Your Motor

Insurance Policy
Broker

MOTOR INSURANCE
Your Motor Insurance Policy

Contents

Page
2 Definitions

4 Introduction to your policy

5 Where your car is insured

5 People insured by this policy

6 Policy cover

7 General policy conditions

13 Section 1: Third party insurance

14 Section 2: Loss or damage by fire or theft

15 Section 3: Accidental damage to your car

16 Exceptions to Sections 2 and 3

18 Standard benefits

25 Policy endorsements
31 General exceptions

34 Allianz claims service

38 Complaints

39 Consumer Information
Your Motor Insurance Policy

Definitions
The defined terms below will have the Excess
same meaning wherever they appear. This is how much you must pay when
making a claim. We deduct this
Audio equipment when we pay your settlement.
Audio equipment includes:
• phone equipment Hire and reward
• navigational equipment This means the car is used as a
• global positioning equipment public service vehicle or street
(GPS) service vehicle as defined in road
• in-car entertainment systems. traffic legislation.

Car Market value

Any motor vehicle, the details of The amount you could reasonably
which you have told us about and/or expect to pay for your car had you
are shown on your schedule and bought it immediately before it was
your certificate of insurance. lost or damaged. We or an
independent specialist firm will
Certificate of motor insurance decide this value. We will do this by
This document gives evidence that comparing cars available in the
you have motor insurance cover and market similar to yours in terms of:
is required by law. • make
• model
Endorsement • engine capacity
Means optional covers that you may • age
select, or limitations to covers that • mileage
we may apply. It also means any • ownership history
changes that are made to the policy • general condition
including but not limited to: • other relevant factors.
• changing your car
• adding or deleting a driver Material fact
• terms This is any information or fact we will
• conditions ask you for which might influence our
• exceptions assessment or acceptance of the risk
proposed to us. It also includes
An endorsement may be part of the information or facts asked in relation
policy, or we may issue it separately. to any claim.
An endorsement may increase or
reduce the level of cover provided by
your policy.

2
Your Motor Insurance Policy

Definitions (Continued)
Misrepresentation Statement of fact
This is when someone provides The document which lists the facts
fraudulent, inaccurate, misleading or you have given us and your
incomplete information. confirmation that these facts are true
and complete.
Period of insurance
How long your contract of insurance Territorial limits
lasts as specified on your schedule This means the countries and places
(see definition below) or your where you and your car are insured.
renewal notice.
Vehicle write-off/total loss
Policy When a suitably qualified assessor
The contract of insurance based on: decides that due to damage your car
the statement of fact (see is a statutory or financial write-off.
below)/proposal form
• schedule (see below) A statutory write-off means that
• policy document your car is no longer fit to return to
• any endorsements (see previous) the road and should be destroyed or
we may issue. taken apart for parts.

Schedule A financial write-off means that your

The schedule is a document that car can be repaired to a safe
shows the following information: condition, but the cost of repairs
• the cover provided by your policy means it would be uneconomical to
• any endorsements which apply to do so.
your policy
• your details. We, us or our
Allianz p.l.c.
Spouse or partner
This is the husband, wife or partner You or your
of the insured. They must be co- The person named as the insured or
habiting and sharing household policyholder on your schedule and
expenses or responsibilities. certificate of motor insurance.

3
Your Motor Insurance Policy

Introduction to your policy

We have set up your policy of Insurance Act 1936 (or future
insurance using the information you amendments)
have provided. All monies which become or may
become payable by us under this
Your policy is made up of the policy shall, in accordance with
following documents: Section 93 of the Insurance Act 1936,
• your statement of fact or your be payable and paid in the Republic
proposal form of Ireland.
• your schedule
• this policy document Finance Act 1999 (or future
• any endorsement which we may amendments)
issue to you. The appropriate stamp duty has
been or shall be paid in accordance
What we need to provide you with the provisions of Section 5 of the
with cover Stamp Duties Consolidation Act 1999.
We will provide the cover described
in this policy if: The law applicable to the contract
• the information you have given us Under the relevant European and
on your statement of fact, or your Irish law both you the insured (the
proposal form, is correct and proposer), and us the insurer, may
complete, to the best of your choose whether Irish law or EU law
knowledge applies to the contract.
• anyone insured has complied with
all terms, conditions, exceptions We propose that Irish Law applies to
and general exceptions of this the contract.
policy.
Please see ‘General policy conditions’ Signed on behalf of Allianz
on page 7 for additional important
information on this.

If you have any questions

You should fully read these John Ryan
documents and contact us or your Chief Underwriting Officer
intermediary if any information is not
correct, or if you have any queries. This policy is underwritten by
Allianz p.l.c.
This policy is a legal document.
Please keep it safe. Registered Office: Allianz House,
Elmpark, Merrion Road, Dublin 4, D04
Y6Y6.

4
Your Motor Insurance Policy

Where your car is insured

There are limits to where you and 3. In foreign countries
your car are insured, these are called We provide the legal minimum
your 'territorial limits'. insurance required by law to use your
car in any European country and any
1. Countries covered other country that meets the
This policy covers you to drive your minimum insurance requirements set
car in the following countries: by the European Union.
• Republic of Ireland
• Northern Ireland Your policy cover is also
• Great Britain automatically extended to cover you
• the Isle of Man for up to 60 days in any period of
• the Channel Islands. insurance, to travel to or in any
European country and any other
2. Travelling between countries country that meets the requirements
This policy also covers you to drive set by the European Union.
your car while you are using: Your policy only covers you while you
• sea transit are visiting or traveling to these other
• Channel Tunnel transport counties. You will not be covered if
• rail transport (including loading you permanently move to another
and unloading). country.

People insured by this policy

• You are insured by this policy. Motor Insurance, provided your
• Anyone permitted to drive as car is not owned, leased or hired
stated on the certificate of motor by the employer or business
insurance is insured by this policy. partner.
However, this does not include • Any passenger travelling in or
anyone in the motor trade getting into or out of your with
business who might drive your consent is insured.
your car for maintenance, upkeep • The legal personal representative
or repair. Employers or business of any of the above person(s)
partners of you or your (following their death) is insured
spouse/partner are also covered, by this policy, but only for the
if outlined on the Certificate of deceased's liability.

5
Your Motor Insurance Policy

Policy cover
Open driving
If your policy includes open driving, it will be outlined on your statement of fact
and your certificate of insurance. An age restriction will apply to anyone driving
your car under open driving. This restriction will be outlined on your certificate of
insurance. Anyone using your car under open driving must have a full clean
licence and no more than 6 penalty points or two fixed charge notices.

What your insurance covers you for

Your schedule shows the cover that applies to your policy.
If your cover is Benefit of Cover provided
Third party* Section 1 Covers your liability if you (or any insured
driver) causes injury or damage to property.
Third party, fire Sections All of the above plus cover if your car is
and theft 1 and 2 damaged by fire or if it is stolen.
Third party, Sections All of the above plus accidental damage to your
fire, theft and 1, 2 and 3 car including damage caused by vandalism.
accidental This is known as comprehensive cover.
damage
*Note: You cannot buy third party cover, however, we reserve the right to
restrict your policy to third party cover.

