Other Frequently Asked Questions

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Car Insurance Cover F.A.Q.

What is meant by Open Driving?

Open driving is a benefit which is provided on SOME car policies that enables a person who is not a named driver to drive your car with your permission under your insurance. Normally some restrictions apply, such as drivers must hold a Full Irish Driving Licence and be aged between 30 and 75. Rules and restrictions can vary between each insurer but will always be noted on your Certificate of Insurance once you have the Open Driving benefit.

Can I drive someone else’s car under my insurance?

“Driving of Other Cars” is an extension to a policy which enables the policy holder to drive someone else’s car. Normally the cover is restricted to Third Party Only which in simple terms means that you are legally covered to drive another car under your own insurance but any damage you do to the car you are driving is not covered. Restrictions and exclusions may vary between various insurance providers, for example you may only have this cover if you are over a certain age or are driving “another” car up to a certain value or engine size. Always check whether this cover applies to you on your Certificate of Insurance or check with your provider.

Can I Drive “someone else’s car” if I am a named driver on a Car Insurance Policy.

The simple answer is ‘No’. The “Driving of Other Cars” extension only applies to the Policyholder.

Can I include another driver on my policy?

Most insurers will allow you to include another driver on your policy on a permanent or temporary basis provided the driver fits standard underwriter criteria. A time restriction of 30 days normally applies for temporary drivers. Additional premiums may apply in both circumstances and cover must be confirmed by your insurer. Including your spouse or co-habiting partner on your policy could actually reduce your premium as you may qualify for restricted driver discounts.

CAm I covered to tow a trailer under my insurance policy?

Most insurers provide “Third Party Only” cover for an insured driver to tow an attached trailer once the driver’s licence permits it. This is noted under the “Liability to Others” section of your car insurance policy and the trailer must be used in accordance with the vehicle and trailer manufacturers’ specifications and instructions. Some restrictions may apply such as the type, capacity and load of the trailer so you should check your policy document or with your insurer to clarify the extent of cover provided by your policy.

What is a Policy Excess?

An excess is the amount of money which you pay in the event of a claim to your policy and is normally deducted from the total claim settlement. Excesses may vary and could be higher in certain situations, for example a claim involving a young driver. The excess amount for each type of claim will be listed in your Policy Booklet/Schedule. .

Am I covered to drive my car in Europe?

Normally your policy covers you to drive in the Republic of Ireland, Northern Ireland, Great Britain, Isle of Man, and the Channel Islands. Most car insurers will extend your existing policy to cover you to drive in any EU or EEA member state country for up to 31 days. Details as to the extent of cover, if applicable to your policy, will be noted in your policy documentation. It is best to check what cover applies with your insurer prior to your departure, particularly if road rescue assistance is included with your policy as this benefit may not apply whilst you are driving abroad.

Is Windscreen Cover included on my policy?

Windscreen cover provides cover for the repair or replacement cost of a damaged windscreen and comes as an additional benefit on most comprehensive policies and sometimes as an optional paid benefit on third party fire and theft policies. If this cover applies to your policy, then normally you’re covered for the full repair or replacement cost of your windscreen provided you use your insurer’s approved repairer. Generally, claims for a damaged windscreen will not affect your no claims bonus but you should check the cover applicable to your policy with your insurer prior to initiating a claim.

Car Insurance Quote F.A.Q.

What is a No Claims Bonus?

A no claims bonus is the discount you earn for every year you are insured and do not make a claim on your policy. Each insurer’s discount scale varies. Typically you can earn at least 10% for 1 year and 50% for 5 years claim free. Some Insurers will give extra discounts for up to 9 years claim free driving in your own name so be sure to mention this when you’re getting a quote.

What happens to my No Claims Bonus if I have a claim?

Technically you could lose your entire no claims bonus if you have a claim. Most of our policies include some level of step back bonus protection, whether it be “Step Back Bonus Protection” or “Full No Claim Bonus Protection”. The level of protection should be specified on your policy schedule.

Can I earn a No Claim Bonus as a Named Driver?

No - it is only the policyholder that can earn a no claim bonus. However, if you have been named on a private car or company car policy for at least one year, then First Ireland may be able to offer you an introductory no claims discount provided you’ve been driving claim free.

What is “Step Back Bonus Protection”?

If your policy includes “Step Back Bonus Protection”, then only part of your bonus is lost or “stepped back” following a single claim. The level which your bonus is stepped back is dependent on your insurer. For example, if you have a 5 years no claim bonus and your policy has a 2 year step back, then your bonus will reduce by 2 years which means you should be entitled to a 3 year no claim bonus discount at your next renewal.

What is “Full Bonus Protection”?

Most insures have an option to fully protect your No Claim Bonus by paying an extra premium once you’re claim free and have the required level of earned No Claim Bonus. Some insurers may include limits on the number of claims, the value and type of claims you can make without effecting your no claim bonus. However, it is worth mentioning that if you are moving to a different insurance provider, then you will need to disclose all claims, regardless of whether your bonus was protected at the time of claim.

