Frequently Asked Questions

Select F.A.Q. Section First

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 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 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.

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.

Gadget Insurance F.A.Q.

What is Gadget insurance?

Gadget Insurance is a new cost effective way to protect our most valuable and important every day gadgets that we would be lost without.

What is covered under the policy?

This policy covers the cost in replacing or repairing products as a result of Theft, Accidental Damage, and Liquid Damage. It also offers cover for fraudulent call use in the event that your phone is stolen. Loss Cover is available to add for a small additional premium for Mobile Phones, Smartphone’s, Tablets and Ipad's. Please refer to the Policy Document for the full terms and conditions.

Am I covered outside Ireland?

Cover is extended to include use of the electronic gadgets anywhere in the world up to a maximum of 60 days in total, in any single 12 month period, subject to repairs being carried out in the Republic of Ireland or the UK by repairers approved by us.

What products does this gadget insurance policy cover?

Eligible products are Camcorders, Mobile /Smart Phones, iPhones, iPods/MP3 players, iPads / Tablets, Sat Nav systems, Laptops, Digital Cameras, Hand-Held Games Consoles, Hair Straighteners, Digital SLR lenses, E-book readers and Headphones.

Am I covered straight away?

This policy does not cover any claim made, or any event causing the need for a claim to be made, that occurs within the first 14 days of the start date of the policy or the first 14 days of any amendment to your to the policy. This also applies if you add loss cover after inception of the policy. If your electronic gadget is less than 3 months old on the date you insure it, then this clause does not apply and your cover begins immediately.

How do I add items or make a change to my policy?

To make a change you can contact us at info@blueinsurance.ie or by telephone on the number shown on blueinsurance.ie

Is loss cover available for other Gadgets?

No, loss cover is only offered on Mobile Phones, Smartphone’s, iPad's and Tablet's.

What are the conditions and exclusions on the Gadget Insurance policy?

You must be over 18 and resident in the Republic of Ireland to purchase this policy.
The gadget has to be under 24 months old and must have been purchased from new by you in the Republic of Ireland, UK or US.
The electronic gadget must be in good condition and full working order at the time this policy is purchased with no prior repairs from non-manufacturer approved repairers.
If your gadget is more than 3 months old when you purchase this insurance then you are not covered for any incidents that occur within the first 14 days of cover.
There is no cover provided for wear and tear or gradual deterioration of performance.
Please refer to the Gadget Insurance Policy Document for the exclusions.

How do I claim?

To make a claim on this policy please contact Supercover Insurance Claims Line on 0818 275 786 or email gadgetclaims@supercoverinsurance.com

Is there an excess?

Yes there is an excess fee payable on all claims, which must be paid in full before your claim can be approved. Please refer to the Claims Procedure in the policy document for further information.

What is the claims procedure?

You must notify Supercover Insurance Ltd on 0818 275 786 as soon as possible but in any event within 48 hours of any incident likely to give rise to a claim under the insurance.

You must report the theft or loss of any mobile phone or PDA, within 24 hours of discovery to your Network Provider and blacklist your handset.

You must report the theft or accidental loss of any electronic gadgets to the Gardai within 48 hours of discovery and obtain a crime reference number in support of a theft and a lost property number in support of an accidental loss claim.

What documentation do I need to make a claim?

In the event of a claim you will need to provide evidence of ownership. This can be a copy of your receipt, delivery note or confirmation from your network provider of the phone you in use on your contract.

You may also be asked to provide evidence that your gadget has been used after the date you insured it.

Who is the policy arranged and underwritten by?

This insurance is arranged by Blue Insurance Limited and administered by Supercover Insurance Ltd with UK General Insurance Limited on behalf of the underwriter:

SureStone Insurance dac, an insurance company established in Ireland and authorised and licensed by the Central Bank of Ireland. Registered in The Republic of Ireland, registration number 340407, registered office Alexandra House, The Sweepstakes, Ballsbridge, Dublin 4.

Blue Insurance Limited is regulated by the Central Bank of Ireland. Supercover Insurance Ltd and UK General Insurance Limited are authorised and regulated by the Financial Conduct Authority. This can be checked on the Financial Services register at www.fca.org.uk/register or by contacting them on +44 (0)800 111 6768.

>Does the replacement cover work on a new for old basis?

This policy offers replacement only and is not a replacement as new policy. The intention of this policy is to put you back in the same position as immediately prior to the loss or damage. If the electronic gadget cannot be replaced with an identical electronic gadget of the same age and condition, we will replace it with one of comparable specification or the equivalent value taking into account the age and condition of the original electronic gadgets. We cannot guarantee that the replacement electronic gadget will be the same colour as the original item.

Can I cancel a policy I have bought?

It’s your right to change your mind. You may cancel the insurance, without giving reason, by sending us written notice and returning the insurance documents within 14 days of it starting or (if later) within 14 days of you receiving the insurance documents.

What charges do I incur when buying a policy?

We do not charge any additional fee’s in the supply of your policy.

Can I take out cover for my work phone?

No, this policy does not provide cover for products which are not owned by you, for example those given to you by your employer for work, or those lent to you by a friend.

However we do have a separate Corporate Gadget Insurance policy available; please refer to the website for further details.

Can we cover a child's (under 18) gadget on their parents policy?

Yes, provided they all reside at the same address.

Can I insure a gadget I bought from my friend?

No, we do not offer cover for second hand phones.

Can I insure a phone I bought from Ebay?

Yes but only if you purchase the gadget as new from a supplier in the Republic of Ireland, UK or US. You will need to provide evidence of ownership in the event of a claim.

We do not provide cover for electronic gadgets purchased second hand or from an individual.

Can I insure my phone if I do not have a receipt?

When you make a claim, it will be necessary for you to provide evidence of ownership. This can be a copy of the till receipt, delivery note, gift receipt or, if the electronic gadget is a mobile phone, confirmation from your network provider that the mobile phone has been used by you.

Can I insure a gadget I received as a gift?

Yes, you can insure this gadget provided you have a gift receipt or other evidence of ownership..

How many times can I claim on my policy in 12 month period?

We offer unlimited repair and replacements on electronic gadgets.

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

Write to us

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Existing Clients
01 882 0800
Personal Insurance
01 8820 818
Business Insurance
01 882 0848
Financial Planning
01 8820 876

About First Ireland

First Ireland is one of largest Irish-owned Insurance Brokers in the country. Founded in 1981, the company is owned and operated by its senior partners who work full time in the business. We now employ over 160 people and our extensive client list includes Irish and International Companies, large and small, including many services firms, right through to Individual Professionals.