Casco (own-damage car insurance) — Ireland

[1] Own damage: Covered ↩

In addition to Third Party Fire and Theft benefits, Comprehensive cover pays for loss or damage to your own car, its accessories and spare parts, caused by an accident or vandalism, generally settled up to the car's market value at the time of loss.

[2] Total loss: Covered ↩

If the car is declared a statutory write-off, Allianz settles the claim and will also pay the un-expired portion of motor tax if you cannot obtain a refund from the Licensing Authority.

[3] Partial loss: Covered ↩

Repair costs for accidental damage or vandalism to the insured car are covered under Comprehensive cover, subject to policy excess and terms.

[4] Theft & robbery: Covered ↩

Depending on your cover type, you are covered if your car is stolen, damaged by fire or accidentally damaged; a car reported missing must remain so for 14 days before Allianz treats it as a theft loss, unless Garda confirmation accelerates settlement.

[5] Glass damage: €425 ↩

Windscreen Cover is an optional extra available with both Third Party Fire & Theft and Comprehensive cover. It includes all glass in the car (excluding panoramic roof glass on post 01/07/2025 policies). If Allianz's Aligned Windscreen Repairers are used there is no limit on repair/replacement cost and no excess applies; if a non-aligned repairer is used payment is limited to €425.

[6] Natural perils: Covered ↩

No Allianz Ireland-specific policy wording naming storm or flood perils was found in the reviewed sources; industry guidance confirms such damage is generally covered under comprehensive motor policies, but Allianz's own documents describe this cover generically as 'accidental damage'.

[7] Vandalism: Covered ↩

In addition to the cover provided by Third Party, Fire and Theft, with Comprehensive cover you are also covered for loss or damage to your car caused by vandalism, and its accessories and spare parts while in or on the car.

[8] Roadside assistance: Optional ↩

Allianz Breakdown Assistance is an optional extra requiring additional premium, covering mechanical/electrical breakdown, punctures, lock-outs, wrong fuel and running out of fuel/battery. It is only available while driving in the Republic of Ireland, Northern Ireland and Great Britain.

[9] Replacement vehicle: Covered ↩

The 24/7 Emergency Service (available to Comprehensive policyholders in the event of an accident, and to all policyholders for fire/theft/attempted theft) includes towing to an approved garage and a free replacement car for up to 7 days while yours is being repaired (14 days if the car was stolen).

[10] Driver accident: €15,000 ↩

Personal Accident cover is an optional extra available with either Third Party Fire & Theft or Comprehensive cover. It pays up to €15,000 for death or serious bodily injury (loss of sight, loss of limb, permanent total disablement) to the driver or an occupant following an accident involving the insured car, plus €60 per week for up to 50 weeks for temporary total disablement and €150 per week for up to 10 weeks for medical, surgical and hospital fees.

[11] Own damage: Covered ↩

Comprehensive cover pays for loss of or damage to the car caused by accidental means, fire, theft or attempted theft; Third Party, Fire and Theft cover pays only for loss or damage caused directly by fire, self-ignition, lightning, explosion, theft or attempted theft (accidental damage is excluded under this tier). Payment is capped at the current market value of the car at the time of loss; no separate monetary limit is stated.

loss or damage over the current market value of the car at the time of the loss;

[12] Total loss: Covered ↩

If the car is a total loss, Aviva pays a cash amount not exceeding the current market value of the car at the time of loss. New Car Replacement (same make and model) applies instead if the original and only owner insures the car from new, the car is stolen and not recovered or damaged in a single accident within 12 months of first registration, and repair/replacement cost exceeds 50% of the current Republic of Ireland new list price.

We will replace your car with a new car of the same make and model (if a car is available in the Republic of Ireland) if: • you are the original and only owner of your car from new; and • within 12 months of first registering your car, it is stolen and not recovered or is lost or damaged (in a single accident) and the cost of the repair, reinstatement or replacement is more than 50% of the current Republic of Ireland list price of the car when new.

[13] Partial loss: Covered ↩

Aviva may repair or replace the car or any part of it using a repair service of its choice, or pay a cash amount not exceeding the cost its repair service states it would cost to repair the car, subject to the same peril coverage as own damage (Comprehensive vs Third Party, Fire and Theft).

We may at our sole discretion: • repair or replace the car or any part of it using a repair service of our choice; or • pay a cash amount for the loss or damage to the car, not exceeding the amount our repair service states it would cost to repair or replace your car.