Can I use a “No Claim Bonus” that is earned outside of the Republic of Ireland?

Whilst the majority of Irish insurers only accept a No Claims Bonus earned within the Republic of Ireland, First Ireland may be able to honour a No Claim Bonus earned in an EU country or other agreed country provided the expiry date is less than 2 years. If so, acceptance and validation of your foreign No Claims Bonus will be required prior to granting cover.

Can I use my “No Claim Bonus” on more than one car?

Unfortunately not. You will need to earn a separate no claims bonus for each policy you have. However First Ireland may be able to offer you an introductory discount on a second vehicle.

Do I need Business Use on my policy?

Anyone who drives their own car for the purposes of their work will need to include some element of business use on their policy. This is different to “social domestic and pleasure use” which is included on most policies and covers travel to and from the policyholder’s permanent place of work. There are a number of options to cover a variety of business uses so it is best to discuss your needs with your insurance provider.

Can I get a quote if I don’t know the registration number?

Yes, you can call us or get an indicative online price by selecting the exact make and model manually. However we will need the registration number to provide you with an accurate quotation.

Can I get still get a quote if I haven’t bought the car yet?

Yes, you can still get a quote. However you will not be able to arrange a policy in your name until you take ownership of the car as you must own the vehicle that you are insuring.

Do I have to list non fault claims when I’m getting a quote?

Yes, all incidences and claims in the last 5 years regardless of fault must be disclosed including windscreen claims. Insurers may require further clarification if there are a combination of claims both inside and outside of the 5 year period.

Does the mileage I do in my car affect my insurance price?

Yes. Insurers calculate insurance premiums based on risk. The chances of you having a motor related claim are increased the longer and more frequently you are behind the wheel. This is why mileage can impact premium so it is best to have calculated your annual mileage to avoid over-estimating your usage.

What does a “Gap in Cover” mean?

A “gap in cover” occurs when the expiry date of your policy is before the inception date of your current policy. Most insurers will not honour a no claim bonus of a policy if the expiry date is greater than two years. Insurers will require you to complete a “Gap in Cover Declaration” which confirms you have not been involved in any incident or accident during the “gap” time.

Where do I send my documents needed for cover?

Most documentation needed for your new insurance policy can be emailed to us with the exception of your No Claim Bonus. You will need to sign your original no claims bonus and send it to us: First Ireland House, 15 Park Gate Street, Dublin 8, D08W866.
All documents are required within 14 days of arranging your policy to ensure continuance of cover.

How can I reduce the price of my car insurance quote?

Use a Broker: Using a broker not only saves you time, it could also save you money. First Ireland is one of the largest Irish owned brokers in Ireland and we will search prices from 17 insurers on your behalf. We are also on hand to offer advice in order to get you the cover you need at our cheapest price.

Picking the right car: Choosing the right car has a big impact on your insurance price. Opt for a car with a smaller engine size as opposed to a more powerful car which will cost more to insure. Whether your car is an import or the age of your car can also affect your premium. Some insurers decline to quote imported cars or quote for cars that are over 10 years old. Always check the cost of insurance before you sign on the dotted line or call First Ireland for an immediate quote.

Adding Drivers: Believe it or not, including a mature named driver could save you money. Whilst adding a spouse/co-habiting partner or a parent gives you peace of mind that someone else is covered to drive your car, it could also reduce the cost of your premium.

Second Car Discount: If your spouse or co-habiting partner has full time use of their own private car, then you could qualify for a second car policy/discount, depending on your insurance details. Also, if you’re a young driver living with a parent who has their own car, then this may also qualify you for a discount so be sure to advise this at the time of your quote.

Excess: An excess is the amount you pay in the event of a claim and is typically around €250 - €500. Some insurers give a discount for accepting a higher excess. This effectively means you are absorbing some of the risk yourself but only in the event that there is a claim to your policy.

Two Policies with the Same Insurer: Some insurers may give a discount on your motor insurance if you have home insurance with them and vice versa, so it is wise to mention this at quote stage.

Occupation: What you do for a living is taken into account when calculating a premium. Each insurer appoints a premium rating to each style of occupation so whilst there are no specific discounts, it is important to be as specific as possible to ensure the correct rating is applied for you.

Overnight Parking: Parking your car in your garage or driveway could reduce your premium as opposed to parking at the side of the road where your car is more exposed to theft or damage.

Home Insurance F.A.Q.

How much should I insure my home or buildings for?

Your home should be insured for the reinstatement value and not the market value. The building value should reflect the reinstatement cost of the house itself ( including any built in kitchens or wardrobes or other structural extras) the garage, garden shed, fuel store and boundary walls. The Society of Chartered Surveyors Ireland have a helpful guide on their website which you may like to refer to: www.scsi.ie.

