Car Insurance Cover Details, Questions and Answers

Choose the policy that’s right for you

We insure all drivers from beginners to the experienced and those Returning to Ireland from abroad. Choose from 3 levels of cover – Comprehensive, Third Party Fire & Theft or Third Party Only.

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	Third Party Only Call 0818 27 26 25	Third party, Fire & Theft Get a Quote	Comprehensive Get a Quote
Monthly Direct Debit at no extra cost - Pay a 15% deposit upfront and the balance of your premium in monthly instalments and at no extra cost	✓	✓	✓
75% No Claims Discount - If you’ve been claims free for 5 years or more	✓	✓	✓
Accident forgiveness - Stepback No Claims Discount so you won’t lose your full discount if you have an accident, or if someone makes a claim against you.	✓	✓	✓
Drive other cars - Your cover extends to you driving other cars you don’t own, with the owner’s permission. You must be over 25 years.	✓	✓	✓
Travel Europe - Up to 90 days in the UK and other EU/EEA countries.	✓	✓	✓
Medical expenses and emergency treatments - Up to €200 per person.	✓	✓	✓
Replacement Car - 7 days car hire while your car is being repaired by an approved repairer.		✓	✓
Pick-up and Delivery - We pick up your damaged car, provide a courtesy car, and deliver your car back to you when it’s fixed. Includes a lifetime guarantee on parts.		✓	✓
Excess-free claims on windscreen, fire and theft claims		✓	✓
Personal belongings - Up to €750 and a claim won’t affect your No Claims Discount		✓	✓
Replacement locks - Up to €750		✓	✓
Fire brigade services - Up to €1500		✓	✓
Uninsured driver promise - Claim Without Blame - if an identified uninsured driver hits your car, you won’t lose your No Claims Discount.			✓
Accidental damage or loss of your car			✓
Windscreen cover			✓
Misfuelling Cover - Cover for damage caused by putting the wrong type of fuel in the car.			✓
Child Seats - We will pay up to €600 cover for loss or damage to child seats and related equipment.			✓
Electric Vehicle Charging Points -Cover for accidental damage to home-charging points, up to €650.			✓

AIB Car Insurance Policies

For full details on all of the features and benefits along with all of the limits and exclusions that apply, please visit our Document Library. For details on remunerations, please visit our insurance remunerations page.

Car Insurance Frequently Asked Questions

Common queries

Does this policy cover me to drive other people’s cars?

Yes, with AIB Car Insurance you have cover to drive other cars, as long as you are over 25 and have the owner’s permission to do so. The level of cover you have when driving other cars is determined by whether you have you have third party cover or fully comprehensive cover on your policy.

If you have third party insurance, this cover applies when driving other cars (excluding hire cars) in respect of your legal responsibility to others.

Additionally, if you have fully comprehensive insurance you are covered for loss of or damage to the car you are driving which is temporarily borrowed from another person, as long as the car does not belong to you or your husband, wife or partner. The most we will pay under this extended cover is €50,000.

For full details on this feature along with all of the limits and exclusions that apply, please read the full policy booklet available in our Document Library.
What is Accident Forgiveness & how does it work?

With our Accident Forgiveness feature, you can keep some of your no claims discount if you have an accident, or if someone makes a claim against you.

If a claim has been made or has arisen, your no claims discount may be reduced at the next renewal in accordance with the step-back scale applicable at the time of the renewal. The step-back scale can be seen in the policy booklet available in our Document Library.

If you make two or more claims in the previous insurance year, we will reduce your no claims discount to 0% .

We will reduce your no claims discount to 0% if you make a claim and the driver is convicted of dangerous driving or charged with drink-driving or a drug offence in connection with the same incident.

For full details on this feature along with all of the limits and exclusions that apply, please read the full policy booklet available in our Document Library.
How do I make a claim?

The easiest way is to ring us on 0818 27 26 25. We will handle everything and try to make things as painless as possible.
What’s an excess?

If you claim for accidental damage to your car, you have to pay the first portion of any claim. The amount you pay is called an excess. Please check your policy schedule to find out the amount of your excess.
Can I cancel my policy at any time?

You can cancel your policy at any time. If you request cancellation within 14 working days of the date upon which we inform you the policy has been incepted, we will refund the full premium. If you cancel after 14 working days, you will be refunded based on the unused days left to run on the policy, less an administration fee, provided you have not claimed or been involved in any incident likely to result in a claim during the current period of insurance.

We will not refund an amount less than €15 after we charge the administration fee. To cancel the policy, just advise us by phone or in writing and return your certificate of insurance and Insurance Disc to us.

If you wish have any further queries regarding cancelation please call 0818 27 26 25 Monday to Friday 8am – 8pm and Saturday 10am - 2pm.
If I use my car to drive to or from work (or during the working day) am I breaking the social, domestic and pleasure wording on my certificate?

Your policy will cover your journey to and from work. If you use it in connection with your work, please contact us to make sure you are protected.
How do I make a complaint?

If you are not happy with the service we give you, contact your branch. If you are still unhappy, contact our customer care team on 0818 27 26 25

Benefits & Exclusions

What am I not covered for?

You are not covered for wear and tear, routine mechanical faults, loss in value, punctures or tyre damage and parking, speeding fines and so on.
What's the difference between Comprehensive and Third Party, fire & theft cover?
With Third Party Fire & Theft you are covered for:
- Damage to your car by fire or theft (fire and theft claims will not reduce your no claims discount)
- Any claims or expenses arising from legal action brought against you following a road accident. There is no limit on the amount of personal injury claim settlements we pay on your behalf. If you damage someone else’s property, there is a limit of €30 million.
In addition, with Comprehensive cover you are also covered for:
- Accidental damage to your car
- Malicious damage or vandalism
- Windscreen repair or replacement cover
- Misfuelling cover
- Accidental damage to electric vehicle home-charging points
- Loss/damage to child car seats & equipment
- Injury to Driver cover - for serious injuries or death
What does windscreen cover provide?