[14] Theft & robbery: Covered ↩

Loss of or damage to the car caused directly by theft or attempted theft is covered under both Comprehensive and Third Party, Fire and Theft cover, capped at current market value; no payment is made where there are no signs of forced entry for related personal belongings claims.

Fire, theft or attempted theft – loss of or damage to the insured car caused by these events or self-ignition, lightning or explosion;

[15] Glass damage: Unlimited ↩

Endorsement PC71 extends cover to loss of or damage to windscreen or other car window glass (excluding sunroof/panoramic roof) and related bodywork scratching. There is no limit if Aviva's aligned windscreen repairers are used; a limit of €225 per event applies if any other repairer is used. Included as standard under Comprehensive; available only as an optional extra (extra premium payable) under Third Party, Fire and Theft.

If you use our aligned windscreen repairers (phone: 1800 147 147 for our current list of aligned repairers) for the replacement or repair, there is no limit. If you use any other windscreen repairer, there is a limit of €225 for any single event.

[16] Natural perils: Covered ↩

Fire, self-ignition, lightning and explosion are named perils covered under both tiers as part of Section 1. Other natural events (e.g. storm/flood damage) fall under the broader 'accidental means' wording, which is only covered under Comprehensive cover; there is no separate named natural-perils limit.

third party, fire and theft - 1 (applies only for loss or damage to your car caused directly by fire, self-ignition, lightning, explosion, theft or attempted theft).

[17] Vandalism: Covered ↩

Malicious damage to the car is not separately named under Section 1 but falls within the broad 'accidental means' cover under Comprehensive policies; it is also explicitly listed as a covered breakdown trigger under Section 6 (Breakdown Rescue). Not covered as own-damage under Third Party, Fire and Theft cover.

Mechanical breakdown, fire, theft or attempted theft, malicious damage, punctures that need help to fix or to replace a wheel, lost keys, stolen keys and keys broken in the lock or locked in the car.

[18] Roadside assistance: Covered ↩

Included as standard (per IPID 'What is insured' and marketing materials). Covers mechanical breakdown, fire, theft or attempted theft, malicious damage, punctures needing help, and lost/stolen/broken keys, with up to one hour's free roadside labour, towing to the nearest garage or the policyholder's own garage, 'finishing the journey' benefits, and electric vehicle out-of-charge recovery. Cover applies in the 32 counties of Ireland and in England, Scotland and Wales, but does not apply when the car is used abroad.

We will send a competent repairer to help you at the scene. If your vehicle can be repaired immediately, we will provide up to one hour's free labour.

[19] Replacement vehicle: Conditional ↩

A free courtesy car is provided for up to 7 days while the car is being repaired following a claim (up to 10 days if the car is a write-off), but only if an Aviva Motor Services approved repairer is used; no courtesy car is provided otherwise. Separate replacement-car benefits of up to 48 hours also apply under Breakdown Rescue 'finishing the journey' and up to 5 days if the car is stolen and not recovered within 24 hours.

In the event of loss of or damage to your car, which results in a claim under your policy, we do not provide a courtesy car unless you use Aviva Motor Services;

[20] Driver accident: €26,000 ↩

Optional personal accident cover (extra premium payable, and must be shown in the policy schedule to apply) paying €26,000 for death, total and permanent loss of sight in one or both eyes, or loss of one or more limbs, plus €130 per complete day as a hospital inpatient up to 20 days (max €2,600). Applies while in/getting into/out of a private car, as a fare-paying passenger in public transport, or as a pedestrian involved with a road vehicle, train or aircraft.

For each complete day you or they spend as an inpatient in hospital for up to 20 days €130

[21] Own damage: Covered ↩

Under Comprehensive cover, AXA pays for accidental or malicious loss of or damage to the car and its accessories, up to the car's market value (cost of replacing the car with one of the same make, model, age and similar mileage); it does not pay more than the market value.

[22] Total loss: Covered ↩

If the car is written off, stolen and not recovered within 28 days, or damaged so repairs would cost more than 60% of the manufacturer's retail list price, AXA settles the claim by replacing the car or paying its market value (or purchase price if lower); the car then becomes AXA's property. A new-for-old replacement applies only if the car is under one year old and owned/hired from new.

[23] Partial loss: Covered ↩

AXA will repair the car at an AXA approved repairer or a repairer of the policyholder's choice, or replace lost/damaged items if cheaper than repair; recycled or non-manufacturer parts of similar standard may be used, and a €200 limit applies to towage/storage fees if notified within 48 hours.