6
Your Motor Insurance Policy

General policy conditions

We will provide the cover outlined in 2. Misrepresentation
this policy once you and any other You have a duty to provide all material
person insured follow the conditions facts asked of you. When arranging
outlined below. Consequences of not your insurance over the phone, by
keeping to or breaching these email, via our website or through your
conditions are outlined below. insurance intermediary you declared
that the answers you provided were, to
1. Paying your premium the best of your knowledge and belief,
We provide the cover you have true and complete in every respect
selected, as shown on your schedule and that you did not make any
in return for payment of your annual misrepresentations. You
premium and any additional acknowledged the importance of
premium which might become due. answering all questions honestly and
taking reasonable care not to make a
Paying your premium in full misrepresentation when providing us
If you decide to pay your annual with answers to the questions asked.
premium in full, you must make sure
that we receive the payment on or Failure to do so may lead to the
before your policy renewal date. voidance of your policy and/or your
claim not being paid at all or only
Paying your premium by direct debit part of your claim being paid to you. If
If you are paying your premium by you are in any doubt about whether
direct debit you must keep your or not a fact is material, you must
payments up to date. If you do not,
contact us or your intermediary for
we may:
clarification.
• ask that you pay the premium in
You must also have asked all the
full before we settle any claim
other drivers covered by this
• deduct any outstanding premium
insurance policy all the relevant
from any claim payment we make
questions to get the information we
to you
need about them.
• cancel your policy (see page 10
for details on policy cancellation).
Examples of misrepresentation:
In the event of a claim in the current • Not answering questions truthfully;
period of insurance, the full annual • Failing to notify us of any changes
premium becomes due. to responses to questions we
We reserve the right to request full previously asked you;
payment of any outstanding • Deliberately misleading us in order
premium or deduct any outstanding to obtain a cheaper premium or
premium from any claim payment we more favourable policy terms;
may make to you. • Making a false verbal or written
statement to us;
• Providing us with false or forged
documents.

7
Your Motor Insurance Policy

General policy conditions (continued)

This is not an exhaustive list and if we 4. Claims fraud
identify any misrepresentation by you You will forfeit all rights under this
or any other person insured under policy and you will lose all rights to
your policy, we may: pursue a claim if you, or any other
• apply a premium loading or person insured under this policy:
recalculate your premium which • make a claim which is in any way
means that an additional premium false, inflated, exaggerated,
will be due to us and/or; and/or fraudulent and/or;
• apply further terms and conditions • support a claim with any false,
to your policy and/or; inflated, exaggerated, and/or
• reduce or restrict your cover fraudulent documentation and/or;
and/or; • provide any fraudulent document
• remove a driver or a car about and/or fraudulent verbal or written
which you misrepresented the statement which is untrue and false.
information and/or;
• invoke cancellation of your policy In addition, we may:
and/or; • invoke cancellation of your policy
• declare your policy void from the and withhold any return premium
start date – we will treat the policy due to you and/or;
as if it never existed and/or; • reduce the payment under a claim
• withhold any return premium due in proportion to the breach of a
to you and/or; policy condition and/or;
• inform An Garda Síochána/Police • recover from you the total amount
Authorities of the circumstances. of any claim already paid under
If we take any of these actions, you the policy and/or;
may lose all rights to pursue a claim • seek payment from you for the
under this policy. The above is in costs involved in recovering our
addition to any other rights we have, loss and/or;
as outlined in this document. • inform An Garda Síochána/police
authorities of the circumstances.
Note: If we cancel or void your policy,
this may impact your ability to obtain 5. Driving licences
insurance elsewhere. You and anyone else insured must
obey the conditions of your driving
3. Changes to your material facts licence.
You must continually update us if These conditions include:
there is a change to any of your • restrictions and categories for the
material facts during the lifetime of class of vehicle being driven;
this policy. If you tell us about a • whether or not the person driving
change, it may result in a change to must be accompanied by a
your policy conditions and/or qualified driver;
premium. • any other condition or restriction
which may apply.

8
Your Motor Insurance Policy

General policy conditions

If you or any other driver do not obey insured to drive your car, does not
the conditions of your driving licence, hold a valid driving licence or is
we may: disqualified from driving.
• declare your policy void from the
start date - we will treat the policy If you do not do so, then we may:
as if it never existed or; • refuse to pay a claim or only
• invoke cancellation of your policy partially pay a claim and/or;
and/or; • recover from you the total amount
• remove the driver who has failed of any claim already paid under
to obey the conditions of their the policy and/or;
driving licence and/or; • reduce the payment under a claim
• refuse to pay a claim or only in proportion to the breach of a
partially pay a claim and/or; policy condition and/or;
• recover from you the total amount • seek payment from you for the
of any claim already paid under costs involved in recovering our
the policy and/or; loss and/or;
• seek payment from you for the • declare your policy void from the
costs involved in recovering our start date - we will treat the policy
loss and/or; as if it never existed and/or;
• inform An Garda Síochána/police • invoke cancellation of your policy
authorities of the circumstances. and/or;
• cancel your policy from the date of
6. Looking after your car any misrepresentation.
You must:
• take all reasonable care to We must have free access to examine
safeguard your car from loss or your car as required.
damage and prevent injuries;
• keep your car in a roadworthy 7. Other insurance
condition, including its lights, If any loss or damage is covered by
mirrors, braking systems; any other insurance, we will not pay
• where necessary, make sure your more than our share of the claim. This
car has a valid NCT certificate; does not override the references to
• fit tyres appropriate to your car, other insurances (Exceptions to
and make sure that tread depths Section 1).
comply with the legal limit;
• make sure you do not leave your 8. Our right of recovery
car unattended and/or unlocked; If we pay a claim under your policy
• not leave your ignition keys or where we believe another person(s) is
any device of the same function in at fault, we reserve the right, in your
your car while unattended or name or in the name of any other
unlocked; party, to recover any payment(s) we
• make sure that your car is not make from the person(s) we believe is
accessible to any driver who is not at fault.

9
Your Motor Insurance Policy

General policy conditions (Continued)

If the law requires us to pay a claim to the cancellation date of your
that would not otherwise be covered policy.
by your policy, we reserve the right to
recover the amounts we have paid, If for any reason we decide to cancel
from you or from the person on your policy, we will issue a written
whose behalf we made the payment. notice to you. If we cancel your policy
and nothing has happened that may
9. Deferment clause result in a claim during the current
As per the conditions outlined below, period of insurance, we will refund
you can choose to defer the impact part of your premium for any
of a motoring offence and/or a remaining period of insurance. The
claim(s) on your insurance premium if exception to this is when the reason
your renewal notice has already been for cancellation is as shown in the
issued to you. General policy conditions of this policy
and where it says we are entitled to
(a) Deferment clause and motoring keep the premium.
offences
If you or anyone else insured is No matter who cancels the policy, if
convicted of a motoring offence there has been a claim during the
before your policy is renewed, it period of insurance we will not return
may not have been reflected any of the premium you have paid.
when calculating the renewal
terms and premium. If this If you cancel your policy within the
happens, we may choose to treat first 14 working days of the period of
the offence as if it happened insurance, no transaction charge will
during the period of insurance apply. However, if you cancel your
which is shown on your schedule. policy after the first 14 working days,
(b) Deferment clause and claims a transaction charge will apply. This
If a claim is made before you transaction charge is outlined on your
renew your policy, this may not be policy schedule. If we cancel your
reflected when calculating the policy, at any stage, no transaction
renewal terms and premium. If this charge will apply.
happens, you can ask us to change
our offer of renewal, or wait until 11. What happens if you don’t pay
the following renewal date for that your direct debit?
claim to be taken into account. If you are paying your premium by
monthly direct debit and you fail to
10. How can you cancel your policy? pay on a due date, we may cancel
You can cancel your policy at any your policy.
time by contacting us or your
intermediary and requesting 12. How can you suspend your
cancellation. You are required to policy?
return the certificate of insurance and You can suspend your cover, by
disc. You must pay your premium up contacting us or your intermediary