How much should I insurer my contents for?

Your contents cover should be sufficient to replace all contents in your home. Go from room to room and make a list, include everything from curtains to carpets.

Can I cover items I bring outside of my home?

If you need an item covered OUTSIDE of the house (e.g. Jewellery, Sports Equipment etc), you need All Risks cover in addition to normal Contents cover. This can be specified (for higher value items) or unspecified (covers miscellaneous personal property up to a stated single article limit). We can advise you on which is most appropriate depending on the items you’d like to cover

Do I need to give an itemised list of all my contents?

Not for every single item you have but specified all risks items need to be listed (purchase receipt/valuation will be required in the event of a claim). If you have any particularly valuable items within your contents, which do not leave the house, you should also mention these on the proposal form. As a general guideline the value of such items should not exceed one third of your total contents sum insured, unless specially agreed.

Should I include Accidental Damage?

Accidental Damage should be included on your buildings and contents whenever possible. If you accidentally hammer a nail into the wall, burst a pipe and flood the house, spill a drink over your DVD and it wont work or reverse into your garden gates you will need accidental damage cover on your policy to be able to claim for the damage.

What is an Excess?

An excess is the amount you contribute towards a claim.

What discounts can I avail of?

Discounts are available on the cost of your insurance for Burglar Alarms, Smoke Alarms, Neighbourhood Watch area and also if you are over a certain age 45 or 50 years depending on the Insurer). In some circumstances you can avail of an additional discount if both your House and Car Insurance are with the same underwriter, so talk to us about both your home and motor insurance and we will work on obtaining the maximum discount available.

What do I do if my property becomes unoccupied?

If your property becomes unoccupied please advise us immediately, as this will affect your cover. Also if the type of occupancy has changed in any way, you need to notify us of the changes, e.g. any business use, different type of tenants, etc

Classic Car Insurance F.A.Q.

What is the difference between Comprehensive and Third Party Fire & Theft Cover?

Third Party Fire & Theft Cover will cover the Theft/Fire damage cover to your own car and any damage to a third party. This can be damage to another car, passengers in another car, passengers in your own car, motorists, pedestrians, cyclists and third party property damage. Comprehensive cover is the cover as described above Plus Accidental Damage you do to your own car (caused by you or others), Vandalism and Malicious Damage.

What is an Excess?

An excess is the amount you contribute towards a claim. The excess on Classic Car policies is €150 or €300 for convertibles.

What is a No Claims Bonus?

A no claims bonus is a discount you earn for every year you are insured and do not make a claim on your policy.

Do I have a No Claims Bonus as a named driver?

If you have never had a policy in your own name, but have driving experience as a Named driver or on a company policy we should be able to give you an introductory no claims discount.

How much is a No Claims Bonus discount worth?

It varies, but generally for each year that you are claims free you can earn approximately a 10% discount. Insurers cap the no claims bonus discount earned; the caps vary at 5 or 6 years.

What happens to my No Claims Bonus if I have a claim?

Following a claim your no claims bonus will be reduced. It will be stepped back instead of being lost completely. It is regardless of the claim being your fault or not. Once you claim off your policy your bonus will be affected. The only exception are windscreen claims, they will not have any affect on your no claims bonus.

What is Step Back Bonus Protection?

Step Back Bonus Protection means that following a claim your earned no claims bonus discount is reduced or Stepped Back - instead of a complete loss. For example; if you have a 5 years No Claims Bonus and your policy has a step back of 2 years. Then following a claim your bonus of 5 years will be reduced by 2 years and you will be entitled to a 3 year No Claims Bonus discount at your next renewal.

What is a No Claims Bonus Protection?

No claims bonus protection is where your policy has the benefit that allows you to make a claim without affecting your no claims bonus. Insurers can include limits on the number of claims made, the monetary value of the claim and the type of claim.

Can I add No Claims Bonus Protection to my Classic Car policy?

No. Bonus Protection cannot be added to classic car policy. Step back bonus protection comes as standard.

Can I add drivers to my Classic Car policy?

Yes you can add/named drivers on to your Classic Car policy. Drivers must hold a full drivers licence, be at least 25 years old and must have their own insurance.

What is Driving of Other Cars?

Driving of other cars is cover to drive someone else’s car, under your own insurance policy. If your policy includes this benefit it is your own policy that will be affected if a claim occurs and it only covers the policyholder. Normally, cover is restricted to third party only. In simple terms this means that you are legally covered to drive the car and any damage you do to the car you are driving is not covered.

Is my Windscreen covered?

Yes, Classis Car policies have cover up to €1,000. Windscreen claims are not subject to the policy excess.

Do I get a discount for low annual mileage?

Yes, the lower the mileage the lower the cost. There a 4 options available: 2.000, 4.000, 6.000, 10.000

What cars qualify for Classic Car insurance?

