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Feature / category	Allianz May 19, 2026 Open details	Aviva May 19, 2026 Open details	AXA May 19, 2026 Open details	FBD May 19, 2026 Open details
Overview
Insurer	Allianz p.l.c.	Aviva Insurance Ireland Designated Activity Company	AXA Insurance DAC (Designated Activity Company)	FBD Insurance plc (F.B.D. Insurance Public Limited Company)
Online purchase	Yes	Yes	Yes	Yes
24/7 helpline	Yes	Yes	Yes	Yes
Starting price	€281	€310	—	—
Billing basis	annual	annual	annual	annual
Unique selling points	Emergency service available 24/7 for all policyholders covering accident, fire, theft and attempted theft, including free replacement car for up to 14 days if the car is stolen. No Claims Bonus is not affected by claims for fire, theft, vandalism or windscreen damage, protecting the policyholder's discount in common claim scenarios. 15% discount available when buying a new car insurance policy online, with additional multi-policy discounts for existing customers at the same Eircode. Aligned Repairer network provides direct billing, a 3-year warranty on all repair work, and a courtesy car at no extra cost when repairs are carried out by an approved garage. New car replacement benefit applies if the car is damaged to more than 60% of its value within 12 months of purchase as new and has not travelled more than 24,000 kilometres.	Breakdown rescue is included as standard with every policy, providing 24/7 roadside assistance across all 32 counties of Ireland and in Great Britain. Windscreen repair and replacement through Aviva's aligned repairer network is unlimited with no excess and no impact on the no-claims discount. In 2025, Aviva paid 43,187 motor damage claims, with a nationwide Aviva Motor Services panel offering guaranteed repairs, cleaned-car return, and a free courtesy car for the duration of repairs. A 15% discount is available when buying online, and up to 50% no-claims discount is awarded after five consecutive claims-free years. Electric vehicle owners benefit from dedicated EV perks including out-of-charge roadside recovery, cover for charging cables and adapters, up to €600 for home charging point accidental damage, and Tesla-approved repairer access.	Replacement car provided as standard while your vehicle is repaired at an AXA Approved Repairer, with a minimum three-year workmanship guarantee on all repairs. Unlimited windscreen and glass repair cover at no excess when using the AXA Approved Repairer network, with no impact on no-claims discount. 24-hour Motor Rescue included as standard, covering breakdown, lost keys, flat battery, and EV energy failure due to insufficient battery charge, anywhere in Ireland and the UK. Uninsured Driver Promise protects your no-claims discount if an identified uninsured driver causes an accident, exclusive to comprehensive policyholders. Up to €650 cover for accidental damage to your EV or PHEV wall charger at home, included without needing a separate home insurance claim.	New car replacement is provided free of charge where the insured car, within 12 months of registration and under 50,000 km, sustains damage exceeding 60% of manufacturer's list price or is stolen and not recovered within four weeks. Damage caused by an uninsured vehicle is covered and the no claims discount is fully protected, without requiring the policyholder to pay any excess beyond the standard schedule amount, provided the incident is reported to An Garda Síochána. A reduced policy excess applies on private car policies whenever the FBD approved repairer network is chosen for repairs, and car hire cover on private car policies extends to up to 25 days per claim when using the approved repairer. FBD is Ireland's largest Irish-owned insurer with over 50 years' experience and a nationwide network of 34 local sales offices, providing in-person, phone and online support backed by a 24/7 dedicated claims service on 0818 18 18 18. A '3 for 2' optional extras offer allows CarProtect policyholders to add three optional covers and receive the cheapest one free in their first year of insurance.
