News & Articles
History of Motor Insurance in Ireland
Welcome to the history of car insurance in Ireland. Drivers in Ireland are legally required to have a car insurance policy before operating a vehicle on a public road. The mandatory requirement for individuals to hold motor insurance transitioned from horse-drawn carriages to motorised vehicles. The Locomotive Act was introduced in 1865, outlining the laws relating […]
Tips for submitting an insurance claim in Ireland
Guidance when dealing with an insurer in the event of a claim. Here are some of the main points to note when submitting an insurance claim in Ireland. Always keep receipts for valuable items and identification numbers as proof of ownership in case items are stolen or damaged by fire. Maintaining evidence of valuable items […]
Loss Adjuster Ireland
What is a Loss Adjuster? The insurance company appoints a Loss Adjuster to establish the cause of an insurance claim to ensure it complies with the contract’s terms and conditions. Loss adjusters review domestic and commercial property insurance claims. Loss Adjusters are claims specialists who work on behalf of the insurance company. They may also advise […]
Loss Assessor Ireland
What is a Loss Assessor? The general public appoints a Loss Assessor. It is their job to help clients to submit insurance claims. They work on behalf of policyholders when submitting a claim in relation to their business or property. For example, if your home or business was damaged by fire, flood or a storm, […]
Breakdown Cover Ireland
Breakdown Cover is also known as Roadside Assistance. It always seems to happen when you least expect it. Your vehicle won’t start or comes to an abrupt halt, or you might have a problem with a flat tyre. Breakdown Assistance will cover you 24 hours a day, seven days a week. If your vehicle breaks […]
Windscreen Cover Ireland
Windscreen Cover insures the cost of getting your car window repaired or replaced in case of damage, for instance, broken, cracked or chipped glass. Does Windscreen Cover come with all car insurance policies? This benefit generally comes as standard on Fully Comprehensive car insurance policies. If you have a Third Party Fire and Theft car […]
All Risks Cover
All Risks Cover is an additional benefit you can add to your home insurance policy. This optional extra will offer you a better level of cover for valuables than standard contents insurance. These valuables may include electronic equipment, jewellery, cameras, bicycles, laptops etc. This benefit will cover valuables for theft, loss and accidental damage inside […]
No Claims Bonus Protection
Firstly, a No Claims Bonus (also known as a No Claims Discount) is a discount that an insurance company will offer if you have not claimed in several years. A maximum discount is generally offered if you are 5 to 6 years claims free. This discount could reduce your van or car insurance premium by […]
No Claims Discount
In Ireland, insurance companies offer a No Claims Discount (NCD) to reward motorists for safe driving. Some policyholders get confused and misunderstand what it is and how it applies to their car insurance policy. Let me cover some of the most frequently asked questions. What is a No Claims Discount? No Claims Discount (NCD), also […]
What is a Policy Excess?
Policy Excess applies to most insurance contracts, including car insurance, home insurance and travel insurance. It is the amount you agree to pay towards a claim. Suppose you are involved in a car accident and submit a claim for €4,000. If the policy excess is €200, the insurance company will pay €3,800 towards the claim, […]