As a guide they must be 20 years old or more. Pre-war vehicles are entitled to a generous discount. We accept classic Landrovers (no seats or windows in rear). There must be an element of vintage, limited edition and not be mass produced. Sport types will be considered – e.g. Porsche & Ferrari.

Driving Instructors Insurance F.A.Q.

What is Professional Indemnity Cover?

As a professional instructor, you are exposed to the risk of legal action from a student or others to whom you have given advice and the consequent loss or damage arising. Our policy protects you from this potential legal liability arising from any negligent act, error or omission relating when providing professional instruction. Cover is up to €1.3 million. No one else gives as much cover in this area.

Is Business use included?

Yes, the business use incorporates:
• Travelling between Test Centres or Department Business
• Pursuit of Motorcycles and Tractors
• Obstacle Avoidance exercise during Motorcycle test

What is the difference between Comprehensive and Third Party Fire & Theft Cover?

Third Party Fire & Theft Cover will cover the Theft/Fire damage cover to your own car and any damage to a third party. This can be damage to another car, passengers in another car, passengers in your own car, motorists, pedestrians, cyclists and third party property damage. Comprehensive cover is the cover as described above Plus Accidental Damage you do to your own car (caused by you or others), Vandalism and Malicious Damage.

What is an Excess?

An excess is the amount you contribute towards a claim. The excess amount is €200.

What is a No Claims Bonus?

A no claims bonus is a discount you earn for every year you are insured and do not make a claim on your policy.

Do I have a No Claims Bonus as a named driver?

If you have never had a policy in your own name, but have driving experience as a Named driver or on a company policy we should be able to give you an introductory no claims discount.

How much is a No Claims Bonus discount worth?

Each insurers discount varies. But generally for each year that you are claims free you can earn approximately a 10% discount. Insurers cap the no claims bonus discount earned; the caps vary between 5 years and 7 years.

What is a No Claims Bonus Protection?

With our Driving Examiner scheme you can have one unlimited claim, in a 3 year period, without having any affect on your no claims bonus.

What is Step Back Bonus Protection?

Step Back Bonus Protection means that following a second claim your earned no claims bonus discount is reduced or Stepped Back by 2 years - instead of a complete loss. If you have a 5 years No Claims Bonus, then following a claim your bonus of 5 years will be reduced by 2 years and you will be entitled to a 3 year No Claims Bonus discount at your next renewal.

What is Driving of Other Cars?

Driving of other cars is cover to drive someone else’s car, under your own insurance policy - it is your own policy that will be affected if a claim occurs and it only covers the policyholder. Our Driving Examiner scheme includes driving of other cars and cover is restricted to third party only. In simple terms this means that you are legally covered to drive the car and any damage you do to the car you are driving is not covered.

Pet Insurance F.A.Q.

What cover levels are available?

Essential Cover: Accident and Liability only. This level provides cover for veterinary fees resulting from accidental injury only of your dog and cat and for third party liability for your dog only.

Premier Cover: 12 Months Cover. Our Premier policy covers your pet for a 12 month period from the date of loss for illness or injury. Cover after your renewal date will continue up to 12 months, subject to renewal of your policy. After those 12 months the pre-existing medical condition will be excluded. Our Premier policy also provides cover for Third Party Liability, Death from Accident, Boarding Kennel/Cattery Fees, Theft /Straying, Holiday Cancellation and Lost/Found ads. We also offer optional cover for Overseas Cover which includes Quarantine, Emergency Repatriation and Loss of Passport.

Premier Plus Cover: Lifetime Cover (continued cover for medical condition occurring within the policy term). Our Premier Plus policy covers veterinary fees for life and is designed for pet owners concerned about their pet developing a long-term, chronic or recurring illness. Premier Plus Cover includes such conditions as arthritis or eczema which require treatment from a vet over a long period of time, often for life. As long as the Premier Plus policy is renewed each policy year without a break, we will continue to provide cover for new illnesses after the policy starts right into your cat or dog's old age. Our Premier Plus policy also provides cover for Third Party Liability, Death from Accident, Boarding Kennel/Cattery Fees, Theft /Straying, Holiday Cancellation and Lost/Found ads. We also offer optional cover for Overseas Cover which includes Quarantine, Emergency Repatriation and Loss of Passport up to the aggregate limit.

Can I insure a pet of any age?

You can start pet insurance cover for your cat or dog from eight weeks until eight years of age at inception of your policy. If you renew your cover each year without a break, we will continue to pay claims for ongoing conditions beyond eight years of age.

Does an excess apply to my policy?

Yes an excess will apply to your policy when making a claim. The excess will vary depending on your policy and the type of pet covered.

If my pet has been ill before, will this be covered by my insurance policy?