IPID	IPID	IPID	IPID	Not available
Terms & conditions	Terms & conditions 1 Terms & conditions 2	Terms & conditions	Terms & conditions 1 Terms & conditions 2	Terms & conditions
Coverage
Own damage	Covered	unlimited	Covered	unlimited
Total loss	Covered	Covered	Covered	Covered
Partial loss	Covered	unlimited	Covered	unlimited
Theft & robbery	Covered	unlimited	Covered	unlimited
Glass damage	€425	Covered	Covered	Covered
Natural perils	Covered	The policy does not explicitly list storm, flood, or hail as separately named insured perils under Section 1. Section 1 covers loss or damage caused by accidental, sudden or unforeseen causes under Comprehensive cover, which could encompass some natural perils by virtue of the accidental damage insuring clause, but there is no dedicated natural perils cover listed as a named peril. Earthquake and sonic boom damage are expressly excluded under General Exceptions.	Covered	unlimited
Vandalism	Covered	unlimited	Covered	unlimited
Roadside assistance	Optional	unlimited	Covered	Optional
Replacement vehicle	€14	A courtesy car is provided for up to 7 days during repairs when using Aviva Motor Services (approved repairer network), or up to 10 days if the car is a write-off. No courtesy car is provided if repairs are carried out by a non-Aviva Motor Services repairer. Under Breakdown Rescue (Section 6), a replacement car is also available for up to 48 hours if the car cannot be repaired at the scene (in Ireland or in GB). Replacement vehicle for theft (Breakdown Rescue) is available for up to 5 days in 32 counties of Ireland.	Covered	Covered
Driver accident	Optional	Optional	Optional	Covered
Key conditions
Driver age experience limit	Open driving covers any driver aged 30 to 70 with a full clean driving licence (up to 6 penalty points with no more than 2 offences). Driving other cars extension is available on request for policyholders over 25 years of age only, providing third party cover when driving another private car. Temporary additional drivers may be added free of charge for up to 30 days provided the person is over 25 years of age, holds a full driving licence and is claim/convictions free.	All drivers must hold a valid licence to drive the vehicle (general condition 1d). Open driving endorsements (PC3/PC4) restrict cover to drivers aged 25–70 who hold a full EU or full UK licence. Learner permit holders must at all times be accompanied by a full driving licence holder. Named drivers outside the age band 25–70 must be specifically named in the schedule.	An additional excess of €100 applies for all named drivers under 25 years of age (March 2023 wording). The January 2025 wording states the excess is as shown on the schedule without a fixed additional amount stated in the main text; drivers must hold the appropriate full driving licence. Open Driving (optional) covers drivers aged 25 to 70 holding a full EU/EEA or recognised licence exchange state driving licence. Third party cover while driving other cars requires the driver to be aged 25 or over.	Standard open driving (Endorsement 19) covers full licence holders between ages 25 and 71 with the insured's permission. Higher excess applies for accidental damage claims when the insured car is driven by any learner permit or provisional licence holder or driver under 25. Drivers outside 25–71 range can be specifically included by endorsement (Endorsement 10). Third party driving of other cars and comprehensive cover for a temporarily borrowed car also require the driver to be aged 25–71 with a full licence.
Repair network requirements	Allianz operates an Aligned Repairer network for claim settlements. Using an Aligned Repairer provides direct billing, a Class B courtesy car for up to 7 days, and a 3-year warranty on all repair work. For windscreen claims, use of an aligned repairer means no excess and no impact on No Claims Bonus; a non-aligned repairer results in a payment limit of €425. For general repairs, a non-aligned repairer requires an estimate to be submitted to Allianz. No obligation to use aligned repairers, but benefits are reduced for non-aligned repairers.	Repair or replacement of the car is carried out using a motor garage and/or repair service of Aviva's choice (Aviva Motor Services). If Aviva elects to pay a cash settlement, the amount will not exceed the cost stated by Aviva's repair service to repair or replace the car. If the policyholder chooses not to use an aligned repairer, an additional excess of €1,000 applies per event (endorsement PC76). Courtesy car is only provided when using Aviva Motor Services.	When using an AXA Approved Repairer, windscreen/glass cover is unlimited, a replacement car is provided, repairs carry a minimum three-year workmanship guarantee, and the policyholder can reduce their excess by €100. If the policyholder chooses their own repairer, glass cover is limited to €400 (€50 for repair only), and AXA will only pay what the AXA engineer estimates the repair would have cost at an approved repairer.	FBD operates a nationwide network of recommended repairers. Use of the approved repairer network attracts a reduced policy excess (amount recorded in schedule) and on private car policies extends car hire cover to up to 25 days per claim. If the policyholder chooses not to use the recommended repairer, the maximum payable is the equivalent cost of using FBD's recommended repairers as determined by the motor assessor. For windscreen claims not using the approved supplier, replacement is capped at €223 and chip/crack repair at €30 total.
