for conduct of Business rules.
Replacement child seats for loss or damage claims as a result of an accident.
Once you have had a full no claims discount on the Scheme for 7 years, RSA will protect it free of charge for life. Terms and conditions apply (please consult the policy document). The certificate of insurance will indicate if this benefit applies.
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 DAC. RSA Insurance Ireland DAC is regulated by the Central Bank of Ireland. The details provided are correct at the time of going to print (March 2017). 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