[24] Theft & robbery: Covered ↩

The Fire and Theft Cover subsection pays for loss of or damage to the car (not exceeding market value) caused by theft or attempted theft; this subsection is available under both Third Party Fire & Theft and Comprehensive cover levels.

[25] Glass damage: Unlimited ↩

Section 2 covers repair or replacement of damaged/broken windscreen, window or sunroof glass and resulting bodywork scratches. Cover is unlimited if an AXA-approved repairer is used; if the policyholder's own repairer is used, cover is limited to €400 for a replacement or €50 for a repair. No excess applies if the glass is repaired rather than replaced.

[26] Natural perils: Covered ↩

There is no dedicated natural-perils section; storm, flood, fire and lightning damage are generally covered as accidental damage under the Comprehensive Accidental Damage subsection (or under Fire cover for fire specifically), up to market value. Earthquake is expressly excluded under General Exception 7, regardless of cover level.

[27] Vandalism: Covered ↩

The Accidental Damage subsection explicitly covers accidental or malicious loss of or damage to the car, up to its market value, for Comprehensive policyholders.

[28] Roadside assistance: Optional ↩

Section 12 Car and Key Rescue is an optional cover; the policy schedule shows whether it has been purchased. It provides 24-hour roadside/driveway assistance, towing, message-passing, completing-the-journey benefits and Lost Key Insurance up to €1,500, administered by AXA Assistance (Ireland) Limited.

[29] Replacement vehicle: Optional ↩

Section 10 Replacement Car is shown on the schedule only if purchased. It applies to claims under Section 1 for Comprehensive, or Third Party Fire & Theft where damage is by fire/theft. A Courtesy Car (economy class ~1.2 litre) is provided while the car is repaired by an AXA approved repairer; if the car is written off, a Hire Car is provided for up to 14 days (extendable if the policyholder is not at fault).

[30] Driver accident: €75,000 ↩

Section 13 Injury to Driver is an optional cover shown on the schedule if purchased. Benefits include: total/permanent loss of sight or limb €25,000; temporary total disability €250/month (max 36 months); hospital benefit €500/week (max 20 weeks); death benefit €75,000; permanent total disablement €25,000.

[31] Own damage: Covered ↩

Comprehensive cover pays for accidental loss of or damage to the insured car. FBD may repair, reinstate or replace the car (or any part, accessory or spare part) or pay a cash amount. Settlement is based on the market value of the car as determined by a motor assessor appointed at FBD's expense, taking into account make, model, specification, age and mileage; modifications not part of the standard specification are excluded unless factory-fitted or otherwise agreed.

[32] Total loss: Covered ↩

Where the insured car is a total loss (damaged beyond repair or deemed uneconomical to repair) or is stolen and not recovered, the maximum FBD will pay is the market value of the car immediately prior to the loss or damage, less any residual salvage value. FBD is entitled to take possession of and dispose of the car during the claim.

[33] Partial loss: Covered ↩

For repairable accidental damage, FBD will arrange repair through its network of recommended repairers. If the policyholder prefers not to use a recommended repairer, FBD pays only up to the equivalent cost of using its recommended repairer, as determined by its motor assessor. A reduced excess applies on private car policies if the approved repairer network is used.

[34] Theft & robbery: Covered ↩

Comprehensive cover includes loss of or damage to the insured car from theft or attempted theft (also included, at a lower level, under Third Party, Fire and Theft cover). Theft and attempted theft claims carry no excess and do not reduce the no-claim discount. Settlement follows the total loss/market value basis if the car is not recovered.

[35] Glass damage: €223 ↩

Included as standard with Comprehensive cover (or purchasable as an optional extra on Third Party, Fire and Theft policies). Covers accidental breakage, cracking or chipping of windscreen or window glass with no policy excess and no impact on the no-claim discount, provided FBD's approved supplier is used. If the approved supplier is not used, cover is capped at €223 per claim for replacement, or €30 in total for repair of chips/cracks regardless of number.

[36] Natural perils: Covered ↩

Fire, self-ignition, lightning and explosion are covered perils under Section 2 (both Comprehensive and Third Party, Fire and Theft cover). However, General exclusion 3 excludes any claim, loss or damage caused by earthquake, riot or civil commotion.

