Frequently Asked Questions


What does the term Average

The term ‘subject to average’ means that if the sum insured at the time of a loss is less than the insurable value (rebuild cost) of the insured property, the amount claimed under the policy will be reduced in proportion to the under-insurance this is also called average clause.


What is Third party fire & theft cover

Third party, fire and theft insurance covers you for any damage caused to a third party or their property if you are involved in an incident, while also covering your own car if it’s damaged by fire or stolen.


What is an Excess

The first part of any claim which you have to pay.


What does protected no claims bonus mean

This will allow you either one or two claims (depending on the insurer) in a certain period without it affecting your no claims bonus.


What is meant by All Risks Cover

All risks cover is an optional extra on your contents insurance, to cover certain items for loss, damage or theft, whilst they are outside of the home.


What is the right thing to do in the event of an accident

  • If the accident involves injury to people you are required by law to report the incident to the Gardaí or local police (if abroad) as soon as possible and in any case within 24 hours.
  • Exchange names, addresses registration number, & insurance details with anyone involved.
  • Obtain the names and addresses of any witnesses.
  • Don’t admit liability at the time.
  • Take photos of the damaged vehicles, road markings, traffic signs etc.
  • Notify your insurance broker as soon as you can
  • Forward to your insurance broker any correspondence you receive in connection to same.

What is driving of other Cars (DOC)

Driving other cars extension is limited to third-party only cover. The insurance company will only cover claims made against you by other drivers.
It also means that if you borrow your friend’s car, damage to the car will not be covered. If you have this cover it will be noted on your certificate of insurance. This extension is only given to the policyholder and not the other drivers on the policy.


What is Comprehensive

Comprehensive insurance provides the same level of cover as Third Party Fire & Theft but will also cover your own damage in the event of an accident, even if you’re at fault for the accident. This cover also usually includes windscreen cover also.


What does Step back no claims bonus mean

This means in the event of a claim you keep part of your no claims bonus, depending on the insurance company you are insured with. You could lose 2 or 3 years of your bonus.


What is accidental damage cover

Accidental damage covers accidents that result in damage to, or loss of property.  An example of this would be accidentally spill a tin of paint over your carpet/floor.


How much should I insure my buildings for

You can obtain guidance on reinstatement value on https://www.scsi.ie/

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