Cover Information

//Cover Information
Cover Information2019-09-12T11:34:32+00:00
Car Insurance Ireland

COVER INFORMATION

Each car insurance policy will be different and it is important that you choose the right policy to suit your needs. Not everyone will be looking for the same cover so we offer a choice of quotes allowing you to buy the policy that suits you.

Our car insurance quotes are delivered by our young driver car insurance specialists in a way that is easy for you to understand and we strive to provide you with a comprehensive understanding of exactly what you’re paying for.

Coverinaclick.ie works with up to 12 different Insurance Underwriters. This shows the variety of options and potential quotes that a customer can get from us.

SAMPLE OF THE DIFFERENT BENEFITS WE OFFER INCLUDE:

Breakdown Assistance will provide you with roadside and home start support in the event of a breakdown. This will guarantee a seamless recovery with the aim of getting your car back on the road as quickly as possible. Be sure to ask your insurer about their Breakdown Assistance policy to ensure you have the best possible cover.

Windscreen Cover allows the policyholder to recoup the cost of any windscreen repairs, which includes full windscreen replacement if necessary. Fully Comprehensive insurance policies usually have windscreen cover as standard. With Third Party Fire & Theft cover, it is usually an add on in the region of €35. Windscreen claims usually don’t affect your No Claims Bonus, however you should always ask your insurer to be certain.

Step Back Bonus Protection typically costs less than Full Bonus Protection, however it also offers you a lower form of cover. If there is a claim made against your insurance, you can lose part of your No Claims Discount. An example of this is if you have five years No Claims Bonus before a claim is made, this can be stepped back to 2-3 years meaning there is a reduction in your no claims discount, however it is partially protected.

One of our dedicated young driver insurance specialists are waiting to help you choose the benefits and cover that will work best for you. Call us on 01 231 9310 or click below to get started with your quote now.

Full Bonus Protection can be the most expensive option when you are protecting your no claims history, however it is the greatest level of protection. It is beneficial if there is a claim made against your insurance. It means that you won’t lose any of your years of no claims driving keeping your no claims discount fully protected.

It is recommended that you ask your insurer for any curb or exception to the protection. There are cases where the protection may not apply if there are multiple claims within a certain amount of time. It also may only apply when the claim is under a certain financial amount.

For a more detailed guide check out the full benefits list or the policy booklets in the download section.

Car Insurance Experts

CAR INSURANCE COMPREHENSIVE

Comprehensive car insurance is the broadest coverage available. Comprehensive car insurance normally (but not always) includes the most amount of benefits. In the unfortunate event that you are involved in an accident and you are found at fault your comprehensive cover will pay for any third party claims and the cost to repair your car, or, if the car is deemed to be a write off, the cost to replace the car.

Comprehensive cover will also cover the cost to replace, repair the car if the car is stolen, lost or damaged by fire.

Our comprehensive cover quick guide to what’s covered will give you a good idea of the benefits that are included on the various quotes you get from Coverinaclick.ie. We recommend you check these benefits before you purchase.

CAR INSURANCE THIRD PARTY, FIRE AND THEFT

Third Party Fire and Theft car insurance will cover you for any third party claims if you are involved in an accident and are found to be at fault. However it will not cover the cost to repair your car.

Third Party Fire and Theft cover will also cover the cost to replace or repair the car if the car is stolen, lost or damaged by fire.

CAR INSURANCE THIRD PARTY ONLY

Third Party insurance will cover you for any third party claims if you are involved in an accident and are found to be at fault. However, it will not cover the cost to repair your car if the car is stolen, lost or damaged by fire.

CAR INSURANCE POLICY EXCESS

The policy excess is the amount you pay in the event of a claim on your car insurance policy. For example, if your comprehensive car insurance policy excess is €200 and you are involved in an accident and the agreed cost to repair the car is €2000.00, you pay the policy excess of €200 and the insurance company will pay €1800.00. Each of the car insurance policies have different amounts for the excess, it is very important you check the policy excess before you buy the policy.