Territorial scope	Full policy cover applies in the Republic of Ireland, Northern Ireland, Great Britain, Isle of Man and the Channel Islands. Cover automatically extended for up to 60 consecutive days per policy year in any EU country and countries meeting EU minimum insurance requirements, including travel by air, rail or sea between these countries. After 60 days only the minimum legal level of cover required in those countries applies. Breakdown Assistance (if included) is restricted to the Republic of Ireland, Northern Ireland and Great Britain only.	Primary cover applies in the Republic of Ireland, Northern Ireland, Great Britain, the Isle of Man and the Channel Islands. Cover is automatically extended to the EU for up to 31 days per period of insurance under endorsement PC69. Breakdown Rescue cover does not apply outside Republic of Ireland, Northern Ireland and Great Britain. Driving other cars (Section 2D) does not apply when using the car abroad.	Standard cover applies in the Republic of Ireland, UK, Channel Islands and Isle of Man. Full comprehensive cover applies in Europe (EU member states, EEA states, and Switzerland as defined in January 2025 wording) for up to 31 consecutive days per period of insurance. If travel to Europe is more frequent or exceeds 31 consecutive days, the policyholder must contact their broker. Motor Rescue and driving other cars extensions do not apply outside Ireland and the UK.	Full policy cover applies in Ireland, Northern Ireland, Great Britain, Isle of Man and Channel Islands. Cover also extends to other EU member states and countries meeting EU minimum insurance directives for the use of motor vehicles. For events in non-specified countries, the minimum cover required by EU Directives applies. Sea transit between covered ports is included. Full policy cover in EU territories (outside Ireland/UK/CI/IOM) applies for up to 40 days; beyond that, prior agreement with FBD is required. Car breakdown assistance applies in Ireland, Northern Ireland, Great Britain, Isle of Man and Channel Islands only.
Anti theft requirements	Theft of vehicle and keys must be reported to An Garda Síochána. Stolen keys not reported to An Garda Síochána are excluded from lock and key replacement cover. Maximum payment for replacing or recoding locks, keys or similar devices is €1,525 if stolen during a break-in, assault or threat of violence.	While unattended, the car must not be left unlocked, the ignition keys must not be left in or with the car, and windows/sunroof must not be left open. Personal belongings must be placed in the locked boot, glove box or closed storage compartment when the car is unattended. Failure to comply with these conditions means no cover operates under the policy.	Cover is voided for theft or attempted theft if the keys (or keyless entry system) are left unsecured or left in or on an unattended car. The car must be locked and security devices activated when unattended. All windows and sunroofs must be fully closed when the car is unattended.	The insured car must never be left unattended or unlocked with keys still inside the car or any window or sunroof open (General Condition 2). Theft of keys from the insured's residence or hotel/guesthouse by forcible and violent entry may trigger replacement locks cover (up to €750). Key theft must be reported to An Garda Síochána within 24 hours and, in the case of a hotel, to the proprietors. Keys stolen by deception or fraud or by a family member normally living with the insured are excluded from replacement locks.
