Cover Information
Each car insurance policy will be different and it is important that you choose the right policy to suit your needs. Not everyone will be looking for the same cover so we offer a choice of quotes allowing you to buy the policy that suits you.
Our quotes are delivered by our insurance specialists in a way that is easy for you to understand and we strive to provide you with a comprehensive understanding of exactly what you’re paying.
Insuremycars.ie works with up to 12 different Insurance Underwriters. This shows the variety of options and potential quotes that a customer can get from our policies.
Comprehensive Cover
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
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 Only
Third Party insurance will cover you for any third party claims if you are involved in an accident and are found to be at fault. However, it will not cover the cost to repair your car if the car is stolen, lost or damaged by fire.
Breakdown Assistance (Roadside & Home Start)
Breakdown Assistance will provide you with roadside and home start support in the event of a breakdown. This will guarantee a seamless recovery with the aim of getting your car back on the road as quickly as possible. Be sure to ask your insurer about their Breakdown Assistance policy to ensure you have the best possible cover.
Windscreen Cover
Windscreen Cover allows the policyholder to recoup the cost of any windscreen repairs, which includes full windscreen replacement if necessary. Fully Comprehensive insurance policies usually have windscreen cover as standard. With Third Party Fire & Theft cover, it is usually an add on in the region of €35. Windscreen claims usually don’t affect your No Claims Bonus, however you should always ask your insurer to be certain.
Step Back Bonus Protection typically costs less than Full Bonus Protection, however it also offers you a lower form of cover. If there is a claim made against your insurance, you can lose part of your No Claims Discount. An example of this is if you have five years No Claims Bonus before a claim is made, this can be stepped back to 2-3 years meaning there is a reduction in your no claims discount, however it is partially protected.
One of our dedicated motor insurance specialists are waiting to help you choose the benefits and cover that will work best for you. Call us on 01 231 9310 or click below to get started with your quote now.
For a more detailed guide check out the full benefits list or the policy booklets in the download section.