10
Your Motor Insurance Policy

General policy conditions (Continued)

and requesting suspension of your made by agreement between you
policy. You are required to return the and us. If we cannot agree on the
certificate of insurance and disc. choice of arbitrator, then we will ask
the Chairperson of the Bar Council of
We will refund 80% of the premium Ireland to appoint the arbitrator.
for the period the policy is suspended Disputes not referred to an arbitrator
provided: within twelve months from the date
• your policy is suspended for a on which the Financial Services &
minimum of 28 consecutive days Pensions Ombudsman confirmed
• you did not make a claim during that they were unable to investigate
the current period of insurance the dispute will be deemed to be
• your policy is not suspended as a abandoned.
result of an accident or loss
• your policy is not issued or *Note: Allianz reserve the right not to
renewed for less than 12 months. refer a dispute to an Arbitrator. If this
happens, the dispute may be brought
Where your cover is comprehensive, to court as a legal matter.
or third party fire and theft, we will
provide fire and theft cover while 14. Assignment
your policy is suspended. You may not assign any rights,
benefits, or proceeds of any claim, to
If you pay your premium by monthly a third party, unless it has been
direct debit, you must continue your requested by you and been
payments during any period of agreed by us beforehand.
suspension.
15. Premium calculation
13. Dispute resolution Your premium may be affected by
If a dispute arises out of this policy your claims experience, number of
and it cannot be settled between us, penalty points or convictions. If it has,
you can refer the matter to the we will show any impact to your
Financial Services and Pensions premium on your premium
Ombudsman. Please refer to the breakdown summary.
Consumer Information section of this
policy for their contact details. 16. Sanctions
This policy will not cover you for any
If the Financial Services and Pensions business or activity where such cover
Ombudsman is unable to investigate or payment of any claim would
the dispute, the matter can be expose us to any sanction, prohibition
decided by means of arbitration*. or restriction under United Nations
The case can be referred to the resolutions or the trade or economic
decision of an arbitrator who will sanctions, laws or regulations of the
decide on the matter. The European Union, United Kingdom or
appointment of the arbitrator will be United States of America and/or any

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Your Motor Insurance Policy

General policy conditions (continued)

other applicable national economic
or trade sanction law or regulations.

17. Reporting incidents

If your car is stolen or if either you or
anyone else (including any
passengers in your car, occupants of
any other car or any pedestrians) are
injured in an accident involving your
car, you must report this to us and An
Garda Síochána. If such theft or
accident happens outside the
Republic of Ireland you must report it
to us, the relevant police authorities
in that jurisdiction and An Garda
Síochána.

12
Your Motor Insurance Policy

Section 1: Third party insurance

We will pay if you or anyone else Emergency treatment
insured becomes legally liable for We will pay for emergency treatment
damages for: to a third party as required by road
1. death or bodily injury or disease traffic legislation. A payment made
to anyone for emergency treatment will not
2. damage to property. affect your no claim bonus (NCB).

We will cover the damage outlined in

1 and 2 above if caused by the use of: What does third party cover
• your car, or
not include?
• use of a home electric vehicle
charging cable, or
Except where it is necessary to meet
• a trailer or caravan attached to
the requirements of road traffic
your car, or
legislation, we will not be liable for
• a trailer or caravan owned by you
the following:
while detached from your car.
1. Property
However, your policy does not cover
We will not cover damage to
any mobile home or permanently
property belonging to, or in the
sited temporary dwelling.
custody or control of anyone insured
while driving your car.
The most we will pay for property
damage will be €30 million for any
2. Your car
claim or number of claims arising out
We will not cover any damage to any
of any one accident.
car you or anyone else insured is
driving or using.
Costs and expenses
We will pay for reasonable costs and
3. Other drivers
expenses associated with the
We will not cover any damage or
insurance we provide. First you must
injury caused by anyone who is
get written agreement from us, then
insured to drive your car under
we will pay for the following.
another motor insurance policy.
• Solicitor's fees to represent you:
• at a coroner’s inquest, or
4. Death or injury
• fatal injury inquiry, or
We will not cover death or bodily
• in a Court of Summary
injury to anyone that is caused as a
Jurisdiction.
result of their employment.
• We will also pay for the cost to
We will not cover death or bodily
defend you against a charge of:
injury to anyone who is driving, or is in
• manslaughter, or
charge of your car.
• causing death, or
• serious bodily injury by
Other exceptions
dangerous driving.
Also see the ‘General exceptions’ that
• We will pay for other costs and
apply to this policy.
expenses which the law allows us
to get back later.
13
Your Motor Insurance Policy

Section 2: Loss or damage by fire

or theft
We will pay for loss of or damage to owner. If you do not provide the keys
your car and any accessories or spare or devices, this may have an impact
parts caused by: on any claim you make under this
• fire section of the policy.
• lightning
• explosion Charging cable cover
• theft We will pay for loss or damage by
• attempted theft. fire or theft to your charging cable
while it is in use. If we make a
Market value payment for such loss or damage to
The most we will pay for loss or your charging cable, it will not affect
damage by fire or theft will be the your NCB.
market value immediately before
such loss or damage was caused. Battery cover
We will pay for loss or damage by
Accessories as specified by the fire or theft caused to your battery
manufacturer even if you're leasing it separately
We will pay for the cost of from the car.
replacing accessories, spare
parts or audio equipment that Excess applicable
are part of the manufacturer’s You must pay the amount of the
specification for your car. excess stated on your schedule
Where accessories, spare parts whether or not you are at fault for the
or audio equipment do not loss or damage. Note: We will not
form part of the manufacturer’s apply an excess in the event of a
specification, we will only pay claim for loss or damage by fire or
for the cost of replacing these theft to your charging cable.
items if you have told us about
the change and we have Customs duty
agreed to provide cover for it. If your car is lost or damaged within
the territorial limits and you have
Your car must be missing for 14 days paid customs duty, we will also
after we have been notified before refund the customs duty if we cover
we will consider it lost by theft. the loss or damage to your car.
If a claim or claims are made for the
theft of your car, we will request all See also page 36 for more
the sets of keys or any device of information on how we pay a claim.
similar function from the registered

14
Your Motor Insurance Policy

Section 3: Accidental damage to

your car
We will pay for loss of or accidental Charging cable cover
damage (including damage caused We will pay for accidental damage to
by vandalism) to your car and its your charging cable while it is in use.
accessories and spare parts while in If we make a payment for damage to
or on your car. your charging cable, it will not affect
your NCB.
Panoramic glass
We cover damage to panoramic roof Battery cover
glass under this section.
We will pay for accidental damage
caused to your battery even if you're
Market value
leasing it separately from the car.
The most we will pay for any claim for
loss or accidental damage will be the
market value immediately before Excess applicable
such loss or damage was caused. You must pay the amount of the
excess stated on your schedule
Accessories as specified by the whether or not you are at fault for the
manufacturer loss or damage. Note: We will not
We will pay for the cost of replacing apply an excess in the event of claim
accessories, spare parts or audio for damage to your charging cable.
equipment that are part of the
manufacturer’s specification for your Customs duty
car. Where accessories, spare parts or If your car is lost or damaged within
audio equipment do not form part of the territorial limits and you have paid
the manufacturer’s specification, we customs duty, we will also refund the
will only pay for the cost of replacing customs duty if we cover the loss or
these items if you have told us about damage to your car.
the change and we have agreed to
provide cover for it. Also see page 36 for information on
how we pay a claim.

Note on policy excess: If loss or damage results from an incident involving an

uninsured third party driver and we decide that the driver or person in charge
of the insured car was not at fault, then you will not have to pay an excess.
However, if we cannot find this out before paying the claim, you will have to
pay the excess. If we later confirm that an uninsured third party driver was
involved, we will pay you back the excess.

