Pending review

its4women.ie Casco (own-damage car insurance) (Comprehensive Car Insurance)

Underwritten by MCL Insurance Services (Ireland) Limited · Ireland

casco (own-damage car insurance) from its4women.ie for the Ireland market, with online purchase.

Last verified Aug 31, 2026Sources

Online purchase

Get a quote from its4women.ie Compare Casco (own-damage car insurance) insurers in Ireland

Key facts

its4women.ie

Unique selling points

10% online discount on comprehensive car insurance, capped at a maximum of €100, for new customers in the Republic of Ireland.

Up to 65% no-claims discount available, combined with the online purchase discount.

100% Irish-owned online insurer with a dedicated Ireland-based customer service team and over 130,000 customers across Ireland.

Fully digital process letting customers get a quote, buy a policy, and be covered the same day entirely online.

its4women Rewards loyalty programme lets customers earn Reward Credits on new car and home insurance policies.

Coverage limits

Covered

Accidental Damage to Own Vehicle

Covered

No limit stated

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

Section: What Comprehensive Car Insurance Covers

Accidental Damage To your own vehicle.

Covered

Total Loss / Write-Off Replacement

Covered

No limit stated

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

Section: What does its4women comprehensive car insurance cover?

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.

Covered

Partial Damage / Repair Cover

Covered

No limit stated

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.

Section: What Comprehensive Car Insurance Covers

Accidental Damage To your own vehicle.

Covered

Theft and Attempted Theft

Covered

No limit stated

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.

Section: What Comprehensive Car Insurance Covers

Theft and Attempted Theft Of your car or parts.

Optional

Windscreen Cover

Optional

No limit stated

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

Section: Women’s Car Insurance With Super Benefits

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

Natural Perils

No limit stated

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

Covered

Fire and Vandalism

Covered

No limit stated

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

Section: What Comprehensive Car Insurance Covers

Fire Damage and Vandalism

Optional

Breakdown Assistance

Optional

No limit stated

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.

Section: What is Breakdown Assistance and Roadside Assistance?

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.

Conditional

Courtesy / Replacement Vehicle

Conditional

No limit stated

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.

Section: Claims

Do I get a courtesy car after an accident?

Covered

Personal Accident Cover

€7.5K – €10K

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.

Section: How much does personal accident cover pay out?

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.

Key conditions

Driver age and experience limit

Comprehensive cover is subject to acceptance criteria and restrictions and may vary depending on the age of the policyholder; the optional Open Driving benefit is generally available to additional drivers aged 25 to 70 with a full, valid licence and no recent claims or convictions.

Repair network requirements

A courtesy car is provided only where the vehicle is repaired by an its4women-approved repairer following an accident; use of an approved repairer is also required for windscreen repair/replacement to be covered without impacting the no-claims discount.

Anti-theft requirements

There is no mandatory anti-theft device requirement; installing an insurer-approved tracker, immobiliser or alarm may help reduce the premium and risk of theft, but this is not described as a condition of cover.

Claim notification deadline

No specific claim notification deadline is stated; claims and documentation are handled through the online customer portal, live chat, or by post to the policy administrator.

Deductible rules

Policyholders can agree to a higher voluntary excess to lower their premium; no standard or minimum excess amounts are specified.

Territorial scope

Cover applies in the Republic of Ireland, Great Britain, Northern Ireland, the Isle of Man and the Channel Islands including sea travel between these ports; cover is automatically extended for up to 60 days in any EU/EEA member state plus Switzerland.

Documents

its4women Document Hub (policy documents, T&Cs and general insurance intermediary documents) (opens in a new tab)

Policy specifics

Personal Accident Cover

Lump sum payment for bodily injury to policyholder and spouse following accident

Source

Section: What is Car Insurance Personal Accident Cover?

Car insurance personal accident cover - also known as personal accident insurance - is designed to protect you and your spouse financially should either of you sustain a serious injury or die as the result of a road traffic collision.

Breakdown Assistance

24/7 roadside assistance including repairs, towing, and emergency services

Source

Section: What is Breakdown Assistance and Roadside Assistance?

Managed by MIS Group our breakdown cover provides ‘peace of mind’ motoring, 24 hours a day, 365 days a year.

Accidental Damage Cover

Coverage for accidental damage to own vehicle

Source

Section: What Comprehensive Car Insurance Covers

Accidental Damage To your own vehicle.

Windscreen Cover

Repair or replacement of windscreen without affecting no claims discount

Source

Section: Women’s Car Insurance With Super Benefits

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

Legal Costs and Expenses

Coverage of legal costs and expenses if involved in an accident

Source

Section: What Comprehensive Car Insurance Covers

Legal Costs and Expenses

Medical Expenses

Coverage of medical expenses following accident

Source

Section: What Comprehensive Car Insurance Covers

Medical Expenses

Personal Belongings Cover

Coverage for personal belongings in the vehicle

Source

Section: What Comprehensive Car Insurance Covers

Personal Belongings Cover

Driving Other Cars Extension

Optional extension allowing third party only coverage to drive someone else's car

Source

Section: Driving Other Cars

Can I drive another car under my insurance?

No Claims Discount Protection (Step-Back Protection)

Protects part of no claims discount even if a claim is made

Source

Section: Women’s Car Insurance With Super Benefits

Protect part of your no claims discount — even if you have to make a claim. With step-back protection, you won’t lose your full bonus after one incident.

Roadworthy Condition Requirement

Vehicle must be maintained in roadworthy state to remain insured

Source

Section: General & Optional Extras