[37] Vandalism: Covered ↩

Malicious damage to the insured car is treated as a covered event under Comprehensive accidental damage cover; the policyholder must report any malicious or deliberate damage to An Garda Síochána within 24 hours, in the same way as theft or attempted theft.

[38] Roadside assistance: Covered ↩

Included as standard with Comprehensive cover, provided separately by MAWDY (formerly branded MAPFRE ASSISTANCE Agency Ireland in earlier policy editions). Gives 24-hour emergency assistance for breakdown, accident, fire, theft, attempted theft, malicious damage, punctures, or lost/stolen/locked-in keys. Includes one hour's free labour at the roadside/home/workplace, towing to the nearest capable garage, and if the journey cannot be completed, onward public transport, a replacement car for up to 48 hours, or one night's overnight accommodation (up to €35 per person / €175 total). If the car is stolen and not recovered within 24 hours, an emergency replacement car is provided for up to 5 days or until recovery. Cover applies in Ireland, Northern Ireland, Great Britain, the Isle of Man and the Channel Islands; for journeys in England, Scotland or Wales the replacement car cost is capped at £100 sterling and towing to the departure port at £250 sterling.

[39] Replacement vehicle: €300 ↩

Included only with Comprehensive cover. FBD pays the reasonable cost of hiring a car following a valid claim for loss or damage, up to €40 per day and no more than €300 for any one claim. On private car policies, cover extends up to 25 days per claim if the approved repairer network is chosen. Separately, under the Car breakdown assistance benefit, MAWDY may provide a replacement car for up to 48 hours after a breakdown, or up to 5 days (or until recovery) if the car is stolen and not recovered within 24 hours.

[40] Driver accident: €5,000 – €20,000 ↩

Section 3 – Personal accident is included as standard with Comprehensive cover: death €5,000; total/permanent loss of sight in one or both eyes €2,500; loss of one or more limbs €2,500; combined sight and limb loss €2,500 — capped overall at €5,000 in any one period of insurance. Endorsement 84 'Driver accident cover' can be added as an optional benefit (recorded in the schedule) providing higher benefits: death €20,000; sight/limb loss €10,000; hospital expenses up to €350 per week; medical and physiotherapy expenses up to €1,000.

[41] Own damage: Covered ↩

Comprehensive cover pays for accidental damage to your own vehicle, even if you are at fault.

Accidental Damage To your own vehicle.

[42] Total loss: Covered ↩

Comprehensive policies provide for replacement of the vehicle if it is damaged beyond economical repair.

Customers may benefit from features like a no claims discount, no claims discount protection , replacement of your vehicle if it is damaged beyond economical repair, malicious damage, vandalism, theft or attempted theft.

[43] Partial loss: Covered ↩

Accidental damage cover under the comprehensive policy extends to repairable (partial) damage to the insured vehicle; no distinct limit stated separately from overall accidental damage cover.

Accidental Damage To your own vehicle.

[44] Theft & robbery: Covered ↩

Comprehensive cover includes theft and attempted theft of the car or its parts; separately, if car keys are stolen, replacement locks are covered up to a maximum of €500. No overall theft sum insured limit is stated.

Theft and Attempted Theft Of your car or parts.

[45] Glass damage: Optional ↩

Repair or replacement of the windscreen without affecting the no-claims discount.

Add optional windscreen cover to repair or replace your windscreen without affecting your no claims discount.

[46] Natural perils: See details ↩

Storm, flood and other natural perils are not separately described; general accidental damage cover may apply.

[47] Vandalism: Covered ↩

Comprehensive cover includes fire damage and vandalism (malicious damage).

Fire Damage and Vandalism

[48] Roadside assistance: Optional ↩

Available as an optional extra (Premier Plus / Telematics Plus), managed by MIS Group, providing 24/7/365 roadside repairs, towing to a nearby garage, key/fuel emergencies (with refund of up to 5 litres of fuel on receipt), across the Republic of Ireland, Northern Ireland and Great Britain.

its4women Premier Plus and Telematics Plus car insurance policies give you breakdown cover anywhere in the Republic of Ireland, Northern Ireland and Great Britain. Breakdown cover services include suitable roadside repairs, towing to a nearby garage, and assistance if you run out of fuel or lose your keys.

[49] Replacement vehicle: Conditional ↩

A courtesy car may be provided if the insured vehicle is being repaired by an its4women-approved repairer following an accident, subject to policy terms; no fixed duration or value stated.

Do I get a courtesy car after an accident?

