Choose the policy that’s right for you
Choose from 3 levels of cover – Comprehensive, Third Party Fire & Theft or Third Party Only.
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Third Party Only
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Third party, Fire & Theft
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Comprehensive
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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 |
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75% No Claims Discount - If you’ve been claims free for 5 years or more |
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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. |
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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. |
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Travel Europe - Up to 90 days in the UK and other EU/EEA countries. |
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Medical expenses and emergency treatments - Up to €200 per person. |
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Replacement Car - 7 days car hire while your car is being repaired by an approved repairer. |
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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. |
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Excess-free claims on fire and theft claims |
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Personal belongings - Up to €750 and a claim won’t affect your No Claims Discount |
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Replacement locks - Up to €750 |
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Fire brigade services - Up to €1500 |
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Uninsured driver promise - Claim Without Blame - if an identified uninsured driver hits your car, you won’t lose your No Claims Discount. |
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Accidental damage or loss of your car |
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Misfuelling Cover - We will arrange for a specialist roadside vehicle to drain and flush the fuel tank. |
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Child Seats - We will pay up to €600 cover for loss or damage to child seats and related equipment. |
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Electric Vehicle Charging Points -Cover for accidental damage to home-charging points, up to €650. |
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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?
- What is Accident Forgiveness & how does it work?
- How do I make a claim?
- What’s an excess?
- Can I cancel my policy at any time?
- 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?
- How do I make a complaint?
- How do I provide my driver number to AXA for my AIB Car Insurance policy?
Benefits & Exclusions
- What am I not covered for?
- What's the difference between Comprehensive and Third Party, fire & theft cover?
- What does windscreen cover provide?
- I have lost my car keys. Am I covered?
- If I leave my keys in the ignition and my car is stolen am I covered?
- If my car is a write-off how do you work out the value?
- What if it’s a new car?
- What is misfuelling cover?
Driver Options
- Can I make a saving by insuring more than one car with AIB?
- How can I be sure who can or cannot drive my car?
- Do you provide cover for Electric Vehicles?
Claims
- What if someone wants to claim off me?
- Can you settle a claim without my agreement?
- How does the no claims discount work?
- Can I protect my maximum no claims discount?
- What claims do not affect my no claims discount?
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?
- In simple terms what is Car Rescue?
- What can I do if I locked myself out of my car?
- My car was stolen what do I do?