15
Your Motor Insurance Policy

Exceptions to Sections 2 and 3

1. Costs is locked. This includes mobile,
We will not pay for: portable or removable items of
• losses you sustain through not equipment such as (but not
being able to use your car limited to) roof/cycle racks, roof
• costs you incur for hiring boxes, jump leads etc.
another car, unless you use an
aligned repairer and we This exclusion does not apply to
provide you with a courtesy car. child seats. The most we will pay
for the loss of or accidental
2. Wear and tear damage to child seats is €625 for
We will not pay for any damage to any one event.
your car caused by wear and tear.
7. Unpermitted use
3. Changes in the value of your car We will not pay for loss or
We will not pay for: accidental damage caused by:
• reduction in value of your car • any use of your car that is not
due to depreciation allowed by your certificate of
• repairs or replacements that motor insurance
improve your car beyond its • any uninsured driver.
condition before an insured
incident which results in loss 8. Incorrect fuel
or damage. We will not pay for loss or
damage as a result of incorrectly
4. Certain breakdowns fuelling your car or from the use
We will not pay for failures or of substandard or contaminated
malfunctions that are: fuel, lubricants or parts.
• mechanical
• electrical 9. If keys left in your car
• electronic. We will not pay for loss or
accidental damage arising from:
5. Tyres • theft or any attempted theft
We will not pay for damage to while the ignition keys or any
tyres caused by applying the device of similar function have
brakes, road punctures, cuts or been left in or on your car
bursts. • loss or accidental damage
arising from theft or any
6. Accessories and spare parts attempted theft while your car
We will not pay for loss of or is not locked.
accidental damage to accessories
or spare parts while your car is 10. Unauthorised taking of your car
unattended unless the items have We will not pay for unauthorised
been placed in the locked boot or taking or theft of your car by any
closed compartment and your car member of your family, or anyone

16
Your Motor Insurance Policy

Exceptions to Sections 2 and 3 (continued)

normally living at your address, or 14. Deliberate damage
who has access to your home. We will not pay for loss or
accidental damage caused by a
11. Modifications deliberate act carried out by you
We will not pay for any or any other person insured.
modifications unless they form
part of the manufacturer's 15. Importing parts
standard specification (other than We will not pay for the cost of
a modification due to a disability) importing parts or accessories
or are optional extras that we from outside the European Union.
have agreed to cover.
16. Excessive cost of parts
12. Broken glass If parts or accessories are
We will not pay for broken glass unobtainable or out of stock, we
in the windscreen, windows or will not pay any additional cost
sunroof of your car, or any over and above the price
scratching of bodywork resulting indicated in the manufacturer's
directly from such breakage most recent European list price.
where such damage is the only
damage caused. This exception 17. Repairs outside Republic
does not apply if you have of Ireland
selected windscreen cover and We will not pay for any additional
endorsement number 3 (see cost over and above the repair
Policy endorsements) appears on costs that would be paid in the
your schedule. Republic of Ireland.

13. Convictions 18. Electric and hybrid cars: over-the-

We will not pay for loss or air updates (OTAs)
accidental damage caused by an We will not cover:
accident if you or anyone else 1. loss or damage caused by OTA
insured has been convicted or has (over-the-air) updates that are
a pending conviction for: not approved by your car's
• breath, blood or urine manufacturer
alcohol/drug levels above the 2. loss or damage caused by
legal limit in road traffic failure to install and/or accept
legislation OTA updates recommended by
• failing to provide a sample of your car's manufacturer.
blood, breath or urine
• leaving the scene of an accident Also see the ‘General exceptions’
that apply to this policy.

17
Your Motor Insurance Policy

Standard benefits
1. No claim bonus Note: If your NCB has been
For each year no claim bonus reduced as a result of a claim that
(NCB) you earn, you will receive a is later settled for zero, we will
discount on your annual insurance reinstate your NCB and refund
premium (subject to our you the difference in premium.
maximum discount allowed). If we pay for any fire, theft,
vandalism or windscreen claim(s),
If an incident occurs during the this will not affect your NCB
period of insurance which results entitlement.
in a claim, your NCB will reduce as
outlined in the table below, unless If a claim is made under your
you have selected Protected NCB policy, we may increase premiums
which is described in the or change your policy terms and
endorsements section of this policy. conditions.

How your step-back NCB is affected by accidental damage or third

party claims

Years of NCB Years of NCB at your next renewal after you have:
at your last
renewal date No claim 1 claim 2 claims or more

0 1 0 0
1 2 0 0
2 3 0 0
3 4 0 0
4 5 1 0
5 6 2 0
6 7 2 0
7 8 2 0
8 9 2 0
9 9 2 0

18
Your Motor Insurance Policy

Standard benefits (continued)

2. Temporary substitutions Act 1981 where a fire brigade unit
Your policy also covers any attend the scene of an accident.
private car (excluding cars used The most we will pay for fire
for hire and reward) loaned to brigade charges is €2,025.
you for up to seven days while
your car is: If you make a claim for this
• being serviced or repaired benefit, you will not have to pay
• having an NCT. an excess and it will not affect
your NCB.
This cover applies if the car is
loaned to you by a: 5. Replacement locks, car keys, key
• garage cards and lock transmitters
• motor engineer The most we will pay is €1,525
• vehicle repairer. towards the cost of replacing and
or recoding of locks, keys or
3. Car sharing similar devices for your car if they
When your car is being used for are stolen:
social, domestic or pleasure a. from your permanent or
purposes to carry passengers and temporary residence as a result
you receive payments for this, we of forcible entry or exit
will not consider it to be using b. arising out of an assault or
your car for hire and reward threat of violence
provided:
a. your car is not constructed or We will not pay:
adapted with more than nine a. any costs if the theft of keys or
seats (including the driver) similar devices is not reported
b. the passengers are not being to an Garda Síochána
carried for hire and reward b. the additional cost of importing
purposes any part from outside of the
c. the total payments you receive European Union.
for a journey do not involve an
element of payment for profit. If you make a claim for this
benefit, you will not have to pay
4. Fire brigade charges an excess and it will not affect
Provided there is a valid claim your NCB.
under your policy, we will pay for
charges under the Fire Services

19
Your Motor Insurance Policy

Standard benefits (continued)

7. Allianz Breakdown Assistance
Breakdown assistance is only included on policies with comprehensive
cover. It is not available on policies with any other level of cover.

Driveway and roadside assistance

Emergencies covered
Mechanical or electrical breakdown, for example a flat battery.
A puncture or wheel change that you need help with.
Keys broken in locks or keys locked in your car.
Loss or theft of keys.
Your car being filled with incorrect fuel type or lubricant.
Your car has been involved in an accident.
Your car runs out of fuel or your electric vehicle runs out of battery.

Benefits
Repair or tow
We will send a competent repairer or towing agent to assist you at the
breakdown site.

Cost of towing
We will cover the cost of towing your car to the nearest repairer or to your
own garage, whichever is closest. The maximum distance covered for this
towing benefit is 50KM or 30 miles from the location of your breakdown.

Note: In the extremely unlikely event that there are no repairers within a 50km
(30 miles) radius of your breakdown location, you may have to pay additional
mileage charges.

We will cover the cost of towing your car to the nearest petrol station, or your
electric vehicle to the nearest electric vehicle charge point, or your home
charge point, whichever is closest.

Messages
We will send up to two messages to family members or business contacts on
your behalf.

20
Your Motor Insurance Policy

Standard benefits (continued)

Journey continuation – Republic of Ireland and Northern Ireland

Emergencies covered
Breakdown
You will be covered if your car breaks down in the Republic of Ireland or
Northern Ireland (more than 30km/18 miles from your home address) and
your car cannot be repaired at the breakdown site.

Benefits
What we will pay for
We will pay for one out of the three below:
1. We will pay up to €150 or £100 to enable you and your passengers to
complete your journey.
or
2. We will provide you with a free courtesy car (class B - small hatchback) for
up to 48 hours
or
3. We will provide you with bed and breakfast accommodation where repairs
mean you have to stay overnight. The most we will pay is up to €35 or £25
for each person, up to a total of €150 or £100.

21
Your Motor Insurance Policy

Standard benefits (continued)

Journey continuation - Great Britain

Emergencies covered

When your car breaks down in Great Britain and it cannot be repaired at the
breakdown site.

Where your car cannot be repaired prior to your departure date, your car will
be towed to your departure port.