We like to be as clear as possible to our customers, therefore any exclusion from cover placed on your policy will be stated clearly on your Certificate of Insurance. Our pet insurance excludes any previous medical conditions of your cat or dog at the time of purchasing this policy.

When does my cover begin on my policy?

Cover for injury will start as soon as you take out a policy, although cover for illness is excluded for the first 14 days of your policy.

What is complementary treatment?

If you buy a Premier or Premier Plus policy we will pay for the cost of complementary treatment (up to the maximum benefit) that results from a valid claim under this insurance which your pet has received during the policy year for an illness or injury. By complementary treatment we mean: Acupuncture, chiropractic manipulation, hydrotherapy and osteopathy. All treatments must be carried out by a vet practice.

Can I include overseas insurance for pets?

Yes we do, this optional benefit is available on our Premier and Premier Plus polices.

Do you only insure cats and dogs?

Under this policy we only insure cats and dogs but we can arrange cover for horses with alternative insurers so contact us on Tel: 01 8820818.

Can I get a discount for more than one pet?

Yes, if you have two or more pets then you are entitled to a Multi-Pet discount. The discount is only available on our Premier and Premier Plus policies.

Is there a discount for having my pet micro-chipped?

Yes we offer a 5% discount off the Insurance Premium for Premier and Premier Plus policies in year 1 only, for having your pet chipped.

Will this insurance pay my vet fees directly?

We can arrange to pay most veterinary surgeons directly in the case of a vet fees claim. Please ask your vet if they are happy to do this, and we will take care of the rest.

Taxi Insurance F.A.Q.

What is the difference between Comprehensive and Third Party Fire & Theft Cover?

Third Party Fire & Theft Cover will cover the Theft/Fire damage cover to your own car and any damage to a third party. This can be damage to another car, passengers in another car, passengers in your own car, motorists, pedestrians, cyclists and third party property damage. Comprehensive cover is the cover as described above Plus Accidental Damage you do to your own car (caused by you or others), Vandalism and Malicious Damage.

What is an Excess?

An excess is the amount you contribute towards a claim. The excess amount will be listed in your policy schedule or Quotation.

What is a No Claims Bonus?

A no claims bonus is a discount you earn for every year you are insured and do not make a claim on your policy.

How much is a No Claims Bonus discount worth?

Each insurers discount varies. But generally for each year that you are claims free you can earn approximately a 10% discount. Insurers cap the no claims bonus discount earned; the caps vary between 5 years and 7 years.

What happens to my No Claims Bonus if I have a claim?

In theory you can lose your entire no claims bonus. However, most of the policies we offer include some level of protection to your no claims bonus, be it Step Back Bonus Protection or Bonus Protection.

What is Step Back Bonus Protection?

Step Back Bonus Protection means that following a claim an earned no claims bonus discount is reduced or Stepped Back - instead of a complete loss. For example; if you have a 5 years No Claims Bonus and your policy has a step back of 2 years. Then following a claim your bonus of 5 years will be reduced by 2 years and you will be entitled to a 3 year No Claims Bonus discount at your next renewal.

What is a No Claims Bonus Protection?

No claims bonus protection is where your policy has the benefit that allows you to make a claim without affecting your no claims bonus. Insurers can include limits on the number of claims made, the monetary value of the claim and the type of claim.

What is Open Driving?

Open Driving is a benefit that can be given by some Insurers on SOME policies. It means that someone who is not Named on your policy can drive your car. There are restrictions set by each insurer. For example; drivers might have to have a Full driving licence and be aged between 30 and 75. These rules/restrictions vary between each insurer but will always be noted on your Certificate of Insurance.

What is Driving of Other Cars?

Driving of other cars is cover to drive someone else’s car, under your own insurance policy. If your policy includes this benefit it is your own policy that will be affected if a claim occurs and it only covers the policyholder. Normally, cover is restricted to third party only. In simple terms this means that you are legally covered to drive the car and any damage you do to the car you are driving is not covered. Some policies we offer can give Comprehensive Driving of other Cars.

Can I cover my taxi audio equipment?

Yes we can cover your taxi/audio equipment; some of our policies include them automatically or can be added for a slight additional premium.

Do I have cover for a replacement Taxi?

Following an accident, providing you can show genuine need, we will arrange a replacement taxi (with appropriate PSV approval) for you.

Travel Insurance F.A.Q.

What is AIG Travel Guard Travel Insurance?

AIG Travel Guard Travel Insurance is underwritten by AIG Europe Limited and is designed to protect you while travelling abroad on holidays. There are a variety of options to choose from depending on the nature and duration of your trip.

How do I purchase cover?

Simply follow a few easy steps from the “Get a Quote” screen. Our site has state of the art software security, so you don't have to worry about giving us your personal details. Can I purchase cover if I live outside The Republic of Ireland? No, you have to be a resident of The Republic of Ireland for the last six months to avail of this particular travel insurance product.

How do I get my Policy Document?

