About One Direct | Claims | Contact Us      
One Direct offers great value Car and Home insurance. We also offer very competitive Life Assurance. Get a quick and easy online quote or call 1890 22 22 22.  
Take me to:
Search
go
Homepage
General Insurance
Personal Finance
Life Assurance
Get Motoring with One Direct Car Insurance!
€50 worth of Prize Bonds for the duration of your policy
 
One Direct Car Insurance Call 1890 22 22 22
Home > General Insurance > FAQ > Car Insurance

Car Insurance Links

Discounts and Benefits
Get a Quote
Phone Numbers
Making a Claim
FAQ

Car Insurance - Frequently Asked Questions

One Direct aims to make car insurance easy to understand. We have developed a comprehensive list of questions and answers relating to car insurance. For any further details, please contact us on 1890 22 22 22.

What is Breakdown Rescue Cover?
What does D.O.C. mean (Driving Other Cars)?
What is Excess?
What does Gap in Cover mean?
What is a Green Card?
What is Employer Indemnity?
What does Modified mean?
What is Open Driving?
What is Protected No Claims Discount?
What is No Claim Discount Stepback?
What is the Premium Payment Plan?
What is Windscreen Damage?


What is Breakdown Rescue Cover?

Breakdown Rescue Cover includes cover for roadside and driveway assistance with up to one hour's labour free in the event of a mechanical breakdown, malicious damage, punctures, lost or stolen keys, keys broken or locked in car, etc. It also covers towing your car to the nearest competent repairer or your own garage (whichever is closer), completion of journey if more than 30 km from your home and other replacement and accommodation benefits which are subject to certain conditions. This cover applies to both Ireland and the UK. To arrange Breakdown Rescue Cover, simply call 1800 34 34 35 or from the UK: 00353 91 501692.

Top of page

What does D.O.C. mean (Driving Other Cars)?
D.O.C. is a facility which allows you the actual policyholder to drive other cars on a third party basis only. This facility is not available to everybody and is subject to certain conditions.

Top of page

What is Excess?

Excess is the amount you, as the policyholder, must pay towards any claim you make. In the case of standard excess, you will pay the first €300 yourself. You have the option to increase the excess to €600, which will reduce your premium or you may decrease the excess to €125, which will incur a slight additional Premium. No excess applies to windscreen claims or to third party fire & theft cover.

Top of page

What does Gap in Cover mean?

If your previous car insurance has expired over thirty days ago, this represents a Gap in Cover. Reasons for this gap must be given.

Top of page

What is a Green Card?

A green card has the same function as an Insurance Certificate. It is used when travelling within the EU and is internationally recognised as proof that your car is insured. We can provide you with your Green Card prior to travelling. The Green Card automatically provides you with cover within the EU for up to 31 days. If further cover is required, please contact us prior to travelling.

Top of page

What is Employer Indemnity?

This applies to persons who use their car in connection with their job. The employer will in some cases require a letter of indemnity from the insurance company. This means that if the insured has an accident while driving the car for work, the employer will not be held liable.

Top of page

What does Modified mean?

This relates to any changes outside of the manufacturer’s specification that may have been made to your car e.g. modification for a wheelchair, addition of alloy wheels or installation of a modified engine.

Top of page

What is Open Driving?

Our open driving is an optional cover which allows other drivers to drive your car as long as they are over 25 and under 70 years of age with a full EU licence. They must have no convictions in the last 5 years, endorsements or disqualifications in the last 10 years or claims in the last 3 years and must not have more than 4 penalty points. To qualify, you the policyholder must have your Full/EU licence for more than 5 years and have a minimum of 30% No Claims Bonus.

Top of page

What is Protected No Claim Discount?

Protected No Claims Discount option can only be offered to people who hold 5 years No Claims Discount in their own name. It allows you to incur up to two unlimited claims in a three-year period without incurring any loss of your current No Claims Discount. On your third claim, No Claim Discount Stepback benefit applied. Claims for windscreen breakage, fire and theft are not considered a claim under this option.

Top of page

What is No Claim Discount Stepback?

With No Claim Discount Stepback, we will reduce the percentage loss of your No Claims Discount, resulting from a single claim on your insurance as follows:
50% to 20%
40% to 10%
30% or less to nil

Top of page

What is the Premium Payment Plan?

With our premium payment plan you can pay your premium over 10 monthly instalments. You can select to pay your instalments as follows:

  • By BillPay at the Post Office - using cash, cheque or Laser card
  • By www.billpay.ie
  • By Direct Debit from your Bank Account. In this instance, you must pay your first instalment over the phone or by cheque, money order, credit card or Laser card.
    You can then pay your remaining instalments automatically by Direct Debit from your Bank Account.

Top of page

What is Windscreen Damage?

Windscreen Damage constitutes accidental breakage of the windscreen or any other car window (excluding sunroof) and scratching of bodywork resulting solely and directly from such breakage.

Top of page

 

General Insurance Products

Car

Home

Terms of Business | Terms & Conditions | Privacy Policy

An Post Financial Services  National Standards Authority of Ireland

© 2010 One Direct - All rights reserved.
One Direct (Ireland) Limited, trading as One Direct, is regulated by the Financial Regulator. One Direct (Ireland) Limited is a subsidiary of An Post. Registered in Ireland Number 452399. Registered Office: GPO, O'Connell St., Dublin 1.
This site is best viewed in IE 5.5+.