Glass cover is automatic if you have comprehensive insurance. You can add it to a Third Party or Third Party Fire and Theft policy for an additional premium.

We will cover the cost of having your glass replaced or repaired. This includes replacing or repairing broken or damaged windscreens and windows of your car.

If you have glass breakage cover and want to make a claim, you must telephone us on 0818 27 26 25 before any repair/replacement work is carried out.

If you use one of our nominated repairers cover will be unlimited.

If you use your own repairer, cover will be limited to €400 for replacement glass or €50 for a repair.
I have lost my car keys. Am I covered?

If you have comprehensive or third party, fire & theft cover and your keys were taken from your home by burglars, we will pay up to €750 to get new keys or an alarm remote control made up. Otherwise your policy does not cover you.
If I leave my keys in the ignition and my car is stolen am I covered?

No. Loss or damage caused by theft or attempted theft if the keys (or keyless entry system) are left unsecured or left in or on an unattended car is not covered.
If my car is a write-off how do you work out the value?

We will give you the market value of your car (less the policy excess) unless you have previously purchased depreciation cover.
What if it’s a new car?

If you have comprehensive or third party fire & theft car insurance cover and your car was bought new, is less than 12 months old and the cost of repairs is more than 60% of the replacement cost, we will pay for a new identical model.
What is misfuelling cover?

Misfuelling is when you put petrol into a diesel car, or vice versa. This can be harmful to the engine and usually requires some repair work. With our comprehensive insurance, we provide misfuelling cover, up to €350 to help with these repairs.

Driver Options

I’m returning to Ireland – does AIB Car Insurance have a good value option?

AIB have developed a dedicated offering to help ex-pats get back driving on Irish roads Returning home to Ireland, after living abroad, often involves many complex procedures. Luckily, with AIB your Car Insurance doesn’t have to be one of them!

AIB will take into account your previous driving experience in Ireland and we will give you an introductory 50% no claims discount (if you can prove you’ve been driving abroad claims free and as long as you held a no claims discount when your last Irish policy expired).

For more information please call us on +353 1 8583504.

Note: Previous Irish driving experience must be in your own name.

Terms & Conditions and underwriting criteria apply.
Can I make a saving by insuring more than one car with AIB?

AIB offer multi Car Insurance in Ireland to protect more than one car in your household at the same time.

We know that life can be incredibly busy – that’s why we’ve made insuring a number of your household’s cars for you and your partner quick and convenient.

You get a great 15% discount when you insure more than one vehicle for you and your partner at the same time.
How can I be sure who can or cannot drive my car?

The easiest way is to read your certificate of insurance. Paragraph Six will clearly explain who can drive. Other drivers will be named or described.
Do you provide cover for Electric Vehicles?

Yes, all of our Car Insurance policies provide cover for Electric & Hybrid vehicles as standard.

Additionally, our comprehensive policy includes cover for accidental damage to home-charging points, up to €650.

Claims

What if someone wants to claim off me?

Contact us and we will handle everything. Do not reply to any correspondence – instead, pass it on to us.
Can you settle a claim without my agreement?

Yes, but we would only do so if absolutely necessary.
How does the no claims discount work?

For every year where you do not claim on the policy (up to 5 years), we will give you a discount. The maximum no claims discount is 75%. If you claim you could lose some or all of this.
Can I protect my maximum no claims discount?
Yes, you can protect your no claims discount for a small extra charge. With this cover you can make one claim of any type, up to any value, in a three year period and NOT lose your no claims discount, so that your next premium will not be affected.

The following claims will not affect your no claims discount;
- Fire
- Theft (or attempted theft)
- Windscreen/glass breakage
- Loss/damage to personal belongings
- Fire brigade charges
- Replacement locks
- Misfuelling
- Accidental damage to electric vehicle home-charging points
- Loss/damage to child car seats & equipment
Although you can protect your no-claims discount, your premium may increase if:
- You make unreasonably large or excessive claims.
- You receive motoring convictions.
What claims do not affect my no claims discount?
The following claims will not affect your no claims discount;
- Fire
- Theft (or attempted theft)
- Windscreen/glass breakage
- Loss/damage to personal belongings
- Fire brigade charges
- Replacement locks
- Misfuelling
- Accidental damage to electric vehicle home-charging points
- Loss/damage to child car seats & equipment

Replacement Car, Car Rescue & Theft

I need to get my car repaired as soon as possible and in the meantime I need a replacement car. How do I make this happen?

If you use an AXA approved repairer, your car will be repaired (with a 3 year guarantee on parts) in the fastest possible time and, in the meantime, we will provide you with a replacement car for a maximum of 7 days.
In simple terms what is Car Rescue?

If your car breaks down or just won’t start, one phone call to our Car Rescue centre will put things right. We’ll send a mechanic to help you. If things can’t be fixed on the spot, we will tow your car to a repairer and, if needs be, help you to complete your journey.

Our Car Rescue also covers electric vehicles for energy failure – which means any failure of the battery because there is insufficient charge to operate the vehicle.
What can I do if I locked myself out of my car?

If you have bought Car and Key Rescue, we can help you. We will pay for one hours labour to get into your vehicle.
My car was stolen what do I do?

You must tell us and the Gardaí. As long as you have theft cover, we will give you the market value of your car if it is not recovered.