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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) |
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* 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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