Car Insurance For Less

You may choose to buy Comprehensive Cover, Third Party Fire and Theft or Third Party only. You can choose which cover is best suited to you. You can ask our experts for advice as it’s something we deal with every day. It is entirely up to you.

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

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

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

Most of our Comprehensive policies will automatically include windscreen cover up to a certain limit. We will notify you prior to cover if this has not been included on your policy. In some case we can add windscreen onto a Third Party Fire and Theft policy. We will provide you with the various options and you choose which suits you best.

To make any changes whether permanent or temporary, you need to call our customer service team. Please call us on 01 231 9332.

When you buy the policy, you will be asked to provide us with some documents. A cover letter will be issued to you asking you to return these documents to us. The documents we require vary from policy to policy. Details of the documents we require are set out below. Please note there may be additional documents not listed that we could request. The cover letter will list the documents that we will need from you.

Proposal Form

In most motor insurance policies we will ask you to sign and return a proposal. Please check that all details on the proposal are correct. If any details are incorrect you should contact us immediately.

Driver Licence

We require all policy holders to send us a copy of their drivers licence. It is important you send us a copy of both the front and back of your driver’s licence. We will also look for a copy of driver’s licences for any drivers named on the policy.

Certificate of No Claims Discount

For every year you are driving without an accident or a claim, you are entitled to a year’s no claims discount. These discounts are then used to reduce your insurance premium. This is usually obtained at the renewal stage of your insurance policy and is issued with your renewal invitation pack.

There are three types of discounts that we can use to help reduce your premium:

Earned No Claims Bonus

This is a bonus earned in your own name and the registration should be the same on the No Claims Bonus as the vehicle you wish to insure.

Mirrored No Claims Bonus

This is a bonus that is currently being used and earned on a different vehicle. Some insurers will allow us to mirror your no claims bonus and provide an introductory discount on the vehicle you wish to insure.

Named Driver Experience

This is a discount earned for being named on someone else’s policy. Please see below for a full description of named driver experience.

Letter of Driving Experience

A letter of driving experience is normally where you have been named on another policy – for example you may be a named driver on your wife’s/husband’s/parent’s/employer’s policy. In these cases we look for the insurance company to issue you with a letter confirming the number of years you have been named and confirm any claims details you may have.

Gap in Cover Letter

Some insurance companies allow you a no claims discount even if your last policy expired prior to taking out the policy with Insuremycars.ie. In the case where there is a break between the policies we will require you to complete a ‘gap in cover’ letter. This letter asks you to confirm that you have had no accidents or claims since the expiry date of the last policy. Normally, the maximum period an insurer will allow a gap to be is 2 years.

Direct Debit Mandate

If you have chosen to pay your insurance policy monthly we will set up a direct debit with the insurance company. In order to set the direct debit up, we will send you a direct debit form. The form must be completed and returned to our office, not to the insurers. Please note that we can only accept the mandate by post or a very clear scan. Please send all direct debit mandates to: Insuremycars.ie, Insurance House, 62A Terenure Road North, Terenure, Dublin 6w, D6W CF54.

Below is a table of the dates that each insurer collects their monthly payment:

To cancel your insurance policy, please notify our team on 01 231 9332. We will require you to send us your insurance certificate and disc, along with written confirmation indicating that you wish to cancel your policy. You may be due a refund when cancelling your policy. This will be stated in your policy documents. Please check, prior to cancelling, the amount you are due to be refunded as some insurers may charge more for cancelling especially if the cancellation is within the first year.

Car insurace policy excess varies depending on your policy. A policy excess is the amount you pay in the event of a claim where there is damage or loss to your car. For example, if your policy excess is €250.00 and you have an accident where the cost of repair is €2,000. The insurers in this case will pay you €2,000 less the €250 so the total you will receive is €1,750. You only pay an excess if it is your insurance company that has to pay the claim.

At the moment, we don’t provide an online quotation system. In order to get you the best available rates, one of our experts will go through each detail of your policy and this way we can get you the policy most suited to your needs.