Benefits
We will provide you with a courtesy car (class B - small hatchback) for up to
48 hours. The most we will pay for this benefit is €150 or £100.

When repairs have been carried out on your car in Great Britain we may, with
your agreement, make arrangements for you to travel and collect it from the
repairing garage.

In such circumstances, we will make arrangements to repatriate your car to

Ireland and for it to be towed on to the nearest competent repairer or to your
own garage, whichever is closest.

The ferry company may insist that you accompany your car on its homeward
journey.

In such circumstances you are required to provide us with details of your return
ferry ticket.

Phone numbers you might need

If you have one of the breakdown emergencies listed above, you might need
the following phone numbers:
• 01-613 3990, when calling within the Republic of Ireland
• 00 353 1 613 3990, when calling within Northern Ireland or Great Britain –
England, Scotland and Wales.

22
Your Motor Insurance Policy

Terms and conditions of breakdown

assistance service
Callouts Expense
We will not be responsible for any
Four call-outs maximum expense you incur without our
We will provide a maximum of four approval or agreement beforehand.
callouts in any one 12-month period
of insurance. Journey continuation
Once you have contacted us, you are
Your car only only entitled to avail of journey
We cover call outs for your continuation benefits if we have
permanent car only. provided assistance and your car is
not repairable at the breakdown site.
Breakdown emergencies covered You may have to pay the cost of
You can only get breakdown journey continuation at the time but
assistance for the emergencies listed you will be entitled to reimbursement
above. of the amount paid subject to the
limits of €150 or £100. We will
You must fix your car after request receipts or invoices in order
breakdown to arrange a refund for you.
If your car breaks down due to a fault
with the car and you avail of You must meet the repairer at
breakdown assistance, you must your car
make sure to fix this fault. Unless you You must be present at your car
fix it, you cannot get further when the repairer arrives. If you are
assistance within two working days of not present at your car and therefore
the previous callout. we cannot help you, you must pay for
any future assistance.
Location of nearest repairer
If you are unfamiliar with the area You must pay costs
you have broken down in and do not When your car has been delivered to
know the location of the nearest a repairer, you must pay the costs of
repairer, we can request that the repairs and the cost of any
attending agent provides this replacement parts.
information for you. Please be aware
that this is for information only and is Car must be roadworthy
not a recommendation. Once we Your car must be kept in a
recover your car, we do not provide roadworthy condition and you must
any more assistance. make sure that it is maintained in line
with the manufacturer’s
requirements.

23
Your Motor Insurance Policy

Terms and conditions of breakdown

assistance service (Continued)
Breakdown in Great Britain Travel for commercial goods or
Where you have broken down in passengers
Great Britain, we will not pay for your We do not cover the onward travel or
car to be brought back to the island delivery of passengers or goods that
of Ireland if we estimate that it would you are carrying in a commercial
cost more than the current Irish capacity, at the time of breakdown.
market value of your car.
Courtesy car terms and conditions
Cover is for Ireland and Great Britain
The Allianz Breakdown Assistance We will only provide a courtesy car if
service covers the islands of Ireland one is available. If we are unable to
and Great Britain. provide you with one, you can avail
of the other journey continuation
benefits outlined above (journey
The following are not covered by our completion or B&B accommodation).
breakdown assistance service However, we must agree the cost of
all onward travel.
Draining or removing contaminated
fluid is not covered If you avail of a courtesy car, you must
The cost of draining or removing meet the requirements of the rental
contaminated or incorrect fuel type company. The courtesy car is for your
or lubricant is not covered. However, personal use only and you may not
we will tow your car to the nearest use it as a taxi to carry passengers for
garage (max 50km/30M) for hire and reward purposes.
assistance. You will have to pay for
any work carried out. If the courtesy car is due to be returned
at a time when the rental company is
Specialist equipment closed, please note that you may be
Breakdown assistance does not cover required to return it earlier. If you can’t
you for recovery which requires return the car earlier, you may be
specialist equipment. charged additional rental to cover the
period beyond your 48-hour allowance
Over 3.5 tonnes provided under the terms of your
Breakdown assistance does not cover policy.
vehicles with a gross vehicle weight
(GVW) of more than 3.5 tonnes. GVW
is the weight of the vehicle plus its
maximum payload as shown on the
vehicle log book.

24
Your Motor Insurance Policy

Policy endorsements
The following endorsements apply If we pay under this endorsement, we
only if the endorsement number is will not apply an excess and it will
shown on your schedule. These not affect your NCB.
endorsements refer to the additional
benefits you have chosen and/or We may increase premiums or
restrictions in cover we may apply to change the terms and conditions of
your policy. They are subject to the your policy or withdraw this benefit if
terms, conditions, exceptions and you have a poor claims history.
general exceptions of your policy.
Windscreen cover applies to your
Endorsement 1 permanent car only and you are not
Your policy does not include entitled to a courtesy car while your
accidental damage cover for Irish windscreen is being repaired.
learner permit holders
Endorsement 4
We will not pay for loss or accidental Driving other cars
damage to your car while it is being
driven by or is in the charge of you or We will insure you as outlined in
any other person insured who holds section 1 while you are driving
an Irish learner permit. another private car under the
following conditions.
Endorsement 3
Windscreen cover 1. The car must not belong to you,
your spouse/partner or your
We will pay for repair or replacement employer.
of glass in the windscreen, windows
and sunroof of your car (except 2. The car must not be hired or
panoramic roof glass) including any leased to you or your employer
scratching of the bodywork directly under a hire purchase, rental or
caused by this breakage. If your leasing agreement.
claim is processed through our
aligned windscreen repair network 3. The car must not be the property
no limit applies. of, or in the custody or control of a
motor trade business of which you
If you choose to use a repairer who is are a director, member or
not part of our aligned windscreen employee.
network, , the most we will pay is €425.
4. The car must be a private
We may decide to use suitable glass passenger vehicle. This policy does
which is not supplied by the original not insure you to drive:
manufacturer. • vans or car-vans

25
Your Motor Insurance Policy

Policy endorsements (continued)

• commercial vehicles such as Cover under Endorsement 4
vans or jeeps with no seats in is limited
the back: Cover under this endorsement is
• vans or jeeps with no seats in limited to use within the island of
the back Ireland.
• vans adapted to carry
passengers except in the case If you fail to follow and comply with
of vehicles professionally the provisions 1 to 9 listed previously,
modified for drivers or we may:
passengers with a disability • recover from you the total amount
• cars registered outside the of any claim we have already paid
Republic of Ireland. you under the policy. This includes
• cars with more than nine any costs we incur to get this
seats (including the driver). payment from you and/or;
• remove Endorsement 4 from your
5. The car must have a valid NCT policy and/or;
certificate and comply with road • cancel your policy and/or;
traffic legislation. • not return any premium due to
you if we have made a payment
6. You must have the owner’s under a claim and/or;
permission to drive the car and • apply a premium loading or
you must not use or have used it recalculate your premium which
for more than 30 days. means that an additional
premium will be due to us.
7. Your car must not have been sold
or disposed of.

8. Your car must not have been

declared a vehicle write-off.

9. The other car you are driving

must be insured under another
policy of insurance.

26
Your Motor Insurance Policy

Policy endorsements (continued)

Endorsement 5
Protected No Claim Bonus (NCB)

Where your policy includes Protected NCB, the table below shows how your
NCB is affected by accidental damage or third party claims:

How your NCB is affected by accidental damage of third party claims

Years of NCB at your next renewal after you have:

Years of NCB
at your last No claim 1 claim 2 claims 3 claims or
renewal date more

0 1 1 0 0
1 2 2 0 0
2 3 3 0 0
3 4 4 0 0
4 5 5 1 0
5 6 6 2 0
6 7 7 2 0
7 8 8 2 0
8 9 9 2 0
9 9 9 2 0

Any claim payment for fire, theft, vandalism or windscreen damage will be paid
without impact on your NCB entitlement.
If you make one or more claims under your policy, we can increase premiums or
change your policy terms and conditions.
Although you can protect your NCB, your premium may be affected by your claims
experience and it may increase. If your premium has been affected by your claims
experience any impact to your premium will be outlined on your premium
breakdown summary.