[50] Driver accident: €7,500 – €10,000 ↩

Premier policyholders receive a lump sum of €10,000 per person following any one accident (reduced to €7,500 if the policyholder or spouse hold other motor insurance with its4women); Telematics policyholders receive €7,500 per person (reduced to €5,000 under the same condition). Cover applies to the policyholder and spouse, 24 hours a day, in the Republic of Ireland, Northern Ireland and Great Britain.

If you have a premier policy, we will pay a lump sum of €10,000 for each person following any one accident. If you or your spouse have any other motor insurance with us, the maximum payment we will make is limited to €7,500.

[51] Own damage: Covered ↩

Covers accidental damage to or loss of the insured car up to its Market Value, including acts of Malicious Damage. An additional amount of up to 5% of the car's Market Value is paid for damage to declared Modifications/Accessories.

We will cover Accidental Damage to or Loss of Your Car, up to its Market Value. This includes acts of Malicious Damage.

[52] Total loss: Covered ↩

If the car is stolen and not recovered, or is damaged beyond economical repair, OUTsurance pays the Market Value including declared Modifications/Accessories and spare parts. A 'New for Old' benefit replaces the car with a new equivalent if it was purchased new/as a demonstrator, the incident occurs within 12 months of first registration, and it has travelled fewer than 25,000 km.

If Your Car is stolen and is not found or, after it is found, is uneconomical to repair, We will pay the Market Value of Your Car, including Modifications /Accessories and spare parts.

[53] Partial loss: Covered ↩

Repair or replacement costs for accidental damage that does not result in a total loss are covered up to the car's Market Value, at OUTsurance's discretion using new, OEM-equivalent or green (recycled) parts.

repair the insured Car at the repairer of Our choice; replace what has been Lost or damaged; pay a cash amount not exceeding the amount stated by Our repairer of choice.

[54] Theft & robbery: Covered ↩

Covers loss of or damage to the car due to theft or attempted theft up to its Market Value, plus up to 5% of Market Value for declared Modifications/Accessories. Cover excludes accidental damage where keys/keyless entry were left unsecured or accessible in/near an unattended car.

We will cover the Damage to or Loss of Your Car due to fire, theft or attempted theft up to its Market Value.

[55] Glass damage: Covered ↩

Covers repair or replacement of the windscreen/windows and related bodywork scratches. Full cost is covered if an Approved Repairer is used; if a non-approved repairer is used, cover is capped at €150 for replacement and €50 for repair.

If You use one of Our Approved Repairer(s), We will cover the full cost of repairs or replacement. If You opt for a repairer who is not on Our approved list, the coverage is capped at €150 for replacement and €50 for repairs.

[56] Natural perils: Covered ↩

OUTsurance's Comprehensive Car Insurance covers damage due to accident, fire, acts of nature, vandalism, or theft/attempted theft, up to the car's Market Value.

Damage due to an accident, fire, acts of nature, vandalism, theft or attempted theft.

[57] Vandalism: Covered ↩

Accidental Damage cover explicitly includes acts of Malicious Damage (intentional damage inflicted by third parties who are not household members) up to the car's Market Value; the official product page also lists vandalism among the covered perils.

We will cover Accidental Damage to or Loss of Your Car, up to its Market Value. This includes acts of Malicious Damage.

[58] Roadside assistance: Optional ↩

Optional add-on for Comprehensive policies providing up to one hour's free roadside/doorstep labour, towing to the nearest garage, and if repairs cannot be done roadside and the customer is over 30km from home: onward public transport, a replacement vehicle for up to 48 hours, or overnight accommodation (max €35/person, €175 total). In England, Scotland and Wales, a replacement vehicle (max £100) or towing to a port (max £250) applies. Available only within Ireland, Northern Ireland, Great Britain, the Isle of Man and the Channel Islands.

If repairs cannot be carried out at the roadside, We will provide a replacement Vehicle for up to 48 hours. The most We will pay for this is £100 (sterling).

[59] Replacement vehicle: Optional ↩

Optional add-on providing a courtesy car (typically an economy class 1.2 litre vehicle) via a nominated hire company for up to 14 days while the car is being repaired, or up to 21 days while a Total Loss claim is settled; not available if the only repair needed is glass damage.

The courtesy Car will be provided for a maximum of: the duration of the repairs if Your Car is repairable, up to a maximum of 14 days; the time for Us to settle Your Total Loss claim, up to a maximum of 21 days if Your Car is written off.