Your Policy Document will be sent to you by email as soon as your payment details have been validated. A copy of the wording is also available for you to view online by simply clicking on the appropriate Policy Document icon. Who do I contact in the event of a query under my insurance? Please contact our Customer Service Helpline on 1800 344 455 and ask for our Travel Insurance Customer Service. Our lines are open from 9am to 5pm Monday to Friday (excluding bank holidays).

Do I have to carry a copy of my Policy Document with me when travelling?

Although you do not need to carry your Policy Document with you for cover to operate, we recommend that you bring it with you every time you travel. It is a particularly important document as among other things it provides you with details on what to do in the event of a medical emergency. In addition, some foreign medical providers may wish to see documentation before they will agree to treat you.

Where can I obtain a copy of my Policy Document?

A Policy Document and description of cover for the product you require can be found by clicking on the appropriate Policy Document icon along the side of the website.

When does my cover begin? When does it end?

The trip cancellation protection will become effective immediately upon purchasing your insurance. The remaining cover and services provided will take effect when you leave your home to commence a trip. All cover and services for single trip cover will terminate when you return to Ireland or at the end of the period shown on your policy schedule, whichever is earlier. Multi trip policies will terminate upon the expiry date of the Insurance.

Are there any exclusions or limitations to my Insurance?

Yes. Our travel insurance has a number of exclusions and limitations. For example, it does not cover pre-existing medical conditions and excludes comparatively high risk activities. For a complete listing of exclusions and limitations, please refer to your Policy Document.

Can I cancel my trip for any reason and get all my money back?

No. You may receive a reimbursement if you cancel for any reason outlined in your Policy Document. Covered reasons include, but are not limited to, such unforeseen emergencies as illness, injury or death of you, your travelling companion and/or a relative. The cover does not include cancellation due to business obligations, change of mind or your dislike of the travel time. Pre-existing medical conditions are not covered.

I have a medical condition. Can I buy your travel insurance?

You can still buy our travel insurance but it is important to note that you may not be covered for some existing illness or medical conditions. Please ensure you read the terms of our Pre-Existing Medical Condition Clause carefully to ensure that this insurance is suitable for your needs.

What is meant by Pre-Existing Condition?

“Pre-existing condition” refers to injury, sickness, disease, illness or other medical condition that you knew about or should have known about before you bought this insurance. For a complete description of Pre-Existing Conditions, please refer to the general exclusions on page 6 of your Policy Document.

Do I have to buy Travel Insurance at any specific time?

Yes. To protect your own interests you should purchase cover at the same time you purchase your travel package. You can buy it at a later date but it will not cover events which have already occurred.

Do age restrictions apply?

This website is unable to provide quotes to persons aged 79 and over. However, we can provide quotations to persons aged 79 and over if they contact us directly.

Can I insure my partner?

You can insure your partner if they are aged over 18 and under 79 and you have been cohabiting as a couple in the same dwelling for 6 months. If your partner is aged 79 or over, special rates and conditions may apply.

What age categories and benefits apply to children?

Under our Single Trip Insurance there is a special “Family Rate” which covers two parents and up to four of your dependant children up to 18 years at the time of purchase and named on the schedule. If you chose to purchase our Annual Multi Trip Insurance up to four dependant children up to 18 years are covered free of charge provided they are named. Any additional children are charged for. On all products children receive the same benefits as adults, apart from the Permanent Total Disablement benefit, which does not apply. The death benefit is €7,000 for children under 16 years.

Must children be accompanied by their parents to qualify for cover?

No, but it is a requirement of this insurance that they meet up with parents, guardian or relatives on reaching their non stop destination.

What is the maximum duration of a period of travel under the Annual Multi Trip cover?

The maximum duration of any one period of travel must not exceed 31 days for Budget Insurance, 45 days for Premier Insurance or 60 days for Premier Plus Insurance. If the insurance you have purchased exceeds these durations your cover ceases on the final day of the trip limit. The period of travel must start and finish in the Republic of Ireland.

Is there a limit as to the number of trips I can make under the Annual Multi Trip cover?

No, as long as each period of travel does not exceed the duration specified in the insurance you have purchased, you can travel as many times as you like. However, if you go on a trip that exceeds the specified trip duration, your cover ceases on the final day of the trip limit, and you should purchase Single Trip Insurance to cover this trip specifically. No single trip should last longer than 31 days under Budget Insurance, 45 days under Premier Insurance or 60 days under Premier Plus Insurance.

When would Medicare Extra Travel Insurance be suitable for me?

“Medicare Extra” Travel Insurance is only suitable if you have Private Health Insurance with VHI, Aviva Health Insurance Limited or QUINN Healthcare Limited, and it provides an element of private medical insurance while you are abroad. All persons covered on our travel Insurance should also be covered under your Private Health Insurance, which must remain in force for the duration of the insured journey. Please read our “Medicare Extra” Certificate of Insurance for more detail.