27
Your Motor Insurance Policy

Policy endorsements (continued)

Endorsement 6 - Additional benefits or their legal personal
A. New car replacement representatives the benefits in the
We will replace your car with a new table below.
one of the same specification (subject
to availability) if, within 12 months of Conditions of payment
you buying it as new, it is: 1. The total amount we will pay for
a. accidentally damaged to an items 1 to 4 below, is €15,000 or
extent greater than 60% of the less.
manufacturer's last published list
price (inclusive of Value Added 2. We will not pay any benefit until
Tax) we know the total amount and
b. lost by theft and not recovered have agreed it. However, if
within 14 days of the loss being someone suffers temporary total
reported to us. disablement, and we receive an
invoice, we will pay it eight weeks
Points a and b above are subject to after the accident.
the following.
- You must own the car or buy it 3. We will not pay the driver of your
under a hire purchase agreement. car any benefit arising out of an
We will not replace cars that are accident where:
subject of a leasing agreement or a. they were convicted, or a
contract hire agreement. prosecution is pending, under
- We must reach agreement with any road traffic legislation
any interested hire purchase relating to the level,
company to the extent of their concentration or quantity of
legal entitlement. alcohol or drugs in their body
b. after a post mortem
B. Motor tax examination they are found to
We will pay the amount of the have a higher level,
unexpired portion of paid motor tax if concentration or quantity of
you are unable to recover a refund alcohol or drugs in their body
from the Licensing Authority following than is permitted by the road
a statutory write-off (which is insured traffic legislation of the territory
under your policy) of your car. where the accident happened.
In this event, we also will not
C. Personal accident benefits pay to the legal personal
At the time of an accident, where the representative of the driver.
driver or any other occupant of your c. they are not permitted to drive
car suffers injury by accidental as defined on their current
external violent and visible means, certificate of motor insurance.
we will, if you ask us to, pay the driver

28
Your Motor Insurance Policy

Policy endorsements (continued)

Benefits we may pay. See ‘conditions of payment’ that follows

Item number Benefits

1. Death. €15,000

2. Complete and permanent loss of sight of one or €15,000

both eyes.

3. Loss by severance of one or more limbs at or above the €15,000

wrist or ankle.

4. Permanent total disablement. €15,000

This means permanent inability to perform or attend to
any business, profession or occupation.

5. Temporary total disablement. €60

This means temporary inability to perform any part of per week for
your usual business or occupation. up to 50
weeks
However, we will pay this benefit only for the time the (excludes
person spent as an in-patient in hospital when they: the first 14
• have no occupation, business or profession from which days)
they receive a salary
• have retired
• are a student
• are unemployed.

Otherwise it is at our discretion based on the medical

evidence produced.

6. Medical, surgical and hospital fees and cost of necessary €200

medical appliances related to the injury. per week for
up to 10
This means in-patient care for more than seven consecutive weeks
days in an institution that has:
• facilities for diagnosis, treatment and major surgery
• accommodation for people as in-patients.

It does not include:

• a long-term nursing unit
• geriatric or pre-convalescent ward
• extended care facility for convalescence, rehabilitation or
other similar function.

29
Your Motor Insurance Policy

Policy endorsements (continued)

4. Under item 6 in the table above, • documents
you must give us detailed • securities (financial certificates
accounts, receipts and other like shares and bonds).
adequate documents before you
can claim for reimbursement. If we pay a claim under B, C and D
5. Where any other policy (policies) above, we will not apply an excess
are held by you or your spouse, and it will not affect your NCB.
you can get compensation from
only one policy. Endorsement 7
Exclusion of accidental damage cover
D. Personal effects and clothing
We will pay you (or at your request, Section 3 (accidental damage) of this
the owner of the property) for loss of policy does not provide cover while
or damage to personal effects and your car is being driven by or in the
clothing while: custody or control of any person
• in or on your car by fire or theft (or aged under 30 years of age.
attempted theft), or
• by accidental means. Endorsement 8
Inclusion of loss of or accidental
The following conditions apply. damage cover for trailers

1. The most we will pay is up to €775 We will pay for loss of, or accidental
for any one occurrence. damage to any trailer, details of
which have been given to us. The
2. If we pay anyone else other than cover will be as shown on your
you, we will pay them directly. schedule and in the same way as for
They must abide by the terms, a car as detailed under Sections 2
conditions and exceptions of your and 3 of this policy.
policy as they apply to them.
Endorsement 9
3. We will not pay for personal Satellite tracker device installation
effects and clothing if your car is
being used for hire and reward If in exchange for a premium
purposes at the time of the loss or reduction, we require you to install a
damage. satellite tracker device. Unless this
satellite tracker is operational and
4. We will not pay for loss of or maintained in line with the suppliers’
damage to: recommendations, we will not pay for
• money loss of or damage, theft of, or
• stamps attempted theft damage to your car,
• tickets its accessories or spare parts.

30
Your Motor Insurance Policy

General exceptions
These exceptions apply to all sections liability would have existed anyway,
of the policy. even without the agreement.

This policy does not cover the 3. Certain injuries, loss or damage
following except where it is necessary This policy does not cover you for
to meet the requirements of road certain injuries, losses or damage.
traffic legislation.
a. This policy does not cover you for
1. Driver and use of your car ionising, radiations, or
a. We do not cover any injury, loss or contamination by radioactivity
damage occurring while your car from any:
is being driven by anyone or used • irradiated nuclear fuel
for anything that the certificate of • nuclear waste from the
motor insurance does not allow. combustion of nuclear fuel.

However, in relation to theft, as b. This policy does not cover you for
described in Section 2, we still the radioactive, toxic, explosive or
cover loss or damage to your car other hazardous properties of any
and accessories or spare parts explosive nuclear assembly or of
while in or on your car. its nuclear component.

b. You must hold a licence to drive 4. Earthquakes and commotions

your car otherwise we will not This policy does not cover you for:
cover any injury, loss or damage a. earthquakes
occurring while you are driving it.
b. riot or civil commotion.
c. Anyone driving your car must hold
the relevant licence otherwise they Riot or civil commotions include any
are not covered by this policy. This action taken in controlling,
is the case even if you have given preventing, suppressing or in any way
them permission to drive your car. relating to riot and civil commotion.

Exceptions B and C do not apply if 5. Aircraft in the air

the person has previously held, and is This policy does not cover you for loss
not disqualified from, holding or of or accidental damage to your car,
obtaining such a licence. and its accessories or spare parts
while in or on your car, caused by:
2. Contractual liability • pressure waves from aircraft
This policy does not cover you for any travelling at sonic or supersonic
liability you have under an speeds
agreement or contract, unless that • items dropped from them.

31
Your Motor Insurance Policy

General exceptions (Continued)

6. Aircraft on the ground b. This policy does not cover any act
This policy does not cover you for any of terrorism.
accident, injury, loss, damage or
liability when any car covered by your Acts of terrorism
policy is in an area of an aerodrome, An act of terrorism means an act
airport, airfield or military including but not limited to, the use of
establishment that is used for: force or violence. This includes the
a. take-off or landing of aircraft or threat that results from the force or
movement of aircraft on the violence. It includes the threat made
ground by any one person or group of
people. This is the case if they are
b. aircraft parking, including the acting alone or on behalf of or in
associated services roads, connection with any organisations or
refuelling areas, ground governments.
equipment parking areas, hangars
and maintenance areas. Terrorism may include acts
committed for political, religious,
7. War and terrorism ideological or other purposes
This insurance does not ever cover including when it is intended to
liability, loss, damage, cost or influence any government or to put
expense of any nature connected in the public, or any section of the
any way to those listed below in A public, in fear.
and B. This is the case even if there
was any other cause or event This policy does not cover any
contributing at any time to the loss. liability, loss, damage, cost or
expense in any way related to action
a. This policy does not cover: taken to control, prevent or suppress
• war any of the events listed in in A or B
• invasion above.
• acts of foreign enemies
• hostilities or warlike operations If we allege that, by reason of this
(whether war is declared general exception, any liability, loss,
or not) damage, cost or expense is not
• civil war covered by this policy, you must
• rebellion prove that it is.
• revolution
• insurrection If we cannot enforce any part of this
• civil commotion assuming the general exception or it is found to be
proportions of or amounting to invalid, the remainder will still stay in
an uprising full force and effect.
• military or usurped power.

