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Car Insurance Assumptions

Before we provide you with a car insurance quote you will need to read and accept our Car Insurance Assumptions below. We will base your quote on the following assumptions. Please ensure you read this in full before proceeding to get a quote.

If you do not meet these criteria we may still be able to provide you with a quote over the telephone, please call us on 1890 22 22 22.

You and Your Named Drivers:

  • have never been refused insurance or renewal of insurance
  • have never had any special terms or conditions imposed by any insurer
  • have never been disqualified from driving
  • have not been involved in any accident or loss, or had any claims in the last 3 years other than claims for fire, theft or windscreen
  • have not been convicted of any offences of any nature in the last 5 years and have no convictions pending
  • have no more than 4 penalty points on your current driving licence
  • do not suffer from any disability or medical condition that would impair your ability to drive

Your Insurance History:

  • your No Claims Discount must have been earned within the last two years
  • you are using a No Claims Discount earned on a car and not on a moped or motorcycle
  • If you are the holder of a provisional driving licence, and have less than 30% No Claims Discount in your own name, you must have applied for your driving test to get a quote
  • If you are the holder of a provisional driving licence, your driving experience must be earned in your own name, and not as a named driver

Your Car:

  • is used only for social, domestic and pleasure purposes (including commuting to and from work)
  • is owned by you or your spouse/partner and you or your spouse/partner is the main driver
  • is registered in your name, or in your spouse/partner’s name
  • is normally parked at your address
  • is valued at less than €100,000
  • is not a car vanette, kit car, sports car, convertible, GTI, VTEC or high performance vehicle
  • is not converted, adapted or modified in any way.
  • is a right hand drive model
  • Is in line with our engine size limits as outlined below
Maximum Engine Size Allowed:

What Type of Licence do you have? How long have you held this licence? What No Claims Discount do you have? Maximum Engine Size
Full E.U. licence Over 5 years 1+ years insurance in your own name or eligible for introductory NCD 5 litres (5000cc)

Under 5 years

3+ years insurance in your own name or eligible for at least 3 year introductory NCD

Full Irish or Full EU

Over 5 years 0 years insurance

1.4 litres (1400cc) *

Under 5 years 0, 1 or 2 years insurance in your own name or entitled to an introductory NCD for named driving experience
Provisional Licence - 3+ years insurance in your own name 2.5 litres (2500cc)
Provisional Licence - 0, 1 or 2 years insurance in your own name 1.4 litres (1400cc)
       

* We will also quote for engines of up to 1.6 litre (1600cc) in this category, if you complete the Ignition™ driving assessment. Call us on 1890 22 22 22 for more details.

If you cannot confirm that you accept these conditions and assumptions, we are unable to offer you car insurance online at this time, please contact us on 1890 22 22 22.

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Postbank Ireland Limited, trading as Postbank and trading as One Direct, is regulated by the Financial Regulator. Registered in Ireland Number 427594. Registered Office: West Pier Business Campus, Dun Laoghaire, Co. Dublin.
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