Will my Annual Multi Trip Insurance renew automatically?

No, before it expires we will issue you with an invitation to renew your cover.

Does my insurance cover me if I am travelling on business?

Yes, provided you have selected the Business Insurance option.

Am I covered for holidays I take within Ireland?

Yes, our travel insurance covers you for trips within Ireland provided you book more than one night accommodation away from your usual place of residence. There are restrictions to the cover provided for trips taken within the Republic of Ireland, please read your Policy Document for more information.

Can I purchase your insurance if I am moving abroad permanently?

Yes, but cover will cease as soon as you arrive at your country of destination.

What service does Chartis Assistance Services offer?

Chartis Assistance Services operate a 24 hour emergency service. They can liaise with doctors and hospitals, guarantee medical charges and who to contact in the event of a medical emergency.

Who do I contact in the event of a medical emergency?

In the event of a medical emergency, you must contact Chartis Assistance Services within 48 hours. They must authorise payment of all in-patient hospital, clinic or nursing home expenses, emergency repatriation or curtailment expenses. Unauthorised claims may not be paid, so please contact them as soon as possible on 00 44 1243 621 508.

Who do I contact in the event of a claim (other than medical emergencies) under my policy?

Any occurrence or loss which may give rise to a claim should be advised immediately to OSG Travel Claims, Merrion Hall, Strand Road, Dublin 4. Telephone 01 261 1540. Claim forms can be downloaded from www.osgtravelclaims.ie

What excesses apply under my Insurance?

Most sections of your insurance have an excess where you have to contribute a certain amount per claim. The excess is applied to each Insured Person and varies from section to section. Please read your Policy Document for the exact amount. If you have purchased Excess Waiver or Premier Plus cover this amount is reduced to nil.

What is the single article limit applying to the Personal Baggage section?

The maximum amount we will pay for any one item, pair or set of items is €100 if you have purchased Budget or Extended Stay Insurance, €250 if you have purchased Premier Insurance or €300 if you have purchased Premier Plus Insurance. Please refer to the definition of ‘pair or set of items’ on page 5 of your Policy Document for more information.

I'm going Scuba Diving, am I covered?

Yes, this policy will cover you for Scuba Diving but there are provisions and limitations. Please ensure you read the Sports and Activities section of your Policy Document carefully.

Am I covered if I go skiing?

If you require ski cover you need to extend your policy to include it by ticking the appropriate box and paying the additional premium. Our Annual Multi Trip product automatically gives you 17 days ski cover free.

What is the maximum length under the Single Trip?

The maximum length under Single Trip is 120 days.

How do I book a one way trip?

Enter the start date of your trip and for the return date, enter the day you will arrive at your final destination.

Am I covered if I am pregnant?

Yes, but you are not covered if you are more than 26 weeks pregnant at the start of or during your trip.

Are there any countries excluded under my insurance?

Yes, your insurance does not cover any trip in, to or through the following countries; Afghanistan, Cuba, Liberia, or Sudan.

What is the definition of Europe?

Europe is defined as the continent of Europe west of the Ural Mountains including its neighbouring islands and non-European countries bordering the Mediterranean (excluding Algeria, Lebanon, Libya, Israel and Jordan).

What is the Cancellation Discount on Single Trip Insurance?

If you do not wish to buy cancellation cover for your trip you can delete this section from your insurance and avail of a discount.

What is Excess Waiver?

If you have purchased Budget or Premier cover, by paying an extra premium, your policy can include an excess waiver. This will reduced the excess referred to in the Table of Benefits to nil. If you have arranged Premier Plus cover, all excesses are nil. This discount is not available on Extended Stay Insurance.

What is the Baggage Deletion discount?

By paying a reduced premium cover under sections F1-Personal Belongings & Baggage and F3- Personal Money can be deleted. Cover under sections F2-Baggage Delay and F4-Passport and Travel Documents still remain in force, if they are normally covered under the plan you have selected. Please read Section F of your policy document for full details.

What is Extended Stay/Gap Year Insurance?

Extended Stay or Gap Year insurance is suitable for people who are taking a career break, a gap year from college or an extended holiday abroad. Cover can be purchased for trips which are up to 12 months in duration and covers all non manual work under taken while abroad.

What is Volcanic Ash & Natural Catastrophe Cover?

If your trip is disrupted or has to be cancelled due to a natural catastrophe we will pay the range of benefits as outlined in the policy document provided you have purchased this extension in cover. Natural catastrophe events include volcanic eruption, flood, tsunami, earthquake, landslide, hurricane, tornado or wildfire.

Am I covered for travel disruption caused by the Icelandic volcanic ash or similar incidents in the future?