32
Your Motor Insurance Policy

General exceptions (Continued)

8. Cyber risk extends to third parties who may be
This policy does not apply to liability, either directly or indirectly affected as
loss, damage, cost or expense of a consequence of such cyber security
whatsoever nature directly or risks.
indirectly caused by, resulting from or
in connection with cyber security risks 9. Pollution or contamination
including but not limited to: This policy does not cover any injury,
• Hacking; loss, damage or liability caused by
• phishing, smishing or other types pollution or contamination unless the
of social engineering; pollution or contamination is caused
• loss of, alteration of or damage to by a sudden identifiable unintended
or; and unexpected incident which
• access, change, transfer or occurs in its entirety at a specific time
disclosure or; and place during the period of
• inability to access or; insurance.
• reduction in the functionality,
availability, operation or; We consider all pollution or
• unauthorised access, compromise contamination that comes from one
and misuse or; incident to have occurred at the time
• infection with malicious code, virus the incident takes place.
or worm
of computer systems, hardware, data,
components or peripherals. This

33
Your Motor Insurance Policy

Allianz claims service

You must report to us within 48 hours, • negotiate the settlement of any
any accident, injury, loss or damage claim.
which may give rise to a claim under
this policy. 2. Forms
You must complete any form or
You must report all incidents to our forms we may send you.
Emergency Services on the phone
numbers below: 3. Information
• Republic of Ireland: 01-613 3990 You must give us all information,
• Northern Ireland or Great Britain: documentation and help we need.
00 353-1-613 3990
4. Keep us informed
You must tell us immediately
What to do if there is an accident about any:
• impending prosecution
If there is an accident, you should get • inquest
the following information: • fatal inquiry
1. the names, contact details and • writ
vehicle details of all parties • unanswered summons.
involved
You must send us, as soon as
2. the insurance details including the possible, any writ or summons, letter
policy number of all parties or other documents you may receive.
involved
5. Details of your car
3. details of any witnesses to the You must give the registration and
incident or members of An Garda insurance details of your car to any
Síochána (the Irish police) that other party involved and if you are
attended the scene of the asked, also to An Garda Síochána.
accident.
6. Report the incident
4. if it is safe to do so, take some If your car is stolen or if either you or
photographs of the scene and the anyone else (including any
cars involved. passengers on your car, occupants of
any other car or any pedestrians) are
injured in an accident involving your
Things you should do car, you must report this to us and An
Garda Síochána. If such theft or
1. Responsibility accident happens outside the
Unless you have our written Republic of Ireland you must report it
agreement, you must not: to us, the relevant police authorities
• admit responsibility in that jurisdiction and An Garda
• sign any statement Síochána.

34
Your Motor Insurance Policy

Allianz claims service (Continued)

Consequences of failing to abide by cover claims for fire, theft/attempted
1-6 above theft, accidental damage or
vandalism.
If you fail to abide by 1-6 above, we
may not pay your claim and we may When you call us to report one the
cancel your policy. At any stage incidents above we can:
during any claim we can take over - tow your car to an Allianz
and conduct the defence or Aligned Repairer
settlement of the claim. In addition, - arrange for our aligned repairer
we can also pursue the claim for our to provide you with a courtesy car
own benefit in the name of any for a period of 7 days if you have
person insured. accidental damage included with
your policy. The car provided will
be a class B (small hatchback)
Accident with uninsured drivers courtesy car.
- provide you with a courtesy car
If you are involved in an accident (class B) for up to 14 days if your
with an uninsured driver or visiting car is stolen. If your car has not
motorist from outside the country, been recovered after this time, we
you must report it to the following: will then consider it stolen.

The Motor Insurers Bureau Note: If we give you a courtesy car

of Ireland you must make sure you meet the
5 Harbourmaster Place requirements of the rental company
IFSC as terms and conditions may apply.
Dublin 1 The courtesy car is for your personal
D01 E7E8 use only and you may not use it to
Phone number: +353 1 676 9944 carry passengers for hire and reward.
Email: [email protected]
Website: www.mibi.ie.

Help in the event of an accident

This section is about the cover

provided and the payments we will
make under sections 2 and 3 which

35
Your Motor Insurance Policy

Allianz claims service (Continued)

Claims Payment Write-off

This section is about the payments we In the event that your car is deemed to
will make under sections 2 and 3 of be either a statutory or financial write-
this policy. off, we will not pay more than the
market value of your car immediately
prior to the loss or damage.
Sections 2 & 3
If we settle a claim as a total loss, we
If your car is repairable, we may
reserve the right to own the salvage.
choose from the following options to
pay your claim: If your car is an electric car and you
(i) make a payment in cash of the lease or hire the car battery, in the
amount of loss or damage with event of a write-off, we may be
the most we will pay being the required to make a payment to the
amount that would be assessed owner of the battery.
by our engineer for repair of the
vehicle at an Allianz Aligned
Repairer. If we know that your car Getting your car repaired
is the subject of any financial
agreement, including hire If your car suffers damage which is
purchase or leasing agreement covered by your policy, we recommend
any payment will be made to the that you take it to an Allianz Aligned
owner to the extent of their legal Repairer, or that you arrange for its
entitlement collection by one of them. Allianz
OR Aligned Repairers are authorised to
(ii) accept your choice of repairer commence works within certain limits.
with the most we will pay being The most you may authorise repairs for
the amount that would be is an amount up to €650.
assessed by our engineer for
repair of the vehicle at an Allianz If you choose not to use an Allianz
Aligned repairer Aligned Repairer we will pay up to
OR €350 for all fees connected with
(iii) have your car repaired or towage and storage if your car is
reinstated at an Allianz Aligned immobile as a result of an accident,
Repairer where we will settle vandalism, fire, or attempted theft.
directly with the repairer so you If your car is being repaired by an
don’t have to make any Allianz Aligned Repairer every effort
payments, other than your policy will be made to provide you with a
excess. If you are registered for courtesy car, however this is not
VAT, you must pay the VAT guaranteed. When a courtesy car is
amount to the repairer. provided, you must ensure that you
meet the criteria of the hire company.

36
Your Motor Insurance Policy

Allianz claims service (Continued)

The courtesy car provided will usually Collection & Delivery
be a class B (small hatchback)
courtesy car. If your car is damaged or considered
by an Allianz Appointed Engineer to
The courtesy car supplied will be be a total loss, we will pay to have it
insured in exactly the same way we removed to free and secure storage. If
insure your current car. You must your car can be repaired, once repairs
return the courtesy car when we or the are complete we will pay for the
owner asks you to or if the insurance reasonable cost of delivery of your car
expires and you do not renew it. to your address last advised to us.