Claim notification deadline	Claims must be reported to Allianz as soon as possible. If any person is injured, the accident must be reported to An Garda Síochána whether they attend or not. The registration and insurance details of all parties must be obtained. Documents supporting proof of No Claims Bonus must be submitted within 30 days of policy activation. Any writ, summons or legal document must be sent to Allianz as soon as possible. Any impending prosecution, inquest or fatal inquiry must be notified immediately.	You must let Aviva know immediately about any event which may give rise to a claim under the policy, together with all the details required. You must also immediately notify Aviva of any prosecution or inquest in connection with an event. You must not admit, deny, negotiate or settle any claim without Aviva's prior written permission.	Claims must be notified to AXA as soon as possible by phoning the 24-hour claims helpline on 0818 7 365 24. If the car is stolen, the Gardaí must also be notified. For injury to driver claims, notification must be given within 28 days of death or injury. Any letters or documents received in connection with a claim must be sent to AXA immediately before replying.	The policyholder must notify FBD within 48 hours of becoming aware of any accident or event which may lead to a claim, whether or not a claim will be made (call 0818 18 18 18, available 24 hours). For theft, attempted theft, vandalism or other malicious acts, a report must be made to An Garda Síochána (or the relevant police authority) within 24 hours. No repairs may be commenced without FBD's prior approval. All correspondence related to a claim must be forwarded immediately without being answered.
Deductible rules	Standard motor excess is €250; the applicable excess may vary depending on the type of loss or policy. No excess applies for windscreen claims processed through an Aligned Repairer network. Voluntary and compulsory excess amounts are detailed on the individual policy schedule. Higher excess results in lower premium.	The standard accidental damage excess is €300 (endorsement PC14/PC76). This can be reduced to €125 for an additional premium or increased to €600 for a premium reduction. An additional policy excess of €2,500 applies (endorsement PC99) where any driver covered under the policy has received penalty points that have not been disclosed to Aviva. If a non-aligned repairer is used for claims under Section 1, an additional excess of €1,000 per event applies. No excess applies to windscreen claims under PC71, replacement lock cover, fire or theft claims, personal belongings or JourneyWise claims.	The excess is the amount of a claim not covered by insurance for which the policyholder is responsible, as shown on the policy schedule. No excess applies to fire, lightning, explosion, theft or attempted theft claims, or to windscreen repair (no excess for repair; excess applies for replacement under January 2025 wording). No excess applies to Section 9 Extra Benefits or Section 10 Motor Rescue claims. The excess is not recoverable by AXA on the policyholder's behalf from third parties. Reducing the excess by €100 is available when using an AXA Approved Repairer (not available to DriveFirst policyholders per March 2023 wording).	The excess is the part of a claim cost the policyholder must pay. Amounts vary by claim type and are recorded in the policy schedule. Standard excess applies primarily to accidental damage claims. Higher excess applies where the insured car is driven by a learner/provisional licence holder or driver under 25. On private car policies, a reduced excess applies where FBD's approved repairer network is used (amount in schedule). No excess applies for: fire, self-ignition, lightning, explosion, theft or attempted theft; or windscreen and window glass claims. A flexible excess option is available (increase for lower premium or decrease for higher premium). Any excess is deducted after all other policy terms, conditions and limitations are applied.
Proof and next steps
Direct payment policy	Allianz settles repair claims directly with Aligned Repairers when the policyholder uses an approved garage. Direct billing is provided and no upfront payment is required by the customer for repairs carried out through the Aligned Repairer network.	Aviva may at its sole discretion repair or replace the car using a repair service of its choice, or pay a cash amount not exceeding the amount its repair service states it would cost to repair or replace the car. Cash settlement will not exceed current market value even if the sum insured is higher. Where repairs are carried out by Aviva Motor Services, a courtesy car is provided; no courtesy car is provided if a non-approved repairer is used.	Claims are handled by AXA directly; AXA may take over and deal with the defence or settlement of any claim in the name of the insured driver. AXA may settle third-party claims without the policyholder's permission where required by law.	Claims are settled by repair, reinstatement or replacement of the insured car at FBD's option, or by cash payment. For total loss, the maximum paid is the market value of the insured car immediately prior to loss or damage, less any residual salvage value. Repairs are arranged through FBD's network of recommended repairers; if you prefer not to use them, the maximum paid is the equivalent cost of using FBD's recommended repairers as determined by the motor assessor. For hire purchase, lease or finance agreements, payment is made to the owner named in the agreement.
Last verified	May 19, 2026	May 19, 2026	May 19, 2026	May 19, 2026