Although the Icelandic volcanic ash situation has died down and there is no travel disruptions predicted, we can understand that you may be concerned in case a similar situation arises. This type of incident would be covered under Section X – Natural Catastrophe cover in our Travel Insurance policy, providing you have purchased the cover. Note: The purpose of our Frequently Asked Questions is to explain in general terms what you are covered for. They do not form part of your contract of insurance. For full clarification on the terms and conditions please read your Policy Document

Van Insurance F.A.Q.

What is the difference between Comprehensive and Third Party Fire & Theft Cover?

Third Party Fire & Theft Cover will cover the Theft/Fire damage cover to your own car and any damage to a third party. This can be damage to another car, passengers in another car, passengers in your own car, motorists, pedestrians, cyclists and third party property damage. Comprehensive cover is the cover as described above Plus Accidental Damage you do to your own car (caused by you or others), Vandalism and Malicious Damage.

What is an Excess?

An excess is the amount you contribute towards a claim. The excess amount will be listed in your policy schedule or Quotation.

What is a No Claims Bonus?

A no claims bonus is a discount you earn for every year you are insured and do not make a claim on your policy.

Do I have a No Claims Bonus as a named driver?

If you have never had a policy in your own name, but have driving experience as a Named driver or on a company policy we should be able to give you an introductory no claims discount.

How much is a No Claims Bonus discount worth?

Each insurers discount varies. But generally for each year that you are claims free you can earn approximately a 10% discount. Insurers cap the no claims bonus discount earned; the caps vary between 5 years and 7 years.

What happens to my No Claims Bonus if I have a claim?

In theory you can lose your entire no claims bonus. However, most of the policies we offer include some level of protection to your no claims bonus, be it Step Back Bonus Protection or Bonus Protection.

What is Step Back Bonus Protection?

Step Back Bonus Protection means that following a claim your earned no claims bonus discount is reduced or Stepped Back - instead of a complete loss. For example; if you have a 5 years No Claims Bonus and your policy has a step back of 2 years. Then following a claim your bonus of 5 years will be reduced by 2 years and you will be entitled to a 3 year No Claims Bonus discount at your next renewal.

What is a No Claims Bonus Protection?

No claims bonus protection is where your policy has the benefit that allows you to make a claim without affecting your no claims bonus. Insurers can include limits on the number of claims made, the monetary value of the claim and the type of claim.

What is Open Driving?

Open Driving is a benefit that can be given by some Insurers on SOME policies. It means that someone who is not Named on your policy can drive your car. There are restrictions set by each insurer. For example; drivers might have to have a Full driving licence and be aged between 30 and 75. These rules/restrictions vary between each insurer but will always be noted on your Certificate of Insurance.

What is Driving of Other Vans?

Driving of other vans is cover to drive someone else’s van, under your own insurance policy. If your policy includes this benefit it is your own policy that will be affected if a claim occurs and it only covers the policyholder. Cover is restricted to third party only. In simple terms this means that you are legally covered to drive the van and any damage you do to the van you are driving is not covered. There are different limits set by each insurer. Any of these limits can be, for example, the other van cannot belong to your spouse, member of your family or any person in your service of employment or the other van cannot exceed 3.5 ton. All restrictions will be listed in your policy.

Are the goods I carry in my Van covered?

No. This is a common misunderstanding with Van Insurance. The Class of use may be described as ‘Carriage of Own Goods’ but this just describes the category of driving your policy covers, from a motor insurance perspective. The goods themselves are not covered, but you can arrange a separate ‘Goods in Transit’ policy that will provide cover for them. We can arrange a quotation for you on request.

Business Insurance F.A.Q.

What areas of cover are essential to my business?

Business Interruption, Employer’s Liability, Public Liability & Products Liability, Asset Protection Insurance

What kind of insurance do I need for an online business?

In addition to the above recommendations, these covers are advised for online businesses: Professional Indemnity Insurance, Cyber Liability Insurance

What is Professional Indemnity Insurance?

Professional Indemnity Insurance can protect businesses which provide professional advice or services to clients. If a business is sued by a client for a mistake which causes financial loss, PI Insurance can cover compensation claims.

What is Public Liability Insurance?

Public Liability Insurance can protect your business by covering compensation payments and legal costs if the business is held accountable for property damage or injury to any member of the public (client, contractor or otherwise)

Why can’t I get a Business Insurance quote online?

Because every business is different we need more in depth information in order to tailor a quote to suit your needs.

Financial Planning F.A.Q.

If you cannot find an answer to your question on our F.A.Q. please contact us

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01 882 0800
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01 8820 818
Business Insurance
01 882 0848
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About First Ireland

First Ireland is proud to be a fully 100% Irish owned and operated company.

We are one of the largest brokerages in Ireland. All our resources are dedicated to, and all our business strategies are aimed at meeting the needs of our valued customers in Ireland. They’re the only ones we have. We now employ over 130 people at First Ireland and our extensive client list extends from individuals to large corporations.