[60] Own damage: Covered ↩

Comprehensive cover pays for accidental damage to the insured vehicle up to its market value immediately before the loss, as declared in the schedule. RedClick chooses whether to repair, replace, or pay the cash equivalent; the excess shown in the schedule applies to every claim.

Accidental damage (up to the market value of your vehicle)

[61] Total loss: Covered ↩

If the vehicle is uneconomical to repair, cannot be repaired, or has been stolen and not recovered, RedClick pays the lower of the value declared by the policyholder or the market value of the vehicle immediately before the loss, based on an engineer's assessment referencing industry guides. Payment is capped at the market value, not a fixed sum.

If the vehicle is a total loss we will pay either the value declared by you or the market value of the vehicle immediately before the loss or damage happened, whichever is the lower.

[62] Partial loss: Covered ↩

Repairable damage to the vehicle, its accessories and spare parts (on, in, or in a private garage) is covered under the Own Damage section of Comprehensive cover; RedClick chooses whether to repair or replace damaged parts, subject to the schedule excess.

This section covers loss of or damage to the vehicle or its accessories and spare parts (whether on or in it, or in your private garage). We will choose whether to repair or replace the vehicle or any part of it or its accessories or spare parts, or pay to cover the amount of the loss or damage.

[63] Theft & robbery: Covered ↩

Fire, theft and attempted theft damage to the vehicle is covered up to its market value. Cover is void for theft or attempted theft if the vehicle was left unattended and unlocked, or if the ignition keys/keyless-entry device were left in or near the vehicle.

Fire, theft and attempted theft damage (up to the market value of your vehicle)

[64] Glass damage: €150 ↩

Standard on Comprehensive cover (optional add-on on Third Party Only/Third Party Fire & Theft). Covers repair or replacement of damaged/broken glass in the windscreen or windows (sunroofs, glass roofs and panoramic sunroofs excluded); a maximum of two claims per period of insurance is allowed and claims do not affect the No Claims Bonus. If work is not carried out by RedClick's approved windscreen specialists, payment is capped at €150 for replacement or €50 for repair; the schedule excess applies to replacement but not to repair.

If windscreen cover applies we will not pay for any amount over €150 for replacement or €50 for repair if the work is not carried out by our approved windscreen specialists

[65] Natural perils: Covered ↩

Storm, flood and other weather-related damage fall under the general accidental damage cover of Comprehensive; the policy's general exceptions only specifically exclude loss or damage caused by earthquake or underground fire, and loss/damage caused by pressure waves from aircraft travelling at or above the speed of sound.

caused by an earthquake or underground fire

[66] Vandalism: Covered ↩

Comprehensive cover is described as Third Party, Fire & Theft plus cover against loss or damage (accidental or malicious) to the insured vehicle, i.e. malicious damage/vandalism is covered subject to the schedule excess.

Comprehensive cover is Third Party, Fire & Theft plus cover against the loss or damage (accidental or malicious) to the insured vehicle.

[67] Roadside assistance: Optional ↩

The regulated IPID lists Breakdown Assistance and Home Start under 'Optional extras', and the policy booklet states this section only applies if shown in the schedule of insurance. Marketing pages on redclick.ie state that breakdown assistance is included as standard on fully Comprehensive policies and optional only on Third Party Only/Third Party Fire & Theft, which conflicts with the IPID's optional classification; see conflicts.

Breakdown Assistance and Home Start

[68] Replacement vehicle: 10 days ↩

Per the current (July 2025) IPID, Comprehensive cover includes a replacement car for up to 10 days after theft (if not recovered within 24 hours) and a courtesy car for up to a maximum of 10 days while the vehicle is repaired by a recommended repairer (7 days if the vehicle is declared a total loss). An earlier policy booklet version stated 5 days for the hire car after theft and no fixed day-cap for the courtesy car (subject to a €320 cost cap if repairs are delayed awaiting overseas parts); the newer IPID figures are used here as the current terms.

Courtesy car cover for duration of repairs with an approved repairer up to max of 10 days

[69] Driver accident: €6,500 ↩

Optional extra paying the policyholder or their legal representative up to €6,500 if accidentally injured while travelling in, or getting into or out of, the vehicle and the injury alone results within three months in death, permanent loss of sight in one or both eyes, or loss of one or more limbs. Excludes suicide/attempted suicide and injuries to anyone driving while unfit due to alcohol or drugs.

Personal Accident (up to €6,500)