We may decide to use suitable parts Where an excess is applicable, the

or accessories which are not supplied repairer will require you to pay the
by the original manufacturer. excess before your car is released. If
you are registered for Value Added
Alternatively, if you choose not to use Tax you may also be required to pay
an Allianz Aligned Repairer we will the VAT amount to the repairer
not provide you with a courtesy car before your car is released.
and we will only pay what an Allianz
Appointed Engineer states it would
Other insurance
have cost to repair your car by an
Allianz Aligned Repairer. If any loss or damage is covered by
any other insurance, we will not pay
We may at our discretion pay you the more than our share of the claim. This
cost of replacing damaged parts does not override the references to
including their fitting. other insurances (Exceptions to
Section 1).
If any part or accessory is not
available, the most we will pay for
that part will be the cost shown in the Our right of recovery
manufacturer's last Republic of
If we pay a claim under your policy
Ireland price list plus fitting cost.
where we believe another person(s) is
at fault, we reserve the right, in your
We will not pay the whole cost of any
name or in the name of any other party,
repair or replacement that leaves
to recover any payment(s) we make
your car in a better condition than
from the person(s) we believe is at fault.
before the loss or damage.
If the law requires us to pay a claim
If your car is an electric car and you
that would not otherwise be covered
lease or hire the car battery, in the
by your policy, we reserve the right to
event of damage to your car, we may
recover the amounts we have paid,
be required to make a payment to
from you or from the person on
the owner of the battery.
whose behalf we made the payment.

37
Your Motor Insurance Policy

Complaints
We aim to deliver the very highest The Financial Services and
standards of customer care. If you Pensions Ombudsman
have any enquiry or complaint, Lincoln House
please contact us with your policy, Lincoln Place
quote number (if relevant) and Dublin 2
details at: D02 VH29
Phone: 01-567 7000
Website: www.allianz.ie Email: [email protected]
Email: [email protected] Website: www.fspo.ie.
Phone: 01 613 3000
Alternatively, if you prefer to write Insurance Information Services –
to us, you can address a Insurance Ireland
complaint to: First Floor
Chief Customer Officer, Allianz 5 Harbourmaster Place
p.l.c. Allianz House Elmpark, IFSC
Merrion Road, Dublin 4, D04Y6Y6. Dublin 1
Phone: 01-676 1820
If we do not resolve your complaint Fax: 01-676 1943
to your satisfaction and you are Email: [email protected]
unhappy with our final response, you Website: www.insuranceireland.eu
can refer your complaint to either or
both the:
• Financial Services and Pensions
Ombudsman
• Insurance Information Services –
Insurance Ireland.

The Ombudsman deals with all

insurance-related complaints except
limited companies with a turnover of
€3 million and above.

38
Your Motor Insurance Policy

Consumer Information
Who we are: Your insurance is Remuneration: An Allianz staff
underwritten by Allianz p.l.c., trading member may receive a payment in
as Allianz, with a registered address of relation to the processing of your
Allianz House, Elmpark, Merrion Road, policy.
Dublin 4, D04 Y6Y6. Allianz are
registered with the Companies Policy alteration, additional and
Registration Office under number return premiums: If you alter your
143108 and have a Vat number policy during any period of insurance
4887986M. we will recalculate your premium. This
may result in an additional premium
You can contact us at either of the due to us, or a return premium due to
following; Tel: +353 1 6133000, and you. A premium transaction charge
Email: [email protected] may be applied to alterations, as
detailed in your schedule. We will only
Regulatory status: Allianz p.l.c. is charge or refund you provided the
regulated by the Central Bank of total amount, including the premium
Ireland. transaction charge, is greater than or
equal to the amount detailed in your
Codes of practice: Allianz is subject to schedule. Where applicable, a
the Central Bank of Ireland's government levy will be applied to
Consumer Protection Code and your premium calculations.
Minimum Competency Code which
offer protection to consumers. These Alteration to terms and conditions: If
Codes can be found on the Central there is a claim we may advise you, at
Bank's website: www.centralbank.ie. your next renewal, of altered policy
terms and conditions which increase
What we do: Allianz p.l.c. is a non-life your premium and/or excess,
insurance company which underwrites and/or reduce/restrict cover.
personal, commercial, education,
religious and social insurance Data protection: Your data will be
products. When dealing directly with processed primarily for insurance
personal customers we underwrite administration purposes, including
general insurance products on a non- underwriting, claims handling,
advisory information only basis. reinsurance and fraud prevention. We
will retain it for these purposes in line
How we charge: The charge for our with our records retention policy. The
services is the premium (including, legal bases for processing your data is
where applicable, a government levy). the performance of a contract of
This premium, and any optional covers insurance, legal obligation, legitimate
selected, are separately set out in your business interests and consent. Full
policy schedule / renewal notice. data protection details can be found

39
Your Motor Insurance Policy

Consumer Information (Continued)

in your policy documentation and on full terms and conditions of your
our website www.allianz.ie. Policy.

Claims: If you need to make a claim, Withdrawal means that no policy was
please contact us at +353 1 613 3990 ever in place, and you can obtain this
or at the above address. When you by sending us or your intermediary
contact us, please provide your policy written notice, quoting your policy
number, details of what happened, number. We will then refund
and the time and date of the incident. you any part of your premium you
have paid. If the cover is motor
Conflicts of interest: We regard insurance, the premium cannot be
preventing conflicts of interest as one refunded until the Allianz Certificate of
of our priorities. It is our policy to Motor Insurance and Insurance Disc
maintain appropriate administration have been returned to us. If you
structures to ensure that the potential cancel your policy within the first 14
for any conflict of interest is avoided working days of the period of
as far as possible. The company has insurance, no transaction charge will
established guidelines for assessing apply. Please note that the right of
the risk posed by any conflict of withdrawal does not apply if the
interest that arises and for adapting insurance policy under which
the measures to be taken accordingly insurance cover is provided for is less
if a conflict cannot be avoided. than 1 month.

Default: Not paying your premium or Cancellation at any time: Both you
part of it (including where you are and Allianz may cancel / terminate
using our direct debit option) or a the policy by notice to the other in
breach by you of certain conditions of accordance with the terms set out in
your policy may lead to your policy your policy. If you cancel your policy
being revoked or cancelled, in after the first 14 working days, a
accordance with the terms set out in transaction charge will apply. This
your policy. We reserve the right transaction charge is outlined on your
to pursue you for any outstanding policy schedule. If we cancel your
premium. policy, at any stage, no transaction
charge will apply. A copy of your
Right of withdrawal: You have the policy is available on request.
right to withdraw from this policy,
provided you have not made a total Period of insurance: The period of the
loss claim, within 14 working days of contract of insurance is as specified in
the latest of: your Schedule / Renewal notice.
(1) the starting date of cover, or
(2) the date on which you receive the

40
Your Motor Insurance Policy

Consumer Information (Continued)

Governing law: You and Allianz may The cap on the amount to be paid out
choose the law applicable to this of the fund in the event of a liquidation
contract. It is hereby agreed that this is 65% of the claim or €825,000
contract is governed by Irish Law whichever is the lesser. However, in the
unless we agree with you otherwise in case of third party motor insurance
writing. The Courts of the Republic of claims, where an insurer is in
Ireland will have jurisdiction to hear liquidation the fund will make a
any dispute other than any dispute payment of 100% of an award.
which must be referred to arbitration
under the dispute resolution clause of A sum due to a commercial
this policy. policyholder may not be paid out of
the fund unless the sum is due in
Customer communications: Your respect of a liability to an individual.
policy and all communications with
you or by you to us will be in English. Call Recording: Please note that
Allianz may record and monitor
Compensation: If we are unable to telephone calls for regulatory, training
pay a claim, you may be entitled to and quality purposes.
compensation from the Insurance
Compensation Fund in Ireland.

41
Allianz p.l.c.
Allianz House
Elmpark
Merrion Road
Dublin 4
D04 Y6Y6.

Tel: (01) 613 3000

Email: [email protected]
Website: www.allianz.ie
57 MOT 07/25 KD

Allianz p.l.c. is regulated by the Central Bank of Ireland. Registered in Ireland No. 143108
Calls may be recorded or monitored for regulatory, training and quality purposes.