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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
Assistance?
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 Bonus?
What is No Claim Discount
Stepback?
What is the Premium Payment
Plan?
What is Windscreen
Damage?
What is Breakdown Assistance?
Breakdown Assistance 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 Assistance, simply call 1800 34 34 35 or
from the UK: 00353 91 501692.
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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.
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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.
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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.
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What is a Green Card?
A green card has the same function as an Insurance Certificate. It is
used when travelling abroad 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 abroad
for up to 31 days. If further cover is required, please contact us prior
to travelling.
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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.
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What does Modified
mean?
This relates to any changes outside of the manufacturer’s specification
that may have being made to your car e.g. modification for a wheelchair,
addition of alloy wheels or installation of a modified engine.
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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.
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What is Protected
No Claim Bonus?
Protected No Claims Bonus option can only be offered to people who hold
5 years No Claims Bonus 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 Bonus. 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.
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What is No Claim
Discount Stepback?
With No Claim Discount Stepback, we will reduce the percentage loss of
your No Claims Bonus, resulting from a single claim on your insurance
as follows:
50% to 20%
40% to 10%
30% or less to nil
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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.
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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.
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