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No two drivers are the same. That’s why we search through a broad range of products from a number of top insurance providers to find the best fit for you.
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Comprehensive? Third Party?
What does it all mean?
Don’t hesitate to give us a call if you have any further questions regarding the levels of cover.
As a First Ireland car insurance policyholder you will have access to our extra benefit package, AdvantageFirst.
AdvantageFirst includes First Ireland Rescue, First Ireland Personal Accident Cover, First Ireland Uninsured Loss Recovery Service, First Ireland Total Loss/Vehicular Theft Replacement Car Facility, First Ireland Uninsured Drivers Excess Payment
This benefit package is in addition to the benefits provided by your underwriter.
Call us today to learn more about AdvantageFirst and how it can add extra value to your car insurance policy.
Car Insurance F.A.Q.
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.
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Modified for disability
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Car Insurance Claims
We offer a Full Claims Advice and handling Service, and are here to help you every step of the way. We will also help you get the best possible settlement if you do. With First Ireland you are also not alone in the event of making a claim against a third party – we have a specialist service to help you right through to claim settlement, including recovery of your uninsured losses.
Make sure no one is injured. If you have any doubts ring the emergency services.
Get the registration numbers of the other vehicle(s) involved.
Get the insurance details (insurer and policy number) from their insurance disc(s).
Get the phone numbers of the other people involved.
Contact details and insurance information of anyone else involved.
Contact details of any witnesses or Gardai (or other police if abroad).
If possible, try to take some photos of the scene using your mobile phone (from a safe place).
Ring us and report the claim as soon as possible.
Don't admit liability, even if you think the accident is your fault.
Don't move your vehicle until it is safe to do so.
www.accidentsketch.com to help with accidents.
What to do in the event of an accident:
Contact your local Garda Station immediately to report the theft.
Ask the Gardai for their case Reference number, contact person and contact details (if they don’t have it yet, they will post it out to you).
Ring us and report the theft as soon as possible, and will we take it from there.
What to do in the event of theft:
Call us to check your approved repairer for windscreen damage
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.